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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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HSBC being Naughty, Tobes v HSBC 2


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It appears HSBC may be trying to fool me with fraud!!

 

In my second action against HSBC, I am requesting the removal of default and theoretical refund of charges amounting to about £125.00 - basically they allowed me to go over by about £5.00, rejected direct debits etc and compounded everything until my balance read -£125.00 :eek: then defaulted me...I've sent all the normal letters with a few extra barbs from me and they've ignored them completely, until I made a court claim...Then they sent their standard letter stating that they thinkthe charges fair, won't be refunding them, this is the final say on the matter...Well, since I'd already started legal action, it certainly isn't their final say whether they like it or not...

 

More later :D

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  • 1 month later...

good for you - please keep me updated am just starting my fight for my money back

3/10/06 Current Account Statements Received -

3/10/06 HSBC Unable to Located Information

regarding MASTERCARD

3/10/06 DATA Protection Request Sent

10/10/06 First Letter Sent Recorded - Still awaiting

Data Protection Request for seperate

account.

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If you haven't already done so, I suggest you open a parachute account as HSBC will close your account after you've made 2 claims.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 3 weeks later...

Wel done. I'm new to all this, I have just written my prelim letter, posting (recorded) tomorrow for a claim amounting to £3,211.59 If it goes to court it will be £3,471) to come on HSBC lets play !!

Am fully prepared to 'go all the way' am petrified I will be the 'test case' but at least I can then sell my 'story' to the News of the World etc, maybe even get my own slot on 'The Richard and Judy Show' LOL

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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I've just started my battle with HSBC - am communicating with them by email and have had three prompt responses so far - but no decision.

 

But so far email does seem to get them to respond more quickly.

 

Will let everyone know how I get on...

 

Helen

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  • 2 weeks later...
Good for you, I've just issued against HSBC as they've ignored me completely for the last month, we all know they will pay up in the end!!!
i sent a lba on 10/10/06 but hsbc are ignoring me a bit unsure about court procedure but will battle on
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  • 4 weeks later...

Hi there

 

This is my first posting but I was wondering if anyone had ever had any issues with HSBC and factoring 3rd party companies. HSBC were factoring a company which supplied my husband with goods (steel and building materials). Our company paid this supplier direct as we were not aware of the relationship with HSBC as the factoring agent. Even though we have proof that we have paid all amounts direct to the company, HSBC, through D G Solicitors are chasing us for the full amount again! even though it has been paid already.

 

Look forward to hearing any similiar stories as well as some helpful advice.

 

Best wishes

 

HolyWater

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Advice Please!

 

I have just had a letter back from HSBC saying that they will not refund any interest however they will refund £2000 as I have already had £200 refunded in the past when I have complained verbally about charges and as a good will they have given it me back. However my claim was for £3391. I am not sure if to go through with the whole court thing as have to find £120 before xmas and am really worried that if i do that I will end up with less than they have offered as they reckon that they would be able to defend it in court. What should I do? Any advice from people that have got their money back from HSBC would be greatly appreciated

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As hard as it is I say go for the lot! I will be and I will be in a very difficult situation when it comes to paying the AQ if it gets that far but I will find the money some how! I know its tempting but think what you could do with the extra £1400!!

 

As everyone has said to me (I hope they're right!) YOU WILL WIN! They cannot possibly go to court, imagine if they lost? It would be bank suicide! They just would risk it and the fact that they've offered you something means they know they are in the wrong!

 

Have you sent your LBA yet? If not id do this and state that they have 7 days to refund the whole lot or you will be taking it to court.

 

Hope this helps, good luck!

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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Hi,

To put the 'will they go to court question' into perspective

 

The banks in the UK reap around £3 BILLION a year out of charges etc, does ANYONE think 'they' would jepodise THAT little lot by risking going to court and maybe, just maybe they loose BIG TIME and the courts impose a change in banking law which prevents them doing this, WHY would ANY business risk £3billion when they can pay out a few 100 thousand (maybe) to shut up those who complain and want their money back.

 

I rest my case (cos it's getting heavy)

 

Steve.

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Thats so true... hard to believe I will ever get my money back though... and yes, Im extremely impatient!

 

:rolleyes:

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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I bet your no where near as impatient as I am ;)

 

I DON'T do waiting - especially when it comes to getting MY money back

 

Think I'll change my name to Mexico and then I can owe £ Millions and no one will even bother !!!

 

Lol

 

Steve x

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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LOL

 

I think being impatient is what got me in to this mess, when I want something I cant wait so I just buy it..... :o

 

Just noticed you live in Cheltenham, is that near Wiltshire? I recognise the name....

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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  • 1 month later...

I feel like the last person in the world to be entering the arena, but I won't let that stop me. How did you get on by corresponding by email, did it speed up the process for you?
I've just started my battle with HSBC - am communicating with them by email and have had three prompt responses so far - but no decision.

 

 

But so far email does seem to get them to respond more quickly.

 

 

Will let everyone know how I get on...

 

 

Helen

 

 

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  • 3 weeks later...

Hi, I'm Rockbunny and just starting out with all this! Gonna try to see what I can get back from HSBC! Will get the pack recommended and info from my mate who suggested getting in touch with the Consumer Advice Group in the first place then take it from there - My friend has got back about 2 Grand from her bank and I know she is chuffed to bits so am giving it ago myself.

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hi rockbunny

just take your time and read read read and read again as many threads and faq's as you can so you familiarise yourself with the process of claiming your money back. there's sound advice and big hugs here whenever you need them but remember it is all achieved by you at the end of the day. if you have any questions - ask away!

good luck with your claim

netty

If i've been helpful in any way....then tip my scales over there!

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