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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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Advice needed on my Credit cards please


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well today i got a strange reply from capital one about my SAR

http://img153.yfrog.com/img153/5021/capitalonereplytosar122.jpg

page 2 is just the price of calls if you phone them

 

now i just checked my SAR that was sent to them

and my account number is correct.

i even got my wife to check and if she says its right then its right lol

now to the part about not finding an account at my address pmsl thats a funny line.

 

so whats my next step do i resend the SAR or what.

 

thanks in advance

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Muppets!!

 

did you use a cc number as the account number?

 

Thank you for the letter dated xx/xx/xx regarding my subject access request .

 

You state that you cannot locate any account details for me with the details I provded.

 

I note that you have sent statements and correspondence containing sensitive private information to me at same address as that detailed in my SAR request. If you are concerned that you are corresponding with the incorrect person I wonder why you have not verified the information before.

 

Also please note the account number I supplied has been on all the above correspondance.

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998. The time to confirm my identity was before you sent your first threat letter.

 

My request for a SAR was received by yourselves on xx/xx/2009 and the 40 days for your compliance will expire on xx/xx/2009.

 

Please now comply with your legal obligation without further delay

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Hi Ida, once again thanks for the swift reply

 

yes i used that number on every letter i sent them in the past and all .

as you will notice on prevuios posts (scans edited i know)they have replied to me using that account/card number

 

i shall forward the reply onto them and see what the reply with lol

 

thanks again

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  • 3 weeks later...

well as of today i have still had nothing back from capital one

so im sure by now that there 40 days is well up in the air

or is it 40 working days = 8 weeks ???

mayber there stalling because i want my ppi back lol

 

 

some other news on the barlclys front though

i had a letter from calder financial today demanding payment :)

 

http://img51.imageshack.us/img51/7847/calderfinancialedited.jpg

 

any advice on which letter to send these muppets

 

once again thanks in advance Ricky

Edited by ricky_uk1
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re sar:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

 

template 3 but its up to you re court or you can make a complaint to the ICO.

 

re barclays - do you have another thread for this one? do you have the DN?

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re sar:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

 

template 3 but its up to you re court or you can make a complaint to the ICO.

 

re barclays - do you have another thread for this one? do you have the DN?

 

 

i kept all my cards in one thread so as to make it easier

all previous letters are posted on page 1 of the post

not that there has been many.post 1 post 23 and 28 of this thread is the last i got from them

and whats DN? sorry for my ignorace

Edited by ricky_uk1
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as for calder financial which is best letter to send those muppets if muppets is the right word.

bearing in mind that barcalys have sent me nothing but a copy of there T&Cs which they seem to think is what they are required to send me.

 

maybe its time to start the complaints to TS and the OFT about barclays since they obviously seem to have a problem with conforming to there legal requirements

 

once again all comments and help are most appreciated

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  • 2 weeks later...

A small update ojn the Cap One issue

i sent the the letter from template 3 as you said ida

but still no reply !!!

 

maybe they just dont want my money lol

i also wanted to check up on the ppi that i have been paying for the last 10 years to Cap One which im sure would clear my outstanding bill.

but if i cant get the information that i have requested and indeed PAID for then what chance have i got ..

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a new letter from another company that Barclays must use arrived today

nothing much differant from any other letter except this ones from a scottish company :confused:

 

 

here is the letter

http://img502.imageshack.us/img502/446/debtmanagersltd.jpg

 

any advice on which letter i should post off to these idiots

remembering that barclays have never ever produced a signed copy of my aggreement as layed out by the consumer credit act

 

thanks in advance

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Re: my SAR that was sent to Capital one one 25th January 2010

as you will be aware todays date is now 22nd march 2010 and i still have had nothing from Captial one except a letter saying they cant find anything with my name or address that has an account with them

 

so whats the next step

and if they say i dont have an account themn why is there a company contacting me every day from 8am in the morning about it

 

 

please please help

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hiya,

 

to be honest i have tried to go back in your thread to see what stage you were with barclays and gave up.

 

its too confusing can you keep this one for cap one and give a quick rundown on where you are now and start a new thread for barclays

 

ida x

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hiya,

 

to be honest i have tried to go back in your thread to see what stage you were with barclays and gave up.

 

its too confusing can you keep this one for cap one and give a quick rundown on where you are now and start a new thread for barclays

 

ida x

 

 

Hi Ida

sure i will create a new thread for barclays no problem

thanks

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