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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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Missold Ppi By Barclays And Halifax


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I want to initiate a claim for missold PPI against Halifax and Barclays for my wife can anyone guide me with the address to which the letter to be sent, I am sending a letter addressed to the insurance of the respective banks is that enough or any other copy to be sent to any other department.

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I want to initiate a claim for missold PPI against Halifax and Barclays for my wife can anyone guide me with the address to which the letter to be sent, I am sending a letter addressed to the insurance of the respective banks is that enough or any other copy to be sent to any other department

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Hello Vilka,

 

I want to initiate a claim for missold PPI against Halifax and Barclays for my wife can anyone guide me with the address to which the letter to be sent, I am sending a letter addressed to the insurance of the respective banks is that enough or any other copy to be sent to any other department

 

 

You will need to start your own thread and this is the way to do it :)

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

Just click on the link, add in a usefull name that you will remember in the thread title and then post you information. This keeps everything relevant to your own case and reduces the confusion factor ;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi

Thanx Alanaca,i Am Starting A New Thread And Can Post The Paper In Photobucket

In Short My Wife Had Two Seperate Loans

1 From Barclays For 4,900 From 6th Feb 2006 For 60 Months Emi 156.00.the Ppi 1,268.97 She Has Not Been Given Option To Opt Out Or Information About Other Insurance Providers. I Have Been Paying The Instalements Regularly.

Now After The Welcome Finance Issue Got Into The Forum Which Has Helped Me A Lot To Take Up The Issue And Hence Came To Know About The Missold Ppi And Reclaiming It. Accordingly I Have Sent A Letter Yesterday To Insurance Provider Barclays Insurance Dublin For Reclaiming It With Interest.

So Also She Has A Loan From Halifax For 3,000 Commencing From 18th August 2008 With A Ppi Of 1,318.52 Over A Period Of 48 Months Plus Interest. At The Time Of Loan Application Over A Phone She Was Told That Ppi Would Increase The Chances Of Getting A Loan, So Also After Receiving The Insurance Paper She Called To Cancel It But Was Told That Once Sold It Cannot Be Cancelled.so We Continued Payning . But Yesterday I Have Sent A Letter To Claims And Admin Department Uxbridge, Asking Them To Pay Back The Amount Of Premium Alongwith Interest Paid By Her So Far.

 

What Should Happen After The 14 Days Notice Period Given To Them

 

Any Guidance Will Be Of Great Help And Appreciated.

 

Vilka

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Hi

Thanx Alanaca,i Am Starting A New Thread And Can Post The Paper In Photobucket

In Short My Wife Had Two Seperate Loans

1 From Barclays For 4,900 From 6th Feb 2006 For 60 Months Emi 156.00.the Ppi 1,268.97 She Has Not Been Given Option To Opt Out Or Information About Other Insurance Providers. I Have Been Paying The Instalements Regularly.

Now After The Welcome Finance Issue Got Into The Forum Which Has Helped Me A Lot To Take Up The Issue And Hence Came To Know About The Missold Ppi And Reclaiming It. Accordingly I Have Sent A Letter Yesterday To Insurance Provider Barclays Insurance Dublin For

Reclaiming It With Interest.

So Also She Has A Loan From Halifax For 3,000 Commencing From 18th August 2008 With A Ppi Of 1,318.52 Over A Period Of 48 Months Plus Interest. At The Time Of Loan Application Over A Phone She Was Told That Ppi Would Increase The Chances Of Getting A Loan, So Also After Receiving The Insurance Paper She Called To Cancel It But Was Told That Once Sold It Cannot Be Cancelled.so We Continued Payning . But Yesterday I Have Sent A Letter To Claims And Admin Department Uxbridge, Asking Them To Pay Back The Amount Of Premium Alongwith Interest Paid By Her So Far.

 

What Should Happen After The 14 Days Notice Period Given To Them (They have 40 days to respond from the day they receive the SAR)

 

Any Guidance Will Be Of Great Help And Appreciated.

 

Vilka

 

Firstly I would split the two claims and put each one on a separate thread to prevent confusion.

 

Once you have done this you will be able to keep track more easily on each claim.

 

As before the SAR is the way to go so I will post up this again for your information.

Letter templates here..

 

Full SAR for ppi and also here..

 

Data Protection Act 1998 - Subject Access Request

 

and be sure to ask for these:

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. Send all correspondence by at least recorded to be signed for so you can track delievery through Royal Mail.

 

The things you should get from a Subject Access Request are:

 

True copies of your Consumer Credit Agreements (CCA) with the terms and conditions that were applicable to the agreement at the time the loan started.

 

Copies of all your statements.

 

Copies of all correspondence with regard to the loan, letter, fax, transcripts of phone calls or transcripts of phone calls, or other notes taken by them during the calls.

 

Also be specific in your request for full disclosure on any PPI added to the loans this should be identifiable on the CCA.

 

Specifically request the needs and wants/Customer duty of care questionnaite which should have been completed at the point of sale. This questionnaire should be filled out by the bank advisor to ensure all the relevant questions have been asked to ensure the product is fit for purpose and suitable to your needs. See this as an example.....

 

When you send your Subject Access Request you should ask for evidence of the questions asked at the point of sale.

Please see this link for an example:.....http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

The data requested should be data in any format that their organisation uses for filing, electronic, paper, microfiche, CD, Floppy, Magnetic tape.

 

Please have a read through the following links for further information.

 

PPI - Some Notes for Claimants..

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

This is a little snippet from the above link....

Quote:

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

All of the above and more in this sticky at the top of the forum.

 

links

 

It's a lot of reading but some useful stuff in there:)

 

Hope this helps;)

 

Homework first :eek:

 

Then claim your money back:D

 

aa

 

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Just start two new threads as you have only started on your claim so click in the first link and name it something like Vilka v barclays mis-sold PPI

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

Then do the same on the next link and name it Vilka v Halifax mis-sold PPI

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

This should give you two separate threads to keep track of each claim separately which makes life much easier for all.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Share on other sites

Hi

Thanx Alanaca,i Am Starting A New Thread And Can Post The Paper In Photobucket

In Short My Wife Had Two Seperate Loans

1 From Barclays For 4,900 From 6th Feb 2006 For 60 Months Emi 156.00.the Ppi 1,268.97 She Has Not Been Given Option To Opt Out Or Information About Other Insurance Providers. I Have Been Paying The Instalements Regularly.

Now After The Welcome Finance Issue Got Into The Forum Which Has Helped Me A Lot To Take Up The Issue And Hence Came To Know About The Missold Ppi And Reclaiming It. Accordingly I Have Sent A Letter Yesterday To Insurance Provider Barclays Insurance Dublin For Reclaiming It With Interest

What Should Happen After The 14 Days Notice Period Given To Them

 

Any Guidance Will Be Of Great Help And Appreciated.

 

Vilka

forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifAre you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!!

 

Follow this link to see the discussions on this.

You might even double th size of your claim.

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

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My Wife Has A Loan From Halifax For 3,000 Commencing From 18th August 2008 With A Ppi Of 1,318.52 Over A Period Of 48 Months Plus Interest. At The Time Of Loan Application Over A Phone She Was Told That Ppi Would Increase The Chances Of Getting A Loan, So Also After Receiving The Insurance Paper She Called To Cancel It But Was Told That Once Sold It Cannot Be Cancelled.so We Continued Payning . But Yesterday I Have Sent A Letter To Claims And Admin Department Uxbridge, Asking Them To Pay Back The Amount Of Premium Alongwith Interest Paid By Her So Far.

 

What Should Happen After The 14 Days Notice Period Given To Them

 

Any Guidance Will Be Of Great Help And Appreciated.

 

Vilka

forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifAre you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!!

 

Follow this link to see the discussions on this.

You might even double th size of your claim.

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

Link to post
Share on other sites

She Has A Loan From Halifax For 3,000 Commencing From 18th August 2008 With A Ppi Of 1,318.52 Over A Period Of 48 Months Plus Interest. At The Time Of Loan Application Over A Phone She Was Told That Ppi Would Increase The Chances Of Getting A Loan, So Also After Receiving The Insurance Paper She Called To Cancel It But Was Told That Once Sold It Cannot Be Cancelled.so We Continued Payning . But Yesterday I Have Sent A Letter To Claims And Admin Department Uxbridge, Asking Them To Pay Back The Amount Of Premium Alongwith Interest Paid By Her So Far.

 

What Should Happen After The 14 Days Notice Period Given To Them

 

Any Guidance Will Be Of Great Help And Appreciated.

 

Vilka

forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifAre you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!!

 

Follow this link to see the discussions on this.

You might even double th size of your claim.

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

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Share on other sites

In Short My Wife Had Two Seperate Loans

1 From Barclays For 4,900 From 6th Feb 2006 For 60 Months Emi 156.00.the Ppi 1,268.97 She Has Not Been Given Option To Opt Out Or Information About Other Insurance Providers. I Have Been Paying The Instalements Regularly.

Now After The Welcome Finance Issue Got Into The Forum Which Has Helped Me A Lot To Take Up The Issue And Hence Came To Know About The Missold Ppi And Reclaiming It. Accordingly I Have Sent A Letter Yesterday To Insurance Provider Barclays Insurance Dublin For Reclaiming It With Interest

What Should Happen After The 14 Days Notice Period Given To Them

 

Any Guidance Will Be Of Great Help And Appreciated.

 

Vilka

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