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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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OK...I have my statements, what do I do now?


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Hi,

 

First time poster so forgive me if i've posted this in the wrong place!

 

Ok so I have received a large bundle of statements from HSBC after sending off the data protection template letter. I've gone through them all and have worked out how much I'm owed.

 

Could someone point me in the right direction of where to go from here please?

 

Thanks:)

Dan.

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hello mossom & welcome to the HSBC forum....you're in the right place :)

 

you need to create a schedule of charges using one of the spreadsheets & send it off with the prelim letter

 

heres the step by step guide

Example Step-By-Step Instructions - Now updated to reflect the OFT court judgment -j

 

have a good read & take it one step at a time....lots of help available here when you need it - in johnnys words...were a user-friendly lot :D

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Hi mossom - you're in excellent hands with PD there :)

 

Your basic plan of campaign should be something like this :

 

Step by Step Instructions post OFT Test Case

 

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Basically the plan layout is :

 

1. Work out how much they owe you in unlawful charges

 

If you want to go back 6 years send a Subject Access Request -

 

http://www.consumerforums.com/resour...access-request

 

This gives them 40 days to cough up everything they have on you , which will give you a good chance to read up on further action :-)........

 

2. Send a Preliminary Letter asking for it back(they'll try to put you off ):rolleyes:

 

http://www.consumerforums.com/resour...-for-repayment[/font]

 

 

3. Send a Letter Before Action (which they'll either ignore or try to waffle you out of it ) :rolleyes:

 

http://www.consumerforums.com/resour...n-bank-charges

 

4. Lodge your claim with the Local Small Claims Court ......

 

Come back at this stage and we can guide you further - someone will always answer and as PD knows I always say 'we're a friendly lot on here '..... :grin:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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thanks johnny,

 

I've given it all a read through and have everthing worked out now.

 

One thing though I'm still unsure of, am i right in thinking that overdraft fees on an account are not claimable unless the overdraft fee paid resulted in a S/O charge being issued?

 

Thanks once again,

Dan

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Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 2 weeks later...

Hi Guys,

 

I have received a letter back saying its been registered and a load of stuff about helping me out of financial difficulties and received a putting your finances in order booklet.

Do I now wait for the 14 days to elapse before sending the next letter?

Thanks,

Dan.

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Hi Guys,

 

I have received a letter back saying its been registered and a load of stuff about helping me out of financial difficulties and received a putting your finances in order booklet.

Do I now wait for the 14 days to elapse before sending the next letter?

Thanks,

Dan.

Are you financial hardship or not?

Do you have priority debt arrears(mortgage/rent,council tax, utilities)?

How far back did you go?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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In that case the claim is logged with the bank and they will settle it once the OFT test case is over.

CAG suggest that you file a claim at court even though it is unnecessary to do so but the claim is yours and so if you want to proceed then it is your choice to be made.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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CAG suggest that you file a claim at court even though it is unnecessary to do so but the claim is yours and so if you want to proceed then it is your choice to be made.

It's necessary to do so if you want the 8% statutory interest that goes with your claim ......... :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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It's necessary to do so if you want the 8% statutory interest that goes with your claim ......... :D

 

Which you would get under the FSA Waiver on Bank Charges. Would you like me to quote the passage?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Thanks , yb - but I wsouldn't believe the FSA if they told me today was Saturday - without checking the calendar ........lol! :rolleyes:

 

 

sorry ,I meant to say - please do quote it for me ..... :-)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks , yb - but I wsouldn't believe the FSA if they told me today was Saturday - without checking the calendar ........lol! :rolleyes:

 

 

sorry ,I meant to say - please do quote it for me ..... :-)

 

Ok to the first part of the post, I would say this, how much does the FOS award as a compensatory amount for missold PPI?(that'll be 8% ;) ).

 

 

13.15

"(15) to the extent that sums are ultimately to be paid to complainants in respect of relevant charges complaints that have been stayed, the firm must include in these sums an

element of compensation in respect of interest charged to or lost by the customer as a result of being out of money during the stay period;"

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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right ok didn't mean to spark a debate but i guess that's what these things are here for. So as the test case is still running things have been put on hold.

I just wanna make sure I've done everything I can to get my money back.

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right ok didn't mean to spark a debate but i guess that's what these things are here for. So as the test case is still running things have been put on hold.

I just wanna make sure I've done everything I can to get my money back.

 

The debate is fine and the test case is on hold either route you take.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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