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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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Secret/undisclosed commissions...


42man
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As they are part of the commonwealth I am certain this will be a copy of our laws matey...no probs really.

 

sparkie

 

 

I have a copy of this which I found ages ago but did not post as I thought it did not apply to us UK's, sparkie please let us know if it does.

 

Thanks for that cab.

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As they are part of the commonwealth I am certain this will be a copy of our laws matey...no probs really.

 

sparkie

 

found this info regarding the commonwealth thingy.

 

English contract law is an influential body of law regulating the law of contract that operates in England and Wales. Its doctrines form the basis of contract law across the Commonwealth, including Australia, Canada, New Zealand contract law, India and South Africa, as well as the United States and the wider common law world. It also influences international law.

 

cab

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found this info regarding the commonwealth thingy.

 

English contract law is an influential body of law regulating the law of contract that operates in England and Wales. Its doctrines form the basis of contract law across the Commonwealth, including Australia, Canada, New Zealand contract law, India and South Africa, as well as the United States and the wider common law world. It also influences international law.

 

cab

 

Great find cab, :lol:

 

OMG I found the smileys page

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  • 6 months later...
Any more news on undisclosed commissions as yet ?

 

Hi 42 Man and everyone

 

I have a case against GE for this with a hearing date of 4th May 2011 at Tunbridge Wells County Court, and a case against Swift for this with a hearing date of 16th June 2011 at the same Court.

 

Hope this helps everyone

 

Best wishes to all as always

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 2 weeks later...

Evening all

 

Apologies for the delay, yes I did start my own proceedings against them. They fought to avoid the Court but the DJ has set the matter down for a hearing!!

 

Best wishes to all

 

Douga

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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fought to avoid court ? do you have your own thread as we are travelling down the same road and any advice or updates would be nice as you seem ahead of me , thanks in advance

 

Evening all

 

Apologies for the delay, yes I did start my own proceedings against them. They fought to avoid the Court but the DJ has set the matter down for a hearing!!

 

Best wishes to all

 

Douga

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Hi Michelle and all,

 

I do not have my own thread at this stage - purely because I know how Swift work. I post on here updates, as I go along. If you wish to PM me please feel free to do so.

 

Kind regards to everyone

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 2 weeks later...

Does anyone actually know what an underwriting sheet should actually look like? I have no idea and despite requesting an underwriting sheet from GE for a loan, I have not got one and wouldn't even know what to look out for...

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  • 4 weeks later...
  • 4 months later...
Hi Michelle and all,

 

I do not have my own thread at this stage - purely because I know how Swift work. I post on here updates, as I go along. If you wish to PM me please feel free to do so.

 

Kind regards to everyone

 

Dougal

 

Any news?

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  • 3 years later...

I know this is an old thread.

I have been researching the secret commission aspect of consumer agreements, and in particular reliance on Hurstinger, so far on here I have come across no less than ten threads which have stated that there was a forthcoming"court case" which will clarify the matter.

As yet I am unable to find one which actually follows up on this.

 

I am beginning to think that the idea is just not viable after the GE money case. would I be correct ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thanks for bumping up this thread DB. We will have to be patient it seems. Maybe someone will come to this thread with their thoughts.

 

You may have read these articles.

 

 

http://www.fcpablog.com/blog/2014/7/16/uk-courts-rule-on-secret-commissions-and-recovering-profits.html#

 

http://www.wslaw.co.uk/site/uploads/publications/1406823572.0795.pdf

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  • 10 months later...
  • 4 weeks later...
Am I reading this correct that Swift are on the list of funders for the Money Advice Service?

 

http://www.publications.parliament.uk/pa/cm201213/cmselect/cmtreasy/writev/271/m01.htm

 

 

Looks like it ?

 

 

 

Appendix 5. List of current funders of the Trust

 

· Allied International Credit

 

· American Express Foundation

 

· Argos

 

· Bank of America

 

· Barclays Bank plc

 

· Barclaycard

 

· British Gas (here to HELP)

 

· BT plc

 

· Building Societies Trust Limited

 

· Consumer Credit Counselling Service

 

· Department for Business, Innovation and Skills

 

· Esmée Fairbairn Foundation

 

· Experian

 

· Finance & Leasing Association

 

· HM Treasury

 

· HSBC Bank plc

 

· Insolvency Service

 

· Lloyds Banking Group plc

 

· Ministry of Justice

 

· Money Advice Service

 

· National Australia Bank Group

 

· Nationwide Building Society

 

· npower

 

· Optima Legal

 

· Payplan Ltd

 

· Provident Financial

 

· Santander

 

· SSE

 

· Scottish Government

 

· Standard Life

 

· Swift Advances plc

 

· The Royal Bank of Scotland Group

 

· Wescot Credit Services

 

· Wessex Water

 

· Yorkshire Building Society

 

 

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  • 2 weeks later...

The consultation has been promised for a long time. The government would like to take credit for it but the truth is Europe is bringing in tighter controls on the market which it is forcing the UK to adopt. These rules come into place next year and one of the things it will do is bring second charge lending truly under the banner of mortgages, probably one of the reasons Swift don't go for the jugular as readily now. The consultation is based around how to implement the changes and knowing the government how to sideline some. Till the consultation is over nobody knows how it is going to relate to consumers past or present, so like normal there are hopes on the skyline but how far the skyline is nobody knows.

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