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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.  
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    • 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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Confussed about Interest (again)


intersimi
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Hi all,

 

I am about to send my "letter before action" off tomorrow. I am yet again confussed about the interest and wording of the 'Letter before action". Perhaps someone could explain this a little more to me (I am sure I am not the only one).

 

I have asked before if the Interest that I should enter on the letter was the interest calculated using the spreadsheet, or the Interest that the bank charges for goping overdrawn etc. The reply was that it was the interest calculated by spreadsheet.

 

It is also my understanding that the spreadsheet only calculated the 8% interest that the court will also allow you to use on outstanding amounts owned.

 

The way the 'letter before action' is worded is this:

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

This is worded such that the interest in question is another type of interest, perhaps interest that charged by the bank and variable, making up the total owed. The next paragraph indicates that 8% would then be added in the court.

regards,

 

InterSimi

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The reply was that it was the interest calculated by spreadsheet.

 

Can you point me to this answer please. It is wrong.

 

You only add the 8% interest to your claim when you file it in court.

 

Until that time you only include the charges and the interest which the bank has already deducted from you on those charges.

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Hi,

I sent off my firt letter last week to the Natwest. I didn't include any interest, I just specified the charges and stated that it did not include interest. I'm waiting for the 14 days to expire so that I can go to the next step. I'm in the process of filling in the Excel spreadsheeet, but must confess that, I'm stumped by the last two colums. I'm going back 3 years and don't know whether I have to work out how many days have gone by since that charge, whether it includes weekends or whether I put todays date in and it works out how many days have elapsed and then calculates the 8% interest for me.

Does anyone know?

Has anyone else filled in the spreadsheet?

Thanks

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Here is the thread:

 

http://www.bankactiongroup.co.uk/forum/viewtopic.php?p=6994&highlight=#6994

 

So basically, I should ask for the charges back in both of the first two letters (includeing letter before action).

 

Then only include the 8% interest when you file your claim to the court.

 

In that case I do think there is confussion in the letter and should be revised. A few people are having the same problem as myself I feel.

regards,

 

InterSimi

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Ruby - if you just put the date you incurred the charge into the spreadsheet it automatically calculates the "days since offence" & the interest (enter your date in numerical form with slashes like this "11/10/04" & it formats it for you). So all you need to know is what the charge was for, how much & when, leave the rest to the spreadsheet. :)

Yorkshire Bank £2201.24 - Settled in full

My Abbey £731.34 - Settled in full

Hubby's Abbey £1239.49 - Settled in full

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Ruby, also from this discussion, I gather that you should not fill in the spreadsheet (or at least include the calculation in the letters) until you are ready to go to court and then include the Total sum owed (charges), then your court costs, then your 8% interest.

 

Admins, please correct me if I am wrong.

 

I think I should have done it this way:

 

Sent preliminary letter (Charges listed only)

 

Sent Letter before action (Charges listed only)

 

File court claim (Charges, Interest and Costs listed)

regards,

 

InterSimi

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I think I have this right as follows:

 

Prelim letter - Charges + interest they charged you for going overdrawn

LBA Letter - Charges + interest they charged you for going overdrawn

Court Claim - Charges + interest (overdrawn) +costs +8% from spreadsheet

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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How did you ascertain what interest they charged you for going over drawn? That would be extremely difficult I would imagine as you would have to check which rate was used for your normal overdraft (as they charge you interest for this), and the interest they charge you for going over your overdraft (as I thought it was a higher rate). Plus, if you "flit" in and out of your overdraft, how would you calculate this?

 

For example. I had at one point, a £10,000 overdraft, which was authorised and I was paying a lot in interest charges per month. Also, at the same stage, I went over this overdraft by about £4000. If I remember correctly, the Interest charges was just lumped together. I may be wrong in this, but as far as I remember it was.

 

Also, you would have to work out what interest they charged you specifically for the charge they applied, not the amount you actually went overdrawn by. They are lawfully allowed to charge you an interest rate on what you borrow. So there is another spanner in the works for the interest to claim back.

regards,

 

InterSimi

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I dont have an overdraft on my account so any time I had interest charged to my account it was because charges had sent me overdrawn.

 

In addition to this my statement clearly show interest charged.

 

Using the spreadsheet provided I have input the charges applied to my account and then had the sheet work out 8%. I have also input interest charged to my account and added 8% on that as well.

 

The amounts for the letters comprise of charges and interest charged caused by them taking me overdrawn. If it goes to court I will then add the 8% totals to the claim

Paul

 

Halifax Status

LBA Sent 11/04/06

1/3 offered by phone 20/04/06 - Rejected

BCT Status

Statements Recieved 31/03/06

Capital One Status

Recieved Lie/Reply 24/04/06

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How did you ascertain what interest they charged you for going over drawn? That would be extremely difficult I would imagine as you would have to check which rate was used for your normal overdraft (as they charge you interest for this), and the interest they charge you for going over your overdraft (as I thought it was a higher rate). Plus, if you "flit" in and out of your overdraft, how would you calculate this?

 

This was my original contention with the interest issue, and I have to say I was not left with an understanding. Eventually I thought "what the heck" and just totted up ALL the interest charges on my statements and put that figure in my refund request.

 

My argument to the bank is "provide me with a breakdown and I will re-calculate, or re-calculate and I will probably accept the revised figure." (don't get me wrong, I have not yet given the bank this option...)

 

And as Dave says elsewhere, the banks are entitled to 'something,' and it would show good grace in court if you were to accept that these interest charges are the ONLY thing the bank is entitled to, and that you are therefore prepared to waive this element of your claim.

 

However, as they will not disclose actual cost re:charges applied, stick with the claim for a FULL refund of charges. This is to be my strategy, and I believe that most would agree that it is sensible without appearing greedy. After all, I am reclaiming what I am owed, I am NOT in this to make money...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Spiceskull, you have made a fair point. I would say in that case, those with no overdraft or one which is very small would probably be in good stead to claim back the interest as shown on the statement and argue that they should provide a breakdown if they would like to refute the amount of interest.

 

As you are all probably aware, most of the time, the dispute is settled out side of the court, on the steps, so to speak, so it would be up to you to agree or to not agree the final figure.

 

Like you say, I also beieve that the bank is entitled to make money, otherwise, they would cease to exist as we know them. All I wish is for my unlawful charges to be returned. If there was a simple way to calculate the interest charged on those charges, then that would be terrific, however, there is not, so I will leave this part out of my claim.

 

Many thanks for the replies by everyone concerned. I hopw this makes things a little clearer for those who were also in the dark like myself.

regards,

 

InterSimi

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I wouldn't leave the interest out of your claim - leave it in. That way you have leverage, and the opportunity to display goodwill at a later stage. If, in the meantime, the bank can demonstrate exactly why your calculations are wrong, pay heed, and decide on the merits of their response.

 

At the end of the day, you haven't claimed anything that can be 'enforced' until such time as you get to court...and we all know how many times that happens.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Thanks intersimi for raising this issue.

 

I am now clear as to my position and way forward. Also for your post on LTSB page with your letter, which I will use also (assuming no copyright applies -lol)!

 

Thanks also to everyone else who commented on this thread.

 

I love how everyone is working together! :D

 

LOULA

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The problem is that your overdraft you agree to is at about 18% when you ‘borrow without agreement’ that shoots up to 29%. Now if the only reason you are overdraw is because of charges then, in theory the bank have made 'unjust enrichment' but if the bank had paid your DD’s then they would have a legitimate’ish reason for charging the higher amount till you account is back within limits.

 

Now we all know that if the bank had paid your DD’s let you go over your limit, wacked your for high interest but you then bring your account down within it limit none of us would be here, but instead we are getting hit from all angles, Charges (That more than often come to more that the DDs would have cost to pay), and an interest rate from hell, charges for going over your limit and we all still have the bills to pay and all the charges they make too

 

IMHO Most of us are in this boat because the when you live close to your monthly budget, they milk us like cash cows, knowing that we will get more and more into debt so they can sting us for loans with PPI to clear OD’s that we only have to pay the banks charges then they start all over again

 

It would be great it we could say ‘pay me back all my interest too’ but I think any bank would fight tooth and nail not to pay it back as when you break it down interest should be the only way banks make money plus it is also almost imposable to work out how much to claim

 

Mal

Lloyds, DPA Letter issued 9/3/06

Lloyds, Preliminary approach letter issued 11/4/06

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All the more reason for keeping interest charges in the claim. If they want it back they will need to demonstrate to a court that they are lawfully entitled to it.

 

However, if they do offer to recalculate the interest element, and demonstrate it's constituent elements to you, I, personally, would feel morally obliged to agree to adjust that part of my claim.

 

However, I would still make clear my intent to press for a FULL refund of the charges, so they will either pay up or go to court anyway...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 10 months later...
I dont have an overdraft on my account so any time I had interest charged to my account it was because charges had sent me overdrawn.

 

In addition to this my statement clearly show interest charged.

 

Using the spreadsheet provided I have input the charges applied to my account and then had the sheet work out 8%. I have also input interest charged to my account and added 8% on that as well.

 

The amounts for the letters comprise of charges and interest charged caused by them taking me overdrawn. If it goes to court I will then add the 8% totals to the claim

 

so does mine!! and i have spent too much time reading and reading what other people think with regards to claiming back interest, when on the advance spreadsheet it breaks it down for you so simply, the problem is I think this is a classic case of too many cooks.... because some people are giving the wrong advice... the instructions on the advanced spreadsheet say it all, and as my statements clearly say what my interest is I will be adding this in!

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I wouldn't leave the interest out of your claim - leave it in. That way you have leverage, and the opportunity to display goodwill at a later stage. If, in the meantime, the bank can demonstrate exactly why your calculations are wrong, pay heed, and decide on the merits of their response.

 

At the end of the day, you haven't claimed anything that can be 'enforced' until such time as you get to court...and we all know how many times that happens.

 

good point....

Have you done your claim as yet?? Judging by the date of your last post in this topic i'm guessing you have?

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Hope you don't mind me subscribing to this thread.

 

I've recently submitted my claim to Abbey bank account, requesting Contractual Interest on the whole thing.

 

I agree that there are so many threads and suggestions about how/when to apply interest to prelims or claims, it does become confusing and daunting.

 

Using experienced contributors letters on here, I ascertained that in the abscence of Abbey providing proof of their 'liquidated damages' for every breach (unauth overdraft/returned direct debit etc), the charge is unenforceable. Therefore the whole charge in my opinion should be reclaimed under mutuality and reciprocity (using the principle from the Unfair Terms in Consumer Contract Regs 1999) (you do to me/I do to you) and claimed their unauthorised rate of interest (29.7%) for them withdrawing money from my account without permission or a proven basis for doing so.

 

If it goes to court, I'll file for the contractual interest at unauth rate.

In the alternative, I'll claim the lesser rate at authorised rate (15.9%), and if all else fails, in the alternative, I'll request section 69 intrest at 8% simple interest.

 

If the bank in question know you know your stuff, or are determined to see it through to the end (Court) they will seriously consider the initial request if they believe you will stick to your guns.

 

I wish you well in your case

 

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

regards,

 

InterSimi

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