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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.
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    • 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
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Zebbydog v Yb ***WON***


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Just found this in Mercantile Forum regarding hearings in london on 24th of January

 

"Although some of these cases have been allocated to the Multi Track, it is the provisional view of the Judge that the costs rules for the Small Claims Track should apply to all of them"

 

 

So may be better to leave letter as it is

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WON:D

 

Today recieved an offer for the full amount claimed plus £220 court costs.But no interest.We are leaning towards acceptance for personal reasons that will become apparant when we attend the CAG do in Wakefield next week.Donation will be made when we have cleared funds

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well done Zebby and congrats, :D it's heartening every time i see these bullies fail to make one of us back down, they must know now that we can't be stopped with lame scare tactics. So don't party too much and enjoy the winners circle

 

Regards Moss

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Thanks for kind comments and support folks. Letter going out tomorrow but holding on to discontinuance notice until funds arrive.I have reminded them that time is of the essence as I will have to submit court docs by the 30/1/07 and if they dont agree I will continue to court with the claim.For all those who are going to the do on friday, look forward to seeing you all:p

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  • 2 weeks later...

Well only a week to go before court now and nothing from YB despite writing to them to accept their offer. So CMS docs sent to court and a copy to Glasgow.They do like to b***er and take things to the wire.Well if its going to be court then its going to cost them a lot more as I have now added reasearch and preparation costs at £9.50 per hour to my CMS not to mention that INMHO this is an abuse of the court system and will be informing the court of this

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Hiya, I got my court date 26th March, does anybody know if I should be doing anything Im a bit lost dont know if I just sit and wait or if I need to contact the courts an I notice a mention of submitting court docs I was under the impression I had done this do I have to do it again or are they different docs

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I should think you might get a special delivery letter in the next few days Zebby. I got one with a cheque quite quickly after a fax rejecting the last offer and reminding them that court was looming.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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True, but going on alymacs experience you might have a problem going to court if you are in the process of settling. I suggest you phone the court, advise them of the situation and seek advice on what you should do.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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True, but going on alymacs experience you might have a problem going to court if you are in the process of settling. I suggest you phone the court, advise them of the situation and seek advice on what you should do.

 

I think I will probably have to write a letter to the judge apologising for the delay even if they do pay before court.I will point out that this is due to YBs obstructive and unreasonable behaviour and abuse of the court process. Here is a copy of my acceptance letter.

 

Response to settlement offer.

Without Prejudice

 

 

Dear Sir or Madam

With reference to your letter of the 18/01/2007 offering 1.£3055 and 2.£220 court costs, total £3275.

I can confirm that I am happy to settle for this sum in full and final settlement of claim No 6QZ73633.Please find enclosed signed acceptance letter. I will also sign and return to you the notice of discontinuance and a copy to the court, when I have cleared funds in my possession. I would remind you that time is of the essence as I will have to submit documents to the court no later than 30/01/2007.I trust that this meets with your approval. If it does not then I will continue with my claim in court on the 7/02/2007 at the Leeds Mercantile court.

Yours Faithfully.

 

And letter sent last week.

 

With reference to my letter dated 21/01/2007. As I have yet to hear from you regarding this letter and the Court date is fast approaching, I now have to submit Court Documents. Please find enclosed a copy of my Case Management Information Sheet submitted to Leeds Mercantile Court.

 

 

Considering these letters, do you think i am still entitled to go to court.After all nothing has changed they havent paid me what I am claiming for?

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You don't need the Without Prejudice. You only need to put that if you are saying something you don't want the court to know about.

 

As you are accepting this offer I think the court may see it as settled and you might be seen as wasting the courts time and in a worst case scenario you could end up paying costs. This is why I suggest you phone the court for advice.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Having heard nothing from the bank despite accepting their offer over 2 weeks ago,I have just been in touch with the court and they advised if the bank hasnt settled by weds we should attend the hearing.

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Have spoken to Glasgow on the phone and they asked if I had recieved a cheque,when I said I had heard nothing in over 2 weeks,they said they would call me back today.We will see. Not holding my breath

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Zebbydog i have to have my court docs in by thursday is ther any chance you could advise me on what to put together as i want to make sure i get it right.

 

Thanks

Sid

 

 

Which court is it? and what have the court asked for?

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The following Directions apply to this claim:

 

6) Each party must deliver to every other party and to the court office copies of all documents on which that party intends to rely at the hearing no later than 4pm on Thursday , 8th February 2007.

 

 

Its at Teeside County Court but the hearing is not until April

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So it looks like you will have to provide all copies of any letters you have written to the bank and any replies plus schedules of charges and particulars of claim you filed with the court,you will also need copies of your statements.Also have a look at the court bundle in the library and decide what you are going to use out this.You then need 3 copies of eveything send one to court and one to the bank keep one for youself.

 

 

 

 

 

 

 

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Well suprise suprise a nice chap called Graham from the bank called me and said the cheque was sent out on friday and if it did not arrivebytomorrow to ring him back. So will have to see what tomorrow brings :confused:

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Oh zebby come on this is ridiculous. Sorry, I know it's not your fault. I was bad enough when my claim was settled 2 weeks before court, so I can only imagine how you must feel. My cheque was sent special delivery for guaranteed delivery by 1pm, but as I was at work there was a card for me when I got home, to collect a letter from the PO which I did next day.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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They couldnt even tell me if it was sent recorded special or ordinary post.Then the court tell me to attend if I havent got it by weds and yet tell someone else on the mercantile thread they can have a 2 weeks continuance :confused: Nothings ever simple.it has been a long hard road.the thing that really shocked me was the bank returning my call:o

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