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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
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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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Barclaycard v MandMs son in law


MandM
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Have put together this reply does it look ok or do I need to change

 

 

Thank you for your letter.doc

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I think that will do, apart from the typo's. ;)

 

:)

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I think that will do, apart from the typo's. ;)

 

:)

 

ty

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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  • 3 weeks later...

Still no reply from Barclays about the rest of the statements. The deadline was today.

 

My son in law does not want to stop paying his card so not sure if I can still do an account in dispute or should I just do a letter to the FOS and complain.

 

Mrs M

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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Give them a few day's grace and, if still no reply, send a complaint to the ICO.

 

:)

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Thank you Slick.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Update.

 

Received this letter today from Barc/card.

 

barclays.jpg

 

Not sure what she is getting at.

 

The only stuff we have had so far is 6 years of statements and the long pages of data that no one understands.

 

There were no copies of any correspondence and no call logs, but on a lighter note hopefully we will now be getting the rest of the statements so we can crack on with the PPI claim.

 

Will keep you posted.

 

 

Mrs M

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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Seems a bit wierd to me, a SAR means they have to produce all information, in any form they currently have, so leaving out those statements is surely a breach of the SAR?

 

She may well mean they are re-sending out the documents, but if thats what she means she hasn't worded it particually well.

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A SAR response only has to supply the data they hold.

 

It doesn't HAVE to be in a specific format, eg statements.

 

However, it must be intelligible to the recipient as a lay-person.

 

:)

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Thanks Doom & Slick.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi MandM,

 

We have seen on other threads that the ICO is unwilling to challenge BC to show proof of, or reason for, destruction of data.

 

BC say, "We ain't got it no more" to the ICO and the ICO say to you, "BC say they ain't got it no more and we believe them, innit."

 

If we actually take it that BC actually have destroyed the data, you can understand why they'd do this to avoid further penalty charge and PPI liability.

 

:mad:

 

My thread is one of those. I finally got an additional 2 years worth of statements from microfiche (so 8 years in total), but only when I filed a court claim for non-compliance ... and after they'd told me a couple of times that they didn't have the information

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My thread is one of those. I finally got an additional 2 years worth of statements from microfiche (so 8 years in total), but only when I filed a court claim for non-compliance ... and after they'd told me a couple of times that they didn't have the information

 

Me too,

 

All the time they were 'investigating' my ppi complaint they took the stance of 'we are only obliged to supply six years statements.

 

However after admitting my ppi was mus sold & the FOS upheld the complaint (BC wouldnt make a full refund), I had another crack at getting the statements to which BC replied 'oops we've destroyed it'.

 

ICO said what Slick has posted, wasted almost 12 months for them to deal with my complaint.

 

Just filed a court claim in a final attempt to get the statements.

 

Beachy

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My thread is one of those. I finally got an additional 2 years worth of statements from microfiche (so 8 years in total), but only when I filed a court claim for non-compliance ... and after they'd told me a couple of times that they didn't have the information

 

Me too,

 

All the time they were 'investigating' my ppi complaint they took the stance of 'we are only obliged to supply six years statements.

 

However after admitting my ppi was mus sold & the FOS upheld the complaint (BC wouldnt make a full refund), I had another crack at getting the statements to which BC replied 'oops we've destroyed it'.

 

ICO said what Slick has posted, wasted almost 12 months for them to deal with my complaint.

 

Just filed a court claim in a final attempt to get the statements.

 

Beachy

 

Thank you for that. Will give it one last go as I'm treading softly with this one as Acc is not in dispute.

 

>>>>>>BC and Webmaster - do you have a link to your threads as it looks like I may be doing the same :)

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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We could do with some help from you

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Thanks Slick.

 

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi.

 

Am getting really fed up with them now. I gave them 16 more days and they are still ignoring it.

 

Have done a letter can someone have a look and advise.

 

 

*********************************************************

Letter Before Action

 

Dear Madam

 

Reference Account : ****** **** ****

 

 

 

Thank you for your letter 8/3/10.

 

I would like to point out that a full SAR was not supplied to me.

 

As stated in my letter 20/2/10 there was no comms log.

 

As I remember a conversation with someone at your telephone banking department last year concerning the PPI on my account I am assuming that this conversation would have been logged.

 

There was nothing in the data referring to the PPI I had on my account or when it was requested for the account.

 

I am still awaiting the rest of my statements.

 

It has now been another 16 days and I feel that I have given you ample time to come up with the request.

 

I am now giving you 7days to fulfil your obligation to me under the Subject Access Request or I will be forced to put the account into dispute and ask the courts to intervene.

 

 

 

Yours Faithfully

*********************************************************

 

Is this too much or am I not saying enough.

 

Thanks

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Personally I wouldn't highlight what your actually looking for data wise, I would just stress that the 'comms log' is missing. Once you tell them what your looking for it starts to disappear. Sometimes you need to be cunning.

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You can also mention that you will complain to the ICO and may issue court proceedings to ensure that they comply with the obligations imposed upon them by the Data Protection Act.

 

:)

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Hi M&M

 

I complained to FOS that BC had not sent a CCA only a typed agreement - the FOS adjudicator as written to me confirming that BC do not have a copy - I have not heard from them for months (usually I tempt fate and a letter drops) - Sitting back and waiting!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Thanks Slick, Rebel & LB.

 

All comments noted and digested will reword the letter.

 

He has only ever had the copy Agreement that has no details on it. When we asked Barclays for a signed agreement they came back and said they did not have to supply it.

 

Not sure if we should have argued that.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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In case any information on my thread is helpful, the FOS confirmed that BC do not have a copy of the CCA although they do not think I should withold payment - well until BC prove otherwide that's the way it will be, I had great advice from Vint and Slick plus others (incase I missed anyone important out!)- here's the link

 

Barclaycard CCA - advice on next move please

 

I also checked my credit file and BC and it shows there has been about 8+ missed payments

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Thanks LB.

 

My son in law has never missed a payment on this card in 12 years, and has only ever had 1 referral which they paid him back, so they don't have a problem with him which makes me think they must know that he is looking at claiming back the PPI he was miss sold.

 

I am of the mind now that maybe I should just complain to the ICO.

 

I will let them know that I am putting in a complaint and I might even drop in the fact that he has always kept up his payments etc and as such what is their problem on giving him his agreement and his SAR documents.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi, have reworded the letter how does it look.

 

 

********************************************************

Letter Before Action

 

 

Dear Madam

 

 

Reference Account :*****************

 

 

 

Thank you for your letter 8/3/10.

 

I would like to point out that a full SAR was not supplied to me.

 

As stated in my letter 20/2/10 the comms log was missing

 

As I remember a number of conversations with someone at your telephone banking department last year concerning my account I am assuming that these conversation would have been logged.

 

I am still awaiting the rest of my statements.

 

I would also like a copy of my signed agreement as requested by me in December 09.

 

The copy you sent me was not a copy of the agreement that I signed, and the T&C’s were not the T&C’s for the original agreement I took out with your company.

 

It has now been another 16 days and I feel that I have given you ample time to come up with the request.

 

I am now giving you 7 days to fulfil your obligation to me under the Subject Access Request or I will put the account into dispute.

 

Further more I will be putting a complaint into the Information Commissioner`s Office and may issue court proceedings to ensure that you comply with the obligations imposed upon you by the Data Protection Act.

 

I would also like to point out that I have always maintained my account in accordance with your terms, I have never defaulted on my payments and as such I will inform the Information Commissioner’s Office of this.

 

*********************************************************

 

Thanks

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Looks fine to me.

 

:cool:

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Thanks Slick.

 

Will send it off today.

 

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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