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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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    • 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.
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      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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CAG toolbar - very disappointing


BankFodder
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Thanks

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BF , I didn't realise this thread existed until today ........ and as I'm on ths site more or less daily .... maybe you should have advertised it more ...... or am I just going doo lally ?:rolleyes: lol! ( answers to BF on a postcard with a tenner attached ! ;))

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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How about those who GIVE advice rather than receiving it TIFO ? If they were forced to donate (although I have donated in the past anyway) the advice would dry up I'm thinking ..... :)

 

I don't see how that is relevant, it is the people RECEIVING the advice that may benefit from it. The person giving it is doing so FOR FREE in that sense.

 

If EVERYONE was forced to pay a small fee upon registration (e.g. £5) then that is fair to everyone as they can then benefit from RECEIVING and GIVING advice. It would also be fair for the people who lurk and get advice but never post. And it would make 'ogres' pay as well!

 

Bottom line: if the site is useful to you then you should donate. Nothing can come for free forever.

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Though not a tactic I would use, I've seen other sites go 'offline' for a few days at a time and cite "we need donations to keep going". Those that need to use the site will then realise how useful it is and how important it is to donate to keep it going.

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Or just go through the membership rolls, anyone who has never donated should be invited to do so.

 

I personally can't see why every member can't give 50p or £1 per year. That would more than cover CAGs budget and allow for special projects and further much needed research and consultation to be periodically undertaken.

 

I think anyone currently using CAG or having benefited from it in the past would find it hard to not afford 50p to £1 per year.

 

@250k+ members this would be £125k to £250k raised!!!

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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I would be very happy to pay a small monthly fee. I did actually write to the Mods at one point to set up a monthly standing order to the site - I was actually advised not to do this, but to wait instead until I'd reclaimed some bank charges and make a donation from that. In my case, that's not really relevant.

 

Anyway, if somebody would care to give me the relevant bank details I will happily set up a monthly standing order for, say, £5 per month. If only 10% of the registered members did the same there wouldn't be a problem. Also, I am in the middle of legal proceedings with Egg at the moment. If I win that one, I will make a larger donation.

 

Regards to all.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Come on then Site Team - give us the details so that we can set up standing orders.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 5 weeks later...

Would it be an idea to turn the organisation into a charity? I know a specialist in charity accounts.

 

For -

 

A little more trust that money donated and raised will be spent on the aims of CAG, I should add I have no qualms here but it does give some confidence to others.

 

Ability to claim tax relief on donations at 20% giving an immediate boost to the existing finances.

 

Ability to apply for funding usiing funding specialists. The chap I know also does this. There are a lot of EU social fund programs to support education relating to poverty.

 

There is money around to set up social enterprise companies at the moment. A lot of it. It won't be here for long though as the government seem to want to ditch involvement with EU social funds etc even though it is our tax money coming back to us. Logic escapes me on that, but the money is there.

 

To maximise the potential for grants, this should ideally be set up in a Tier One area like Cornwall.

 

If set up as a limited company, this gives some distance from liability, though the trustees can be held responsible for debt, though insurance is available for this and should be offered to trustees to indemmify them.

 

(Edited to add - this would protect individuals from massive costs should we go all the way and loose).

 

The fact the banks would be in effect acting against a charity for the poorest and those in financial distress through the greed of their directors would make the publicity more unfavourable for a bank. Don't forget that there are new corporate responsibility laws that come into effect soon hopefully. See here for more details on this.

 

Against

 

Costs in running a charity are not small, there are audited accounts to consider, (again, the chap I know is qualified to do this).

 

Solicitors needed to draw up your constitution. This can be expensive.

 

I think there would need to be at least 2 full time members to run such an enterprise. I don't think realistically you could rely on unpaid workers as you would be in serious difficulties should they leave the organisation in the lurch.

 

My partner and I have a good knowledge of promotion through media and social media for which we would be prepared to donate some time.

 

Is there a facebook page for CAG? I would be willing to maintain one.

 

Is there a Twitter feed? Again, I can do this.

 

Press releases? I don't have time for these but someone could.

 

A media area on the site? I mean a proper area with all the links to articles published in the media by CAG? Journalists like to bash banks so an easy to use resource of cases like the A&L human rights EU case would be great.

 

None of this is meant to be a critisism, much may have already been considered and rejected for good reasons I am not aware of. One thing is sure. Without a properly resourced fighting group, we will never see our money and the banks will continue to bully the poor and vunerable. The government does not care. The British are too apathetic to bother. An financial education charity is both needed and would, I feel, gain popular support off the back of the fat banker debates raging in all the bars in the UK every night.

Edited by disgruntledofcornwall
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Turning it onto a Charity means it'll come under the regulation of the Charity Comission. Despite all the 'pros' you've highlighted above, this could become an issue further down the road if matters that are considered 'anti-government' start to be raised.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Well most of the large organisations directly challenge government on core policies without any issues, Trident, nuclear power, mental health, anti terror laws, freedom of speech so I don't think this is really an issue.

 

As we all know, the government were complicit with the OFT failure, they guided the OFT to take the course of action which could only lead to the loss of the case. I imagine the (alleged and hypothetical) conversation went something like

 

Banks: Remember all that money you lent us? Would you like to see it again...?

 

Government: Yes, it was hundreds of billions of pounds. The country is bankrupt.

 

Banks: Well you won't unless you drop the charges case.

 

Goverment: Oh bug*er.

 

There is no point in trying to change policy at this stage. Or ever.

 

The fact is that the banks are probably acting unlawfully in the current legal framework. They know it and we all strongly suspect it. There is no need for new laws. The CCA should be enforced on banks for OD's, the UTCCR needs to be enforced. The issue we all face is actually getting enough money to take them to court in the first place and having a sustained barrage of high profile cases so they cave.

 

Then we need also to press more cases where the banks jump out of fast track to the ECHR and get binding judgements under article 6 as Govern have attempted, (in progress).

 

I know a fair amount about how the Charity Commision works and generally they are only concerned with bent directors stealing money from the charity and there appear to be hundreds of them. They are quite busy there.There are costs associated with the audits required but I know someone willing to do that at much reduced rates.

 

I can't personally see that there are any problems with challenging the status quo on financial matters, certainly no where near as contentious as anti terror laws and the RIP bills challenged by human rights charities. I think if we win the cases, the law will be clarified and there will be no need to do any sort of government lobbying. Just my 2p.

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  • 3 weeks later...

Hi, RoadToRecovery.

 

I'll flag this up for Webmaster.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, sisternumber1.

 

I will bring this to the attention of Admin.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sorry, but this is going to sound negative, negative negative.

 

I wish we could send out lots of emails but we don't have the money.

 

To send a bulk email to our entire userbase would probably cost £3000 or more.

 

 

Not sure why it would cost money to send out an email? I used to work for a large PC manufacturer and did the selections to send out the newsletter to about 100,000 customers at a time via a program called Mail King, and it didn't cost a penny ... Was planning to donate once I have over £1,000 worth of charges back that the bank has taken from me over the last 5 years, but the whole process seems so complex that I'm not sure if I'll ever manage to figure it out (e.g. how to calculate the compound interest, which seems to make far more sense than just the standard 8%). I've downloaded the toolbar though if that helps, will have to see how I get on with it.

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Good point fighting for victory ....... and welcome to the forum :-)

 

Doesn't CAG send out an e-mail to everyone who has accessed a thread , to let them know there is another post on it ? I know I get notice every time a thread I have subscribed to has more posts on it ..........

 

Surely those don't cost money or it would be unprofitable to do this ??

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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Just as an afterthought FFV, would these links on Compound Interest be any good to you .............

 

 

 

England - Simple - Excel

England - Simple - Works

England - Simple - OpenOffice

 

England - Advanced - Excel

England - Advanced - Works

 

Or – for the brave – Interest on Interest ...... by bankfodder

 

http://www.consumeractiongroup.co.uk/forum/general/201984-why-let-your-bank.html

 

Explanation of Advanced spreadsheet calculations(courtesy of pete castlebest )

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/180009-about-sar-hsbc.html#post1996894

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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Just as an afterthought FFV, would these links on Compound Interest be any good to you .............

 

 

 

England - Simple - Excel

England - Simple - Works

England - Simple - OpenOffice

 

England - Advanced - Excel

England - Advanced - Works

 

Or – for the brave – Interest on Interest ...... by bankfodder

 

(Can't post links)

 

Explanation of Advanced spreadsheet calculations(courtesy of pete castlebest )

 

(Can't post links)

 

Thanks, I came across the first link yesterday and downloaded the spreadsheets, but I get errors in some of the fields with formulae in them, so maybe it's an Excel/OpenOffice incompatibility (I use the latter). I think though that I've now figured out myself how to calculate the CI - sometimes I just lack faith in myself and tend to panic, until I realise that things aren't that difficult as I initially think ... :)

 

Not going off-topic anymore though, but will be starting my own thread instead.

 

With regards to the CAG toolbar I've got to say though that the only functions that seem to be working are 'Links' (and not all of them - some of them are dead links) and the two 'Web Search' buttons / drop down (which both direct me to Google, which is exactly the same as my start page button already does anyway). My password that I enter under 'Options' gets replaced each time with a much longer one (so 'New messages' presumably doesn't work without being logged in correctly) and the 'Thread' and 'News' drop down menus as well as the long one without a description don't do anything either.

 

Am I the only one experiencing those problems? Cheers.

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