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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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    • 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 
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    • 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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Who thinks what LBL do is Harrasement?


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Any solicitors like to sue LBL

Long Storey Short.

LBL took me to court, I won. Judge says I’m due Compensation.

So many variables are capped. However harassment isn’t I don’t believe.

Any solicitors like this idea?

Judge stated I need a solicitor for this element of the case, presumably to maximise my claim.

LBL case purely built on, abusing the system.

Who do you recommend? Who would like to? Who thinks what LBL do is Harrasement?

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Hi JGG,

 

I am a little confused, correct me if I am wrong, but my understanding from your previous postings, was that your case was not contested by LBL at court, and that LBL wanted to drop their claim against you,before the court hearing.

Subsequently the judge asked both you and LBL before him, to formally drop the case and to come to a mutual agreement to settle. If not, he will ask you both before him, to explain why you have not been able to agree a financial settlement as ordered.

 

That is why, I believe, he advised you to get legal representation, in order to get the settlement agreed between the two parties.

 

If my assumptions are correct JGG, than why are you asking "Any solicitor like to sue LBL"? As there is no outstanding legal case to hear? But just a mutual settlement figure that needs to be agreed between the two parties?

 

On the basis of the above, it would appear that you just need advice as to the value of a figure to take in to account your claim of the harassment element.

You need this, in order for yourself or a solicitor to put together a structured figure for LBL to consider that you would be prepared to accept as a final figure, as part of the total compensation package for LBL dropping the case, is that correct?

 

Just my penny's worth JGG, hope it helps. I am sure there will other caggers along to offer further advice.

 

Hip_Hop

Edited by Hip_Hop
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Hi JGG,

 

I am a little confused, correct me if I am wrong, but my understanding from your previous postings, was that your case was not contested by LBL at court, and that LBL wanted to drop their claim against you,before the court hearing.

Subsequently the judge asked both you and LBL before him, to formally drop the case and to come to a mutual agreement to settle. If not, he will ask you both before him, to explain why you have not been able to agree a financial settlement as ordered.

 

That is why, I believe, he advised you to get legal representation, in order to get the settlement agreed between the two parties.

 

If my assumptions are correct JGG, than why are you asking "Any solicitor like to sue LBL"? As there is no outstanding legal case to hear? But just a mutual settlement figure that needs to be agreed between the two parties?

 

On the basis of the above, it would appear that you just need advice as to the value of a figure to take in to account your claim of the harassment element.

You need this, in order for yourself or a solicitor to put together a structured figure for LBL to consider that you would be prepared to accept as a final figure, as part of the total compensation package for LBL dropping the case, is that correct?

 

Just my penny's worth JGG, hope it helps. I am sure there will other caggers along to offer further advice.

 

Hip_Hop

 

Hi Jollygreengiant

 

Nice idea of yours to come on the forum looking for a solicitor - I thought there were quite a few on here - maybe they will come along soon?....

 

In the meantime; HipHops summary of your case is correct as far as I can gather......

 

You can of course 'cut to the chase' by contacting a 'legal draughtsman' - these guys are the experts that solicitors go to to assist with drawing up the 'actual' costs of taking the claim to court.

 

These guys specialise in wording and costing out what you will have spent and will also know what the likely costs of a claim for harrassment would acheive and they would input a figure into the claim for you.

 

They charge around £250 - £500 - you simply send them a copy or a synopsis of the case you made against the lender - they will draw up a proposal along with a spreadsheet of all your costs to include your time and expenses - the overall charge they make will depend on how much work they have to do for you - but the good thing is.... their costs are recoverable from the lender as well as yours : )

 

Google 'Legal Draughtsmen' for your area and get in touch with one.

 

Hope this helps?

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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The £250 - £500 is the retention charge they may make - but you can negotiate this figure with them - afterall - it's not as though your asking them to win your case for you - You've already done the hard work - they know they will get paid on this one!

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Dear Hip Hop

 

You have summarised it perfectly.

 

I believe that any legal expenses are then covered.

 

 

I believe this is a way of getting someone interested in this area of the law to make themselves known.

 

Thanks JGG,

 

I am no expert but you may need to clarify the situation on legal costs. Did the judge not give the parties directions on legal costs previously?

 

On your point of getting someone interested in this area of law to make themselves known. That is not my understanding how solicitors/legal practices generally operate.

 

Normally, once a lsolicitor qualifies after they have successfully finished their articles/ training, generally in a variety of legal disciplines to give them a flavour of the differnt types of legal work on offer, they then elect to either specialise in an area of the law, say Litigation. This could be in one of the many subs of the Litigation umbrella, family, divorce, debt, immigration,Marine, employment in other words Commercial or Civil Litigation.Or, they could go into Conveyancing, ie Commercial or Residential property. Or Company Law or Private Client (Trusts and Probate) or indeed another area of the law, that I haven't listed. They can combine a mixture, deciding to focus on those areas to pick up expertise and a reputation as specialists in those areas such as high profile Divorce work or child custody cases or Criminal, all areas under the Litigation umbrella.

 

The Bills of Sales issues that appear on this forum, would not generally, of their own accord, be large enough for a solicitor to uniquely specialise in.

 

Normally solicitors who specialise in Bills of Sales tend to be associated with legal matters pertaining to larger securities like ships etc. The log book loan companies that have sprouted up tend to loan small amount in comparison to individuals who are usually, at last resort stage, unable to seek legal redress because of limited financial resources. Not the small (in comparison) to the main group who like yourself have had a car bought in good faith seized but with a BOS attached. So they would not ordinarily be the sort of target market that a Solicitor would be looking to attract.

 

I hope that makes sense?

As always, this is just my opinion and me giving my penny's worth. I will always bow to those with greater knowledge and expertise if I have erred in my info.

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HH as always thank you

The judge was pi$$ed with LBL.

LBL won the initial case, as they served to the wrong address.

Hence the order to hand over my car.

I asked for a set aside motion.

I had to obviously submit written proof as to why the motion should be set aside.

LBL decided not to fight my Motion & removed their claim to my car.

The Judge stated that if they had fought the case in his opinion they would have been unsuccessful.

He commented that my summation was clear & very well researched.

Motion to set aside granted.

All claim to the car by LBL removed.

We are to agree a settlement for losses & expense between us or it will be back before him for his determination. This is when he advised to get a solicitor.

He felt many would work this no win no fee. I guess as it is a guaranteed success!

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Dear All

Update. LBL have written 2 letters today.

First offering a settlement cost of Court fee plus 30 hours of work.

Second damages. They want evidence is there of a loss? Any ideas?

 

Hi Jollygreengiant...

 

In my opinion - They are having a 'laugh' (although I can imagine their loose change must be running out - ha, ha, ha)

 

They are offering you less than £500 I presume for your effort?

 

You can take my humble advise or leave it - but; that would in no way cover your expenses or your time spent and is no where near what you could be getting from them as a settlement - they can afford to pay you loads more than that - don't be short changed - go for an amount in the £1000's x 2 or 3 or more - the ball is in your court NOT theirs :-D

 

I posted earlier - you can get a legal draughtsman involved; their costs would be chargable to lbl - Please tell - is there some reason why this advise is of no use to you?

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Oh by the way....

 

Proof of the loss at this stage - is the Judges order that they 'settle' the case by arbitration or come back before him -if they let that happen - then I think; the Judge will happily spell it out for them : )

 

Apple

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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I posted earlier - you can get a legal draughtsman involved; their costs would be chargable to lbl - Please tell - is there some reason why this advise is of no use to you?

 

 

Dear Apple

 

Your advice is excellant.

 

I am very appreciative. I will be getting on the ball, just been so busy with an item that part 6 concluded yesterday.

 

Now onto this. AAAAAAAAAAAAAAAAAAAA

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I have another thought?

 

As LBL have admitted fault, who can think of losses to claim for? Sols only interested if claim over 5K.

 

To start the ball rolling:

 

Time of work

Nightly research

 

Depretion of vehicle, as I can show via dash vehicle not used

 

Loss of use?

 

Anyone else got any?

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I have another thought?

 

As LBL have admitted fault, who can think of losses to claim for? Sols only interested if claim over 5K.

 

To start the ball rolling:

 

Time of work

Nightly research

 

Depretion of vehicle, as I can show via dash vehicle not used

 

Loss of use?

 

Anyone else got any?

 

Hi Ya

 

You could include any or all of the following:

 

All communications sent to the lender via telephone or letter/fax

communications with the Court via telephone, letter/fax

Time spent reading/researching the various Acts of Law

Travel costs to and from hearings

Parking costs to and from hearings

Time spent drawing up your claims/defences

Issuing the claim/defence costs

Time spent completing Allocation Questionaire etc

Time spent researching case law

Time spent internet searching for information

 

Essentially, anything at all that you have had to spend time doing in order to effect the case and bring it to conclusion should be listed and set out and sent to the lender.

 

Each element needs to have an amount of 'time' and/or an actual cost associated to it.

 

i.e

 

1. communications with Lender from 01/09/09 to 03/11/10 - 16 hrs @ £9.25 £148.00

 

2. Research CCA 1974 - 100 hrs @ £9.25 £925.00

 

3. Parking - hearing at xxx Court 5 hrs @ £3.00 £15.00

 

There is a form on line that will guide you - google 'Form and contents of Bills of costs' - you should find this useful.

 

Depreciation costs is quite another ball game - if the court has awarded or indicated that you can claim this - then do so; I would proffer that you consult the 'glaciers guide' and check to see what the cost was 'then' and likely cost 'now' on the vehicle to get some idea of how much you could claim.

 

Hope this helps for now?

 

Apple : )

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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