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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with preparing a court bundle?


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Hi

 

Although I am still waiting on a court date, I am trying to prepare early, but as a complete novice at anything court related (almost - ahem...), I'm having trouble wading through tons of pdfs and web pages..

 

I read jonni2bad's bundle

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/3962-jonni2bad-halifax-off-court-6.html

 

It looks great, and I imagine pretty scary for the bank (almost as if I know what I'm doing), but I'm not sure which bits relate to credit cards alone, and don't apply to current account charges.

 

Also, Which particular sections of the various acts are most relevant. Anyone know any paragraph numbers etc?

 

I'm not just being lazy here (honest), but these legal documents can be pretty brain melting stuff. And I'm a rocket scientist.

Paid fiver for statements 10/03/06

Prelim. letter sent 18/03/06

Reply received 21/03/06

L.B.A sent 03/04/06

Offer received 10/04/06

Offer rejected 09/05/06

"court it is then" 16/05/06

Acknowledgment 05/06/06

Defence Filed 03/07/06

Allocations questionaire filled in

Awaiting Court date...

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Nice one, cheers for that.. Lets hope I get better marks than I did in school!

 

I was thinking of writing a letter to Barclays asking them to justify the charges, and requesting a breakdown of where 35 quid goes. Generally just badger them about a bit. I'd like to present their non-commital reply to a judge. Is this ok at this stage ie waiting for a court date?

Paid fiver for statements 10/03/06

Prelim. letter sent 18/03/06

Reply received 21/03/06

L.B.A sent 03/04/06

Offer received 10/04/06

Offer rejected 09/05/06

"court it is then" 16/05/06

Acknowledgment 05/06/06

Defence Filed 03/07/06

Allocations questionaire filled in

Awaiting Court date...

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Some links here....

 

2. Authorities

 

 

...........Description .................................................. .............No. of pages

(AA) -- Copy of bank statements supplied by HBOS following (A) - 91

(BB) -- Copy of spreadsheet supplied with claim detailing specific dates

and amounts as requested for refund - 1

(CC) -- Data Protection Act (1998.) - 53

(DD) -- Data Protection Act (1998.) Schedules - 53

(EE) -- Unfair Terms in Consumer Contracts Regulations (1999) - 10

(FF) -- The Supply of Goods and Services Act (1982) - 13

(GG) -- Unfair Contract Terms Act (1977) - 9

(HH) -- Office of Fair Trading Report April 2006 (OFT842) - 35

( II) -- House of Commons Early Day Motion (EDM 2227) - 1

(JJ) -- House of Commons Select Committee on Treasury

Second Report: ‘Transparency in charging’ - 10

(KK) -- Report by Kendall Freeman on Liquidated Damages (May 2005) - 3

(LL) -- Case Law Reference: Dunlop Pneumatic Tyre Co Ltd

v New Garage & Motor Co Ltd [1915] AC 79 - 2

(MM) -- Case Law Reference: Alfred McAlpine Capital Projects Ltd

v Tilebox Ltd [2005] EWHC 281 (TCC) - 2

The Claimant will also make reference to the following case laws;

1. Murray v Leisureplay [2005] EWCA Civ 963

2. Wilson v Love [1898]

3. Lordsvale Finance PLC v Bank of Zambia (1996) QB 752

4. Bridge v Campbell Discount Co. Ltd. (1962)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 1 month later...
  • 2 weeks later...

hi mollyhannah,

 

i had to laugh at the post, i am currently doing my court bundle also! and i feel the same way.... god there is loads aint there! and totally confusing!

 

but if it helps, i have been told that you need it all! and yes there is loads. and dont forget you also need a court bundle for the judge and the banks solicitors! so make sure you have loads and loads of paper and ink!

 

best of luck to us both eh!

 

lisaxx

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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  • 2 months later...

Do I just print these straight off the websites? Then when I'm putting them together what do I need to do? I am very confuzled! Also...is House of Commons transparency in charging relevant to current accounts? Please somebody help me!

I speak whilst buried under a pile of paperwork!:confused:

Fight one more round. When your arms are so tired that you can hardly lift your hands to come on guard, fight one more round. When your nose is bleeding and your eyes are black and you are so tired that you wish your opponent would crack you one on the jaw and put you to sleep, fight one more round - remembering that the man who always fights one more round is never whipped.

James Corbett

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Thanks Karne. I can't open Bookworms link on my work computer though...reason is coming up as: Banned extension: .zip

Don't know if any way round that?

Fight one more round. When your arms are so tired that you can hardly lift your hands to come on guard, fight one more round. When your nose is bleeding and your eyes are black and you are so tired that you wish your opponent would crack you one on the jaw and put you to sleep, fight one more round - remembering that the man who always fights one more round is never whipped.

James Corbett

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If you are on a work computer, they sometimes block zip files as they could be carrying virus's in them.

 

If you're not on a work pc, then just google winzip and download the latest version and that should do it!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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Thanks Peter! I will track down a friend with tinternet access and do just that! :)

Fight one more round. When your arms are so tired that you can hardly lift your hands to come on guard, fight one more round. When your nose is bleeding and your eyes are black and you are so tired that you wish your opponent would crack you one on the jaw and put you to sleep, fight one more round - remembering that the man who always fights one more round is never whipped.

James Corbett

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Please help i am about to put my claim in because Abbey have told me the charges are fair and in line with other banks/building soc. I am trying to get my head around the court bundle and the daily interest. Do I use the whole figure Abbey owes me which is 3245.00 with the date my first charge was taken in 2000. I calulated the 8% interest on the spread sheet on the web site last week to I need to do it again this week to get a more recent figure. I am feeling a bit nervous but also annoyed due to abbeys response, please help so as i do not make any mistakes. My 2 wk deadline was yesterday i want to file claim by friday. Is it okay to just use transcipts of Mcnamara radio interview and also the Money program. Look forward to hearing from someone.

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  • 2 weeks later...
Please help i am about to put my claim in because Abbey have told me the charges are fair and in line with other banks/building soc. I am trying to get my head around the court bundle and the daily interest. Do I use the whole figure Abbey owes me which is 3245.00 with the date my first charge was taken in 2000. I calulated the 8% interest on the spread sheet on the web site last week to I need to do it again this week to get a more recent figure. I am feeling a bit nervous but also annoyed due to abbeys response, please help so as i do not make any mistakes. My 2 wk deadline was yesterday i want to file claim by friday. Is it okay to just use transcipts of Mcnamara radio interview and also the Money program. Look forward to hearing from someone.

 

Hi, masally

 

Don't know if anyone else has answered you already but here goes anyway!:)

 

You're getting somewhat ahead of yourself and worrying unduly.

 

The court bundle doesn't come into play for a long time yet (if ever): you have plenty of time to get your head around it. Don't bother with the McNamara interview at this time: you're only looking to file a claim.

 

Take the time to read the FAQs and the step-by-step guide and you'll find your questions largely answered. But:

 

you should enter each item on your spreadsheet individually, with date and details. The interest will be automatically calculated up to what ever date you have put in your 'date of claim' cell. To get a more recent figure, simply enter a more recent date: it will do it all.

 

Why not start your own thread, where you can put everything down? You'll attract a group of people who will be willing to help you - and to learn from you as you go along.

 

Best wishes

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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goto templates library for the letter befor action, read threads for woolwich & barclays ( my claim is woolwich but follows exactly barclays proceedure). The Welshmans thread is good as are sooooo many more. yes definately send another letter to show how reasonably you are acting throughout but give them just 14 more days before you proceed "without further notice"

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Hi, Nichola

 

If you're only just at the stage of filing your claim, don't get ahead of yourself. The court hearing - if there ever turns out to be a court hearing - is months away and you won't need the bundle till two or three weeks before.

 

Focus on getting your N1 and particulars of claim right. That's the priority now. By the time you've filed our allocation questionnaire, your confidence will have risen enormously.

 

One step at a time.

 

And one of those steps should be to start your own thread, where you'll be able to keep all your concerns in an easily-accessible place!:D

 

Best wishes

 

Westy

  • Haha 1

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi, Andy's MUm

 

Sorry - I haven't got this notification of posting till just now.

 

The best guide to filling out the AQ is here(http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html)

 

 

Come back if you have any problems with it.

 

Best

 

Westty

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Oh, b*gg*r. the link isn't working.

 

Go to the bank templates library. Scroll down the page below the Announcements. Scroll past the steps 1 to 6 block: you'll see another fat horizontal divider. the allocation questionnaire guide is the first thread below that divider.

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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hi mollyhannah,

 

i had to laugh at the post, i am currently doing my court bundle also! and i feel the same way.... god there is loads aint there! and totally confusing!

 

but if it helps, i have been told that you need it all! and yes there is loads. and dont forget you also need a court bundle for the judge and the banks solicitors! so make sure you have loads and loads of paper and ink!

 

best of luck to us both eh!

 

lisaxx

Hi Lisa

Well I am getting my Lloydstsb bundle ready. Can I include media print offs and anything else from the bank folder etc to do with charges? Do I need to highlight in the various laws etc sections I will be referring to just on my copy or on the solicitors and judges also?

Thanks

veb

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So long as you copy everything twice - once for the Court and once for the Defence - I see no reason why you shouldn't include as much as you wish.

 

I would suggest that it's relevant, though. Recipes and photos of Tom Cruise's wedding probably won't cut much ice.

:D

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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