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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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Charges Reclaim


Moggymad
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Hi

After reading the successes of other members of this forum reclaiming penalty charges from MBNA I decided to reclaim the penalty charges that I've paid and would like to share my experience of claiming back charges from MBNA.

On 26th of May I sent off my SAR and a PO for £10 to MBNA requesting a list of charges that had been applied to my account over the last six years giving them 40 days to reply. I got the list of charges on the 44th day, the 9th of July with a letter thanking me for my enquiry and the uncashed PO that I had sent them.

11th July. I sent them a letter that was delivered/signed for on the 13th asking for my charges to be refunded plus the statutory interest. The 14 days they had to reply passed yesterday but as to date I have had no reply from them.

Should I now send the lba or give MBNA a few more days to reply?

Is it normal for MBNA to drag their heels so much when dealing with claims for charges?

Thanks

Jim :-)

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and why only 6yrs?

what about pre 6yrs?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your replies,

It will take them more then 14 days to respond to your claim. I would give them another two weeks.

As long as that :-o I was under the impression that most people got a response within the 14 days even if it was just a confirmation of the claim or the standard rejection of the claim.

 

and why only 6yrs?

what about pre 6yrs?

 

dx

Wouldn't it be statute barred after 6 years?

 

And why only stat int?

 

Why not the higher rate?

 

ims

I did consider going for the contractual interest as well but decided against it as I thought things would have been a bit too complicated. Over the last 8 years I've been on a debt management plan with Payplan and MBNA have changed the interest rates applied to the account so many times I wouldn't know what charge was made at what interest rate, the list of charges I got from them only had the date, description and amount of each charge. Also the spreadsheet that I used would only let you calculate interest at 8% and I've got not idea how I could get it to work with varying interest rates. It's been a long long time since I last used spreadsheets on a BBC model B computer.

 

Jim

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Hi

 

The six year business is covered by S32(1)© Limitations Act 1980. Case Law on this is Kleinwort Benson V Lincoln City Council.

 

Here's a spreadsheet that will do a compound interest claim for you. You can use the average of the rate you were charged or a nominal rate of 24.9% APR.

 

With thsi spreadsheet you enter your APR in the blue section and then you only need to list data in columns A, B and C. Ther rest of the calcs are done for you.

 

Then just change your personal details in the blue section.

 

(That is if you want to use it)

 

Regards

 

ims

 

CISheet.xls

 

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  • 2 weeks later...

Hi

Thanks for your advice regarding the contractual interest and claiming beyond 6 years. I have decided to stick with my original claim as it being the easiest and quickest option for me.

As of tomorrow it will be 28 days since I sent the preliminary letter to MBNA requesting they refund the charges applied to my account. I have had no response whatsoever from them at all so would giving them a phone call reminding them that the deadline has passed and that they owe me money or should I now threaten them with court action?

This is the letter I've put together,

Dear Sir or Madam,

 

Repayment of penalty charges request. Letter before action.

 

 

Account number: ****************

 

 

I refer to penalty charges applied to my account for the last six years amounting to £304.00 and statutory interest of £92.55 totalling £396.55, which I have requested you pay back.

 

 

I wrote to you on 11th July 2011, making the original request for a payment in settlement of my claim. As I have not heard from you, I am writing to inform you I intend to claim the full amount claimed, together with interest up to the date of judgment and court fees in the proceedings through the county court. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive a refund in full.

 

 

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these penalty charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour. As I am sure you are aware, the Office of Fair Trading also stated in its April 2006 statement into credit card charges that it considers charges are at a higher level than is legally fair.

 

 

I have attached a full schedule of the charges and statutory interest with this document.

 

 

If you ignore my request, or you do not respond positively within the 14 day time period, I shall commence a County Court claim against you and refer the matter directly to the Financial Ombudsman and Office of Fair Trading for further investigation.

 

 

Yours faithfully,

Moggymad

Does anything else need adding or removing from the letter?

As they have had 28 days already can I reduce the 14 days to respond deadline to 7 days?

Thanks

 

Jim

Edited by Moggymad
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Hi

 

Letter looks OK to me.

 

Personally I prefer 14 days lba. If it ends up in court the judge would then see that you have been reasonable with your time scales and this will go in your favour. IMHO a 7 day lba is a bit too short.

 

Regards

 

ims

  • Confused 1

 

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Hi again,

Update:

I got a letter from MBNA today and got a bit excited before I opened it only to find that it was one of their template "We are currently investigating your complaint and will issue a response within 28 days" letters dated 26 th July and a copy of the complaints procedure leaflet and not a decision or a cheque that I hoped it would be :sad:

At this point should I stick to the 14 day deadline in the LBA or should I allow them to respond, however long that may take, before I start with the court stuff?

 

Thanks

 

Jim

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  • 4 weeks later...

Hi all,

I've just noticed I've made a couple of minor mistakes on my claim. I have been using a mistyped account number in all my letters, somehow I have been typing 4507...... instead of the correct 5407..... and on the schedule of charges I prepared I have got the date wrong for one of the charges, I've put 2 Feb 2007 instead of 2 April 2007 :doh: Will these small mistakes matter?

On a more positive note I phoned MBNA up today to have a moan about how long it's been taking them to reply to be told a decision has been made and I should get a letter in the next day or so. They have made a partial offer of the difference between the £25 charges and the OFT £12 recommendation plus contractual and statutory interest even though I did state in my initial letter, although it appears to have been completely ignored;

I will not accept partial repayment nor will I accept that the Office of Fair Trading report of 05/04/06 deemed £12 to be an acceptable charge, as it clearly did not.

If you believe that they are not penalties, then will you please demonstrate this by giving me a full breakdown of the costs you have incurred as a result of my breaches, in order to prove to me that your penalties really do reflect your actual losses.

They told me that my remaining balance on the card (£50 odd) had been cleared using the refund and any left over would be paid to me. This seems a bit odd to me because I had not received their offer at the time my balance was cleared, let alone accepted it. Hopefully when I get the decision letter things might be a bit clearer.
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Hi

I received a letter and a cheque today from MBNA that I assume is regarding the charges claim but the letter explains nothing and doesn't appear to be about the charges I asked to be refunded. Here's the letter,

Dear Mr Moggymad

Thankyou for your recent enquiry in connection with the credit balance of £128 on your account. We have pleasure in enclosing a cheque as a refund for this account.

 

I hope this has been resolved to your satisfaction. You may be interested in our on-line banking facility - visit mbna co uk and register to have instant access to review your account.

 

Yours sincerely

MBNA

It's better than nothing but it's not the just under £400 that I originally claimed for. Should I send another LBA etc or just get started with a court claim for the outstanding amount ?

 

Thanks for the advice from everyone who's replied(especially Ims :thumb:) in getting me this far. I will be gladly making a donation to the forum from my "winnings" as I don't think I would have known how to go about the reclaim process without the information and advice on here.

 

Jim

 

Edit: I've just noticed that the letter from MBNA has the wrong account number on it. I don't know what's up with that:???:

Edited by Moggymad
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moggy

 

MBNA will just pay you what they want to unless you decide to push it further.

 

In our case they sent a cheque for £122 against a claim of £1400, when we rejected it, they just sent the cheque again.....

 

Only you can decide the merits or otherwise of taking your case to court.

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Hi

I received a letter and a cheque today from MBNA that I assume is regarding the charges claim but the letter explains nothing and doesn't appear to be about the charges I asked to be refunded. Here's the letter,

It's better than nothing but it's not the just under £400 that I originally claimed for. Should I send another LBA etc or just get started with a court claim for the outstanding amount ?

 

Thanks for the advice from everyone who's replied(especially Ims :thumb:) in getting me this far. I will be gladly making a donation to the forum from my "winnings" as I don't think I would have known how to go about the reclaim process without the information and advice on here.

 

Jim

 

Edit: I've just noticed that the letter from MBNA has the wrong account number on it. I don't know what's up with that:???:

 

Hi

 

Maybe they've sent you someone else's refund?

 

Write back and point out that you believe they have made an error.

 

Regards

 

ims

 

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