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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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Ppi claim - loan paid off, how to calculate??


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One whole month later, I have a reply in the form of...

 

"Having review the information that you have provided we no longer hold a file for the account you have quoted in your letter on our systems due to the length of time that has lapsed since the closure of your loan.

 

In the meantime, if you are not satisfied with my decision and as I am unable to determine who you can refer your concerns to, please contact the Financial Ombudsman Service."

 

Pretty much along the lines of what I expected them to answer - they're refuting the claim on the basis that they don't hold any details.

 

Any advice on next course of action?

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then send them an agreement copy back !!

 

now get out of that!

 

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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@sillygirl1 Don't think FOS will touch because loan was from 2001 :/

 

@dx The letter I received was in direct response to me sending them a copy of the agreement and copies of the statements showing the payments made to the account, including PPI.

 

Banging my head against the wall... still !!

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they cannot refuse

 

you have the evidence!!

 

 

the FOS will deal as you have all the necessary paperwork

 

nice firm.....

not!!

 

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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or write back

 

so what your system holds no imformation

 

i've kindly included it for you

 

i can find no viable reason on any of the gov't websites/org's that says

even if YOU hold no information, that you should refuse my complaint should i supply what you require.

 

please point me to the ACTUAL legislation that CLEARLY STATES

you can refuse my claim just because YOU hold nothing on me ,

even though i have/can provide it.?

 

 

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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Some very good points there - I think I will write back again stating those points. I think they'll just ignore it though! I still don't know whether to bother writing to the FOS or whether they'll just say it's before their time and they won't deal with it?

 

Do you think I should just write to them anyway - at least it would get the ball rolling there?

 

Cheers

Zak

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ring the fos

 

but dont let up on ge though

one tip

 

dont let the fos go down the broker route

 

clearly state that ge money have coughed when confronted by se 56 cca before

quote cag if yuo wish

 

 

 

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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Ok, I have fired off another letter to GE making the salient points.

 

Do you think this is going to end up in court? I'm not going to back down as it's really frustrating knowing that I was conned out of this money in the first place and I feel like I'm being conned all over again!

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  • 4 weeks later...

Quick update - FOS have acknowledged my complaint but not holding my breath for anything further for a while at least!!

 

The FLA replied almost instantly stating

"GE Money has not upheld your complaint as your complaint is time barred.

Investigation of complaints about older agreements is difficult,

due to a lack of historical information relating to the account.

 

Current guidance permits a firm to reject a complaint without further consideration,

if the complaint falls outside of set time limits.

 

Your complaint is older than six years and has been rejected for this reason.

 

The FLA is therefore unable to investigate this complaint.'

 

I don't appear to be getting anywhere :x

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really?

 

write back to th FLA and politely suggest they look at:

 

the FOS website - there is NO tim limit on PPI reclaims

 

and

WHERE in the statute of limitations does it state there s a time limt?

 

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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Ok, have another update, this time from FOS.

 

'We are unable to investigate your complaint about GE Money (First National). This is because the event you have complained about (sale of ppi) took place on a date before the sale of insurance policies by this firm became covered by our jurisdiction.

It is possible however, that you may be entitled to pursue a complaint against the underwriter (insurer), which provided your policy cover. Therefore you will need to make a complaint to the underwriter. If you're not happy with their response you can then bring the complaint to us using the normal process.'

 

So FOS haven't gone down the broker route, they've gone down the insurer route instead. I did as you said dx and stated clearly on my complaint that GE had paid out on se 56 cca before but I suppose that doesn't matter because as they said, they weren't under their jurisdiction at that time.

 

Again... any thoughts much appreciated :-)

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yep

 

fla time them

 

they cannot just brush off your complaint becuse they say its time barred....its not!

 

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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I've already wrote to the FLA again stating that it's nonsense about being time barred (or words to that effect) and am awaiting their response - what do you think about going after the insurer? How would I even find out who the insurer was as I don't have the PPI paperwork?!

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Ok, I have a nice prompt rebuttal from FLA and it goes like this..

 

"Code of practice: GE Money Home Finance Ltd

 

Thank you for your most recent letter received 11 May 2012(it was acually dated 1st June?).

 

Firstly, I would like to point out complaints relating to an individual the FLA Consumer Code of Practice will apply.

If you have references to indicated the FLA Consumer Code has been breached,

please let me know as soon as possible. (Not entirely sure what they mean by this paragraph???)

 

GE Money has not upheld your complaint as your complaint is time barred.

More details about the FSA time barred ruling you could contact them direct at the following address: Blah.

 

If following your correspondence with the FSA you reveal any further information which indicated that your complaint is in fact not time barred.

Please contact the FLA and I will address this with GE Money.

 

The FLA would suggest that you seek independent legal advice.

Additionally you could consider contacting your local Trading Standards office or the Citizen Advice Bureau.

 

I am sorry that in this instance we have been unable to help."

 

AGH... I have the copied the letter as is and the incorrect usage of the English language and the grammatical errors make my blood boil. :x

 

But moving on, any advice??! :-)

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dear sir

 

i am rather confused.

 

Are you saying that my PPI reclaim against GE Money is time barred?

 

if so please quote SPECIFICALLY where your are getting this information from?

 

On the FOS website, it clearly states PPI reclaims are NOT covered by the statute of limitations

as the 'clock start' is when the reclaimer became aware he could reclaim.

 

Due to media coverage i was not aware i could reclaim until very recenty, hence the claim!

 

disgruntled customer

 

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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Yes, I had effectively said that in the previous letter.

 

I have written to the FSA for written clarification as on their website it states..

 

"As well as providing guidance on the content of the customer contact letters, the FSA is also clarifying when and how firms might decide that a complaint is ‘time barred’.

 

Normally, customers have six years from a sale to complain or, if later, three years from when they became aware (or ought to have become aware) that they had cause for complaint. When a complaint is made outside this limit, the firm is no longer obliged to consider it and can reject it; the Financial Ombudsman Service may also dismiss a complaint made outside these time limits."

 

I will then copy their response back to the FLA. It is very ambiguous in so much as, in one breath they are saying that the company are no longer obliged to consider it yet in another they are saying that I have 3 years from when I became aware for it to be considered. Now either they are saying that I can claim and the company has to make redress, or they aren't. :???:

 

Seem to be on a perpetual merry-go-round!!

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