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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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Re-claiming all my charges and PPI from Capital one-next move please


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I have decided to try and get back all my £12 charges from Cap1 along with a small amount of PPI that I never needed.

 

I have already received all the info back from them, and I sent off my separate claims letters 3 weeks ago, one for £550 of charges and another for £150 PPI.

 

How long before I escalate this claim and what would be the best way forward, FSO or court?

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Charges claims and PPI claims are separate things.

 

For the PPI they will have 8 weeks to investigate and give you a decision before you can pass it to fos. Did you do a spreadsheet and fos questionnaire?

 

For the Charges claim you should have done a spreadsheet and sent a preliminary letter giving them 14 days. With charges claims you control the time-line and it is likely that you will need to issue on court to get those charges back

 

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Charges claims and PPI claims are separate things.

 

For the PPI they will have 8 weeks to investigate and give you a decision before you can pass it to fos. Did you do a spreadsheet and fos questionnaire?

 

 

Didn't do the fos questionnaire as I thought that was after rejection, should I have sent that with the letter then?

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I would at least send a fos questionnaire bu in you rletter submitting it make sure you reference your previus letter so they don't think its a new claim.

 

Process for claiming...

 

PPI

 

fos Questionnaire + Spreadsheet + Brief covering letter to lender.

 

They have 8 weeks to investigate and give decision.

 

If the uphold - great

 

If they don't uphold continue to press or pass to fos

 

CHARGES

 

Spreadsheet of claim and preliminary letter go to lender giving, say, 14 days to cough.

 

If they don't then send "Letter Before Action"

 

If they don't cough then issue in court.

 

 

It's all here in the bank and PPI forums and it is a big place so a lot of reading will be needed

 

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OK, thank you very much for your help.

 

Just one quick question.

You do mean sending the FOS questionairre to the lender and not to FOS don't you?

Why do we send to lender and not FOS?

 

That's what's confusing me I think!

Edited by wakeywakey
Thought another question
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  • 4 weeks later...

They wrote back today saying all charges were fair and that they would robustly defend any claims.

 

I read on here somewhere a thread where someone gets a roasting off the judge for taking these guys on.

 

Should I really sue them or take the FOS route?

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OK, thank you very much for your help.

 

Just one quick question.

You do mean sending the FOS questionairre to the lender and not to FOS don't you?

Why do we send to lender and not FOS?

 

That's what's confusing me I think!

 

Fos questionnaire goes to the lender because it outlines your complaint against them and they must be given a chance to investigate under FSA rules

 

They wrote back today saying all charges were fair and that they would robustly defend any claims.

 

I read on here somewhere a thread where someone gets a roasting off the judge for taking these guys on.

 

Should I really sue them or take the FOS route?

 

Very, very, very unlikely that fos will find in your favour on a charges reclaim because they don't take into account legalities. The courts do.

 

The charges claim is all about the charges being unlawful and that because they do not represent a true reflection of the actual cost/loss to the lender then they are a penalty and thus unlawful.

 

Very easy to pick a case that failed but have you seen all the ones that have succeeded?

 

Your call of course but you won't get Cap1 to cave in without court.

 

AS we always say, preparation is paramount.

 

ims

 

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  • 4 weeks later...

Some of the on-line applications had pre-ticked boxes.

 

You can write back to them and dispute their findings. Ask them for evidence that you selected the PPI and that it wasn't a pre-ticked box.

 

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You send copies of everything to and from the lender to fos i.e a copy of the original questionnaire and any letters and notes that you have about the matter.

 

Alternatively you challenge the lender yourself.

 

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  • 3 months later...

Can anyone who has taken Capital one to court over unfair charges, let us know what their stance has been.

 

Seems they have now started to defend ALL cases, and they DO turn up at court.

 

I think all of us chasing them for these charges should be made aware of this, as I don't think it is very obvious reading the forum as a whole.

Not saying, not to chase them, but you must be prepared to go to court for your money back.

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Think you will find all banks are defending now. Could be due to the OFT ruling being 6 years old now so they are no longer defending the big charges.

 

Totally agree with you that forums maybe using historic wins which isnt what is happening now. Have been knocked back by all the banks I have tried. My only option if I so choose it now is to use the courts.

 

And that isnt what you are led to believe when you first start

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Whatever bank it is there is no certainty in any of this.

 

If you have a read around the forums there are both wins and losses.

 

To stand the best chance of success the advice would be to prepare, prepare and prepare again.

 

Also know your stuff about the limitations act and interest in restitution if that is what you are claiming.

 

You also need to understand why these charges are unlawful and why they are a penalty.

 

The hurdle then is to be able to potentially do battle with a barrister.

 

There is always the "Judge Lottery" to contend with too.

 

Do not be led into thinking that reclaiming via the courts is an easy thing......it can be but be prepared for a proper legal fight.

 

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  • 3 weeks later...

Well, I went down the Ombudsman route, and had the obvious NO reply.

I still don't understand how they can charge me twice for one mishap, once for default and one for over the limit, so 2 x £12 and the ombudsman says that is fair, yet it says it's not fair if they charge over £12.

 

I'm not confident enough to take on a judge so I've given up!

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  • 2 weeks later...
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