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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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      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.

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subsidence and buildings insurance


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I am hoping someone can offer some advice regarding thissituation I have found myself in.

I will try and keep it concise:

-bought my house in 2007 (1900 end terrace) with only themortgage valuation survey (first big mistake)

-re-mortgaged in 2009

Both surveys mentioned evidence of movement which was long-standingand non-progressive and the second survey states that the likelihood of furthermovement seems remote.

A week and a half ago I noticed fresh cracks in the cornerof the lounge ceiling and the cornice. Iam concerned about my insurance policy as when I took it out (2010) I arrangedthe policy over the phone as due to previous movement it is impossible to do itonline. I explained the situation to the advisor who said that as the wordingon the valuation was ‘long standing and non-progressive’, he could offer me aquote and policy. Since these new cracks have appeared, I have become veryworried about the fact I have nothing in black and white to prove I had thisdiscussion with the advisor.

Also, I have had a structural engineers report to find outthe exact situation (he believes it more than likely that neighbours trees arecausing slow-progressing subsidence). He informed me that approximately 40-60years ago a ‘tie-bar’ was put in my house, which I didn’t have an awareness ofbefore. I have since checked my surveys and the tie-bar is mentioned in thefirst one. Obviously I’ve never known what this was- and can’t believe mystupidity in not being more on top of things. I suppose being a FTB and havinglittle knowledge of houses/homebuying, I didn’t realise the significance ofthings. Anyway, the tie-bar is something I haven’t told the insurance companyas I wasn’t aware of it myself until a few weeks ago.

My questions are;

Does anybody know what stance the insurance company arelikely to take if I put a claim in. Will they try and make out that I haveintentionally not disclosed information and therefore void my policy?

If my policy were voided, what would the implications be?For getting more insurance, (after the issue is resolved), and would it affectme getting car insurance? Would the mortgage company be immediately notifiedthat I had no insurance and repossess my house?

If I leave the insurance company out of it, and pay for anywork that needs doing myself, after waiting a length of time then having areport stating that the issue has been resolved, how likely is it that I willbe able to obtain a new insurance policy?

I know I have been incredibly stupid and naïve… however Ibelieved I was being completely honest with the insurance company at the time Itook it out, and thought I had arranged a policy that was valid. I’m justworried that if they don’t have a record of my initial conversation with theadvisor and it they don’t have a recording of the original call I will havenothing to prove I disclosed anything.

Apologies for the long post.

Thanks

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I can understand your worry and concerns about the situation. However, the situation is not as bad as it may seem. My experience of Insurance underwriting having seen thousands of surveys and taking decisions about such risks, is that your situation is pretty standard. The house having been built in 1900 is probably pretty solid and may not require much work to put right the damage that is occurring.

 

As a consumer, when you take out Insurance you can only be expected to declare the information that you are aware of. From what you are saying, there was no previous mention of subsidence. Many surveys will mention long standing and progressive movement, as all properties will be subject to some movement. Having tie bars fitted, is not that unusual either. In the London area, there are many properties that had work done to repair damage done during WW2.

 

Now that you have had a structural engineers report and they have mentioned slowly progressing subsidence, just send the information off to your Insurers and follow the claims process.

 

You should not worry too much about the Insurers voiding the Insurance and refusing to deal with a claim. Just proceed as normal, as if you have done nothing wrong. What you should not do, is speak to Insurers as if you are guilty, by telling them you have failed to declare something. If you do that, they will of course, then probably take your word for it and that you were aware that you had not disclosed something. Until you had the structural engineers report, you had no knowledge of any subsidence issue.

 

What you are doing is panicking and reading more into your situation than is the case. All you need to say to the Insurers, is that you have had a structural engineers report, after seeing a few cracks and they think it is slowly progressive subsidence, caused by trees. That is all you need to tell them. They will arrange loss adjusters and then the claim will proceed. It could be quite slow, as the situation with the trees may need to be resolved first and then there may need to be monitoring of cracks. There may not be any works, as such, until they can stabilize the situation. No point repairing cracks, if they just come back again.

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Agree with UB67 send all details off to the insurance co and see what they say, dont panic until you have to.

I expect there will be a fairly high excess for subsidence, however if the neighbours trees are suspect and they were planted after the house being built then there could well be a claim against your neighbour for not keeping the size/growth of the trees under control.

Wher is the property and do you know the type of soil; e.g. clay. The Engineers report should identify this if strata susceptible moisture levels etc.

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Thank you for the replies.

I think I have been overly negative when looking at the situation but have been thinking worse-case scenario and what might happen. I'm just worried that I have nothing to prove I mentioned the earlier movement noted on the surveys, and now with the news of the tie-bar, have been thinking it might not look good to the insurer. The worse case scenario would be particularly bleak in terms of getting other insurance.

Hearing the views of people who have no doubt far more knowledge and experieeec of these kind of matters has made me feel a bit better about submitting a claim.

The house is in West Yorkshire- I don't know the type of soil- the report doesn't mention it. I guess I will just have to bite the bullet and if it goes wrong... cross those bridges when I come to them...

Thanks for taking the time to reply anyway.

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Hi

 

Uncle Bulgaria is entirely correct. If there is an argument about what you declared when you took out the policy the insurer will have to supply a copy of the recording of the telephone conversation. You may have somewhere amongst your papers something called a Declaration of Fact or similar name which could well record that you mentioned the situation.

 

However it is not unknown for historic apparenty stable damage to start up again as in this casse if the trees taking the moisture out of the soil have eventually caused the movement.

 

My experience of subsidence claims is that the insurers will appoint loss adjusters who will have a surveyors department but these surveyors don't unfortunately necessarily understand insurance!! Buildings yes - insurance no!!

 

Please keep the thread updated as you progress along what Uncle Bulgaria correctly indicates is not a quick fix and if you run into problems we are here to offer advice.

 

I don't know Uncle Bulgaria by the way but a while ago I used to look at this forum regularly and recall that he always gives good advice leading me to beleive that like myself he may well be a loss adjuster

 

Good luck

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Hi again

 

Just seen your last posting and that the house is in West Yorkshire. If it all goes wrong I know a loss adjuster who lives in Baildon and who works for policyholders as opposed to working for insurers who could help but hopefully you will be able to sort it out yourself.

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Thank you so much for your advice. I am going to ring the insurance company this morning to submit a claim... then I will just have to cross my fingers.

Thanks for the recommendation of someone nearby- I'm not far from Baildon. I'll remember that for if things go pear-shaped

 

Thanks again to everyone who has replied and I will keep the thread updated.

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  • 1 month later...

Thanks for all the replies last time. I put the claim in some time ago and a surveyor from an engineer firm came out to have a look. He said that as there had been previous movement, a report would have to go back to my insurers before they could do anything else. After waiting a month and not hearing anything I called them this morning and was told that the case was transferred back to the engineers on the 4th July and that someone will be in touch to carry out investigations. The guy I spoke to also said that these cases take 1-2 years. My question now is; do you think the insurance have authorised the claim totally or could there still be a point at which they could say I'm not covered? many thanks in advance

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All that will happen I expect is that the structual engineer will contact you again to let you know what will be happening next. They may suggest that some monitoring needs to take place over a period, before they contemplate any remedial works.

 

If they don't contact you by the end of next week, if you have the structural engineers details, give them a phone call, to find out what is happening.

 

From what you have said, it all sounds quite positive. If they were refusing the claim and cancelling the policy, they would not have passed it back to the engineer. So sounds like nothing to worry about.

We could do with some help from you.

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These will be the loss adjusters engineers who will probably recommend a period of monitoring with Demec points or tell tales to check for ongoing movement.

The trouble with tress is that when the ground is full of water, there will be not be much movement, and then he converse will be true, so it can take a time to get a pictire of whats going before a solution is proposed. They may well excavate trial holes to expose depth if foundations etc as well.

If trees planted after house constructed then the neighbour could be at fault!

Options can be to remove trees or underpining.

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Thanks again for your replies. I was just trying to get an idea of the process. Clearly it's going to be a long waiting game. I'm just hugely relieved that they haven't refused the claim from the outset.

This forum has been really helpful to me... the replies I received definately gave me enough info and advice to make the decision to claim. Just keeping my fingers crossed now, but thanks.

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