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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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

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Hi, i need to no if were i stand and if i being o.t.t. but i taken a cash genie loan

 

on12/02.2012 for £200 the month i had a rollover charging me £75 and the same in aprial as i just could not afford 275 at the time after being put on the short time at work also begin a single parent of 3 indepents

 

then to be put on the sick i rang cash genie on the 22nd may agreeing once my fiances had been sorted via with job center

 

i will be able to set a payment plan up with them telling the adviser that i will need up to 3 weeks as as its the jubilee bank holidays and well jobcentre /income support don't rush really ,so any way me not even relising that i had a payment Friday 1st of June until i had a letter on the Saturday stating that i had a payment in to my bank

 

before i could even look at my accounts cash genie had put a e mark on my account leaving me with nothing after calling them also being spoken to like i was a nobody explaining that i have no electric gas and no food being told thats not there problem the only way i can have a refund is to send 1 months of bank statments

 

so i did this heard nothing so wednesday6th june i rang bank asking to stop this payment as it was haning in my account but not able to touch it the reply i got from the bank was nothing we can do untill payment as gone

 

so then i went to cash genie website and placed a complaint i have now recieved a email from them stating they need to see bank statments but why i have sent them already as i was so upset with tsb i switch accounts and have no statments to show gash genie who from the feb 2012

 

uptill today have had nearly £500 for a £200 loan do i sit and just except this as i did take the loan out or do i stick to guns as i did ring and explain my situation them just not giving me the time to sort anything out let alone comfirm payment plan ,

 

i have emailed cash genie again saying pay half the loan back and for the rest of the paymen ill pay instulments no still not good enough am i within my rights ???

Edited by honeybee13
Editing in some spacing for ease of reading.
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  • 1 month later...

personally, i would report this to the police get a crime number and take it to the job center they should reimburse you. also i am pretty sure that if you show cash genie your bank statement they'll give you the money back because it is 95% sure they cannot take your benefits. if all else fails send the crime number paperwork to cash genie aswell and demand your money back.

 

if all that fails or you need money now go and get a crisis loan or ask to see a hardship advisor from job center.

 

also complain to oft, fos and write a letter to your mp.

 

 

i hate things like this and if i had my way i would go to their office and unplug every computer and telephone they have. i would literally close their business for them for a day.

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Never show a pdl bank statements. Thats just asking for trouble.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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What is an 'e mark'? Anyway what you need to do is change your debit card and change your bank account number if that is possible. Sadly it seems the only way to stop these companies helping themselves to whatever they like is to alter all your details. Report card lost and get a new one - ask the bank to give you a new account number. Reasoning with CG is a waste of breath - so take positive steps to stop them.

 

If they want money from you they can take you to court to get it. And that will take years - if they ever bother. If they do, the judge will award them something like £2 per month, so they would rather bully you.

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Thanks for all your advice guys but 6 weeks down the line and all i gat is

 

07/06/2012 12:57pm - Cash Genie Response

Dear Ms Morris,

 

I fully understand your position and note that a copy of your bank statement has been requested.

Upon receipt of the above I can then investigate it further and look to offer a refund if required.

 

Regards

 

Paul

 

Dis gracefull thats all i have to say and i have learnt by mistakes NEVER LEND FROM A PDL i have sent a letter to to FOS and cash genie so hopfully cash genie will be stopped over charging people on a low income e.t.c.

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Do NOT send them a bank statement. Ill write you a letter to reply to them in the morning.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Here ya go. Edit the things in red to suit yourself.

 

 

PDL name: xxxxx

 

Account reference: xxxxxxx

 

Dear Sir/Madam,

 

I write to you in respect to the correspondance from you to me, dated 07/06/2012 at 12:57 pm

 

Please note, that under no cirucmstances will i ever show you a copy of my bank statement. As i am sure you are well aware, this request from yourselves breaks the Data Protection Act and borderline breaches OFT guidance on debt collection.

 

However, i will come to a compromise with you on your request. I will send you a COPY of the specified transaction ONLY. I will not send the statement. You may then match it up with your own records in order to refund me money that is rightfully mine.

 

Please find a copy of the transaction enclosed with this email/letter.

 

As this issue has now been going on for a while, i expect your prompt response and my refund within 7 days from reciept of this letter, otherwise i will have no choice but to start filing formal complaints with the regulatory authorities.

 

 

Sincerely

 

xxxxxx (Do NOT sign. Just print your name)

 

 

If you send it by snail mail, make sure you get proof of posting or recorded delivery.

 

If you send it by email, make sure you CC it to yourself and/or request a read receipt.

 

As i stated in the letter, they have absolutely no need for a statement. All the need is the transaction. So take a screenshot or scan a copy of your statement, and then simply cut the relevant transaction from it in a program such as mspaint.

Put it into a new file and print it out, or attach the new image to your email. If you are wary of doing that, just copy and paste it directly to your letter.

 

Ensure that it doesnt show your current account balance, sort code or account number. ALl it needs to show is the date/time of the transaction, the transaction ID, merchant name, and amount.

 

That is all they need. If they are still adamant they require a full statement, let me know and i can advise on what to do next.

 

Let me know if you need any more help.

Edited by renegadeimp

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...

Create a new thread and give as much detail as possible.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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