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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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    • 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
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    • 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

Wonga Payment Due


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Hi,

 

I am due to repay my Wonga loan tomorrow. I cannot afford to pay this. I cannot even afford the loan extension payment. I have nothing. What should I do? Should i contact them in the morning or do nothing? Are they likely to bombard me with phone calls? I do not want that if I can avoid it as id rather my family never knew about this. Any advice would be appreciated?

 

Thanks

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Hi,

 

I am due to repay my Wonga loan tomorrow. I cannot afford to pay this. I cannot even afford the loan extension payment. I have nothing. What should I do? Should i contact them in the morning or do nothing? Are they likely to bombard me with phone calls? I do not want that if I can avoid it as id rather my family never knew about this. Any advice would be appreciated?

 

Thanks

 

 

Hi

 

I would email them and explain you can't afford to pay the loan back but instead offer them X amount per month until its paid off.

 

I did this and they froze all interest and I had it paid off in 4 months.

 

I wouldn't worry too much about it, have a look through these forums and you'll see more and more people are in this situation and it gets sorted easily :-)

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Hi Lizzy,

 

Thanks for taking time to respond. Do you have an e-mail template you reckon i should use or should I just try put something together?

 

Stewart

 

I havnt sorry, all I wrote was basically I didn't have the money I though I would have, and that I was 100% willing to pay what I owe etc

 

I owed just over £1000 and I offered to pay it over 6 months and they were fine with this and set up a payment arrangement for me. They also froze all interest, provided I stuck to the payments.

 

If you search for wonga, or payday loans on here, you'll find loads of useful info regarding setting plans up and templates you could use.

 

I had gotten to the point where I borrowed money, got paid, paid wonga back, and then had to borrow again to get through the month, after a few months I couldn't even pay it back when I got paid!

 

I wish I'd known how easy it is to sort !

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Thanks again. I have tried this for starters. I'll let you know the response

 

To Whom It May Concern

 

I am due to make a loan repayment on my Wonga Loan tomorrow, Sunday 21st October. The original loan was taken out on Wednesday 29th August for £568. I made a repayment of £124.29 on the 20th of September which extended my loan repayment date until 21st October. Unfortunately I am now in a position where I am unable to make a payment on the 21st October. I cannot even make a payment to extend my loan for another month, I simply do not have the cash due to me having various debts that I am struggling to pay off. I currently cannot afford to pay the £760.43 i now owe Wonga. I do not dispute this debt and would like to pay this debt off on full but would appreciate if Wonga would be able to assist me in this by freezing interest and charges on the account. I would like to offer £50 per month towards this debt until it is paid off, i cannot afford anything else at the moment. If my financial position changes I would be happy to pay more with a view to getting this debt paid off quicker. Can I please be contacted by e-mail on this issue

 

Any help with this on Wonga's part would be appreciated

 

Kind Regards

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The Snake.

Just a bit of info for you.

 

I had the same predicament as yourself some months ago.

 

I found that Wonga were a bit slow in answering the email that I had sent them.

 

I phoned them up.

 

They told me to phone back before 5pm on the day that the payment was due.

Then they would discuss the matter with me regarding a repayment plan.

I know people will advise you not to phone,

but it is far quicker to sort things out.

 

After you have arranged a repayment plan,

they will send you an email containing a list of the dates that the payments are due.

But YOU MUST get this email,

as it is proof that you have arranged a repayment plan.

 

Wonga did tell me that they cannot set up a repayment plan until the date which the money is due,

 

something about breach of contract.

 

You also have to phone before 5pm,

otherwise extra charges might be applied.

 

They seemed very understanding.

I wish you luck.

 

Keep us informed of the outcome.

 

Regards,John.

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Ive never had a problem with Wonga. My original debt was 301, i moved my money out the account as i couldnt afford to pay it so i defualted on it. I left the account with money with a balance of zero as i know they make several attempts if they cant take it the first time,... all month it was empty. when i transferred some money over for council tax at just before midnoght on a sunday....council tax direct come bk returned because wonga took it first.f**kers! So i sent letter with 50 quid postal order to wonga which they took 2 weeks to credit and then i emailed saying i cant pay the rest in lump sum so they put me on repayment of 48 a month for 4 months. I must say, By far the easiest payday lender ive ever dealt with.

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