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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 
      • 81 replies
    • 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
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Big Fight With NAT WEST ***WON***


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Quick update, I've gone ahead with my proposed action and faxed through a copy of my updated particulars to Cobbetts along with a covering letter and another copy of my schedule, I have asked for all of this to be attached to my claim and explained that I was unable to provide these details originally due to restrictions of space when filing my claim online. Particulrs sent as follows:-

 

CLAIM BETWEEN

 

deller1, and

 

NATIONAL WESTMINSTER BANK plc

 

CLAIM NUMBER xxxxxxxx

 

PARTICULARS OF CLAIM

 

 

1. The Claimant has an account, a/c no xxxxxxxx, s/c xx-xx-xx, with the Defendant which was opened around 1991

 

2. During the period in which the Account has been operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Claimant contends that:

 

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

 

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

5. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges and interest between 18th September 2000 and 1st October 2006 for the sum of £xxxx;

b) Court costs;

 

c) Interest pursuant to section 69 County Courts Act 1984 at 8% in the sum of £xxx or at such rate and for such periods as the court deems just.

Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982.

I believe that the contents of these particulars of claim are true

 

 

Signed:

 

 

Date: 31/10/06

 

 

I printed a report to confirm the fax had gone through, then after waiting 5 minutes phoned Cobbetts and received confirmation that the documents had been received.

 

With a bit of luck this may of sorted out my problem.

Here's hoping!!! :grin: :grin:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Guest screwloose

Well you certainly seem to be going through the mill at the mo!!

 

I'll have to make sure I pay extra attention when I get to this stage, don't think I could be dealing with all that stress.

 

 

You'll get through it, I've got everything crossed for you. ;-) ;-)

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Tell me about it screwloose, my advice to everyone is to make sure your very thorough, it does'nt pay to cut any corners!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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I notice you've worked out how to get the pictures in screwloose. Very pretty!!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Well, time is running out for Cobbetts to get their defence in and their 28 days are nearlly up. Saturday 4th is judgement day. I expect they'll get their defence in right at the last moment, that seems to be the norm for them. :x

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Della, I got my defence on the last day, and the AQ from the court, along with moving to a court near me arrived two days later. Good luck, I know how frustrating it is !!

M-Stanley, Marbles , Barclaycard,Cap 1, NW CC's x 3, NWest, MBNA , HSBC CC ALL WON

 

Outstanding

Halifax initial 11/10 acknowledged 19/10 LBA 25/10

LTSB initial 12/10 LBA 26/10

Barclays initial 3/10,response 9/10 LBA 17/10,MCOL 1/11, defence &AQ 10/12

Bof Ireland mort' S.A.R 16/10, initial 23/11, LBA 7/12,MCOL 23/12

NatWest home loans S.A.R sent 23/10,Initial 16/12, LBA 6/1

NatWest business a/c initial 9/11, LBA 25/11, MCOL 9/12, AQ 20/1,cheque recieved 17/2 but had to send it back !!

HSBC c/a AQ returned 17/2

HSBC bus' a/c MCOL 17/2

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Tell me about it, very frustrating :mad: , but having read through loads of other threads it seems to be the same for everyone.

 

Seems they're keeping hold of the money for as long as they can, more interest for them I suppose, but then again, more for us too!!:lol:

  • Haha 1

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi Deller,

I've got an offer today from Cobbetts for £2000 which I'll refuse. This has come one day after their AQ, 2 days after my AQ due date. They're following a pattern, next thing is getting a court date, then , hopefully final settlement, yes its stages/obstacles, but hang in and win

NatWest claim filed 7th Sept, acknowledged 13/9, filed judgement by default 12/10/06,defence and cpr18 rec'd 13/10, Cobbetts AQ rec'd 1/11/06, offered £2000 2/11, refusal sent 3/11, cheque recd 18/11 for £3854.54...WON

Natwest 2nd account S.A.R - (Subject Access Request) sent 19/9,request for payment sent 2/11, £165

Ace Cards & gifts S.A.R - (Subject Access Request) sent 19/9, statements received 27/9, request for refund of £259 sent 28/9

***WON Ace cheque received 18/11***

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Been away for a couple of days and got back to find Cobbetts defence on my doormat, right on their last day to get defence in. This is the stage where I'm a little unsure of what happens or what I should do, especially after the recent problems with the particulars of my claim.

 

Their defence reads as follows:

 

1. This defence is filed and served without prejudice to the defendant's case that the Particulars of Claim do not disclose reasonable grounds for bringing a claim against the Claimant to recover the bank charges (and interest thereon) referred to in the Particulars of Claim or any other sum(s). In the event that the Claimant does not properly particularise his claim then the Defendant will apply to strike out the claim and/or for summary judgement in respect of the same.

 

2. On allocation the Defendant invites the Court to direct that there be a case management conference in order for the Court to consider the making of appropriate orders to give the Claimant the opportunity to properly particularise his claim.

 

3. No admissions are made as to what charges have been debited to the Claimant's bank account.

 

4. The Defendant is embarrassed by the lack of particularity pleaded in the Particulars of Claim to the extent that the Particulars of Claim fail to disclose reasonable grounds for bringing a claim against the Defendant. The Claimant is required to identify the common law, statutes and consumer regulations that he alleges are unlawful. Until such time as these statutes/regulations and the provisions therin are identified the Defendant cannot plead to the allegation within the Particulars. The Defendant therefore reserves its right to plead further to the allegation once (and if) the Claimant further particularises his claim.

 

5. The Claimant is time-barred from bringing a claim of unauthrised bank charges prior to 2 October 2000 by the provisions of section 5 of the Limitation Act 1980.

 

6. Save as hereinbefore appears the Defendant joins issue with the Claimant on his claim(s) and denies that it is liable to the Claimant as alleged or at all.

 

 

So what happens now, I'm a little confused, do I wait or should I be responding in some way??

 

 

PLEASE HELP!!!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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from what i have read deller this seems to be the usual responce, and that all the particulars have been given at time of filing the claim, and on the seperate occassions that u have sent a complete break down to natwest... there are a few threads here one of which i think is the partcpr18 one which deals with this... it has a letter u can send back stating that the amounts and individual transactions have all been supplied to their client and that u see this as a stalling and intimadatry tatic... and that just for the sake of their records yopu enclose the account name, number and a breakdown. this is the only information u need to supply to them, they already know from your particulars what laws your using for the claim itself

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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My worry though is what my original particulars of claim were (as stated in post #67 of this thread). I have since sent an updated version to Cobbetts but havn't amended my particulars through the court. Not sure whether this would affect my case as the particulars Cobbetts are referring to will be those stated on my original claim. :confused: :confused: :confused:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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I have since sent an updated version to Cobbetts but havn't amended my particulars through the court.

 

This won't change anything. You can send Cobbetts the greatest POC's ever, all they have to do is throw them in the bin.

 

The ones that matter are the ones you file with your claim and, by your own admission, these are pretty inadequate.

 

Follow Alan's advice.

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I had exactly the same defence from them on Friday for a 2nd claim - not including the limitation act - here http://www.consumeractiongroup.co.uk/forum/natwest-bank/41199-nat-west-2nd-claim.html

I have letter ready to reply to Cobbetts and will send a copy to court - feel free to use and amend if you wish.

Consumer Health Forums - where you can discuss any health or relationship matters.

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corbetts prob arnt even reading them, they get the claim and send out the first letter. hence the reson why everyone are getting letters with the same half a sentence missing... dont worry fella ul be ok,,, if your that worried send the court a letter explaining and refering to the fact u sent corbetts a copy and the date

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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Having read through a lot of other threads the defence I've received does seem to pretty much the same as a lot of other peoples, but I'm still worried because of my POC mistake. Should I be responding to Cobbetts along the lines of the letter gizmo111 used, or should I send a copy of my updated Poc (as in post #77) to the Court and ask them to attach to my claim, or do I need to make official amendmant and if so not sure how to go about this in the correct manner. Or maybe I should do nothing, wait, and see what their (Cobbetts) next move is. I'm finding this all very confusing!!! :confused: :confused: :confused:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks for the advice gizmo, I have just checked on MCOL and my case states:- The defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transfered to shortly.

 

Should I prehaps wait for this to happen before I take any further action, and how long does it take for a claim to be transfered?

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Thanks for the advice gizmo, I have just checked on MCOL and my case states:- The defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transfered to shortly.

 

Should I prehaps wait for this to happen before I take any further action, and how long does it take for a claim to be transfered?

 

I would say that you would be best to now wait a couple of weeks then give your local county court a ring to see if the file has arrived. As soon as it has then I would send an exact copy of what you sent to the Defendant, along with a covering letter as you have suggested stating that you have already sent a copy to the Defendant.

 

If the court want you to make an official request - or they are unhappy in any way, you can be sure that they will let you know what they want you to do - however, I would expect that they will just accept the revised POC's without any bother.

 

until you are contacted by the court. Until the case file is actually

 

 

 

 

 

 

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I've telephoned the Bristol County Court to see if my claim had been transfered there. I was told that case was in the process of being transfered as of today. I explained that I had received Cobbetts defence and that it stated my Particulars of Claim were inadequate. When I asked if these needed to be amended the lady said that as soon as the file arrived it would be referred to the judge and that he would suggest what needed to be done next.

 

So I guess its just a case of sitting and waiting now like Alan has stated.

 

Will probably phone the court again in a few days to see if my file has arrived and when I know its there I can then forward the additional documents which I've already sent to Cobbetts, hopefully they will just accept these!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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