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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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jonni2bad v Halifax - Got the money but no default removal


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Hi Jonni,

 

Came on here looking for info on how to claim all fees back (they have refunded one or 2 unpaid DD's over the years when i complained but i should have a few hundred to claim back.

 

Just wanted to say thanks for your input.....bit annoyed you didnt get the default removed...but thanks for keeping everyone informed.....People like you change the way people think and behave...well done

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Cheers!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Sorry you didnt win Jonni2bad. I am going for charges and default removed with 2 credit cards. Has anyone actually had a default removed using that method? Also jonni2bad do you have a poc of claim for default removal, and reclaiming charges?

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I will send you a version by PM....

 

When you refer to "that method", so you mean making sure that the charges are still unpaid (not accepted) or do you mean by accepting any payment and proceeding with the default action separately?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Sorry you didnt win Jonni2bad. I am going for charges and default removed with 2 credit cards. Has anyone actually had a default removed using that method? Also jonni2bad do you have a poc of claim for default removal, and reclaiming charges?

 

 

I have had adverse entries removed from my credit file along with a refund of unlawful penalty charges.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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In that case yes - but nothing that has reached court- the cases I know of have been settled before a hearing...

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Notty- I got my charges back and default removed from Natwest.

 

And I should give Jonni thanks. It's small compensation for him but it was only because of his experience that I returned the cheque as they didn't make any offer to remove the default. They sent the cheque back with confirmation of the default removal on the day I would have sought judgement.

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thanks for that martinpar and well done. It does give you hope when you see someone else has beat them at their own game. Do you think you could pm me or post your pariculars of claim. I have asked for the default removal in my LBA but not sure what to put on the NI claim. Would appreicate it.

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Hi

 

Have been trying to find on the 'FAQ' section what it means when my bank says that they 'intend to contest jurisdiction'?

 

I've received the 'Acknowledgement Of Service' letter from the court with the details of my claim and, as i expected, they have put a cross in the box next to 'i intend to defend all of this claim' which i understand is the normal response, but they've also put a cross by No.3 which states 'i intend to contest jurisdiction'......................Is this the norm or have i fluffed my claim???

 

Thanks in advance for any reassuring comments

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It's A&L.

 

It's strange because i applied on my girlfriend's behalve at the same time for £2087 of charges to be refunded from A&L aswell and she received a cheque this morning for FULL payment, only 10 days after i did the MOCL.

 

What does it actually mean 'contest jurisdiction'???

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does anyone how to fill in the enforcement forms after judge has ordered payment? sorry but have asked on own thread and want to go in to court today to request enforcement as halifax clearly have no intention of complying with the court order at this stage

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Jonni or anyone else for that matter!!

 

I am about to try and get my default notice removed aswell as the charges. I had already started to cliam the money when i found out that i had 12 months of defaults added to my CRF!!!!! The account was only in debit because of their charges!

 

Any advice would be gratefully appreciated.

 

Do i have to show them the defaults that are entered??? etc

Good luck all,

and Thanks

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Clanger- I can only assume the form has been filled by a junior who either didn't realise what he was doing or thought he was doing something else. I was wrong in my first assumption. It would seem that contesting jurisdiction means what you would think. I eventually found this from the HMCS website:

 

Defendant User Guide

 

Acknowledgment of ServiceAcknowledgment of Service

 

Responses should be filed within 14 days of service of the claim. However, if you need more time than this, filing an Acknowledgement of Service extends this total time for filing a response to 28 days from the date of service.

If you wish to file an Acknowledgement of Service, you should do so within 14 days of service of the claim form otherwise judgment may be entered against you. You may still be able to file an Acknowledgement of Service between 14 and 28 days from the date of service, if judgment has not already been entered against you, within this period.

You can also use this form to tell the court that you intend to contest the court’s jurisdiction. This means that you believe that the court does not have legal authority to hear the claim that has been made against you. Jurisdiction in this context does not refer to geographical location. For example, if you live in London and the claim was issued through Northampton, this cannot be considered as grounds to contest the court’s jurisdiction.

You can complete and submit an acknowledgement of service online or by filling out the acknowledgement of service form in the claim pack and faxing or posting it to the court.

 

I can't see how they can do this unless your claim was for a huge amount. You'll just have to wait and see if they put in an application disputing jurisdiction. I think it's very unlikely.

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Missnatalie,

 

Could you give us a little more information. Have you already successfully claimed the money back or hav eyou merely issued a court claim?

 

A default is not put on your file more than once for a given account. Once you have defaulted you have defaulted- you cannot default again. Do you actually mean default or are you seeing something else? A default is displayed as an 8 in the payment record, at least with Experian and I think the same with Equifax. If it is a bank account there should be no other entries. If it is a loan there will be a number for each month.

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