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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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GE Money PPI refused by PPI claim handler.


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Hi,

I was on here some months ago (Jun '13) trying to make a PPI claim from a secured loan/mortgage taken out in 2002, £10k + £1.6k PPI with GE Money.

 

The account went into arrears in it's lifetime but last year it was paid off. So charge has been removed from Property.

 

GE Money refused our complaint, saying that Greenhill Finance introduced the loan.

 

Greenhill Finance response on 28/06/13 was that the mortgage was arranged with I group loans ltd.

They then go on to say the loan was pre 2005 so no FOS remit etc.

 

because I felt we had hit a brickwall I attempted to instruct Emcas to deal with it,

thinking that left to me we would get nothing so at least we had a chance of getting 60% back.

 

they refused because they said a payment plan was set up in the lifetime of the loan

and that therefore if they won any monies, GE money would retain it and we would be left with a fee for Emcas.

 

This doesn't ring right to me.

Why would GE money keep any money?

 

So I am thinking about instructing another PPE claim firm but need to clarify we wont end up out of pocket.

Many thanks.

S

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If the loan is paid off and there is nothing due then any refund of PPI will come to you.

 

What do you think that a reclaim company can do that you can't?

 

If your decision letters were more than six months ago then you would be out of time to refer to fos anyway, even if they could take it on.

 

Di you check with fos that what you were being told was true?

 

Who actually sold you the PPI?

 

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No I never did refer to FOS, never believed it would count - have I potentially jeopardised this claim?

 

igroup loans limited is at the top of the Credit Agreement and it was them that we believe sold the loan, not Greenhill Finance.

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It wouldn't hurt to give fos a call to see but as said, even if they could have taken it on you are possibly out of time. Have a chat with them and see.

 

Whilst I Group may be on the top of the agreement it is probably not them who sold the loan to you. Did you have a rep come to your home? Is there any mention of an agent on any of the paperwork you have?

 

If you believe it was Greenhill that sold you the PPI then it is they who you should go after.

 

What were the circumstances of your getting the loan. i.e. the process you went through.

 

By the way, IGroup are GE Money.

 

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ref 6 month time scale I've just found this:

 

from http://www.financial-ombudsman.org.uk/publications/technical_notes/six-month-time-limit.htm

what if the "final response" does not mention the six-month time limit?

 

If the final response was issued after 1 December 2001 and does not mention the six-month time limit, then the limit does not apply, irrespective of whether or not the financial business wishes to object.

On the greenhill finance final letter is just says it's outside of the FOS remit.

On the GE money it says again that it falls outside the FOS jurisdiction. It does say however about complaining to Finance and Leasing Association within 6 months, which I never did. Infact I don't remember reading that otherwise I probably would have done. Anyway, it's outside of 6 months now.

 

 

 

? Is it worth a call to the FOS?

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Nothing ventured, nothing gained.

 

If they refuse on either basis that the time limit is up or it was outside their remit anyway then it would seem that your only option would be to sue for your money back.

 

What are your reasons for believing there was a mis-sale?

 

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Loan was taken out over the phone, nothing face to face, documents in post.

Igroup is at the top of credit agreement,

Greenhill Finance apparently introduced,

There is what looks like an application form with a logo TLC in the top right.

 

PPI application is on igroup paper with TLC written in the introducer box. So I guess i group sold the PPI.

 

Reasons we believe loan was missold (from complaint letter):

- I was led to believe that my application for credit would be rejected if I did not take out the insurance.

- The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.

- I now believe the insurance was unsuitable for me as I was suffering from depression at the time I took out the policy and was not made aware of the specific exclusion which relates to pre-existing medical conditions.

- It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest.

 

Thanks

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I today spoke with the FOS.

 

They are unable to help. They checked their database and will only take on GE Money cases post January 2005. They referred me to the FLA, which I've probably left it too late for. I will give them a call tomorrow.

 

Thanks.

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