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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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Trying to reclaim 'Packaged account' charges


tc5712
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What do you reckon my chances are of getting anything back by sending the attached?

 

Been paying £9 a month for well over 10 years for no apparent 'benefit'.

 

TIA

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I think that you need to point out that at no point was the package explained to you and nor was there any attempt by them to ascertain whether it was in fact an appropriate product.

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I think that you need to point out that at no point was the package explained to you and nor was there any attempt by them to ascertain whether it was in fact an appropriate product.

 

TBH it's already been sent but that's great ammunition if their reply is not favourable. Thanks :)

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if you've never used the stuff you get like the AA callout etc

for the named card users

 

go get it back

 

take it you have silver account

 

got my neighbours vack without any issues at easter back to 2005 I think

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if you've never used the stuff you get like the AA callout etc

for the named card users

 

go get it back

 

take it you have silver account

 

got my neighbours vack without any issues at easter back to 2005 I think

 

dx

 

Been paying this for so long DX it pre-dates the silver account. Just called 'select'.

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I don't think it has anything to do with whether the cover has been used or not. It is a matter for you whether or not you want to use the benefits included in the account package.

 

The basis for mis-selling is whether the package was appropriate to your needs. This is what you need to emphasise.

It's a shame you put up a request for advice and then just went ahead and sent off your letter without waiting for that advice.

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yes I think his was a select account earlier too

 

what I meant about the 'use' of it, BF

was the AA cover is very cheap and useful.!!

 

on a joint account with your card

whatever car you are in is covered,

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't think it has anything to do with whether the cover has been used or not. It is a matter for you whether or not you want to use the benefits included in the account package.

 

The basis for mis-selling is whether the package was appropriate to your needs. This is what you need to emphasise.

It's a shame you put up a request for advice and then just went ahead and sent off your letter without waiting for that advice.

 

Do feel a bit of a plum BF! Didn't think to post on here until after I'd sent it! D'oh!

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  • 3 weeks later...

Still waiting to hear about this but

 

yesterday I got a random text from 'Lifestyle Services Group' saying to ignore their previous communication about a delivery.

 

A little perplexed I ran a search on the company and they seem to be the company the provides the mobile insurance attached to these packaged accounts.

 

It has now dawned on me that I used the insurance a few years ago and had totally forgotten!

 

Guess this will blow the claim out?

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  • 1 month later...

A lengthy reply for sure!

 

I am no expert but I guess the four mobile phone cover claims are the main basis of their rejection. I am interested in their assertion that because you had not claimed or compleined in the past at any time they assumed you were happy with matters - this to me is no defence because many of us *foolishly* trusted the bank to do the right thing for us.

 

Lloyds have until 20/09/14 to respond to my claim re a select account that I paid for for years and was advised I wuold need in order to get a loan: I will update here when I get this response

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A lengthy reply for sure!

 

I am no expert but I guess the four mobile phone cover claims are the main basis of their rejection. I am interested in their assertion that because you had not claimed or compleined in the past at any time they assumed you were happy with matters - this to me is no defence because many of us *foolishly* trusted the bank to do the right thing for us.

 

Lloyds have until 20/09/14 to respond to my claim re a select account that I paid for for years and was advised I wuold need in order to get a loan: I will update here when I get this response

 

Thanks Forest Dave,

 

So does anyone think I have any chance appealing to the ombudsman?

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so whats the claim worth

have you done the statint sheet?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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better you do a statint sheet

before / if you gotto the fos.

 

 

that/those mobile were not worth £1k+

so all you do is remove the cost of the repairs form you total

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have had a call back and...turned down.

 

 

In short the reasons are that I had one call out for a breakdown and took a loan out at a preferntial rate a few years later.

 

I am minded to take it further but this, which I had to copy and paste as the link seems to not work, from the Ombudsman website, has put me off a bit:

 

112/8

consumer complains his bank told him he had to have a packaged bank account to have his loan application approved

 

Mr M’s daughter had recently been offered a place at university.

He wanted to help her out as much as he could, and decided to take out a loan to pay her accommodation fees.

 

Mr M phoned his bank to ask about a loan.

The adviser told him that because he had a packaged account,

the bank should be able to give him a “preferential interest rate”.

 

Mr M was confused.

He asked the adviser to explain what she meant by a “packaged” account.

When she told him what the account included, Mr M said that he remembered opening an account like that many years ago when he had taken out a loan.

 

Mr M said that at the time, he had thought he needed to open the account to make sure his loan application was successful.

But he had also thought the monthly payments for the account would stop once he had paid off his loan.

 

Mr M felt that he had been misled by the bank, and he complained. T

he bank insisted that the terms of the account would have been made clear to him when he took it out.

But Mr M was still unhappy, and he decided to bring his complaint to us.

complaint not upheld

We asked the bank to send us its records for Mr M. T

hese showed that five years earlier, Mr M had opened a packaged account

– and six months after that, had taken out a loan. T

here were no records of any loan applications or earlier packaged accounts before then.

 

We noted that Mr M had paid off his original loan after three and a half years.

 

We asked the bank for a copy of the letters that Mr M was sent at the time he took out the packaged account,

at the time he took out the loan,

and at the time he paid the loan off.

 

We saw evidence that the terms and conditions of the packaged account had been sent to Mr M

– and noted that the accompanying letter had clearly and prominently stated that he would pay a monthly charge unless he “downgraded” his account.

We could see nothing to suggest that the bank had told Mr M that he had to take the account for his loan application to be successful.

 

We checked to see whether Mr M had asked to change his packaged account at any point. We were satisfied that he hadn’t.

 

Taking everything into account, we were satisfied that the bank had not told Mr M that he had to upgrade his bank account to get a loan.

 

We also looked into whether Mr M had been given enough clear information to make an informed decision about whether to upgrade his account.

We thought some of the information he had received could have been clearer.

However, we noted that Mr M had benefited from the packaged account

– because he had received a better interest rate on his loan.

The saving he had made was more than the amount he had paid for the account.

 

So in these circumstances, we did not uphold the complaint.

 

I will await the letter to come in the post thoguh before deciding.

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Statin sheet done from memory, may have to do a second SAR as discarded reams that didn't relate to PPI as that was my reason for first requesting in 2012.

Sums up to £1700ish.

How would I word such a complaint to the fos?

Many thanks in advance for any guidance.

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  • 1 month later...

no we don't allow touting!!

 

 

bye bye

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

bad move

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Would agree - I am just about to start claim and reckon with the help of CAG would get 100% - 75% 0f f-all is f-all!! Much better to do it yourself.

 

Even if have to go to court, daunting but plenty of good advice available.

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