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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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      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.

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In Game Purchase Nightmare


Essemess
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My 16 year old has just p***d away £1014 on FIFA Ultimate Team and Runescape crap.

 

Briefly, he was left an inheritance of £3000. We took him into the bank where his current account was and helped him open an ISA and put it in there. Unknown to us, he set up online banking and over the space of a month started transferring it into his current account to waste on in game player packs etc. In one single day he blasted over £400 :(

 

He knows in no uncertain terms that he has been utterly stupid and has vowed to earn it back over the summer with a part time job(s). I know that I'm at fault for not drilling into him the value of money and how important this windfall was for his future and college. He said that he knew it was wrong but he just got carried away.

 

Considering his age and the mass of transactions that occurred in such a short space of time with seemingly no suspicions raised at either the bank or the two companies involved, is there anything I can do to recover any of the money?

 

Can the player packs be sold on? Can the Runescape purchases be returned? Does anyone want to adopt a "stoopid" teenager? ;)

 

Regards,

 

Essemess.

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Unfortunately the short answer is, no.

Since it was his own account and there's no element of using someone elses account without their permission, and by your own admission he was aware of what he was doing, there's no comeback to try and reclaim any of the money either via the game publisher, Microsoft/Sony or the bank. These in-game purchases typically can't be re-sold as they get tied to the account that purchased them, even before they're redeemed in-game.

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These in app/game purchases are a total con. They make the software much more expensive than what you can buy in the DVD game format. Yes they have more features, but are these worth the amount paid. I think the idiots who are paying for the in app purchases are subsidising all the other players using the free or basic versions of the games. To make the purchases you have to enter passwords authorising and the Bank may also have an online authorisation system to go through.

 

I would question whether someone spending this amount needs some help. There is some evidence of online gaming activity being a symptom of an underlying health issue I.e they are sucked into an online unreal world and even spending money is not real to them, until they see their bank statement.

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Thing is, this isn't a free game. It's a full priced retail game that then has micro-transactions included as well so you can unlock content without going through the gameplay steps to do so. If you ask me, that's far worse than the F2P model.

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Completely agree, MaxxPower.

 

£45 notes to buy the bloody thing then they still want to squeeze more out of people, especially naive kids. Having not played FIFA since 2003 on a GB, I was completely unaware that this "Ultimate Team" in game purchase even existed.

 

It reminds me of the Panini football stickers but in electronic format. Kids spending a fortune to try and get the best player out of the next pack. At least with the sticker albums you could trade / sell the physical card. This electronic version must cost almost nothing to administer but is raking in a fortune and there's no way of converting back to real money. Grrrrr.

 

Not making excuses, but think that the whole model is very wrong.

 

Any one want a PS4 going cheap? lol.

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Hi there,

 

I was wondering if someone could enlighten me on consumer rights regarding in-game purchases.

 

I'm not entirely sure where in-game purchases stand (like spending money on in-game currency and then buying something faulty/mislabelled with the in-game cash that is the root of the problem).

 

Thanks a lot for help!

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A copy and paste from a Which? article

 

If there's a problem with a download and it doesn’t work properly, you should be able to argue that the seller is in breach of contract.

 

For example, if the download fails to work or isn't as the seller described it. In such cases, you should be able to ask the retailer to replace the download.

 

(source - http://www.which.co.uk/consumer-rights/problem/can-i-get-a-refund-on-a-digital-download)

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Hi there,

 

I was wondering if someone could enlighten me on consumer rights regarding in-game purchases.

 

I'm not entirely sure where in-game purchases stand (like spending money on in-game currency and then buying something faulty/mislabelled with the in-game cash that is the root of the problem).

 

Thanks a lot for help!

 

You might need to give more details. It would be hard for an in-game item bought with in-game cash to be 'faulty' in the usual sense of the word. As for mis-labelled, it's possible but again these in-game purchases are usually fairly simple and it's typically quite obvious what you're buying.

Can you provide more specific information on your issue?

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