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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
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    • 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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Barclaycard Default Notice Removal **Claim settled (probably)**


bradybunch
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Hello Caggers,

 

I have gained immensely from the advice on this forum...thanks for that everyone.

 

 

I need help in removing a DN from my credit file please.

 

 

The entry was made in Aug 2010 by Barclaycard for #492.

 

 

I have emailed CEO using one of the sample letters on here and got a response from a lady called Judith Hayes.

 

 

She has promised to send statements and records.

 

 

She also mentioned that some of the charges are made up of PPI, Penalties and Interest charges.

 

 

This is a cummulative total of the charges vs credit limit

 

Credit Limit vs Balance History

2009 2010 2011

Jan -61 -232

Feb -94 -232

Mar -128 -232

Apr -163 -232

May -200 -232

Jun -226 -232

Jul -229 -232

Aug - 232 -232

Sep -232 -232

Oct -13 -232 -232

Nov 30 -232 -232

Dec -28 -232 -232

 

Ideas and suggestions all welcome.

Thanks

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I would send them an sar get all the statements

 

 

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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Thanks dx100uk .

 

 

I will dispatch the letter asap and provide regular updates here

 

 

The lady I spoke to said she will include a final reply and if I am not satisfied I should go to the ombudsman.

 

 

my fear is that I am currently in the middle of a mortgage app and they have brought this up.

 

 

Is it worth speaking to the lady again to get this removed as it appears that the charges tipped the account into default?.

 

 

The original limit was 260 pounds and accrued charges is now 232 pounds.

 

 

Would I be able to use this as leverage to get the DN removed?

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you need to prove that the PPI+the int it got charged

and

the PENALTY [£12 fees]+the Int they got charged

 

 

to the point of the Default notice

 

 

would be more the balance claimed on the DN

 

 

if you can

the default must be removed.

 

 

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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Hi Bradybunch and welcome to CAG

 

Stay OFF the phone and keep everything in writing only. You need proof of all exchanges so stick to email or written letters.

 

Getting a DN removed is not easy. And there are no likely shortcuts. I very much doubt you'll get the DN removed by talking to the lady you've referred to.

 

If you don't have all the a/c statements, get the info with the SAR, so you can see exactly how much you've been charged in PPI and penalty charges.

 

:-)

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Thanks dx.

 

 

i have attached a screen grab of the CRA entry.

 

 

credit limit was 260 in Nov 2009,

 

 

credit card balance was 230

 

 

in Dec 2009 there was a missed payment and a 58 pounds charge was applied

 

 

which took the card over its limit and increased by about 30 pounds monthly till Aug 2010 when it was defaulted.

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Hi guys, Barclaycard have sent some documents back to me from 2007.

 

 

They also sent a FORMAL FINAL NOTICE (CALDER) and a DEFAULT NOTICE ( MERCER). nothing officially from Barclaycard.

 

Credit Limit: 260

Dec 2009: balance was 288

Jan 2010- June 2010: £12 (over limit charges) + £12 (late payment penalty) monthly

June 2010 -Aug 2010: £12 (over limit charges) monthly

PPI Nov 2007- June 2010: £68

 

This is meant to be the FINAL response and I have been referred to the FOS for escalation.

 

 

I am hoping to argue on technicalities and the charges plus int (8%).

 

 

Is this the right way to go please.

 

Thanks guys

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Hi BB,

 

There's another way to tackle this - reclaim all penalty charges plus compound restitutionary interest at 24.9%.

 

Read through a few of the recent **WON** threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

Put the penalty charges on a compound int't spreadsheet and let us know the totals for charges and for int't.

 

Court action against BC may be quicker, more rewarding financially and a way to get BC to remove all adverse data about the a/c.

 

:-)

We could do with some help from you

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Hi Slick,

 

Thanks for your response. I had the account between 2003-2010 (year of default) and the last payment to the account/card was in Nov 2009. In calculating the cumulative interest on charges etc, should I use the period Dec 2009-Aug 2010, or Dec 2009-Date? I have also read somewhere that where a DN was not served by the original creditors, such DN will be deemed invalid. Is this correct?... thanks

Edited by bradybunch
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Hi BB,

 

Use a compound interest spreadsheet to list the date, narrative and amount for each charge when it was made by BC.

 

All the info you need will be in the *WON* threads I referred to above.

 

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Hi Slick,

 

Thanks for your help with this. do I need a SAR at all or should I just go with what I have?

 

Can anyone please point me towards where I can get a Prelim claim template please.

 

Thanks

BB

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Hi BB,

 

If you're sure you have all statement data for periods when you suffered penalty charges, go with what you have.

 

If you are missing statements for periods when you may have been charged, send off an SAR.

 

Your spready looks ok so far EXCEPT you should not include the interest charged by BC each month. That is taken care of by claiming restitutionary interest.

 

:-)

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Thanks Slick.. Just to re-cap

 

1. The end date in the spreadsheet is an excell formular =Today() and not the date of Default. Is this correct?

2. If the numbers are good, then the next steps are

2a Sent a Prelim Claim letter (Can you please refer me to where I can get a template for this?)

2b if response is negative, send an LBA letter (Can you please refer me to where I can get a template for this?)

3. If response is not satisfactory, GO TO COURT

 

The aim of all thes is to get the DN removed and the charges erased.

 

Have I missed anything?

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interest on std bal needs removing.

 

 

if not already done

 

 

leave the claim to date calc alone

 

 

if you look in this forum

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

 

the rest of what you need should be detailed in won threads

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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Hi BB,

 

1. The spready always uses the current date when it's opened and that's correct. So each time you open it, the interest will have increased from the previous occasion. The Default date is not relevant.

 

2.a&b. Prelim Claim/LBA letter here from our Library - http://www.consumeractiongroup.co.uk/forum/showthread.php?405889-LEGAL-Reclaiming-Credit-Card-Charges-Preliminary-Letter-Before-Action

 

3. Correct.

 

Use your time wisely while waiting for Barclays to reply. Read through the *WON* threads and make notes about reclaiming and about getting a DN removed.

 

Do the research so you can run your claim properly.

 

:-)

We could do with some help from you

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Hi BB,

 

I suggest you start a separate thread in the PPI forum to deal with this aspect of your case.

 

PPI is dealt with differently and you will not claim the PPI as part of a court claim, nor will you seek restitutionary compound int't.

 

Read threads in the PPI forum and Stickies there to get an idea of how to reclaim the PPI properly.

 

:-)

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Dealing now with the penalty charges, I note there are 12 more £12 charges on the 2nd sheet that weren't on the 1st one.

 

Did you originally miss these ?

 

:-)

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Slick, that was an excellent spot. I missed them initially. I have included charges from 2007 in the updated version of the spready. I will claim for the charges and do the PPI separately. I have attached my Prelim Letter.

thanks for your help Slick

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Hi BB,

 

One tiny suggestion :-

 

Para 3 - "...... and I also claim restitutionary interest of ......"

 

Otherwise, the letter looks good to go.

 

Follow up with the LBA after 14 days but update the letter to reflect the slightly higher interest that will show in the spready.

 

:-)

We could do with some help from you

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  • 3 weeks later...

Hi Slick, fired the first salvo (preliminary letter) two weeks ago and I have not received any response from BC. I will be sending the LBA on Monday. Do I need to introduce the Sempra case and the Kleinwort case as well in the LBA? Can these be introduce in the POC later if I don`t introduce them now?

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Hi BB,

 

No need to mention Sempra Metals or Kleinwort Benson in the Prelim or LBA. Have you taken time to read through other cases as these will tell you almost everything you need to know.

 

You need only mention briefly that you will rely on the 2 cases in the POC.

 

You'll only go into more detail when it comes to preparing evidence (generally referred to a your court bundle) to present for your case.

 

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Update on this case. I received this letter from BC. It looks pretty similar to what others have gotten or am I missing something. I am sending my lba on Monday regardless. BC have admitted that they have charged me more than £12 in the past so I am also sending a SAR.

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Hi BB,

 

I assume you don't have all your statements for the a/c. A SAR to BC now will probably only disclose data for the last 6 years unless you take the matter further.

 

What data DO you have.

 

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