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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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    • We have finally managed to obtain the transcript of this case.

      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Seems to favour the banks


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My complaint sat with FOS for 2 years. The issue was false accounting by barclays who failed to credit my mortgage with several thousand pounds in overpayments. Adjudicator was inept and useless. Failed to understand facts and simply relayed whatever barclays told him back to me- eventually it went to an ombudswoman who also failed to get her head around things.

 

Barclays consistently refused to provide answers and she got worn down so simply told me the bank had corrected my account and then closed the case.

 

I had no idea how [edited] this organisation is so i believed her. Once the case was closed, it emerged there were NO corrections made and FOS refuses to revisit the case "because it is closed".

 

i got the case files under a subject access request and it shows how month after month they email barclays and the bank simply failed to respond - FOS has no power to do anything.

 

Filed a complaint with the "iNDEpendent Assessor" who sits in the same building as FOS and really is part of FOS, appointed by FOS. But first she fobbed me off 3 times. Now tells me they don't investigate incompetence, just admin failures. OK!

 

Meanwhile my account remains incorrect 2.5 years on and there is nothing i can do about it.

Barclays says "it was dealt with by FOS" and refuses to discuss it.

 

In short - all these establishment organisations are as [edited] as each other, they collude and cover for each other. I should have known better. It is no wonder these banks behave the way they do - they are untouchable and they know it and there is not a thing you can do about it, little consumer.

Edited by honeybee13
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FOS are useless. Ignore documentary evidence provided by the consumer and believe everything financial institution says even though they provide no evidence or audit trail.

 

Can't you bring a fresh complaint rather than reopen the old one? If you've got evidence of the over payments and incorrect statements, what about a claim via small claims? How much are we talking about?

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Hi

 

It is not really in dispute - as I have audio recordings of barclays conceding the account remains incorrect 2.5 years on. This individual, whom i believe to be misleading (personal opinion based on evidence gathered) then made numerous contractual agreements with me, but then misled me repeatedly that he had implemented these when he had not. It's the fact they have a staff engaging in misconduct but you cannot report it that gets to me. He is in the complaints dept. So if i complain about his misconduct - it ends up on his desk! He already informed me he is dealing with another of my complaints. Anyhow I am now looking in to handing my evidential pack over to their anti corruption unit- although it has taken forever to actually establish that they have one!

 

I don't want to go via small claims as the fact is, barclays will have expensive barristers to throw at me and they will know all the tactics and legal games to play. Meanwhile - i still cannot make overpayments. That is my priority, i just want a competent manager to deal with the misconduct and correct my account, but apparently that is impossible.

 

I actually tried to post separate threads about this but they keep getting merged.

Edited by citizenB
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I took my complaint to the FOS about my bank Halifax lending me money I cannot pay back.

 

I heavily quoted parts of the lending code which the FOS ignored, quoted that Halifax had breached it own lending criteria, again FOS ignored.

 

The FOS had ignored the fact that I was in financial difficulty bearing in mind I was in an IVA had missed payments on the loan etc etc.

 

They sided with Halifax saying they did nothing wrong even though I am in debt to the tune of nearly £15K.

 

It is just a pity that there is nowhere to turn to to voice the fact the FOS are a complete shambles!!

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People suffering financial hardship become desperate and over extend themselves again. That's why there's guidelines in the Lending Code etcetera about irresponsible lending.

 

that's why I replied as I can comment from a bad experience with a certain bank, in which I nearly lost everything.

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I think the only way you will get resolution now it has been considered by the FOS is via the courts.

 

In a small claims case of £10k or under your exposure to the defendants costs would be minimal unless you litigated unreasonably and wasted court time and costs. The nature of these capped costs mean that they may not be as tough a nut to crack as you think they are, especially if you have the evidence you say you do.

 

People here can help with the process.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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  • 2 weeks later...
People suffering financial hardship become desperate and over extend themselves again. That's why there's guidelines in the Lending Code etcetera about irresponsible lending.

 

I heavily quoted certain parts of the Lending Code that Halifax had breached and yet the Ombudsman ignored the evidence I had submitted. I even went to lengths of contacting the Lending Standards Board about these issues, I never got a satisfactory response back either.

 

I dont see the point of having a Lending Code if banks breach it and complaints of breaching it are ignored.

 

I am just very angry my bank threw money at me left right and centre, putting me into debt, and then refusing to accept responsibility that they had lent money to someone who is unable to repay it.

 

Halifax are an appalling bank to say the least!!

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you borrowed the money yet you were not in a position to repay it??????

So what? Is this not the standard in the banking industry?

"Ask not what your country can do for you, ask what you can do for Poundland"

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