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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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Lords Roofing Company in Bury - Job's a Good 'Un?


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I needed studio roof fixed in 2014 and found a company that could do the work.

The salesman, named Jim, came to the property and confirmed that he had done work at my workplace, a school, a local company and at ca Salford Hospital.

These seemed good credentials. The team employed came out and did the work for me over as series of weeks and my husband made a total payment of £5500.00 to the  company in Cash in hand. 

 

I started to notice that the roof wasn't up to standard pretty quickly as it continued to leak after the job.

I contacted the suspect's company several times over the next 3 years so that they could come out and fix this for me.

The firm's employees and once, the owner, Fergus himself came out and advised me that the roof was now fixed but it never was.

 

The company reinvented itself at some point and Jim continued to contact me as he now worked for another company, suggesting he could fix the roof.

I ignored this.

I had a guarantee.

 

I continued to contact the company by email, including photographs taken of the state of the work at the beginning of 2019 but had no response or reply.

Another roofer was employed. and he found substandard workmanship and materials, even non galvanised nails.

 

I telephoned the company prior to the roof being repaired and spoke to a secretary, Rachel who was pleasant at first but in subsequent calls became dismissive and seemed to be making decisions on behalf of the management

At no time did the Fergus or anyone from his company respond to my request.

 

On leaving negative reviews on Google and Yell, I was contacted by email within HOURS and instructed to remove the reviews after Rachel had taken advice from CORC, as Lords was a member.

 

I sought advice and have made my own investigations.

I sought advice from Citizen's Advice and my friend encouraged me to go for small claims.

I asked if I would get anything if the company went bust and I was told to call Companies House.

I found that Lords Roofing (and 2 other companies run by Fergus) had been dissolved for malpractice.

I was advised to report this to Action Fraud by Companies House. 

 

I have since discovered that the addresses registered at CH are either not used or empty.

One of my letters of complaint has been signed for by Lords at a Unit in Bolton , which is occupied by a second hand business.

The address advertised by Google is not occupied by Lords and is to Let.

The 'home' address of Mr Parks is not his and another company is there according to google, the property is up for sale.

 

So, the guarantee I have is worth nothing and any legal papers cannot be served to an address.

YET, I see Lords vans working their way around the Bury area doing jobs for folk, probably giving them guarantees for work which will be of no value.

 

I am now in touch with the National Fraud Intelligence Bureau.

If anyone has any information or complaint let me know.

 

If you know their whereabouts you can  pass the info on.

I am certain a number of reviews on Google and Yell are fake, maybe written by staff.

The people involved appear to be very pleasant guys but people are being ripped off.

 

 

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Thank you for this. I'm very sorry that you have this problem.

I'm posting this reply mainly to flag up to other people who might get themselves into the same position:
Building Guarantees

one of the things that people look for when they start considering building work is whether the builder offers a guarantee. No guarantee and they're not happy to give them the work. If there is a guarantee then they feel confident that they can give the builder the work and if problems develop that they will have recourse to a guarantee.

Here's the reality
Building guarantees are pretty well worthless.
You may have a 10 year guarantee or a lifetime guarantee but all that means is that you are receiving a contractual commitment to sort out any problems in the work if they develop. If you have a contract with somebody, that means that you are assuming that they will still be in existence and not only that but you will be able to find them and force them to carry out their contractual obligations.

Many building companies have a reputation for "Phoenixing". This means that they regularly go into liquidation and then re-emerge under a new name every couple of years or so or if there is some serious trouble brewing on the horizon.

Once the company has gone into liquidation then you have no contracting partner. It's gone and your guarantee is now absolutely worthless.

If you want a building guarantee then it must be "insurance backed". However, that doesn't mean it's okay. We've heard of some companies which claim that they give an insurance backed guarantee – but actually there is no insurance.

We get people on this forum you say that they have checked the company out and there is an insurance backed guarantee. This makes them feel confident.

There is no reported instance of anyone asking to see the insurance policy – and if there is one, telephoning the insurer to see whether the cover is really in place and whether it will cover the building work that they have in mind.

If you don't do this then you're taking a big risk.

If you undertake building work then you must make sure that any building guarantee is backed by insurance. You must see the insurance certificate and get a copy of it. You must contact the insurer and get written confirmation from them that the insurance is valid and that it will cover the kind of work that you are carrying out.

Only then can you risk going forward.
 

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