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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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Car slide no abs


onestressedwoman
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My son got a new car to replace the one that engine seized

 

However on Wednesday we had freezing fog and when he put his foot on the brake the car did nothing but slide abs never kicked in and he hit the back of a car (all on dash cam) and airbags didn't got off so...

 

He calls his insurance and they have asked does he want to claim for his car to be repaired or not.

 

Checked and his car was on a recall for abs may 2006- may 2008 his first registered on 1st of September and on speaking to Audi they want it in to check it and fault find well there is definitely a problem with air bags !

 

Question 1. what does the insurance mean about him claiming for repairs or just paying out the third party?

Question 2. Anyone know the procedure if car goes back to Audi?

 

Children !

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Can’t answer the other questions, but ABS on ice does not always work. 
ABS works by detecting one wheel is stopped (sliding) while the others are still turning. It then releses the breaking to that wheel etc. However  on ice it’s very easy for all 4 wheels to lock up. Under that circumstance the ABS thinks the car has stopped and does not come into operation. It’s possible that is what happened in this case. 
 

Was the damage significant. Airbags don’t trigger for every accident, I think it’s estimated over 20mph on impact, do you have an idea how fast he was still going?

 

Regarding insurance, they may be suggesting the ongoing costs going forward would be reduced for a thrived party claim only? I assume he is fully comp?

Edited by CraigMcK
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Yes fully comp 

 

I'd say he'd was probably 25mph when in the slide he literally turned out of a road maybe 35'  and hit the ice slid really sped the car up it was 3/4 secs till he hit the other car almost square on.

 

I'm the most panicky mother when it comes to kids driving I wouldn't let the younger ones into the big kids cars till they've been driving a year but this boy he is a driver! 

 

Front grill - slam bar  totally bent - lights misaligned and oh my the bonnet 😲

Radiator is all good so I need to check if it will reduce his next premium 

 

Although I didn't know it until yesterday his excess of £945 😲 voluntary £500

If they take it in it will beyond economical repair (mot was due in January) but if he buys it back it will then be a CAT on the car?

 

It was such a good buy £4500 2008 75,000 on the clock full service history has been really well maintained never gonna find another like it - but very juicy

 

He was devastated 

 

I don't bloody know 

 

 

 

 

Edited by onestressedwoman
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If your running a car with a large excess, for whatever reason, you might want to consider insuring your excess', which will cover your excess in the event of a claim.

They won't like the suggestion on here as its an insurance cost for a product you might not use (like GAP) but if you do need it it can save you a lot of money.

 

H

44 years at the pointy end of the motor trade. :eek:

GARUDALINUX.ORG

Garuda Linux comes with a variety of desktop environments like KDE, GNOME, Cinnamon, XFCE, LXQt-kwin, Wayfire, Qtile, i3wm and Sway to choose from.

 

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Hammy

 

I had no idea insurance excess was so large... my son was 17 when he took it out and he thought it was just the £500 although a great amount these young ones really have no choice.

 

How do you insure your excess never heard of it but too late now.

 

And by the looks of things he isn't going to have a car to insure for a long while

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I don't think they like us linking to sites so I've sent you a PM

 

H

44 years at the pointy end of the motor trade. :eek:

GARUDALINUX.ORG

Garuda Linux comes with a variety of desktop environments like KDE, GNOME, Cinnamon, XFCE, LXQt-kwin, Wayfire, Qtile, i3wm and Sway to choose from.

 

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On 07/12/2019 at 22:40, CraigMcK said:

Can’t answer the other questions, but ABS on ice does not always work. 
ABS works by detecting one wheel is stopped (sliding) while the others are still turning. It then releses the breaking to that wheel etc. However  on ice it’s very easy for all 4 wheels to lock up. Under that circumstance the ABS thinks the car has stopped and does not come into operation. It’s possible that is what happened in this case. 

Some ABS systems work by sensing deceleration of the wheel,  meaning they would still work if all four wheels tried to lock up simultaneously.  Our car works like that, on slippy wet ice you may have no braking effect at all but the wheels do not lock up.  To be honest I thought they all worked like that, but if some work only be comparing speeds then yes they will be fooled by all sorts of conditions.

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To be honest I don't think it will help with insurance.  Although it seems unfair for something that was outside his control I think that even if the accident was due to a proven fault with the car they will still see him as at fault.

Regarding repair, write off etc, the car will only be classed as write off of any category if the insurer chooses not to repair but to pay out the value instead.  It won't apply if he repairs the car himself dealing with the repairer directly.  If the excess is that much it might be a better way.

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So he has arranged to have repairs carried out by an approved repairer (his friends dad) rather than insurance fixing it so he gets paid out for it and he can keep it 

 

I mean what's the point of being fully comp if they try to get you not to claim for your vehicle

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I will get my son to upload the video when he gets in.

No down hill slope just a small  gradient and from the turning he came out of its maybe 15 shops until the traffic lights.

Maybe it didn't get faster but he feels like it did (not clear on the video) 

I'm picking him up from work tonight I'll pay attention to the gradient when I go back.

 

He'd only changed up to 2nd so he wasn't driving fast 

 

Upside he knows now to always be prepared for ice

 

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Drove past the road yesterday it's amazing that you drive for years and you don't notice these things yes it was downhill so reason for increased speed I've  never noticed that before how bad is that me not knowing it was downhill there when I've been driving these roads for 30 years 😲

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