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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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Lovejoy v Barclays


lovejoy
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Today I sent off my first letter to Barclays claiming back all charges for the last six years.

I already have all my statements from this period, thanks to my wife, so it was just a case of going through each one and totting up the charges.

It's amazing just how much they have taken from me. :-x

I decided to go straight for the 8% interest from the start, just to let them know I mean business.

I will keep this thread updated on the progress.

Right where are those credit card statements ;)

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lovejoy which 8% interest is that? contractual?

 

Sorry yes it's contractual interest, not compound.

I have calculated with the help of a calculator downloaded, the interest due for each charge from the date of the charge.

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Originally Posted by bottomburp viewpost.gif

No, if you're adding interest you should add it at the rate the bank charged you - which will probably be something like 22-25% if your o/d was unauthorised (and it must have been for them to bounce DDs, cheques etc).

Anyhow, it's up to you of course but if the charges occured a while ago the interest adds up and you are entitled to claim it back!

 

I thought I could only charge interest at the rate at which the courts would would judge i.e 8%

 

I think I probably need to hold back on handing the letter in and recalculate the interest.

Forgive me on this but, isn't the interest rate charged by the banks excessive in the first place and therefore part of the problem. So if I charge them interest at the same high rate wouldn't that make my claim excessive and liable to failure should it reach court?

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If you're claiming back interest they have charged you, that wouldn't be excessive that would be just asking them to give it back.

 

However, if you want to add on the statutory interest of 8% you can only do that at the court stage.

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I have now recalculated the interest at 2.05% per month for each charge. This is Barclays rate as stated on my bank statements. This comes out at 24.6% APR or 27.572% AER and the figure for the calculator from vampiress is 0.000755.

You were all correct it does make a bit of a difference.

From an initial £475 charges with interest calculated at 8% (=£91.79) to interest now calculated at £330.67

I hope I've got this correct. The only charges I've included are paid referral fees and a couple of unpaid DD charges over the period.

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I have now recalculated the interest at 2.05% per month for each charge. This is Barclays rate as stated on my bank statements. This comes out at 24.6% APR or 27.572% AER and the figure for the calculator from vampiress is 0.000755.

You were all correct it does make a bit of a difference.

From an initial £475 charges with interest calculated at 8% (=£91.79) to interest now calculated at £330.67

I hope I've got this correct. The only charges I've included are paid referral fees and a couple of unpaid DD charges over the period.

 

Just wandering if anyone out there could check my calculation above, and let me know if it is ok to charge this rate to Barclays or should I just go for the £475

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Originally Posted by lovejoy viewpost.gif

I have now recalculated the interest at 2.05% per month for each charge. This is Barclays rate as stated on my bank statements. This comes out at 24.6% APR or 27.572% AER and the figure for the calculator from vampiress is 0.000755.

You were all correct it does make a bit of a difference.

From an initial £475 charges with interest calculated at 8% (=£91.79) to interest now calculated at £330.67

I hope I've got this correct. The only charges I've included are paid referral fees and a couple of unpaid DD charges over the period.

Just wandering if anyone out there could check my calculation above, and let me know if it is ok to charge this rate to Barclays or should I just go for the £475

 

Lovejoy

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Hi everybody,

Today I sent off my preliminary letter to Barclays giving them the statutory 14 days to respond. I also took the plunge and have gone for the throat so to speak and added interest at Barclays unauthorised borrowing rate on each individual charge. It almost doubles the claim!

I decided on that approach purely because I am treating this as a bonus and any money regained is a plus, but because I haven't really missed it, I decided to try and go all the way with this claim just to test the water.

 

Should I add this thread to the contractual interest thread or just leave it in here?

 

Either way I will keep everyone up to date.;)

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  • 2 weeks later...

I received a reply within a week of my first letter saying they will get back to me in January, then on Saturday 16th received the standard offer of around half of the charges.

The fourteen days are up today so the LBA goes in the post. I'm still adding interest at 2.05% per month on the outstanding balance and have today notified them that further charges will be added for my time should a satisfactory response not be received by the end of this fourteen day period.

I'm really enjoying this.;)

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Good on you! Did you see yesterday's Sunday Times. There was an article about excessive bank charges in the Money section - here's the link

Banks rake in 1,200% on overdrafts - Newspaper Edition - Times Online

 

Good luck with your claim.

 

Interesting reading. There seems to be something of a snowball effect going on now from all areas. Even the BBC got in on the act last week.

:)

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  • 3 months later...

Hello again all,

Just thought I'd bring this thread up to date.

I sent off my court claim some time ago and Barclays left it to the last day to respond, saying that they intend to defend the claim in full. They must now respond with details by April 9th.

Is this normal Barclays practice?

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lovejoy have you got that date right? surely they only get 28 days from service of the claim to defend it.

 

I originally filed my claim on 13th Feb and the court deemed it to be served 48 hours thereafter (15th Feb), but Barclays filed their acknowledgement of service on the 9th March and they now have 28 further days to file the defence.

At least that's what the court letter says.

Just Barclays employing stalling tactics and by saying they intend to defend the claim in full are probably hoping that I'll drop it, but I have no intention of doing that even though I am still claiming interest at their unauthorised borrowing rate of 2.05% per month.

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The way I understand it is barclays have 28 days from date papers are deemed served so 28 days from 15th Feb. Please anyone correct me if I'm wrong.

 

Maybe it would be a good idea to post up what court letter says.

 

HTH

 

madhouse5:)

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yes, madhouse is right, check the dates again - they only get 28 days from date of service which has already passed.

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  • 5 weeks later...

Latest Update Re: Barclays Claim.Today (19th April) I received from the court a letter granting judgment to me the claimant. Barclays had up until the 17th April to pay in full and as Barclays haven't paid, the next step is to pay £55 and send in the baillifs, which is what I intend to do tomorrow (Friday).

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have you called them?

 

usual procedure on the other B threads is to call some Krystal woman a week before the court date at which point they invariably settle in full

 

a warrant will do it too and might be more fun

 

to be clear then, you made a CI compound claim at the unauthorised rate and they didn't contest it?

 

goody, I've got a fairly hefty one at just getting to the LBA stage, that compound CI sure do bite on the older charges :o

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have you called them?

 

to be clear then, you made a CI compound claim at the unauthorised rate and they didn't contest it?

 

goody, I've got a fairly hefty one at just getting to the LBA stage, that compound CI sure do bite on the older charges :o

 

Yes,I charged them at their unauthorised borrowing rate of 2.05% per month and they initially said they intended to defend the claim, but after their initial correspondance neither myself or the court heard anymore.I think the bailliff route will be a lot more fun than just a phone call

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UPDATE:

 

Today 24th April I received a letter from Barclays offering to pay in full with a few conditions attached and I would be grateful for any directions from fellow forumers or mods.

 

The conditions are set out below:

 

1, The sum of £xxx is paid in full and final settlement of your claim entitled xxx county court xxxxxx (They have offered the full amount)

2, There be a voluntary stay of execution pending payment. (I assume this is to stop me sending in the bailliffs)

3, That upon receiving payment you write to the Court stating that you have withdrawn your claim pursuant to a settlement between the parties. (Seems self explanatory)

4, That you consent to the default judgment being set aside. (This is the one that worries me)

 

Also enclosed is a consent order stating:

By consent it is ordered:

1, The default judgment entered 17 April 2007 be set aside forthwith

2, There be no order as to costs

 

Now Barclays want me to sign both of these and send them back before they will send a cheque.

 

I am concerned that once I sign and return these then I will have no recourse against Barclays should they delay the matter further or even not pay up at all.

 

Has anyone had anything similar in the past or is this the norm?

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from other threads I believe the standard advice to agree to nothing until the money is cleared and at your disposal

 

stories of cheques bouncing believe it or not, they can BACS it

 

I see no reason to rush other than the baliffs, and they'll wait if they're told that settlement is being made

 

the costs they're trying to avoid are your MCOl costs and the baliffs costs aren't they? Or were those included in the court judgement, they should be I think

 

and congratulations (seemingly)

 

to conclude, you charged them unauthorised compound contractual and they settled that claim in full?

 

I don't think you have to agree to anything at all they're the ones trying to avoid justice, not you

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from other threads I believe the standard advice to agree to nothing until the money is cleared and at your disposal

 

stories of cheques bouncing believe it or not, they can BACS it if time is short

 

I think you can ask the court to delay while they settle, I think

 

and congratulations (seemingly)

 

to conclude, you charged them unauthorised compound contractual and they settled that claim in full?

 

I don't think you have to agree to anything at all they're the ones trying to avoid court, not you

 

Thanks for that MTH.

I have tried to call them but just keep getting the answer phone and they aren't returning my calls.

I charged them the full 2.05% per month and they have agreed to settle for the full amount.

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