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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Litigation Started With Cap One **SETTLED**


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Hi Guys

I hope someone can help me with a few pointers.

 

Just getting my claim together and listed all my charges for CAP ONE on the spread sheet, but the calculation are for 8%, they have charged a minimum of 11.9% in the earlier days and now it varies from month to month. Can someone explain in plain english how to tackle this. They now show the charges as monthly interest at say :- Purchases 0.865% which varies from month to month.

 

Also, it may be of INTEREST for you all to note that when I went back through my file - I have kept everything, I did notice some 5/6 years ago that my interest rate suddenly changed, I did write at the time and eventually got a refund on the actual rate of interest, this I found a little worrying.

 

Some months later they changed the format of their statements and they now show a monthly rate which I now notice has changed vertually every month. has anyone else experienced this.

 

About 4/5 years ago when I once drew cash which was needed urgently out on CAP ONE - do you know I am still paying a small amount of credit each month for this - can this be right! This must have cost me an arm and a leg!

Thanks

DS

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Hi Guys

I hope someone can help me with a few pointers.

 

Just getting my claim together and listed all my charges for CAP ONE on the spread sheet, but the calculation are for 8%, they have charged a minimum of 11.9% in the earlier days and now it varies from month to month. Can someone explain in plain english how to tackle this. They now show the charges as monthly interest at say :- Purchases 0.865% which varies from month to month.

Thanks

DS

Have you done the SAR or used your statements to get a list of charges together? And have you then sent your preliminary request for a refund? And are you therefore at the stage of filing a court claim?

 

Only at the stage of filiing a court claim can you attempt to reclaim interest on the charges made - and then only at a 'statutory?' rate of 8% - hence the spreadsheet.

 

Hope this helps

 

PS Just completed my claim against Capital One - they settled two weeks after I filed my small claim at County Court, for full amount of my claim, which included £50 of my costs in pursuing the case (time spent researching, letters/stamps etc).

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Thanks for the info... I am just beginning to get things together.

I do have all my statements so I do not need to apply for these. I will write to them by either special delivery, or certificate of posting giving them 21 days to respond. Then I will file MOL Claim if needs be.

I was just interested to know how you calculated the contracual interest!

the 8% I have worked out what to do. The contractual interest will be a lot higher.

I appreciate hearing that you claimed back £50 for your time - that was good.

Thanks

DS

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Just to update you I have sent prepared a LBA letter to Capital One giving them 14 days to cough up before legal action.

He is claiming £1360 in charges and Interest £625.24 Total £1985.24

Will keep you all informed of his progress.

DS

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Just to let you all know that I have to day received the usual rubbish letter from Mr R Uddy, they are trying to fob me off with a partial settlement of 26% of my claim, they say (out of the goodness of their hearts) they would refund down to the £12 charge which they believe is fair:idea: and guess what they do not include any interest with this. I think the only way forward will be accept a partial settlement and advise them that I want the balance paid giving them a further 10 days or I will see them in court. I think Mr Uddy knows full well the proceedure and is just playing a stalling tatic.

Hey Ho off to court I will go if he does not settle my claim!

DS

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That is the reply we all get. Next stage now.

 

Uk. .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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This is the letter which I intend to send to them tomorrow, if there are any modifications to this please let me know ASAP.

Thanks

DS

Capital One Bank (Europe) PLC

Executive Offices

PO Box 5281

NG2 3HX

24th November 2006

Your ref: xxxxxxxxx

FINAL LETTER BEFORE ACTION

CERTIFICATE OF POSTING

Dear Mr Uddy

Mrs Dxxxxxxxx – Credit Card Number 4775 xxxxxxxxxx

RESPONSE TO SETTLEMENT OFFER

Thank you for your letter dated 20th November 2006.

I respectfully decline your offer of settlement and request, once again, that you

return to me all the charges and interest imposed on this account, totalling £888.12.

I will accept the sum of £234.00 offered only as a part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I therefore enclose your complaint settlement form which has been duly amended and signed by me.

My letter before action sent previously indicated that action would be TAKEN if you did not comply fully within 14 days. I am prepared to extend this only until 4th December 2006 to allow you adequate time to deal with my claim in full as outlined in my earlier letter.

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This is the letter which I intend to send to them tomorrow, if there are any modifications to this please let me know ASAP.

Thanks

DS

 

Capital One Bank (Europe) PLC

Executive Offices

PO Box 5281

NG2 3HX

24th November 2006

 

Your ref: xxxxxxxxx

FINAL LETTER BEFORE ACTION

CERTIFICATE OF POSTING

 

Dear Mr Uddy

 

Mrs Dxxxxxxxx – Credit Card Number 4775 xxxxxxxxxx

 

RESPONSE TO SETTLEMENT OFFER

 

Thank you for your letter dated 20th November 2006.

 

I respectfully decline your offer of settlement and request, once again, that you

return to me all the charges and interest imposed on this account, totalling £888.12.

 

I will accept the sum of £234.00 offered only as a part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. I therefore enclose your complaint settlement form which has been duly amended and signed by me.

 

My letter before action sent previously indicated that action would be TAKEN if you did not comply fully within 14 days. I am prepared to extend this only until 4th December 2006 to allow you adequate time to deal with my claim in full as outlined in my earlier letter.

If you've already sent your LBA, don't send the above - they've had their warning, simply start a court claim when the original date passes. The above (IMO) makes you sound weak, and they'll simply get to keep your money longer whilst you wait.

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Hi Dead SQ

Thanks for your comments, but don't I need to accept the partial settlement and I have seen other threads where they have sent a similar letter. This letter was taken and modified slightly from the library.

Your help much appreciated.

DS

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Hi Dsilverstein

 

I would send the letter again giving them the opportunity to settle. Just this time give 7 days instead of 14. It does'nt show weakness, it shows that you are being very reasonable in trying to settle out of court. You should accept anything they offer as partial payment towards your claim, which you have put into your letter.

 

Good luck

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi and thanks to you for all your support.

I will stick with the letter and post it tomorrow.

I am not giving them 14 days more merely just 7 working days.

I agree their position will not change but you have to show the courts that you have been reasonable - I guess.

DS

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Letter received today from C1-Robert Udy

Stating it will take at least 4 weeks to investigate!

What a load of rubbish!

They want him to be patient!

They want to waste time. I am not so I feel a MCOL coming DEADLINE 10TH DECEMBER.

DS

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Well I had another letter from Mr Uddy asking me again to sign acceptance of the partial offer in full and final settlement he states that they are confident that their fees are both fair and reasonable! He acknowledges that I will take this to court - So I have.

MCOL was completed this evening I am claiming £888.12 which includes contractual interest and have decided not to complicate matters and add the 8% as well. The contractual Interest more than covers and I will be happy just to claim this back. Oh and guess what, I used my Capital One Card for paying the Court fees that should go down well!

When doing the MCOL you cannot use the ( ) ; & so beware it takes ages to go over and over the form until it gets accepted.

I will keep you all informed - let battle commence.

DS

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Good luck in settling!...Im at the pre-lim stage with cap 1 at the moment!

willowthewysp

Action so far...

:!: Alliance and Leicester>>>PAID IN FULL:D

 

:!: Capital One>>>£1025.19

07nov06>sent S.A.R....

01dec06>statements received...

27jan07>sent pre-lim...

10feb07>sent LBA...

Court claim has been sent...waiting reply

:!: Payment Protection on Capital One>>>

23dec06>refund credited to account!

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Well done. Won't be long now.

 

Uk..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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