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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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      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
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Aviva fraudulently processed my data without authorisation o


Titchytitch
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I'm not sure that waiting to see "what gets thrown up" is a great idea.

I think maybe some positive attempts to try and get some evidence would be a better idea.

For instance, I understand that your brother forged your sister's signature in order to get some money. Was this successful or was it discovered and the money transfer blocked?

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Well I don't completely understand – but certainly it seems that we have to say that there is no evidence of this forgery.

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Yes I think so.
 


I suggest that you send them this letter
 

Quote

Dear XXX

Reference number XXX

I refer to their statutory data disclosure which I received from you on XXX date.

I have been unable to find any evidence that you have received any authorisations from me to collect and process my personal data – either signed or otherwise.

Please will you confirm that your data disclosure is complete and that no such authorisations exist.

Yours sincerely

 

If you are happy with this then I suggest that you send it recorded delivery as well as email if you can.

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Yes

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Send it to the data protection team and then copy it to everybody else as well

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  • 2 weeks later...

response from aviva - bit confused surely if you've sent me all the subject access you wouldn't need to investigate ?

 

Good Afternoon,

 

Thank you for your email and attached letter dated 27th September 21.

 

I can confirm receipt of this and that we are currently investigating your queries raised. We shall provide a response to these as soon as possible.

 

If you have any further queries in the meantime please let me know.

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I don't think this is a surprising response. It's the usual kind of defensive noncommittal open-ended stuff that you get from an organisation that thinks that they can tire you out and avoid dealing with the issue.

 

Quote

Thank you for your email dated XXX

I note that you say that you are going to provide a response "as soon as possible".
Given that we are talking about the quality of your response to a statutory request dated XXX date, I think that it is not unreasonable to ask you to give a rather more precise date or at least a timeline, for your response for instance, "within X number of weeks".

Yours sincerely
 

 

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Nope. It's simply an example and you are inviting them to fill in the blanks. Leave the "X" as it is

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Good. I think you need to understand that it's a bit of cat and mouse now and it will be like that I suppose until you get back from your trip aboard and we can then start to launch a proper challenge

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seems that way my original SAR request went 26th April they have had ample time to respond appropriately. 

 

I think the officer has asked them for some information as Mr Z gave them lines of enquiries to follow up in his defence and the officer did say why aviva haven't classed this as fraud so I think aviva are dragging their feet now ive sent the email response 

 

Thank you for all your invaluable support 

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When you say "… the officer did say why Aviva hadn't classed this as fraud…" Do you mean the officer asked them this question?

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If you haven't sent the email off yet then hang on please. I suddenly remember that they asked for an extension of time and that means that we can send them a slightly different email. Have you sent it yet?

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Yes I think it might have been worth turning the knife a little by emphasising that as they've already asked for an extension and used the maximum statutory time limit when making their statutory disclosure why on earth would they need more time to carry out an investigation.

Maybe we'll keep that point in reserve for the moment

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That's good – but if we send another email then I think we need to be more specific about it. It's not really for Aviva's sake – but it is for laying down a paper trail with the possible data protection breach action in mind.

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happy to follow your lead x

 

I got a speedy response please see below?

 

Good Morning,

 

Thank you for your email.

 

I shall provide an update on Monday 11th October either this will either be a full response or an update on timescales if we our investigation is not concluded.

 

I hope this is suitable for you?

 

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Okay well let's see how it goes and if they don't come up with an answer or if they want an extension then will go into challenge mode on the 12th.

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