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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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HFC Marbles Card Charges Reclaiming


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Hi,

 

I had a Marbles card which had a balance of £2000 with HFC.

 

They offered me a 30% settlement of £600, which i could not afford at that time. They then offered me a £600 interest free 'loan', where i never received any payment but which i pay at £5 pm.

 

A few months ago i had to call them for this loan account and they said you have £1400 on your Marbles card. I told them that account should not exist as it was written off when you gave me the loan i am now paying.

 

At the time of the settlement, i did not receive any letter from them stating that the Marbles card account had been written off or that the default has been removed. I assumed it would all be done as they are offering me a new loan to pay it off.

 

I also have had a few £15 penalty charges on the loan as i got the due date wrong at the beginning.

 

What can i do about this as i am now suspecting the Marbles account was never written off and i am paying them £5 pm for nothing.

 

I would also like to claim charges on the Marbles card and if it has really been written off can i still do this?

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Seems to me that you need to send them a subject access request to obtain information about your account.

 

I would use the template from the library but modify it to specify that you wan specific information relating to the loan, what happened to the marbles account.

 

Depending on what turns up you might then consider what action to take.

 

IF you haven't got a thread in the relevant bank forum it might be a good idea to start one so people can follow your claim.

 

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi,

 

I've noticed that a lot of my debts have sometimes DOUBLED, i.e. Capital One sent a letter stating £440, then get a letter from a DCA stating £819 after passed onto them.

 

I will obviously claim back charges from Capital One, but these may be £200 - £300 at the most.

 

What can i claim back from the DCA as they have added £400.

 

Thanks.

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Hi

the same of what you are going to claim back from cap one !!!!!!!!!!!!

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Two things the dca etc do not have time. 2nd thing you have and you can take your time in screwing them up properly.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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hello

 

and sorry to sneak into this post!!!!!! but is this true??? that you can claim your charges that you get from the debt collecting agencies??????

 

i have been charged in the past some big charges and some small charges ex: moorcroft add £12 pound each time they send a letter!!

 

so if this is really true could i claim these £12 charges back????????????

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This is also news to me!

 

I didn't know we could claim back DCA charges, or even the fact that they charge for sending letters out. I thought all charges are frozen when it gets passed to them, including interest? I've had letters in the past from different agencies, at different times of the year, all asking the same amount.

 

This opens a whole new issue.

 

If we start claiming from the debt agency that is allowing us to pay measly amounts to clear a debt they keep adding to, they won't be too happy. Does this mean they will take more action against us and what happens to the payment agreements we have in place?

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If the DCA do not have a CCA, you can claim back all payments you have made to them, since they would have been collected unlawfully. Moorcroft only have until Monday to produce mine... once they have committed a criminal offence as well as defaulting (another calendar month without sending the CCA to me), I will be claiming back all payments over the past 4 years.

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well i was just thinking about charges, i recieved a letter from moorcroft and now at the bottom of my letter it says 'please note that we have had to resort to sending this letter and as per the terms and conditions of your agreement we have added £12 to the above balance' i have had previous letters from them that never said that until recently !!!!!!!!

 

so what is this all about are they unlawful penalties from the dca????????/

 

any more help or views on this subject would be helpful

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well i was just thinking about charges, i recieved a letter from moorcroft and now at the bottom of my letter it says 'please note that we have had to resort to sending this letter and as per the terms and conditions of your agreement we have added £12 to the above balance' i have had previous letters from them that never said that until recently !!!!!!!!

 

so what is this all about are they unlawful penalties from the dca????????/

 

any more help or views on this subject would be helpful

 

You do not have an agreement with Moorcroft anyway, so there would be no terms and conditions. Have you sent Moorcroft a CCA request ? They have 12 days from the date of (recorded delivery) receipt to supply you with this. After that time, the debt is unenforceable without going to court... and they won't go to court without a CCA.

 

Chances are... they have just bought the debt for peanuts from your original lender. Without the correct paperwork however, all they can do is threaten to do this and that. That statement from them sounds like a fairly typical ploy to get you to think that, unless you pay more of the balance, the debt will increase with each reminder sent out to you. It's bowlarks.

 

Go into the bank template section and look for the CCA request letter. If Moorcroft cannot produce a CCA or Deed of Assignment, then all your payments can be claimed back because they have been collected unlawfully. One step at time... CCA request first.

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sorry i dont think that they have bought the debt from the company as at the top of the letter it says ' we are agents of Argos and work with them to collect payment against uncleared accounts'

 

so do you think i should still send a cca request to them ???i have not paid any thing to them yet but made a payment straight to argos

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i know moorcroft buys debts because they bought another one of my debts from bt.i know this as i phoned bt who confirmed the ammount of my final bill plus told me that moorcroft had bought the debt

i am querring the ammount they are asking as my last final bt bill was £400 and when moorcroft wrote to me it was just over £500 :???: :???: :???:

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yes, because Moorcroft would have put charges on.

 

i got told by Moorcroft on my 2 HSBC debts that they don't buy these, only administer, so thats why i was saying it.

 

if they've bought your debt, then they must have a deed of assignment and an agreement to send you under the CCA.

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  • 2 weeks later...

hi,

 

does anyone know a method of working out the EXTRA interest that has been charged because of penalty charges, for example, ABC cards charge me £60 penalty in a month and the balance is then £1000. They then charge me £20 in interest. How do i work out what the interest should have been on £940 which is the figure minus the charges? This might be £15 in which case i have paid £5 more than i should have (without the charges).

 

Can i then claim this extra interest taken as a result of the charges as well as the charges?

 

thanks.

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Hi there,

 

Yes, you claim back the interest they took for the charge as well. You include this interest in your preliminary letter. To work out the interest they've taken on each of your charges, use Vampiress' fab spreadsheets:

 

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html

 

(I actually did my own spreadsheet as I enjoy doing things like that. Plus, it was fairly simple as I've been permanently overdrawn for 6 years!)

 

Hope this helps x

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Hi

 

Go to the template section then Vampiress's Chambers for copies of spreadsheets which you can use. I've just started my first claim and I'm claiming ;

1. the charges

2. daily interest on the charges (i.e. the amount of interest I have been charged since they were incurred - 22.49% in my case).

3. contractual interest (i.e. they have had my money over the last 6 years so i'm charging them interest at 22.49% for having use of my money).

 

The interest more than doubles the total claim !

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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I agree. Vamps spreadsheets are spot on. Simply enter a list of charges, balances at the time, and bingo!

 

Like bomberbarclay mentioned, i changed the rate to their unauthorised rate. Added a small fortune to the claim (and quite rightly!)

 

Regards

Maangov

__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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yes, i have the spreadsheet but i didn't see any part to show me what the interest should have been on a lower amount as opposed to what has been charged.

 

anyway, i'll take a look at the advanced version again.

 

i cannot seem to save the spreadsheets after i insert my figures? i have to make a copy for each bank i am going to claim from rather than 'save as' which does not work.

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tifo,

 

The spreadsheet automatically works out how much of the interest charged is attributable to penalty charges. If you enter how much you were charged in penalties, then the statement balance and amount paid it calculates how much of the interest charged was due to this penalty. It then totals this up for inclusion in your claim.

 

You do not need to have a 'lower amount' calculation.

 

As for the spreadsheets, you need to make a copy of it, and name it something usefull (I usually append the bank name to the front). It automatically saves changes as you make them. To view all your spreadsheets, goto google docs home. You should see them listed.

 

Hope this helps.

 

maangov

__________________

HSBC A/C - WON! - £1,575 Charges, Stat Interest and default removed before court!

HSBC CC - WON! - £1,025 Charges, and Stat Interest refunded

ARGOS - WON! - £250 Charges & Contractual Interest

CREATION WON! - £180 Charges & Contractual Interest

BARCLAYCARD- Court Date Set - 09/10/2007

EGG - SAR Sent 22/12/06, ID Sent 05/01/07. No progress yet.

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For some reason I am unable to use the spreadsheet on my computer. I feel ill and have a screaming toddler ill as well. As I can't really think straight I went onto a site called quick math looked under %

 

I put in 1.385 of £20.00 comes up with 0.277 times 34 months = 9.418 so for my 1st £20 charge that goes back 34 months at 1.385% (bottom of statement) I am adding £9.41 for interest and so on... so out of my 180.00 charges I have paid 72.28 as some other months are at 1.599% on my statement. I am going to type up letter tomorrow. Has anyone else worked out interest on charges like this??? or am I doing it wrong?

 

This way I only owe Barclaycard £100.00 which I will pay tomorrow get them to write off the rest and then see about removing default.

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  • 3 weeks later...

Just for info really ...

 

How much does court action cost me altogether, for example, on a claim less than £1000 or a (normal) claim less than £5000.

 

I am totally confused as to the fees, because i thought that i paid £80 for a £1000 claim and £120 for a claim upto £5000.

 

But i hear people then paying £100 AQ fee and more.

 

So, how much would i need if i took Bank A to court for £4,000 charges?

 

Do i get exemption on fees or does that not apply?

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