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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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      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.

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Petrafyde vs. NAtwest


petrafyde
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That was my thought, Nattie - but very odd partials, doncha fink?

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi

 

Did my e-mail to you get through OK? Sorry for the late reply - I was doing my tax return.:eek: It wasn't working for me!!!!!:o

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi petrafyde,

Just read your post in cornflakes thread, and I'm glad to hear that you've got your spreadsheet in order and ready to go.

Thought I'd drop you a line as a token gesture and to egg you on a bit.

So...GO GET 'EM:D

Remember, we are here to assist you throughout your whole claim, no need to panic, let alone be 'petrafyde'. Think of it as a new and exciting journey (with a lot of waiting for news, to boot)

Good luck and keep us posted.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi Muggins,

 

Thanks for that - was a bit of a struggle at first but I've got the determination there now, so even if what I've done so far is wrong, I'll sort it :)

 

It is a new and exciting journey! You know, I must sound SO mercenary, but I keep thinking about all of that money they've taken away from me, and the hardships I had to suffer because of those unlawful penalties (see! I'm getting the gist! ;) ) and how I can repair some of the troubles being "hard-up" at the time caused. I can't remove some of it unfortunately, but I can pay off the others - and thats whats driving me (plus a new hat, and shoes.. I always need new shoes...)

 

Anyway, enough dribble - will post the prelim and an excerpt from the spreadie in a bit!

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You Go Girl, Fighting Spirit, That's What I Like!!!!:D:d

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Rightio! Feel free to tell me if I'm wrong anywhere as this is going tomorrow morning!

 

[my address]

 

 

 

 

 

[their address]

 

 

 

02 February 2007

 

 

Request for repayment of charges

 

 

Dear Sir/Madam,

 

 

Name: petrafyde

Acct ; 12345678

Sort code; 00-00-00

 

 

My request

 

 

I am writing to ask you to refund to me the charges that you have levied from my account since ** Month 2002.

 

 

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, returned cheques, ‘card misuse’, ‘paid referral’, exceeding overdraft limits and so forth,is unlawful at Common Law, Statute and recent consumer regulations.

 

 

Additionally, it has now been confirmed that your particularly high level of penalties is considered to be unfair, per se by the Office of Fair Trading (OFT), who reported on the 5th April 2006, and they are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

 

If you maintain that your charges are not unlawful, then please demonstrate this by letting me have a full breakdown of the costs, to which you have put as a result of any breach of contract by me, in order to reassure me that your penalties really do reflect those costs.

 

 

These costs will include evidence of, for example, telephone calls (not sales calls), manually (not automated) produced letters, meetings, scheduled visits either to your branch, or to my house, and other activities.

 

I am willing to pay actual, proven costs only.

 

 

Your responsibilities

 

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves in a manner which complies with UK law.

 

 

I have banked with NatWest for a number of years. I had always respected the Bank, and am shocked, and greatly disappointed that you have operated my account in this way.

 

 

I had confidence in your integrity, expertise and your fiduciary responsibility to me. I have complained about your charges on a number of occasions and have said that they seemed excessive. I consider that your repeated representations that your charges are fair and reasonable, are in fact quite deceptive, and that they have deceived me into agreeing to pay them.

 

 

The high level of charges has, been part of the root of my continuing overdraft, and breaches of my limit on numerous occasions, and have kept me in a vicious circle of charges/overdraft/more charges: in short, your charging regime obliged me to continue paying amounts far in excess of your true liquidated losses. Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

 

 

 

What I require

 

 

I calculate that you have taken £4,***.** in charges since ** month 2002. With contractual interest at your own rate of 29.69% for unauthorised borrowing amounting to £5,***.**, I find the total at 2 February 2007 to be, £9,***.** This sum takes into account earlier refunds of charges, which are also included in the summary provided. (See enc.)

 

 

You will note that I have included interest at the unauthorised contractual rate. I enclose with this letter a schedule of the charges that I am claiming, which are extracted from the statements supplied by you to me, either in paper or in electronic form from your on-line banking website.

 

 

I feel I am right to request interest from yourselves at the same unauthorised rate you charge me, as these unlawful charges are what I would class as unauthorised borrowing.

 

 

My targets to resolve this matter

 

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing to you in the hope that you will prefer to do this, rather than merely respond with standard letters and leaflets.

 

 

I give you 14 days from date of delivery,6 February 2007, to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours, with dedicated technical and legal resources.

 

 

After that second deadline, I shall issue a Court claim without further notice for the stated amount plus continuing contractual interest at the same rate.

 

 

 

Yours faithfully,

 

 

 

 

 

 

 

 

 

 

 

 

first middle surname.

Enc.

 

 

I'd just like to say a big thank you to Westy for his help too :-D

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HI petrafyde, although i am no expert, it sounds pretty good to me, good luck with your claim i hope it goes well,:D

:)I am not an expert at this, any advice i give is from reading posts on this site, its all in here somewhere :)

 

:) If i have helped please click the scales:)

 

NatWest Settled 16th february 2007----£3902.67 All charges, costs and s.69 interest

 

MBNA- S.A.R - (Subject Access Request) sent 25th March 2007

MBNA missed deadline, LBA for SAR sent 8th May 2007

CCA request sent 8th May 2007

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It'll do just fine. Not that they'll take much notice, but who knows, their tactics are changing everyday.

Let us know what response you get.

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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You're welcome - anytime.

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi Petrafyde!!

I wish you all the very best in getting back your money!!It is great to read your thread and see how much you have grown in confidence!!! I will continue following your thread with great interest as we too are claiming money back from Nasty west and have been in similar circumstances with overdrafts etc.

Many kind regards Trish :-)

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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good on you, so hopefully next week, i can say congratulations on a win, seems to be faster on the money these days.

 

 

Hang on, this is me we're talking about and nothing is ever easy for me unfortunately!! PLUS I'm claiming the interest....so I'll expect a big fat no, anything else will be a bonus :D

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Hi Petrafyde!!

 

 

I wish you all the very best in getting back your money!!It is great to read your thread and see how much you have grown in confidence!!! I will continue following your thread with great interest as we too are claiming money back from Nasty west and have been in similar circumstances with overdrafts etc.

 

Many kind regards Trish

:-)

 

 

Thank you Trish, will go find your thread! Good luck!!

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Glad to see you're doing well.

 

Keep us posted and good luck.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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