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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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just about to take on lloyds tsb but need some advice


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Hi Everyone,

 

just won against black horse ( well im waiting for the cheque to arrive -fingers crossed as they said they would pay up) and i am just about to tackle lloyds tsb but i want to add contractual interest to my charges. the only thing is im not sure what APR % rate to add on the spreadsheet.does anyone know how i find out what APR rate lloyds would have charged ? i have looked on lloyds tsb website and cannot find any info on unauthorised o/draft rates

 

paul

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Hi Paul,

 

You should find the information you need here under personal overdrafts: Lloyds TSB - Current account rates

 

The unauthorised borrowing rate is 29.8% and the authorised rate varies depending on which account you have.

 

Good luck and if you need a good spreadsheet then Mindzai's is very good: Download v1.9

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Hi Lucid.

 

Thanks very much for that, i have downloaded Mindzai's spreadsheet and it was the bit on the first page where it asks you to enter the interest rate (APR) that got me a little lost as i was unsure what to enter. i found on the link you provided that unauthorised overdraft interest rate is 29.8% and i have a select account with them but as all the interest lloyds charged me over the past 6 years was due to unauthorised overdrafts then thats what i gonna go with.

 

now its just the case of adding all the info to the spread sheet

 

thanks again Lucid

 

 

regards

paul

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i have just added my details to Mindzai's spreadsheet however im a little concerned that i have c*cked it up a little. the figure that i am owed from july 01 to today is 3005( this i know is correct). when i add the info onto the spread sheet it calculates the interest owed as being over 4000 at 29.8 % APR which means my claim is boosted to over 7 grand which seemd a little high to me. also if this is the case i assume that i wont be able to go down the small claims track as its over 5000.

 

can anyone clarifiy if this is right or not please

 

regards

paul

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Hi Paul,

 

That's the effect of contractual interest. It is compounded at the unauthorised borrowing rate and your earliest charge is from about 5.5 years ago, so it will amount to a lot. If you want Mindzai to check it then PM him but I'm sure it will be right. If you are concerned by the amount you could see how much interest the authorised rate produces, although I don't think the argument is as strong with this rate. Or you could just stick with statutory interest.

 

Take your time to thoroughly research contractual interest and the reasons behind claiming it. It probably won't keep the claim in the small claims but I have seen people confidently win at the next one (I think I've completely blanked on the name but possibly fast track?). If you are very confident that you can present a strong argument for contractual interest then that's a good sign, but if not then carefully take your time to consider the best option for you.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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hi i have just started to try and claim agaist lloyds tsb for charges to my bank accounts i am only at the early stages and have just sent my letter req bank statements off i am kinda worried about it all as reading through as much of this as i can while at work is getting rather confusing.:shock: pm

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Hi Lucid

 

thanks, im currently adding all the details into the spreadsheet and on monday i will be contacting my local court to ask a few questions regarding the "fast track" and the cost of going down this route compared with the small claims track

 

i can now see the figures are correct i just didnt realise the effect of compound interest

 

thanks again

 

paul

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Personally I would not bother to phone the court to ask for advice such as this, try this:

PART 46 - FAST TRACK TRIAL COSTS

 

Some interesting, although alarming cases regarding unfavourable costs orders:

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/27030-harsh-letter-received-kensington.html

http://www.consumeractiongroup.co.uk/forum/mortgage-companies/19662-maroonfox5-mortgage-express-lost.html

 

I fully understand that the cases above do not concern bank charges, but mortgage redemption penalties and the contractual position (indemnity costs) differs considerably.

If I have been helpful please click on my star and add a comment.

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Hi GuidoT.

 

well after reading those cases i have decided to have a serious re-think as my partner had our second baby 10 days ago we dont have much spare cash and could not afford a loss such as the ones sustained in the links you posted. i think i will stick to the tried and tested method of claiming the 8% CCA interest as the claim is already 3005.00 without the interest so i cannot afford to play around and lose it.

 

thanks for opening my eyes

 

regards

 

paul

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It was not my intention to directly put you off, just to make you aware. I would emphasise that these cases do not concern bank charges and others facts distinguish them.

If I have been helpful please click on my star and add a comment.

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Hi GuidoT,

 

i am grateful for you bringing this to my attention. it is obviously a risk to go down this route and while i appreciate that the cases are distinguishable i dont want to be the one that sets a precedent in this area so to speak especially now we have a new baby, so i think its safe to stay in the small claims track where there is no chance of me losing loads of money in costs if i did lose and i think i will shelve the contractual interest at this point. i will however add it to my claim against the woolwich as the interest makes it just under the 5000 limit

 

regards

 

paul

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