Jump to content


  • Tweets

  • Posts

    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • 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

Lucy V Lloyds ***WON***


Elmo South
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6199 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I'm helping my partner reclaim charges from LLoyds TSB and also giving them a good kicking via the Ombudsman about several other matters.

 

So far we have:

calculated charges & asked the bank to repay them;

Bank refused saying all charges were fine & dandy.

Wrote to bank giving final chance; no response.

Added interest at the bank's unauthorised overdraft rate, filed a claim at MCOL,

Claim acknowledged.

Letter from bank saying although charges were all legal, above board & reasonable they would repy £750.

Next day, copy of court defence received stating that bank believed everything was OK &legal & no paymnet was due.

Hmmm left hand obviously not aware right hand is handing out £750.

 

From reading posts on this website & penaltycharges .co.uk. this all seems to be following a standard pattern so things are looking good.

 

Just a note for anyone who is getting a bit downhearted fighting the banks.

DON'T GIVE UP - my complaints to the Ombudsman have been going on nearly 2 years but I am now winning & showing they have consistentkly lied.

 

Elmo South

Link to post
Share on other sites

Hi and welcome :)

you seem to know exactly what you are doing

Please keep us informed on your progress

I will move this thread into the LLoyds forum for you

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

Wow Janet, that was a quick post!

I wasn't sure how to get my thread in the correct Forum - are there any idoit guides please ?:confused:

 

I have read a lot before starting the claim & I don't think the importance of this can be emphasised enough.

 

We have got the A/Q form N149 & the Court has already allocated this to my partner's local court. We have until 26 Feb to file.

 

I've just read the instructions about completeing the A/Q Form N149.#The only problem bit will be Section G. I've copied the wording about Small claims & standard disclosure OK.

Is it worth putting in any refernce to the Orders made by Judge Tooms in Lincoln & "respectfully asking the Court to consider striking out the defence" etc?

 

Do we need to send copies of the charges & interest schedules to the Court or the defendants at this time? The bank have had a copy of the charges but not the compound interest schedule.

 

Thanks

Elmo South & Lucy

:)

Link to post
Share on other sites

I can't call it an idiot guide or I will be in trouble :) but here is the guide you may be refering to

Is it worth putting in any refernce to the Orders made by Judge Tooms in Lincoln & "respectfully asking the Court to consider striking out the defence" etc?
No not at this point as they have done everything they should so far haven't they ?

 

Do we need to send copies of the charges & interest schedules to the Court or the defendants at this time? The bank have had a copy of the charges but not the compound interest schedule.

Yes send both of them to both , but you should also of sent it at each stage

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

  • 2 weeks later...

Have just read the New Stratergy for AQ thread & will be submitting the draft order for directions. The AQn has to be in by 26 Feb

I'm also looking at the Court Bundle.

Am I correct in thinking I just need to insert our details & index and then I can print off the rest of the Court Bundle ie the Cases etc referred to?

Do I need to go to the "outside" links & print off the information there too?

Link to post
Share on other sites

Have just read the New Stratergy for AQ thread & will be submitting the draft order for directions. The AQn has to be in by 26 Feb

I'm also looking at the Court Bundle.

Am I correct in thinking I just need to insert our details & index and then I can print off the rest of the Court Bundle ie the Cases etc referred to? Yes, also your statements with charges, any letters between you and LTSB, your latest schedule

Do I need to go to the "outside" links & print off the information there too? Yes.

 

But wait 'til you get your court date with directions to submit your evidence before printing it all off, just in case.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

Handed in the AQ on Thursday last with schedules of charges & interest & request for direction per Bank Fodders thread "New Stratergy on Allocation Questionaires".

Saturday morning received notification of Hearing Date first week in May, but nothing was mentioned about the direction that we had suggested.

Has anyone else had this? Does the Judge have to issue a Direction? Can we query why he didn't do anything?

Link to post
Share on other sites

That was very quick turnaround by the court.

 

No the judge does not have to issue it, sometimes it is ordered, sometimes it is not. The judge has not issued it for me - yet.

 

You should post up the entire hearing order so that we can see what other directions it contains (if any).

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

Link to post
Share on other sites

The only other thing the order contains is instructions that the court bundle must be provided to the court & the other party at least 14 days before the hearing & that original documents must be taken to the hearing.

 

Is it usually the judge that reviews the A/Q that will hear the case (if it gets that far)?

Link to post
Share on other sites

  • 4 weeks later...
  • 2 weeks later...

Rang SCM to see if Lloyds were going to pay up before court. Spoke to a man who said they were writing out on all cases with late April court dates. We should here soon as Court date is early May. He said if claim was just charges & interest on claim it would be paid.

Later spoke to a lady who said she couldn't find the schedule of charges we had sent & wouldn't comment when I referred to earlier phone call.

 

Hand delivered a copy of "missing" letter to SCM.

Will await their response as there is not long untill court bundle needs to be submitted.

 

Can anyone tell me, do we deliver the bundle to Sechiari Clark Mitchell,the solicitors, or to Lloyds TSB as they are the defendant? (I know we have to send a copy to the court as well).

Link to post
Share on other sites

Rang SCM last week, they are "very busy" (shame) & will ring back with 48 hours.

Did not ring back.

Rang SCM this week, complained about not ringing back - explained their time limit to serve documents had expired, we were happy to go to court. What did they intend to do?

They will ring back next day.

Link to post
Share on other sites

SCM actually rang back.

I asked what they intended to do.

 

They said they "had no instructions from their client at the present time" However they "did not dispute theschedule of charges" but "did dispuet the interest being claimed at the contractual unauthorised overdraft rate".

 

If their client was to make any offer it would be on the basis of interest at statutory 8%. If not they may proceed to a hearing.

 

As their defence was against the whole of the amount including interest, but the bank have already paid £750, could they go to court & argue only about the interest? Or would we be able to question them about the charges & costs too?

 

Additionally,if we decline any offer they make because it only has interets at 8% is there a chance we could get the full amount in court or is there a chance that the Judge could agree only the 8% and award costs against us becasue the Bank had already made an offer?

 

Any comments/opinions or links to relevant threads greatfully received.

Court date is 2 May.

Link to post
Share on other sites

If you are offered the charges + 8% then my advice would be to take it. IMO its highly unlikely that the judge would award anything other than the statutory rate, and in fact I am not actually aware of any substantiated legal basis for the claiming of contractual interest.

 

Further, Lloyds barrister has indicated to one of our users that they now intend to defend CI claims in court, so if you choose to pursue you need to be fully prepared that this may happen.

 

See this thread if you haven't already -

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

Letter from SCM received 28/04(dated 24/04) !!

Offering charges + 8% int to court date + court fees. Says that if you accept this in full & final settlement to ring them immediately - funny its now all become urgent as court date is 2/5!!

Also says that if we still intend to claim Contractual Interest, they will defend this in court.

I wonder how they would do this as they have no documents to refer to.

 

Do we insist that cleared funds are paid into the account/made avaiable before the date of the hearing? Other wise I could see the bank stringing out payment if they haven't got the threat of court hanging over them.

We will also be asking them to cover all the additional expenses as the have acted unreasonably.

 

Can we still go to court if the don't pay up before the hearing, and obtain judgement on the grounds that the Judgement would be "forthwith"?

Link to post
Share on other sites

My partner rang SCM this morning at 9.00 in response to their letter. She was told "They're all very busy" (wonder why) Could she ring back in an hour.

She rang back after a few minutes & gave her mobile number & told them to ring her to discuss teh offer. Asked if there were any conditions & would she get the money befor the hearing?

 

Surprise surprise no one has rung back!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...