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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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Mbna - Properly Executed Agreements


Cornucopia
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I recived my CCA request today ( day 12 )

They sent me a photo copy of application form from 1999

bottom right hand corner has my sig inside a box titled reg. by CCA 1974 and sig makes me legally binded. Rest of photo copy unreadable as for T&C.

 

Don't know what next move to be any suggestions. I was looking section 77a and 78a and thinking that they have not supplied this info.

 

An application form is not acceptable as a true copy of the executed agreement as it is missing the prescribed terms ie : credit limit, apr and repayment schedule. Refer to Rt Hon Ian McCartney's letter stating that an application is not acceptable as an agreement. Check T&C's carefully as MBNA sent me 2003 T&C's for a 1996 card.

 

It would be great if you could post it.

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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ah no the 12 working days are not up until this time next week... grr.

 

anyway does anyone know where I can get a copy of the consumer credit (agreements) regulations 1983 in pre 2004 amendment form? this is the stuff that we rely on to make the agreements unenforceable. if you look at my thread I'm trying to include all the relevant laws as I go.

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I have a copy (yet to be scanned) i'll try to do it and email you as soon as

 

or you can get one from the stationary office (ex hmso) for £6.10

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hello chaps and chapesses

 

Thought all you on the non compliance of Subject Access Request trail against MBNA would like to know that the Information Commissioner has found in my favour and they are in contravention of the sixth principle of the Data Protection Act.

Now just how are they going to carry on with their defence? Eh?

Eh?

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Hello chaps and chapesses

 

Thought all you on the non compliance of Subject Access Request trail against MBNA would like to know that the Information Commissioner has found in my favour and they are in contravention of the sixth principle of the Data Protection Act.

Now just how are they going to carry on with their defence? Eh?

Eh?

 

 

Now isn't that the BEST NEWS EVER!!!! Confirmation of what you'd said all along!!

 

Now lets see them wriggle out of that one :D

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Guest Battleaxe

Another is it a horse or is it a goat scenario described Peter Bard. It is an agreement as per Ian McCartney and the DTI

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Another is it a horse or is it a goat scenario described Peter Bard. It is an agreement as per Ian McCartney and the DTI

 

P, sorry I might have misunderstood you, you say this IS an agreement?

 

It looks like an application to me and with cut and shuffled T&C's.

 

xx

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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well to me, it looks like an agreement :(..... * IF * those t&c are attached to that doc, otherwise there are NO prescibed terms on it. Are they on the back of it ??

 

I cant see the writing to confirm if it makes reference to the t&c (it probably would though)

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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well to me, it looks like an agreement :(..... * IF * those t&c are attached to that doc, otherwise there are NO prescibed terms on it. Are they on the back of it ??

 

I cant see the writing to confirm if it makes reference to the t&c (it probably would though)

 

dave

 

 

Guys, is it me, or does it say APPLICATION FORM in big letters at the top. Where are the prescribed terms? Granted they are being a little more savvy by adding on T&C's, when I first got mine, there were no T&C's attached and then they shot themselves in the foot by sending T&C's from 7 years later. Why on earth would the T&C's be squeezed down the side of a sheet of paper telling you how bloody great they are??

 

I would study this document carefully to check for reconstruction.

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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IN the T&C the max apr is 16.9% so can anyone tell me how I have been charged 22.9%

 

Hi Cam, you need to study this document to within an inch of it's life! MBNA sent me two lots of T&C's (by mistake I think) with two different sets of APR's but all purporting to be from the same document.

 

Go through this very carefully!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Here is the one which is very similar to Camusers which the Main Woman received, T&C squeezed in down the side promo on the back but why is the signature and the date separate?

I wonder if MBNA would allow it if you asked for a viewing of the original document at Chester Towers to verify what they sent you? as MBNA haven't declared in writing that this is a true copy unlike the Morgan stanley CCA which I received.

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF04052007_00000.jpg

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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Evenin' all. I was reading through this thread a couple of weeks ago and suddenly it prompted me to send a CCA letter to MBNA. I got their reply this morning and I think it might be a case of another unenforceable agreement. I'm not sure though so if any of the experts on here could spare the time to nip over to my thread Fred Bassett v MBNA then I'd be very grateful.

 

Cheers.

 

Fred

 

ps: got to go out soon (working behind the jump for a few extra quid! Oh Joy!), so I won't be back until the wee small hours.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Evenin' all. I was reading through this thread a couple of weeks ago and suddenly it prompted me to send a CCA letter to MBNA. I got their reply this morning and I think it might be a case of another unenforceable agreement. I'm not sure though so if any of the experts on here could spare the time to nip over to my thread Fred Bassett v MBNA then I'd be very grateful.

 

Cheers.

 

Fred

 

ps: got to go out soon (working behind the jump for a few extra quid! Oh Joy!), so I won't be back until the wee small hours.

 

 

Hi Corn

 

You have to see this to believe it.......:)

 

its one of the worst copies i've ever seen, talk about illegible !

 

AND they have signed across his sig box (V NAUGHTY and wrong)

 

they're in trouble with this one

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi Corn

 

You have to see this to believe it.......:)

 

its one of the worst copies i've ever seen, talk about illegible !

 

AND they have signed across his sig box (V NAUGHTY and wrong)

 

they're in trouble with this one

 

Dave

 

Dave, hello love, I have just been over on Fred's thread and seen it. Dear oh me. Do they never learn?

 

I think the crunch will come with what they send next.

 

More hashed up bits and pieces no doubt!!!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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