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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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Zorba The Freak v Nationwide


Zorba The Freak
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hi zorba, and welcome to cag, firstly please be sure to read the faqs, people on this site are very friendly and if they can help you they will, post any questions you have and follow the step by step instructions, also post your progress as this in turn helps others who are just beginning their claim, dont be afraid to ask questions no matter how trivial they may seem, believe me i asked some corkers!! best of luck to you x

please be sure to read as much as you can, you do not your claim to be thrown out for not giving them enough time stick to your timetable and dont be swayed by the responses you recieve from nw they are just standard letters which we have all had, no personal responses from them!!

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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zorba, if you have a debit card you can call them and ask them to take payment from that, if not send a cheque or postal order recorded delivery tomorrow, they will write to you and tell you that in order to get your statements you have to pay, so rather than wait for a reply send it off soon as. x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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hi zorbra, welcome to CAG, i see you have met lori1 ~ worth her weight in gold, a mine of information!!! hi lori :)

glad to see that you sent your letter off recorded delivery, even if you did forget the cheque! but never mind you can check on line who signed for your letter by going on royal mail web, and then add this information in a letter when you send your cheque, also by recorded.. then this way they can tie them together without wasting too much time..

 

keep reading the FAQs & threads, remember knowledge is power, power is courage to take the banks on and win the CAG way..

people on here are really friendly and always willing to help.. if your not sure then ask ~ blimey i've asked some questions, lori will vouch for that!!!:o

keep us posted and good luck :)

  • Haha 1

 

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OK, that's my 2nd "letter 1" sent today by recorded delivery after my small mishap of sending the 1st one with no payment !!!

Call me crazy, but what does SAR stand for ?. I'm new to all this forum stuff so please excuse me if I seem slightly green.

Anyway, that's the 40 day clock ticking now ... stand by

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  • 4 weeks later...

Got a letter from Nationwide today responding to my 1st SAR letter sent on 26th March, saying that payment of £10 was required. I sent payment by cheque on 27th March with another SAR letter (see above) and it has been cashed, therefore I expect they'll respond to that one instead.

All fingers & toes crossed !!!!

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hi zorba i would give them a call and point out that they have already had payment, best of luck x

PLEASE HELP OTHERS, WHEN YOU WIN YOUR CLAIM GIVE A LITTLE BACK

 

 

Nationwide **WON**- £3,880.00 14/03/07

 

Nationwide Claim 2 LBA sent 13/03/07

 

 

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That's my letter off to them today, stating that they already have my payment. I sent a letter as I don't have a phone number for them (Data protection Administrator in the Statement Subject Access Team). Anyway, they provided me with a nice pre-paid envelope, so I'd be as well using it !!!

If it's any use to anyone, the address is:

 

Data Protection Administrator

Statement Subject Access

Nationwide Building Society

NW5001

Newcombe House

Swindon

SN38 1NW

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hey mate,

 

i got the same pre-paid envelope as well at the weekend (i made mistake on first SAR letter) but are you going to use it or go with recorded delivery. My envelope is complete with a ref code...so dont know if they are expecting it and have my details on file already

Andy

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Hi Andy,

 

I just used the envelope "as is", in the hope that it's right (and I've ran out of stamps)

 

It had a reference number on it, highlighted in purple highlighter pen for some unknown reason. Probably means "put to the bottom of the pile" or something like that" !!! :)

 

Cheers

 

ZTF

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  • 2 weeks later...

Does anyone have a phone number I can call to find out if they have actioned my SAR, as the 40 days is up on Sunday this week, and I would rather pre-empt any problems rather than waiting for the 40 days to come and go.

 

Ta

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Recieved my statements from the Nationwide yesterday, by special delivery - TOTALLY BLANK !!

They sent me 1 piece of paper with the wrong account number on it, detailing nil charges !!!

I've sent them back this blank statement with a covering letter detailing this error, and giving them until wednesday 16th May to get the proper info requested and paid for to me, or I will write to the Financial Ombudsman detailing their non compliance.

I hate waiting !!!

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  • 2 weeks later...

Right then,

That's time up I suppose. No info as requested in the post today.

 

I now need to suss out the best course of action.

 

I can see from my online banking which allows you to go back 15 months, that there is approximately £600 of charges in that period. Am I best to start claiming this lot, whilst chasing them for the entire information that I have requested & paid for, but never recieved. Then once I eventually get it, issue a separate claim ?

 

Oh one other thing I haven't already mentioned - I'm in Scotland, therefore I think that I'll have to do sevaral claims anyway because of the £750 Small Claims Court limit !

 

As another thought, is there a way I could rent an English address (Mailboxes etc) and then use MCOL for the whole lot which will probably total a couple of grand. Also, this would let me go back 6 years instead of the 5 years in Scotland ? Is this legal?

 

Thanks in advance for any advice offered

 

ZTF

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Hi Lori,

 

Can you let me know where to send the preliminary letter to request refund of charges.

I eventually got the list of charges from the Nationwide today, (over 2 grand !!!).

Also, as I'm in Scotland, is it best just to break down my claim into smaller claims and go through the Scottish Court system if (and when) they tell me to f off which I'm fully expecting ?

Thanks

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Hello Zorba The Freak!

...as I'm in Scotland, is it best just to break down my claim into smaller claims and go through the Scottish Court system if (and when) they tell me to f off which I'm fully expecting ?
There has been at least one recent Claim that has been STRUCK OUT cos it was deliberately split into more than ONE Claim, so as to get around the Scottish £750 limit.

Read through some of the Threads in the following link to weigh up ALL your options...

http://www.consumeractiongroup.co.uk/forum/scotland/

  • Haha 1
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Hi Guys,

 

Thats my preliminary request for repayment of charges sent today by Recorded Delivery to Pipers Way address. Claiming over £2,400, so fully expecting to be told to poke it !!!

 

14 days given, which ends on 6th June (my bithday - what a prezzie that would be)

 

Will keep you posted as and when (and if ) I hear something.

 

Cheers

 

ZTF

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  • 2 weeks later...

Friday 1st June. As expected, recieved a very nice letter saying how sorry they are, an dhow much they realise this is disappointing, however they can't agree to any refund - WHATEVER !!!

LBA being prepared and will be sent recorded delivery on Monday. Let the games begin ;)

 

Considering renting an English address (Mailboxes etc) for 3 months (£60 ish)so I can use MCOLi nstead of risking the Scottish system. Don't have a problem heading south to court should the day come. Will probably rent a London address so I can fly easyjet on the cheap.

 

Will keep you all posted.

 

ZTF

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...Don't have a problem heading south to court should the day come. Will probably rent a London address so I can fly easyjet on the cheap.
Low-cost airlines are only that, if U can manage to book several weeks/months in advance.

With the summer peak season fast approaching, am not so sure the flights ex-Aberdeen-Luton will be as cheap as U think.

Especially if U have to attend Court on a given day, giving U NO flexibility.

Many other Scots also use Luton as a hub change for further flights to the Med.

Your welcome to try though.

Just remember it's a return ticket U need.

...There's enough 'skirt wearing' blokes in the South as it is!...lol...:D:p

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Hey MTM,

 

For 2 and a half grand, I'll quite happily don the tartan skirt, paint my face blue and march south south of the border if necessary to face the enemy that is the Nationwide. That would raise an eyebrow in court, eh ? Imagine the headlines "Mad Jock with swollen feet turns up in London Court after 500 mile hike !!!" Ha Ha Ha :)

 

"Every pennie's a prisoner :cool: "

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