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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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    • 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.

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Bank Charges


deeks1
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Hi Everyone

 

I have thoroughly enjoyed reading the informative contributions, great site why oh why didn't I discover this site last week.

 

We recently took the decision to attempt to get our bank charges which we believe to be somewhere in the region of £2000+ over the last six years. I posted the request for statements at the end of March 2007 obtaining the address from Barclays call centre, unfortunately after checking this site today, it would appear to the address is incorrect. Any advice on what I should do? Secondly reading Wilkins thread really interested me because I was unaware we could claim for more than the six years. As I have just made a request for statements going back six years, do I send another letter asking them to disregard the initial letter and requesting statements going back to 1992. Advice please, I have sent a cheque for £10 with the original letter. Your advice please.

 

Thanks in advance

Deeks1

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Hi Deeks1. In the first place I would only recommend you go back 6 years, there are people trying to go back farther, but the process is complicated. If there are any Mod's watching this, Please corrected me if I am wrong.

In your 1st attempt I would just go for 6 years.

 

I have found that all correspondence to Barclays ends up at the same place, so I would not worry about this, give them their 40 days and be ready with, if you need it :- http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

This is only my opinion, I hope it helps

 

Lex

 

Please see :- http://www.consumeractiongroup.co.uk/forum/barclays-bank/42260-alex-barclays.html?highlight=alex+v

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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i would send them a reminder on around the 30th day, then after the 40th day if you havent received your statements then i would complain to the ICO, and send them the lba for unknown/estimate amount.

 

lisa

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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Hi Deeks1. In the first place I would only recommend you go back 6 years, there are people trying to go back farther, but the process is complicated. If there are any Mod's watching this, Please corrected me if I am wrong.

In your 1st attempt I would just go for 6 years.

 

I have found that all correspondence to Barclays ends up at the same place, so I would not worry about this, give them their 40 days and be ready with, if you need it :- http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

This is only my opinion, I hope it helps

 

Lex

 

Please see :- http://www.consumeractiongroup.co.uk/forum/barclays-bank/42260-alex-barclays.html?highlight=alex+v

Hey Lex, thanks for your advice I appreciate it, I thought given the success of Wilkins who claimed back to 1991. It was worth a try??

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HI, Don't know if this is useful but if you go into your branch a lloyds account you can ask for a print off of your charges for the last 6 years it has details on dates,amounts and interest and its free.

They will try to fob you by saying you need to pay £10 for statments but you dont ,it has the same info on charges just like your statments and you get them on the spot.

Dont know if other banks do it>

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Hi All, Thanks for your advice (I am following your thread with great interest Alex - thx for the link), I am really interested in understanding how to pursue claims going back further than the 6 years. Do we initially apply for the six years and then once successfully recieved then apply for the charges going back further????

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Thats what I would, deeks. By just going back for the six years charges you will learn so much about the way the claiming system works. You will then be more confidant to take on what appears to be a very complicated legal battle. I will keep a eye on your thread and try to point you to some very helpful people if you need their help.

 

Alex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Once again assistance is needed in prove reading this letter I am about to send off. Your advice and opinions would be greatly appreciated, thanks in advance.

 

Dear Sir

 

I am contacting you with reference to my letter dated the 28th March 2007. I made a Subject to Access Request under the Data Protection Act and gave 40 days for the information to sent, to date I am yet to receive any response.

As per the Data Protection Act, you are required to disclose ALL information you hold on me. I therefore require information going back as far as you hold. Please note I am aware that the Limitations Act has no bearing here and I will now not accept 6 years statements as a completed Data Protection Act request.

 

I am allowing an additional 7 days to respond to my request, before seeking a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

Cheers

 

 

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Lots of contributors to this site have written evidence that Barclays keep their information on file for 12 years.

 

Let them know you know how far back their records go.

And remind them that your request was properly served, with the necessary payment etc.

 

(They sent me 6yrs info initially, I've written back asking for the rest, but nothing so far... I can feel a court visit coming on....:D )

 

;)

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Thanks a lot oneofakind.

 

I have also seen threads were they have gone back further than 12 years(not sure whether it was in this forum or another bank).

This being the case I am hesitant to include your info.

 

I really would like to hear from others also, is there maybe more generic type info I could include? I would like to get it to post today.

 

Many thanks again.

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See http://www.consumeractiongroup.co.uk/forum/general/80683-please-post-how-far-10.html for latest information on the policies of each bank.

 

Tell Barclays '...I am aware that you hold this information for at least 12 years...' or similar.

 

you're not commiting yourself to anything, just letting them know they've more than 6.

 

;)

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Hi Deeks,

 

I am now chasing H.S.B.C for 6 years plus charges. Have a look at the S.R.A. that myself and many members of the site have put together :-

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-788922.html

 

If it helps, feel free to adapt it to suit your needs.

 

Regards,

 

Alex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Everyone

 

Calling on all expertise again.

 

Sent the following last week:

 

Dear Sir

 

I am contacting you with reference to my letter dated the 28th March 2007. I made a Subject to Access Request under the Data Protection Act and gave 40 days for the information to sent, to date I am yet to receive any response.

 

As per the Data Protection Act, you are required to disclose ALL information you hold on me. I therefore require information going back as far as you hold. Please note I am aware that the Limitations Act has no bearing here and I will now not accept 6 years statements as a completed Data Protection Act request.

 

I am allowing an additional 7 days to respond to my request, before seeking a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

 

Still no response. I am getting really worried now, what do I do now? and how do I go about doing it?

 

Thanks Everyone

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Hi Deeks,

 

Time to think about this:-

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-38735.html

 

On reflection see post below

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Deeks,

 

I would now try this, :- http://www.consumeractiongroup.co.uk/forum/show-post/post-38735.html

 

Amend it to suit your details and send a copy to Barclays. Give them 14 days to reply or you will file at court. When the first 7 days are up, ring them and remind them what you are going to do and send this :-

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

Remind them you are going to file !!!

 

You might like to post your letter's before you send them for us to have a look at?

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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