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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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The Funding Corporation PPI


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I took out car finance with the Funding Corporation and was told that i had to take out PPI. The PPI premium was £1940.75 which i pay monthly at an APR 0f 40.3%

 

Can anyone tell me if i am able to cancel this Insurance? I have read my terms & conditions for Information about cancelling the PPI but cannot find anything. Also do you think it is worth trying to claim all my PPI payments back??

 

Does anybody have a template for a letter to cancel?

 

Thank You In advance

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I took out car finance with the Funding Corporation and was told that i had to take out PPI. The PPI premium was £1940.75 which i pay monthly at an APR 0f 40.3%

 

Can anyone tell me if i am able to cancel this Insurance? I have read my terms & conditions for Information about cancelling the PPI but cannot find anything. Also do you think it is worth trying to claim all my PPI payments back??

 

Does anybody have a template for a letter to cancel?

 

Thank You In advance

 

Hello,

 

Please read this sticky it is extremely useful to decide whether you feel the ppi was mis-sold to you.

 

PPI - Some Notes for Claimants

 

This is new info and equally important to read

 

PPI Claims

 

See what you think after you read these.

There are a few letter to send re canceling your ppi about the different threads.

Ask if you need help

 

Good luck

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 1 year later...

Hello, i work for a company who deal with PPI and ASU claims ... i have read that some people are being charged for claiming back their payments ... we do not do this. we are NO WIN NO FEE. If anybody would like any more infomation please dont hesitate to email me ... {[edit]

Edited by freakyleaky
Watch out, there are Claims Touts about!
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Please read the site rules Laura.

 

Forum rules. Please read these before posting

 

A topic/post will be edited or deleted if it contains:

 

Touting for business in any way

 

Offering to advise members by PM or email without good reason - If it is felt that a subject is "sensitive" and would be better discussed off-forum, we ask that members contact a member of the site team BEFORE asking for contact details. This rule is in place to protect our members from claims touts, and also to ensure that any advice given is open to debate, qualification, and where necessary, correction.

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  • 1 year later...

Hi all

 

going through a lot of crap with this firm,i've been paying since Feb 06, I have a new car now so i spoke with TFC and asked can i early terminate(only have a year left to pay) their answere roodley was I can not settle early as the contract is a BILL OF SALE not HP.

any advice on this?

ps

Gillypam if i have to pay it off am gonna pay 50pence per month lol

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i would advise anyone considering claiming back ppi from TFC to go for it, but be prepared for a dirty fight and use the FOS, they are still very good despite what some say, TFC will fight you every step of the way and even when you win they will still keep trying with the most underhand tactics to avoid paying you, they are cocky and threatening and they like to try and re write financial law, keep your cool, don't give up and make sure you keep every letter and record the details of every phone call, also keep notes on who you speak to and what dept they are from, i am still fighting them and i won my ppi case almost 5 months ago!!.

GDC

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**Update**

 

TFC have refused my claim for PPI twice so I have tried a couple of PPI "No Win No Fee" claims companies. Both of the PPI claim companies have returned my claims to me and have told me that the only way forward is to use the FOS. Unfortunately because my PPI was taken out in 2004, TFC apparently wherenot regulated by FOS.

 

Any suggestions on my next move?

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I would try submitting a complaint to the FOS anyway and see what happens, they may look at it on merit if it is a strong claim, just because TFC were not regulated before 2004 doesn't mean they can do what they like, give it a try and see what happens.

GDC

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I would try submitting a complaint to the FOS anyway and see what happens, they may look at it on merit if it is a strong claim, just because TFC were not regulated before 2004 doesn't mean they can do what they like, give it a try and see what happens.

GDC

 

 

It has been over 18 months since i personaly asked TFC to refund the PPI although a couple of claims monkeys have tried recently. Should i try for 1 more final time before i use the FOS?

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Thanks gavv8

 

I am also thinking of using the PPI refund as a trading tool...... I have after 2 years got the TFC to remove £838 charges they have added to the account. They have told me that they will add the charges back on again if i do not pay the outstanding balance by the end of June.

 

Now the PPI is more than the outstanding balance so I may ask TFC rather than dragging the PPI and charges out would they write the balance off and consider the matter closed.

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  • 4 months later...

Hi there,

I am also a victim of The Funding Corporation Loans. I took a personal loan of £6,000.00 with company on 24/2/2004, on the phone, so I was told was that the number of years the loan will take and also how much I will be paying per month. I was also told that the credit agreement will be couried to my house (biker) who brought the agreement and stood there for me to sign and then take the original back so to be honest I did not have time to read the agreement at all. Because of the way PPI has been highlighted recently, I decided to find out whether my loan had ppi and guess what yes my loan had ppi which I did not know about. This is the way the credit agreement stated

PP1 £2,884.40

Loan £6,000.00

Interest £2,487.60

Total £11,352.00

========

 

Payment per month £189.20 for 62 months - APR 9.9%

I settled this loan 30/6/2004 - settlment amount - £9,252.73

 

If anyone on this thread has similar case or knows how I should go about this please help me. From previous threads, I know they are a hard nut to crack so I need alot of help to deal with them. Thanking you all in advance.

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post 2 applies

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Kabulya,

 

According to my calculations and in line with the FOS guidelines your claim should be:

 

PPI: £2884.40

Compound interest: £811.93

8% on monthly repayments: £1,173.41

8% on total since settlement: £371.05

 

Total claim = £5,240.79

 

Now go get your money back.

 

DJ

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Hi DJ,

 

Many thanks for your encouragement. I have drafted a letter to send it to them by special delivery on Monday morning. I will keep you posted when I receive a reply from them.

 

Thanks also for calculating how much they owe me. I want that money now.

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Hi DJ,

 

As promised to come back to report reply to my complaint letter to Funding Corporation, it arrived this morning 8/10/2010, below is the content of it:-

 

Thank you for your letter dated 4 October 2010.

 

You entered into the Credit Agreement on or around 23 February 2004. The basis of your claim is that you were mis-sold Payment Protection Insurance (PPI) on or around the same date. As more than 6 years have passed since the date of the alleged mis-selling of the PPI, your claim is statute barred pursuant to Section 5 of the Limitation Act 1980.

 

Due to the date that you were sold PPI we also do not believe that your complaint falls under the jurisdiction of the Financial Ombudsman Service,

 

Signed by Complaints Officer.

 

DJ - any ideas on what to do next.

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wrong

 

PPI complaints are coverd by section 32c

 

'when' you became aware'

 

not from the date of contract/agreement.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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39. Section 32 of the Act provides, so far as relevant:

"(1) …. where in the case of any action for which a period of limitation is prescribed by this Act, either—

(a) the action is based upon the fraud of the defendant; or

(b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or

© the action is for relief from the consequences of a mistake;

the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. ….

 

 

dx

Edited by dx100uk
opss missed the imp bit!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the FOS will love that quote esp if you have the agreement too!

typically now if you have the agreement, the FOS make to Co. cough.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX,

 

I now have the agreement plus the letter, I think it would be pointless to write because it would just be dragging things so to be honest I should just contact the FOS with copies of my agreement plus this letter - what do you think. Any suggestion on how I should word the letter to the FOS?.

 

DX - you are a treasure - thanks for everything.

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it'l drag anyway even if you go to the FOS

 

pers i'd write the woman back and point out the crass error and the need to research things before trying to fob-off customers.

 

 

your 1st letter from the FOS would only be have you got a final responce from the OC yet anyhow.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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