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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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I'm getting fobbed off - help required!


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I started this process in November last year when I sent my SAR to Joyce Tudor at Retail Regulatory Risk in Edinburgh. I requested statements for my student account and my personal loan account (both now closed) and enclosed the requisite details i.e. account # and the £10 fee.

 

I got a letter back saying that I hadn't included enough detail so I responded with another letter to Joyce including my sort code and the "£5" fee that she said was required. The £5 cheque has been cashed, they have had a lot more than the 40 days I said I would allow them and yet I still haven't received any statements.

 

What should I do next? They are driving me crazy! I am thinking of addressing the SAR to my old branch manager what do you think?

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Danny, the bank has 40 days to fulfil your request and as soon as that has expired, they have failed to comply with your request and you are in a position to take them to court for non-compliance. I believe it is easy to do and once filed, the courts can force disclosure of the requested information and can also award you damages (though this is at their discretion).

 

If you have sent them two cheques (one for 10 one for 5) I'm a bit confused why they asked for the second one for a fiver, but be sure that the SAR and 10 pound you sent originally was all you are required to send - the 40 days started from the day you sent that letter and it has therefore be outstanding since that date.

 

Have a look on the forums for non-compliance claims - possibly in the library.

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If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I sent my first SAR with a cheque for £10. Their response (from Joyce E Tudor) was that they needed more account info and a cheque for £5 not £10 (the £10 cheque I originally sent was neither cashed nor returned). So I sent my second SAR with a bit more account info and a cheque for £5 instead - this was cashed but my statements haven't materialised and it's been over 60 days now!

In order to threaten them with court action for non-compliance wouldn't I need proof that my second SAR with more info was delivered - I foolishly sent it first class and not recorded delivery.

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Yes, the banking of it would be enough, but that cheque might not be relevant......

 

You see, a data access request is a request for all information that the bank holds on you the individual not on your account number. They don't need your account number to process your request and are using this as a delaying tactic. Your first letter with name and address should have been sufficient to process your information and the receipt of this letter including your £10 cheque is when your deadline would have started from.

 

Did you send the first letter recorded? If so then use this. If not, then as anni says, the proof is in banking of the second cheque and you will have to use this as your proof. Just to clarify....

 

Suppose your £10 letter went off 80 days ago and your £5 letter went off 60 days ago. If you sent the £10 letter recorded then use the recorded slip as proof of sending - your request has been outstanding 80 days. If you didn't send it recorded then use the cashing of the £5 cheque as proof of sending - your request has been outstanding 60 days.

 

On another note, I would give them 7 days to comply and if you haven't received anything by the 7th day, tell them you will be filing your claim on the 8th day. Don't let them get away with it!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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In due course the banks must run out of ways of delaying the requests that they receive but in the meantime we must keep to the stipulated timeframes and when they are not adhered to then report them to the relevant authority.

 

We need to let them know that the worm has turned.

PPMAN159

 

If this comment has helped please click on the scales.

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Ppman has just got me thinking, I would also make a complaint to the Information Commissioners Office. There is a complaint form on their website (search ICO in google).

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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What harm can it do.

 

I sent copy letters to them when I was getting no joy from Barclaycard last year so if we all do the same then hopefully action can be taken due to them being in breach of the Data Protection Act.

PPMAN159

 

If this comment has helped please click on the scales.

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Thanks for all the great advice - I think as neither of my SAR letters were sent recorded delivery, I will use the cashed £5.00 cheque as evidence that they have exceeded the allowed 40 day timeframe.

I think I will write a letter and this time send a copy to both Joyce E Tudor at Retail Regulatory Risk in Edinburgh (who my former correspondance was from) and my local branch manager (the name of which I have just got hold of after a cheeky phone call) and hopefully either one of them will pull their finger out and get the statements sent to me.

I am thinking of stating that I am conscious that they are using delaying tactics and that unless I receive my statements within a final 7 day time frame I will consider this non compliance to the Data Protection Act and that I will file a complaint with the Information Commissioner’s Office and the Financial Ombudsman and consider filing a court case in order to release the information - what are your thoughts?

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Excatly what you should put, well nearly. Don't consider filing a court claim against them, you WILL file a court claim against them!!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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The £5.00 fee sounds like a 'Historical Statement Charge.'

 

If they think that's what they are doing for you, and not a DPA-SAR then that's probably why they haven't bothered complying.....

 

Don't consider filing a court claim against them, you WILL file a court claim against them!!
Agreed, with nobs on
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I have just sent two letters off recorded delivery - one to Joyce E Tudor @ Edinburgh and one to my local branch manager stating that unless I receive my statements within the next 7 days I shall be filing an official complaint to the Information Commissioner’s Office, the Financial Ombudsman and I shall seek a Court order obliging them to do so together with damages at the discretion of the Court and without any further notice...Hopefully they will get the message!! I will let you know how it goes!

 

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indeed you can't!

 

It's all about calling your bluff - testing your knowledge, seeing how much you know.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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