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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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dar£n v B's beyond the thunderdome [ok 6yrs]


dar£n
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1120hrs:

T/c rec from Chris Day.

Chris

"sorry you are not happy about not receiving the statements....we are very busy"

Me

"so busy that you dont have time to READ the original S.A.R's and what people are ACTUALLY asking for....I have asked for data going back to the date the accounts were opened..."

Chris

"erm right is this in connection with reclaiming charges? "

Me

"LOL"

Chris

" well we dont actually print data off going back that far from here.....but because you have been messed around I will do it now for you"

??????

"you should receive statements going back to the date of opening for BOTH accounts in less than 7 days"

Lets wait n see.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Well done dar£n, i can see we are all going to have this same problem, you are very good in pointing the way, so it seems from day one there is going to be aggro, at least with you pointing the way we will now what to expect. again well done mate.

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comical.. I say why not get barclays to open up a comedy club, we would be so rich! Everyone would be besides themselves with laughter. As long as we follow a long standing tradition and charge for everything even things like 30 pounds everytime you laugh (we are providing the people with a service after all!

Barclays T&C Databse

RapidShare: 1-Click Webhosting

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excellent, well done Daz. Success at long last, mind you no statements on your doorstep yet. Lets all keep everything crossed and hope for once they are telling you the truth and you get them in the next 7 days.

 

Good luck.

:p

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hmm

 

I got the last six years again in reply to my SAR specifically asking for pre six years

 

anyhow called Customer Services on 0845 7555 555 and was put through to a pleasant woman in 'the relevant department'

 

she confirmed that the account was opened in 97, freely confirmed they held 12 years statements and told me she'd actioned the statements and they'd go into the post tonight

 

all very easy ...

 

shall I hold my breath?

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hmmmm interesting

I was told they would print off mine from the date of opening also .

 

however, this was 1993 [14 years]...jesus I feel old now!

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Daren

 

Letter Received yesterday from B's

 

Dear Mr Trucker

 

Further to your recent complaint regarding non receipt of statements, you advised us that you require copy statements from 1989 to 1998.

 

I can confirm that we are unable to provide data prior to 1995 as we are only required to hold data for up to 12 years.

 

Blah blah blah

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I have just sent an email to that reporter:

Ref your recent article

"More bank cases face strike out" [13/06/07]

 

You write:

"customers who believe they have been illegally overcharged"

 

Can I just say that as an active member of CAG.co.uk It is wrong to state that we believe the charges are "illegal" but we do claim they are "unlawful". We can not say they are illegal because nothing has been proved to say so. There is no basis to their structure and banks are fully aware of this and cannot defend so they are unlawful.

You write stories about judges throwing cases out against the claimants, well what about the judges throwing the banks out due to the blatant abuse of the legal system. We have written confirmation from Litigation Teams that they FULLY intend to settle the claim BEFORE it gets to the court room

 

Not only that cases being thrown out in the small claims court DOES NOT set a presedence for all other claims and this should be clearly stated. Thes people just want what is rightfully theirs. If they withdrew £30 more than they were entitled to doesnt the bank ALWAYS get it back?

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Anyway back to more important issues,, MY claim!

 

Those of you following will know that yesterday saw me on the phone to my NEW 'case worker' Chris Day.

 

We discussed a few things and he claimed he would get things sorted.

 

Todays post saw a bundle of statements sent from Liverpool [Chris's base]

These dated 1998 to 2001 with a covering letter:

I am aware that you requested your statements to be sent from the date both accounts were opened. 1993 & 1996. These dates are archived, so I am unable to enclose them today....I have now ordered the required statements for you and these will be sent under seperate cover.

 

Well give that man a ceeeegar [but dont let him light it yet!]

 

prob, is now, i was more well behaved back then and me charges are not as much as I had expected.

 

Oh well my money is my money and I want it back thank you..

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Why not just take them to court for non-compliance with the DPA ? I did and they paid my DPA claim straightaway...In fact, I coupled it with my charges claim as well....Barclays legal dept. is very accommodating once your case is assigned to a legal exec. :)

Claims:

bgqs v Barclays (Claim No.1) - Claim Issued 16/3/07 Await Defence to be Entered - Data Protection Act Non-Compliance - *WON

 

bgqs v Barclays (Claim No.2) - Prelim Letter Sent (Charges + s.68 Interest) - 16/3/07 - *WON

 

bgqs v Halifax - Prelim Letter Sent (Charges +C.I Interest) - 16/3/07 - *WON

 

*Paid Deposit on New House with my Winnings !

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  • 2 weeks later...

25/06/07;

T/C to 0845 609 0806

on hold, in a queue for 5 mins [annoying music]

Adviser 'Donna' takes details for security clearance.

On hold for 5 mins

Donna claims she cant get through for some reason.

 

Request to have Mr Day phone me back asap.

 

"Sorry cant do that but will put a note on your file to say you have phoned today."

 

very polite, but totally useless.

 

my bundle is getting thick already [ooh er] and I havent even sent in the prelim letter lol

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Was just about to send in the prelim based partially on estimated figures, when I received this email:

Complaint to The Information Commissioner’s Office about unfair penalty charges and your subject access request to Barclays Bankfor information held as part of credit card/bank account statements.

 

Is a subject access request necessary in order to reclaim any unfair penalty charges?

No. Information from credit card/bank statements should not be needed in order to reclaim any unfair penalty charges from a financial institution.

 

Following an Office of Fair Trading (OFT) ruling about ‘unfair penalty charges’ relating to credit card accounts, the number of individuals making subject access requests under the Data Protection Act 1998 for information held as part of credit card statements has increased significantly. Although the OFT ruling only relates to credit card accounts a number of individuals are also making subject access requests for information relating to other financial services before attempting to reclaim any penalty charges associated with them. Many financial institutions are struggling to respond to these subject access requests within the 40 calendar days permitted. We are aware of this and are monitoring the situation closely.

 

What’s the best way to reclaim penalty charges?

The Financial Ombudsman Service (FOS) is the most appropriate organisation to assist you when seeking to settle disputes about unfair penalty charges with Barclays Bank. The FOS can be contacted on 0845 080 1800 Monday to Friday from 9am-5pm.

 

The FOS was set up by Parliament as an independent, free service for settling disputes between businesses providing financial services and their customers.

 

Complaints about unfair penalty charges fall outside the remit of The Information Commissioner’s Office. This is why we are unable to directly assist you in seeking the repayment of these charges.

 

What will the Information Commissioner’s Office now do with your complaint about the failed subject access request?

We acknowledge that in pursuing the unfair penalty charges a valid subject access request was made to Barclays Bank and although the information requested may not be needed to recover any unfair penalty charges, financial institutions are still required to provide it.

 

From the information you have provided to us it seems unlikely that Barclays Bank have complied with their obligations under the Data Protection Act on this occasion as they have failed to provide you with the information to which you are entitled.

 

We will therefore be writing to Barclays Bank with the details of this complaint. We will ask them to ensure that they provide you with the information you are entitled to as a matter of priority. Furthermore we will ask them to take any steps necessary to ensure their future compliance with the Data Protection Act.

 

What happens next?

We would now recommend that you contact the FOS if you wish to begin the process of reclaiming any unfair penalty charges. If when we contact Barclays Bank there is any doubt as to whether they received the subject access request you sent to them we may need to contact you again. However, in most cases, and certainly where you have been able to provide us with proof of postage or receipt for your request, we would not expect to need to contact you again and you should await the receipt of the information to which you are entitled from Barclays Bank in due course.

 

If you would like any further clarification having read this letter please contact our Helpline on 08456 30 60 60 or 01625 545745 if you would prefer to call a national rate number.

 

 

 

Sent a reply instructing them to 'kick ass'

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Well there goes Barclays excuse of it being 40 WORKING days that they have ... this is something they have been telling people in the last couple of months nice to have it official that its calander days

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