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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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AQ dispensed but no court date - help required - Jonathan B v Abbey


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Having read some more posts on here, I received today what appears to be some good news, ie that the AQ questionnaire stage has been dispensed with and my claim has been transferred to Clerkenwell & Shoreditch court. However, unlike some of the posts I've read, there is no mention of a court date. Not really sure what I should be doing next. Copy of the text follows:-

 

Without hearing

IT IS ORDERED THAT:-

1) The filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise **

 

Note: Any party affected by this Order may under Rule 3.3(5) apply to have it set aside, varied or stayed. Such a party must apply under rule 23.3 within 14 days of service of this order.

 

** Please note that an allocation fee may apply in this instance. Please contact the court of transfer for further details.

 

Date order drawn: 28.04.07

_________________________ ________

 

So.... should I read up on AQ's? Can I expect to have to prepare a court bundle? What happens next? EEK!

 

Any info, as ever, greatly appreciated...

 

Thanks,

Jonathan B

 

Join Date: Mar 2006

Location: London

Posts: 12

 

Jonathan B v Abbey - AQ Dispensed with...

 

--------------------------------------------------------------------------------

 

Oops. Forgot to mention that when I filed my claim online I didnt realise I had to send a breakdown of charges so have only just sent these last week to Northampton County court. Will they automatically forward these on? I also had a letter from Abbey asking for similar along with email address and phone numbers etc, but never got round to sending them these as I thought it odd considering I had written to them before and that I had got details of the charges from them in the first place. Is this bad judgement on my part. Worried that the court will think I haven't done everything I could to resolve this, ie give Abbey the info they asked for, even if it was after my claim was filed?

 

I've already one 90% from Nationwide but still waiting to hear about the last 10%... it's the principle innit?

 

All advice received with thanks...

 

Jonathan B

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Clerkenwell will notify you of allocation and hearing date. If you haven't heard after 10-14 days, just ring and ask. You will have planty of time to assemble the court bundle, hearing date is unlikely to be before mid June- July.

 

Abbey's request is absolutely standard, just send them a schedule. Contact details are up to you

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same happened to me - just sit tight for a bit

2 Accounts with statements back to Feb 04 = £802 in charges

S.A.R received by Abbey 22.09.06 .......start the clock!:D

9.10.06 received letter from Pam Speed 'information to follow'

12.10.06 received last 14 months of altered statements :rolleyes:

01.11.06 LBA sent to Abbey for statements

10.11.06 received statements back to 2000 - on one account:|

15.11.06 2nd LBA sent for outstanding information

26.11.06 Outstanding info arrives

30.11.06 Prelim for £1089 received by Abbey

06.12.06 Sorry you are unhappy letter received

21.12.06 Sent LBA giving 14 days before court action

22.12.06 Received GOGW for £375

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I'd send them your contact details and a copy of your schedule of charges, I've found that the more helpfull you are at this stage the quicker they pay you off.

Abbey 1 settled in full 01/05/07

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thanks folks for your kind words of advice.

 

Just re-read Abbey's defence and it refers to me as having a current bank account - I dont, I closed it several years ago having finally been able to escape their hideous cycle of charges. The defence also then talks about overdrafts, and that most of my charges were about exceeding the overdraft limit they agreed. I didnt have an overdraft of any kind and most of the charges were because of a few bounced direct debits and then because they kept helping themselves to charges the day before I was due to be paid, invariably putting me overdrawn which then led to more charges the following month. And so it went on, like it has for so many people. Anyway, I think my point is that I am feeling a bit more confident because their defence seems to be a standard defence that would appy to someone with an existing account and who had an overdraft limit. I have neither.

 

My other claim with the Nationwide (which was nearly paid in full but not quite) has now been transferred to the mercantile court. They paid me back around £1500 but it was still about £170 short. I'm now not sure if I should have carried on but will keep you posted on both cases.

 

Capital One are next in my sights...

 

Bring it on.

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  • 3 weeks later...

Update - Latest Letter

 

Your case has been transferred to London Mercantile Court, which is based within the Admiralty and Commercial Court at the Royal Courts of Justice, Strand, London, WC2A 2LL. Please see for guidance, CPR59 and Practice Direction.

 

Your case has been allocated the number ****-*** this number to be used in future correspondence.

 

There will be a Small Claims Hearing in this case and in several others which raise the same or similar issue at 9.30 on 20th July 2007 in court 1, St Dunstan's House, 133-137 Fetter Lane, London, EC4A 1HD. The hearing is intended to give directions for the hearing of some or all of these cases in way which saves and time and expense. It is hoped that all parties will attend but if this is not practicable the Court will be pleased to consider the written views of any party provided that these reach the Court by no later than 17th July 07.

 

Although some of these cases have been allocated to the Multi Track, it is the provisional view of the Judge that the costs rules for the Small Claims Track should apply to all of them.

 

Yours....

 

______________________

 

EEK again !!

 

Having not been on here for a while, (as I've been waiting ages for this letter), I've kind've lost track on what I should do next. What stage am I at now? Does the Lloyds TSB thing mean any of the processes have changed. I realise the case doesnt mean much but thought the way we respond might have.

 

All advice gratefully received.

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Sorry about this but my previous post about the mercantile court was wrong, I should have posted that against my claim for the Nationwide. (had most of it back already just claiming £175 difference now).

 

However, I did get a letter today saying that my Abbey claim (£1675.00 - Buenos Aires here we come!!) had a small claims court date of 5th June. Tried ringing Abbey and was told that they wouldn't settle or even contact me until the court date. I offered to settle without bundle costs etc but they werent interested. Fine by me. More money coming in my direction!! Can anyone point me in the direction of a thread that tells you about the bundles. Also, I'm debating wether the bundle work is worth it, ie do you only get it if you hand it in to the court and send a copy to the bank? Cant I just say I'd prepared it in the hope they settle before the court date?

 

 

Thanks again and sorry for mix up re earlier post. 5th June is much better than 20th July!!

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The court bundle is very important, it shows just how serious you are, and in the event it does actually go to court (very rare I know) you don't want to be caught with your trousers down!! It doesn't take long to do and is quite satisfying once completed.

Abbey 1 settled in full 01/05/07

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  • 2 weeks later...

Received a letter yesterday offering about 1k, £600 less than my claim is for. Standard letter, ie there must be a charge for these defaults. Unfortunately I've been away on a course all week and just got back today so havent had time to do the bundle yet. I could do it tomorrow and post everything then as well, but I think I read somewhere it needed to be with bank and court 14 days before court date and my court date is next Tuesday (5th June), and in fact I'm not even sure if I got the letter advising me of the court date 14 days before that date. Not sure how to proceed? Shall I just call them tomorrow saying I will only settle for full amount or should I do the bundle and post it first class tomorrow in the hope it reaches both destinations on Monday? And if so, is it not highly unlikely that Abbey will have time to process it and respond before the actual court date the very next day? Any thoughts folks?

 

(I can smell victory but dont want to mess it up at this late stage!!)

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Letter received on Saturday offering the full amount and then a bit more over my original claim - £1901.44 in total!!! hurray!!!

 

Worth it in the end. I take it I dont tell the court until the cheque arrives or should I let them know anyway, the case is supposed to be tomorrow but I guess Abbey will let the court know to withdraw the claim but I'm sure I read on here somewhere that you shouldnt let them know until the chq has cleared. Is that right? Or shall I be in trouble with court if I dont let them know today?

 

Also - how do I donate to this fabulous site and how do I mark my thread as ***WON***?

 

Oh happy days. Thanks folks for all your help. Couldnt have done it without you.

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