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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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Is your bank quoting the Lloyds victory to put you off claiming? - Contact the BBC


BankFodder
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It seems that Abbey ARE doing this - I've seen two letters from their solicitor today containing this -

We also refer you to the recent judgment in Berwick & Haughton -v- Lloyds TSB wherein it was found that “there was no ground in law for recovering from the bank the amount of any charges he has paid to it.”

The fundamental issue in Berwick v Lloyds concerned whether or not the charges were imposed as a result of a breach of contract.

 

The judge decided that the claimant did not demonstrate a breach of contract, so found in favour of the bank's "service charge, not default" defence.

 

Abbey admit that their charges are default charges arising from breaches of contract - they defend on the basis that they are a pre-estimate of the loss suffered by Abbey as a result of your breach.

 

Berwick v Lloyds is therefore completely and utterly irrelevant!

 

....and the reference to it in the letters they have started to send out should be disregarded as intimidatory and yet another shameless trick in their abusive litigation strategy.

 

Don't let them bully you into accepting a lower amount, and write back rejecting their reference to the Lloyds judgement and request its withdrawn. Also quote the claim's in which their defence has been thrown out by judges as an abuse of process.

Dear Ms ******,

 

Thank you for your letter dated [date].

 

Unfortunately I am not willing to reconsider my position in respect of the amount at which these matters will be settled, until such time as Abbey discoses its true loss incurred as a result of each of my contractual breaches.

 

Furthermore, I am wholly disappointed that you have chosen to erroneously cite the case of Berwick -v- Lloyds as relevant in respect of my own claim against your client.

 

As you are surely very well aware, the issues upon which the recent judgement was made in favour of Lloyds TSB fundamentally differ from those of my own claim. The District Judge at Birmingham County Court found that in the particular case, a breach of contract was not demonstrated by the claimant, and therefore upheld Lloyds defence that the charges were fee's for a service, as opposed to default charges. This small claims track judgement is not binding on any other court, and is in fact subject to an appeal.

 

Abbey Plc does not attempt to "cloak" its charges in the same manner - it readily admits that they arise from breaches of contract, and you do in fact refer to them as 'defaults' in the very correspondance to which this letter is in reply.

 

Therefore, I quite reasonably consider your letter to be part of Abbey's wider strategy of attempting to intimidate claimants and dissaude them from pursuing legitimate complaints.

 

May I also refer you to claim numbers 7DC42005 and 7NB00229, where your defence was found by the respective district judges to be an abuse of court process and resultingly struck out.

 

Accordingly, I respectfully request that you reply to me by [date] retracting your reference to the case of Berwick -v- Lloyds TSB, and furthermore apologising for this transgression.

 

I look forward to your prompt response.

 

Yours Sincerely,

 

 

Copy to;

 

***** County Court

  • Haha 1

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Once again, Gary, totally brilliant. Hugely appreciate the time and effort you put in to help us.

 

Adam.

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Got the same thing in an email yesterday when they offered 60% as full and final.

 

Needless to say they were told to revise their figures upwards before I'd consider it and that the Lloyds case had no relevance to my claim.

 

Be interesting when they reply as to what they come up with.

 

GaryH, you always come up with a brilliant letter but unfortunately for me, it's always 24 hours after I've replied to Abbey.

 

Just as an aside, the AQ in our Mercantile hearing has been dispensed with so I got permission to write to the Judge and enclose the Abuse of Process order for his consideration. Will let you know what comes back.

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25%!!!!!!:D PMSL!

 

You'd think that Abbey's solicitors would know very well by now that CAG members won't be fooled or intimidated by their underhanded tactics, would'nt you?;)

 

I would probably suggest that they try another one. This one is just making them look a bit silly!

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Tis indeed.

 

Can I have your autograph?:D

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When the autobiography comes out, will you give us all a mention :-)

 

Gary H guessing you think I should send off the letter toute suite!

 

Just had an email back from the guy at BBC wanting my phone number!

8) FoxyFiona

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Excellent. I would suggest you mention Abbeys continuing abuse of court process and their clear strategy of damage limitation by intimidating claimants. Also quote the (at least) 2 cases where their defence has been thrown out by judges as an abuse of process.

 

Incidentally, they retracted the reference to Berwick v Lloyds in an e-mail to a user yesterday so it'll be interesting to see if they continue to quote it or not. http://www.consumeractiongroup.co.uk/forum/abbey-bank/69269-conncat-abbey-5.html#post845550

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi guys,

 

The guy at the BBC has just rang me, he was nice, just did about 5 mins on telephone, asked when I got the letter, if I thought they was trying to intimidate people, a few details about my case and if I am still going ahead. Prob more scarey tho wants me to email a head and shoulders photo, did warn him that may be more frightening than the bank charges :-)

8) FoxyFiona

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Whooo, just spoken to the man from the Beeb, as per your advice Gary I got in the reference to CAG at least 3 times, mentioned both Abuse of Process Strike outs and the fact that the reference to Lloyds was an attempt to intimidate and threw in the fact that they'd withdrawn the comment yesterday to one user of CAG.

 

Also told him that no one would object to a reasonable charge but that what the banks are charging is 'not reasonable' and a clear attmept to make profits rather than cover their costs.

 

Hope he mentions CAG in the article, i tried to get it in as much as I could. Told him I probably would have been intimidated if I hadn't had CAG behind me.

 

He's going to use some of the wroding from my email in an atricle he's writing, so will watch out for that.

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Fantastic, well done to both of you!!:)

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Fantastic, well done to both of you!!:-)

 

Absolutely!!...............this is brilliant:D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Gary do you think they are likely to contact me?

 

I thought my case and Kia's would have created some interest but I hope I am correct in saying this neither of us have heard anything from the media, Bankfodder we he called me told me he would be contacting the press and could he pass on my details which I said ok.

 

Not wanting to push myself forward here but cases like mine and Kia's could only help everyone who is currently in the system if more judges were to see what was happening they may follow with the same directions.

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Maria,

 

Yes, I believe something is being worked on - although the Lloyds thing sort of hijacked the agenda for most of the last week or so, so I think it went on the backburner.

 

I'll ask BankFodder about it.

Please remember to DONATE! Help CAG keep up the fight!

 

 

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Really? What, about Abbey quoting Lloyds? What did you say? When is it going on air?

 

Ooooooooooo how exciting!!!!!:grin:

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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I need a lie down!!

 

Yes it was regarding the Abbey quoting Berwick v Lloyds, she asked me when I got the letter quoting case, what I thoght of it, am I still going ahead with claim. It only lasted about 3-4 mins (felt like forever). Like a plonker never asked when it was going out but the guy from BBC had passed on my info to her. It was for the money section of the news. I have had a look on their website and think its at 6am, but who knows what day it will be?? Worrying now that I sounded like an idiot:o

 

But what an exciting days its been!

8) FoxyFiona

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