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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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How's this for treatment - Natwest + Me


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Hi all

 

Note: Please don't move this mods as it isn't about a Natwest claim.

 

The first part of this story is a common one! Last friday (29th) around 5pm we transferred the money for all our bills, mortgage etc from my girlfriends Natwest account to the Natwest account we use to pay the bills from. I never thought anything of it, until I checked the account on wednesday. The bank had bounced our mortgage and all our bills, a total of 7 direct debits for over £900, and charged us £114.

 

A telephone call to customer services proved useless, as apparently we had made the tranfer too late on friday and the money needs to be in by 3.30pm. The fact that we do exactly the same on the last day of every month and my girlfriend doesnt even finish work until 4pm was lost on the totally unhelpful muppet I spoke to. We'd also made a transfer the night before at 9pm and that had gone straight in.

 

My transaction page clearly shows the money going into the account BEFORE they refused all the DD's. After the customer services guy telling me I couldn't claim my charges back as i'd agreed to any further charges applied to my account, I laughed, told him a letter would be in the post and hung up.

 

Anyway, onto the 2nd and best part of the week: As my mortgage payment had been refused I called thursday and made a card payment to pay it. My girlfriend went for her hair done today and took the card, then telephoned me to tell me there was no money in the account. (there should have been £500) I checked the account and the card transaction for over £630 had been taken twice.

 

I telephoned the bank and was told that it was THEIR error - apparently it had happened a lot this week, and the money would be returned to the account at the close of business on monday. Obviously that wasn't good enough, so they told me if I could get to a branch I could withdraw some money. So after driving 10 miles to get some money to my girlfriend I then went to the bank. They couldn't give me any money at the counter, so I went to customer services. They then told me they couldn't authorise any withdrawals - even though they knew it was their error! I demanded to speak to the manager who came out and spoke to me, but I might as well have spoken to a brick wall as they wouldnt give me any of MY money.

 

God i'm furious, I asked for the official complaints address and had to laugh when I got the Borehamwood address, I already know it off by heart due to claiming!

 

I told them I had no money for petrol, no money to go out and no money for the weekend and they didn't give a monkeys. It was literally a case of 'computer says no'

 

As it happens I knew I can borrow some money (and have), but thats not the point.

 

So how's that for treatment from a bank? And is there anything I can do with regard to claiming for the error that has left me penniless and potentially unable to get to work?

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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I think from what you have said that their behaviour is shocking. If it has been a known error on their part about the transaction for £630 then they should make provisions for your to access your money.

 

I would be sending in a very stern letter to them about this. Whether or not you'll get anywhere I don't know.

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They are fully aware that it's their fault and it's a 'shadow' transaction caused by their system.

 

On another note, I transferred 1p today from my girlfriends account to the mortgage account and it went straight through instantly. I also can't remember a time when the transfer hasn't been instant, apart from last week.

 

Why did a transfer I made on a friday afternoon not show until the monday, which just happened to be the day I had all my direct debits coming out? Yet today I can make a transfer and it goes straight in.

 

I'm going to experiment with this and keep transferring these small amounts at different times, because i've got a funny feeling Natwest are blatantly not putting certain transactions through in order to profit from the charges incurred.

 

Paranoid? Moi? :)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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Keep us posted on your 'research' - it could be interesting. I am currently working on an argument concerning the banks' abuse of their position of trust. If what you suspect turns out to be the case then this is corroboration (more than that really) that they are abusing their position.

 

Steven

 

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Any opinions are without prejudice & without liability.

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Will do, i'm convinced we've been literally 'had over' by Natwest. We'll also be sending a letter about the double payment, I worked out yesterday that I had spent over £10 just on petrol and telephone calls to try and get my money.

 

Seems this has been our week for shocking treatment. We've just been to the cinema and went to the food counter to pay for our drinks. When the server lifted my girlfriends cup to take the 2nd cup it was inside, my girlfriend told her she wanted the 2 cups as just one was too cold on her hands. To which the server replied 'sorry, we cant give out extra cups' and took the cup away!

 

They charge you £11.20 for 2 medium cokes and 2 small nachos and they refuse to give you a paper cup, I was that stunned I just stood there laughing!

 

What the hell has happened to customer service?

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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After my money still not being returned to the account today, I telephoned customer services again to be told it would be back in the account tomorrow! AND that the bank should have given me some cash on saturday!

 

So I've written a letter to them today, here it is:

 

 

 

I am writing in complete disgust at the way in which I have recently been treated by your bank. On the 05/07/2007 I made a card payment for £637.27. This was duplicated (an error on your part) and instead of having nearly £500 in my account I was left nearly £160 overdrawn (I do not have an overdraft facility, this account is used purely to pay bills from).

 

I found out about this when my girlfriend telephoned me from Chesterfield where she was attending a hair appointment, to tell me she was unable to get any cash from the account. I checked the account online, saw the duplicate transaction and telephoned your customer services to enquire about the problem. I was told by them that it was an error that had happened a lot and if I made my way to a branch I would be able to take out some cash as they would be aware of the problem with the duplicate transactions.

 

I travelled the 12 miles to Chesterfield and visited the branch at 5 Market Place, so I could get some cash to my girlfriend and for the weekend. I firstly went to the counter, to be told that I would need to go to the customer services desk. This I did, and after speaking to the manager the customer service advisor told me I would not be able to take out any cash. They were fully aware that the problem was a bank error. I asked to speak to the manager, who came and saw me. She said she was sorry but she could not authorise giving me any cash. Despite my arguments that I wanted some of my money she would not listen and kept refusing.

 

It is now 7pm Monday 09/07/2007 and I am still not able to get any of MY money from my account due to your ‘error’. I had to go to the hair salon on Saturday after I had visited the branch and completely embarrass myself and my girlfriend by explaining to the staff who were waiting to start my girlfriends hair that we did not have any money. We had to cancel a meal we had arranged with my parents Saturday night and a day trip to the coast we had planned for Sunday. Today I have had to borrow money just to get to work.

 

To make matters worse this has all been brought about by the fact that the direct debits for my mortgage and bills were all returned by yourselves on Monday 02/07/2007, despite us making the transfer from my girlfriends account Friday evening 29/07/2007. Upon enquiring about this I was told that a transfer has to be in the account by 3.30pm for direct debits that are due to be taken the next day. This is complete rubbish, as we make transfers at all times and all go instantly from one account to the other.

 

We also transferred 1p from my girlfriends account to my account this Saturday night, 07/07/2007 and it went straight into the account. In fact every transfer we have done has done this, so why did a transfer we made on a Friday not enter the account until Monday, which just happened to be the day all our bills were due? My transactions page clearly shows a transfer of £914 entering the account on Monday 02/07/2007, after which all the direct debits were refused.

 

Is it not the case that when the direct debits are scheduled to be taken from an account, no transfers are put through after the close of business the day before purely to make sure the customer incurs charges on the account? If this is not the case then could you please provide me with an explanation as to how this transfer was delayed when we can make instant transfers any other time, even over a weekend.

 

And to add insult to injury, after not being able to get any money today (yet again), I telephoned customer services (yet again), and was told the bank should have given me some cash on Saturday.

 

In the last week your bank has charged me £114 that I should not have been charged, taken all my money for a whole weekend and not given me access to it, caused me to miss a meal with my parents, a day out, and my girlfriend a hair appointment, for which she now has to wait 2 weeks before she can get another appointment, as well as the inconvenience of attending the salon again and wasting another saturday.

 

 

Would you like recieve ‘service’ like this from any company? I am absolutely shocked at the way I have been treated. I fully expect you to recompense me for the costs of petrol, telephone calls, missed appointments and activities, and sheer distress this has caused me and my partner. Should the matter not be resolved to my satisfaction, or should I not receive a reply within 7 days I will lodge a complaint with the financial ombudsman.

 

 

Yours faithfully

 

 

 

Me

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

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They just don't now when to stop do they. It's not supposed to shock me anymore, but it still does.

 

I hope they're enjoying the interest on thier precurred funds, not. I can see your not the sort to let it go, and I don't blame you, so if that letter doesn't get the reaction your looking for, keep at the muppets.

 

After all that inconvienience and embarrasment, and your wasted time, I'd be out for blood!

 

Its not vexatious to sue them for this, is it?

 

Thai.

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HI

 

Nat West did exactly the same thing to my hubby week before xmas 2005 clearing his bank account out completely. This happened on a Wed but not noticed untill Thurs when hubby went to check he had got paid. Well he had but they had swiped it . He had made a payment over the phone for some goods on the Wed and they put the funds on hold but on the Thurs put the transaction through twice.

 

After several hours of the retailer chasing their bank first and then going to Nat West to explain what had happened Nat West checked and said oh dear it is a fault on our system!!!!!!!!

 

Anyway branch did offer money for the weekend and said money would drop back into account overnight. Did it hell as like!!!!! Had to keep phoning and it didn't get returned untill the Tuesday.

 

Wrote a strong letter of complaint to head office and got an appology and £100 compensation.

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