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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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REALLY high bank fees!!!


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Last year I tried to access funds held by my local Halifax...some £8,000.00 had been deposited into my account to consolidate other debts and was cleared yet the Halifax refused to allow me to even touch a couple of hundred pounds when I tried to pay bills via telephone banking, something I had done many times before. So I went into my local branch to get to the bottom of the situation. Shortly after my arrival I was again refused access to my account, had my card confiscated, the account was closed on the spot and I accused of theft by the assistant manager. I promptly called the Police but the Halifax staff intercepted the Police before they got to me and without even listening to me, the Police beat me almost unconscious in the Assistant Managers office, then asked me who I was and arrested me for complaining that I wanted to access my money. Later, two of the seven Police in attendance charged ME with assault among other ludicrous and entirely false allegations. That goes to court this month, but then it is my turn. I have received harassment and threats almost every day of my recovery, my medical records have been mixed in with those of someone else, the Halifax are refusing to release CCTV footage on the grounds that footage may incriminate Police and staff but if the Police officer in charge of the case wishes to request the footage they can release it to him...that officer inflicted brain injuries on me in the bank, so it is unlikely that he will request that footage.

 

To add further insult to injury, the Halifax are demanding I pay them over £90.00 for a transaction which they allege took place some five months or so AFTER the account was closed and foreclosed on a loan of some £5,000.00. This will effectively bankrupt me.

 

I suspect this is a rather unusual set of circumstances, I also suspect that many will think my story dubious, however I have no reason to lie and do you really think someone could concoct such an elaborate story? I am more than happy to speak with any members of the press and media about this and would be delighted to hear from any members of the legal fraternity who might be interested in taking on such a bizzare case with a view to helping me prosecute. I am in Dorset by the way.

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hi, please, are you for real or just joking?if you are serious, i apologise.i have nothing constructive to offer.i am so sorry.i simply want to *bump* this up for people to help.

[sIGPIC][/sIGPIC]if my response has been of help to you, please click on my scales. thank you:)

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Sorry to be sceptical but you must admit this is some story.

Are you demanding some sort of internal police inquiry then.

 

BTW I was happy to see Halifax have reinstated your account theneven after all the bedlam that you say took place in the managers office.

 

to be 100% honest I would never step foot in a branch that had mistreated and abused me in the way you claim to have been treated.

Are you very brave.

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi Overflow,

 

It's ok, I expect most people to be sceptical it is as you say, some story. I am hoping to prosecute the Police involved as normal citizens, then on to the IPCC. The IPCC refused to hear my complaint before the Police have me in court...the IPCC say this because it may reflect unfavourably on the officers involved.

 

The thing with the Halifax re-instating my account is that they didn't even bother to ask me if I would like an account with them...they seem to have simply gone ahead, opened one for me, withdrawn £90.00 and are trying to stiff me for it! They did after all close the account in October 2006...I even have the date, name of the employee, time of closure and branch it was closed at.

 

It is extremely unlikely that I will ever enter another Halifax Branch...As far as I am concerned I have no bank account with the Halifax and that is that.

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  • 2 weeks later...
Try the CAB - we are NOT proffesionals here, this is a self help forum!

 

They ignored everything from the CAB...They have ignored everything from the Ombudsman...My only alternative beyond this is to help myself to the branch in a way as legal and as "hands on" as they have been with me. This has literally driven me to the point of no longer caring.

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Glen

I have one question for you ,

WHY havent you seen a good lawyer over this ?

I dont mean to sound negative about your troubles but you must admit this sounds like a horror story.

I appologise if I seem like a doubting Thomas , but if you are genuine then I really really feel for you.

You must pursue this further,and perhaps seek help of councelor as well.

Wish I could help more. Take care x

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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I do have a lawyer, however he is unable to do anything at the moment as the police involved have me up on trumped up charges on this situation. So until they have finished their prosecution of me I am unable to begin mine of them. When the police involved are bent, who do you call? Like I said, I have tried the CAB and the Ombudsman as well as writing to the Halifax myself. The Halifax Bank has simply ignored ALL parties. Even my medical records were tampered with on this...I was horrified to see my medical records which were sent to my solicitor had someone elses medical records and my medication had been incorrectly listed.

 

This can ALL be easily verified by members of the press if interested. I assure you I am not paranoid, this is not a fabricated story at all. This incident is testing the edge of sanity though.

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Glen

 

Im not doubting you really Im not.

 

I just wish there was something I could do to help.

 

Thinking about it you'd need a really good memory and a fantastic imagination to make up a story like this.

 

I suppose your Lawyer has approached the GMC to report the way they have messed about with your records.

 

I went through a court case with alocal Hospital when my late husband passed away (wont go into details).

 

The GMC were very helpful and launched an investigation into it,which quite suprised me cause normally they all tend to stick together when something like this happens.

 

Although I cant offer any constructive help if ever you need to let off steam or just want to talk you can always PM me.

 

Sometimes just talking things through helps ease the pain and the stress which you are going through.

Please try not to get too down . I hope it will all come right in the end.

 

My very best wishes are with you.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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This is a terrible situation. Hopefully after the court case, when all the CCTV and evidence are put forward, you can resolve this matter and proceed with your complaints.

 

I wish you the best of luck- fighting against the system is always difficult.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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