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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
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    • 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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pippielou versus Abbey


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Hi

As the title would suggest I'm 'in battle' with the Abbey at the moment trying to reclaim bank charges totalling £920 with added 8% interest making my total claim £1139.93.

Abbey have written to me offering me 65% settlement of £740 which I have turned down verbally-:???: should I have done this in writing?

 

I have since written to them saying 'without predjudice' that I would consider an offer of £950. Abbey wrote back saying they couldn't give me that figure and to phone them to discuss which I duly did. I spoke with Claire Fletcher (easy to get hold of first time, very hard ever since) she offered me £850, which I have yet to say yay or ney to.

My problem is that my account which I thought was closed (I sent back at their request cheque book and cards) has miraculously re-opened and it is £156 in overdraft. This overdraft is made up purely of charges:mad:I paid my car tax by cheque on the 1/11/06 then raced to the bank on the 2nd to pay in £100 cash to cover it only to find that the Abbey had already put through the cheque (how come it takes 4 days to clear a chq paid into my account but they can release monies within hours?). This obviously put me over my limit briefly as the chq was put through then sent back unpaid (all on the 2nd). I must have been in overdraft for a matter of hours on the 2nd as my £100 cash was paid in as soon as the bank opened at 10am. The chq was eventually paid out on 7/11/06 and my account was in credit by £5.11. The account is now in overdraft for £156 which as I said is all charges.

What I've said to the abbey is that I won't settle out of court until these charges are dropped. However it seems they cannot do that, the only thing they can do is open a new complaint which will take 4-8weeks. Have you ever heard anything so stupid?!! :-? Has anyone got any ideas on what I should do about this?:???:

 

So this is where I stand at the moment...I have just had a letter from the courts giving me a court date of 11 Sept. They have not asked for a Allocation Questionnaire but this what the document says:-

 

"The following directions apply to this claim:

1. The claimant shall within 14 days of the service of this order send tothe Defendent and to the court:

 

A schedule (unless one has already been sent to the Defendent and to the Court)setting out each charge repayment of which is sought, showing the date, amount, and reason (if any) for that charge being made."

 

Section 2. sets out what the defendent must do.

Section 3. simply states 'the original documents shall be brought to the hearing'.

 

I phoned the court today and asked them what they meant by 'schedule' did they want copies of statements showing charges and they said if it says schedule it means send a list of charges.

 

After reading loads of other threads and seeing what other people have had to do, this seems to easy! :???: Has anyone got any thoughts on this? I'm really scared of going to court and don't want to get anythin wrong!! Can I at this stage add the £156 onto my original claim?

 

Sorry for the rambling but would grateful for any thoughts.:)

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Hi

As the title would suggest I'm 'in battle' with the Abbey at the moment trying to reclaim bank charges totalling £920 with added 8% interest making my total claim £1139.93.

Abbey have written to me offering me 65% settlement of £740 which I have turned down verbally-:confused: should I have done this in writing?

 

I have since written to them saying 'without predjudice' that I would consider an offer of £950. Abbey wrote back saying they couldn't give me that figure and to phone them to discuss which I duly did. I spoke with Claire Fletcher (easy to get hold of first time, very hard ever since) she offered me £850, which I have yet to say yay or ney to.

My problem is that my account which I thought was closed (I sent back at their request cheque book and cards) has miraculously re-opened and it is £156 in overdraft. This overdraft is made up purely of charges:evil:I paid my car tax by cheque on the 1/11/06 then raced to the bank on the 2nd to pay in £100 cash to cover it only to find that the Abbey had already put through the cheque (how come it takes 4 days to clear a chq paid into my account but they can release monies within hours?). This obviously put me over my limit briefly as the chq was put through then sent back unpaid (all on the 2nd). I must have been in overdraft for a matter of hours on the 2nd as my £100 cash was paid in as soon as the bank opened at 10am. The chq was eventually paid out on 7/11/06 and my account was in credit by £5.11. The account is now in overdraft for £156 which as I said is all charges.

What I've said to the abbey is that I won't settle out of court until these charges are dropped. However it seems they cannot do that, the only thing they can do is open a new complaint which will take 4-8weeks. Have you ever heard anything so stupid?!! :confused: Has anyone got any ideas on what I should do about this?:confused:

 

So this is where I stand at the moment...I have just had a letter from the courts giving me a court date of 11 Sept. They have not asked for a Allocation Questionnaire but this what the document says:-

 

"The following directions apply to this claim:

1. The claimant shall within 14 days of the service of this order send tothe Defendent and to the court:

 

A schedule (unless one has already been sent to the Defendent and to the Court)setting out each charge repayment of which is sought, showing the date, amount, and reason (if any) for that charge being made."

 

Section 2. sets out what the defendent must do.

Section 3. simply states 'the original documents shall be brought to the hearing'.

 

I phoned the court today and asked them what they meant by 'schedule' did they want copies of statements showing charges and they said if it says schedule it means send a list of charges.

 

After reading loads of other threads and seeing what other people have had to do, this seems to easy! :confused: Has anyone got any thoughts on this? I'm really scared of going to court and don't want to get anythin wrong!! Can I at this stage add the £156 onto my original claim?

 

Sorry for the rambling but would grateful for any thoughts.:-)

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OK, send the courts copies of your spreadsheet including interest clearly marked with you name, address, account number and court reference number, send the same to abbey, via email [email protected] and to Abbey triton house recorded delivery.

 

with regards to any charges that hit your account after you bagan your claim, these i am afraid will form the basis of claim number two.

 

Hope this helps.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thanks for replying and for your advice. I'm going to get onto it right away.

It looks like round 2 is on the cards. I'm just glad I didn't settle for a lesser amount out of court especially as I was advised by Abbey that they couldn't pay me a settlement by chq because it would have to be paid into the account so that any monies owing could be deducted. If I hadn't realised that they had kept me account going I would have been as sick as a dog! Its worth other claimants finding out if their accounts are actually closed!

Thanks

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Welcome to the site.

Yes schedule means charges.

Send another exchange to the Court and the defendant.

Its up to you what you want to do but the ball is in your court.

If you want to get the extra charges back then you will need to file an ammendment to your claim....if you are on benefits then you wont have to pay.If not then you will and means filling out another form.The claim has been listed for September hearing.......with this in mind theres no rush for them to offer you full settlement before then.

They are not legally obliged to give you any more than you have claimed on your N1.......so its Cat and Mouse for the moment.

You have the choice of negotiating with them or holding out.

If you can wait till September I would go for the lot and file for an ammendment.

If you think its likely that you will incur MORE charges between then,it makes sense to follow it through with an ammendment to claim detailing the additional charges in the interim period.

Dont forget........your interest is racking up too !!!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Can anyone give me some advice, please ?!!!

 

I am in the process of putting together a schedule, as requested, to send to the court and Abbey. But I've just realised that in my original submission to the court I included a statement saying that the abbey took an amount in charges out of a payment of Child Tax Credit. In fact looking back I've realised that some of that amount was my overdraft. I haven't actually listed that amount on my original list of charges I sent to the Abbey but I did put it as supporting info on the court claim form.

 

Can't believe I made such a stupid mistake. Can I withdraw this statement?

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Withdraw the statement (explain why) and make sure that you've entered your charges correctly into a spreadsheet. If you haven't done so already, I'd advise you to download one of these 6. Interest calculation spreadsheets as they calculate the 8% interest automatically as well. ;)

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Just completing my schedule of charges that the court has requested I send to them and the Abbey.

On the claim form I filled in using Moneyclaim online it lists the court fee I paid as £120 and adds this to the total amount claimed should I therefore add this to my schedule (ie. Total Charges £... + Interest £... + Court Fee £...) or will it be automatically added in by the court???

 

Please can somebody help.:rolleyes:

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Thanks for your reply am really grateful, getting myself into a right state...:o

 

How should I withdraw the statement? Should I write it in the covering letter with the Schedule. Should it go something like this...'I would hereby like to withdraw supporting info as detailed in the particulars of claim as the sum quoted is incorrect. Although charges were made against my account for being just 18p overdrawn these were in fact less than the amount I quoted as I have mistakenly included an overdraft in the sum'.

Does that sound ok or do you think I should go into more detail?

 

Thanks

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Don't know whether I'm doing this forum thing right? I keep opening a new thread everytime I've got a question..........is that right?:confused:

 

What amount of interest do I claim? I know its 8% but since I filled out my original claim form the amount has gone up. Am now putting together a schedule to send to the Court and Abbey but don't know whether to list the original amount or the calculation to date?

 

Also I'd really like to use the OpenOffice spreadsheet (only spreadsheet programm on my computer) listed but I can't get into it-I keep downloading it but its blank. Has anyone got any ideas?

 

This info needs to be sent and received by next Wed (25th) so am getting really really panicky!!!

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Hi, it would be better if you kept all your questions in just the one thread as it helps with the timeline - i have asked for a mod to merge them,

 

just send the schedule as it stands to the court and to Abbey.

 

You can always download an excel spreadsheet and save it as it will work in openoffice

 

Good luck and any other questions, just post in the same thread, i should imagine that it will get a new name Pippielou v Abbey

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Dont add it onto your schedule of charges, it is on your N1, it is taken as an automatic at negotiation and settlement time, when you reach a total amount of settlement, make sure that you filing charge and AQ charge are added on too

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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5 threads merged.

 

Please now use this ONE new thread to update your claim details and ask questions.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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how much is it Pippielou?

 

The amount I quoted in my supporting info was £532 but the actual amount of charges was £155. Do you suggest I withdraw the statement as per my thread with Hedgey.

 

Thanks everyone for putting my 'thread' straight.

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Hi, it would be better if you kept all your questions in just the one thread as it helps with the timeline - i have asked for a mod to merge them,

 

just send the schedule as it stands to the court and to Abbey.

 

You can always download an excel spreadsheet and save it as it will work in openoffice

 

Good luck and any other questions, just post in the same thread, i should imagine that it will get a new name Pippielou v Abbey

 

Thanks Lula

Have just opened the Excel spreadsheet in OpenOffice.

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Withdraw the statement (explain why) and make sure that you've entered your charges correctly into a spreadsheet. If you haven't done so already, I'd advise you to download one of these 6. Interest calculation spreadsheets as they calculate the 8% interest automatically as well. ;)

 

Do I need to let Abbey know I'm withdrawing this statement?

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