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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bank Charges Consumer Charter


Michael Browne
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I'll ponder it.

 

Thanks caro, the more people thinking about this the better.

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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I think you may have missed this. http://www.consumeractiongroup.co.uk/forum/general/110322-bank-charges-consumer-charter.html

 

Zoot did post earlier that comments up to 4th August had been forwarded to the relevant parties.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Perseus,

 

You have obviously put a lot of thought and effort into this, It deserves to e rewarded with some action.:)

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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Its a big deal - a monumental test case for 100s of thousands of bank and credit customers with the penalty clause being tested too.

As many have said, we need a combined effort, but one that is strong, accurate, factual and professional.

That's enough reward for us all!

 

Thanks muggy!

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I think you may have missed this. http://www.consumeractiongroup.co.uk/forum/general/110322-bank-charges-consumer-charter.html

 

Zoot did post earlier that comments up to 4th August had been forwarded to the relevant parties.

And no-one posted up any comments regarding content prior to that date? :eek:

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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And no-one posted up any comments regarding content prior to that date? :eek:

 

I certainly did, Perseus, as I think did many others. Mine were certainly ignored as they questioned the £5 charge and the six year 'limit' amongst other things.

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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thats what i meant its the banks trojan horse thanks for the correction muggy lol the dissemination by caro is about right even though i would like to see the data protection in their and to be classed as a contract or terms only .taxman judge and inland revenue and other goverment authorities ive had my say by the way i am not bickering with anyone everyones imput is invaluable and helpful on this subject of the charter

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Hi Patrick,

 

Keep up the good work.

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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i am just wondering how many DEFAULTS have been registered in the UK by Banks & CRA companies...particuraly on the DeFAULTS not being processed lawfully...because i am writing to my MP plus another MP who i know absolutely hates this type of action and considers it underhand and it forces the Backstreet Money lenders to come in and Profit from others misery anyone any idea s how to collate this data

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one of the main reasons for this enquiry is to try to get a goverment AUDIT into the dealings between the DCA and their relationship with the Banks.i beleive this is a valid point because we have all seen time and time again that they the (dca /bank oand other)have been acting with absolute impunity against the legal and due process of the law ..perhaps the NEW ICO investigation may have some results and i think this is partly because of groups like CAG and others have put some presure on them to start acting like they are supposed to,,To Police the Banks and others although we know their have been times when they have partly ignored some important issues that we presumed were important enough ,perhaps because of the overload on the ICO they could nt act quickly enough and gave some rushed advice.so i think if we all on CAG write to the NEW ICO Investigations enquiry with our thoughts...

said enough i just hope the MODS can come with sugestions where we all think some issues need to be addressed

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patrickq1

i am just wondering how many DEFAULTS have been registered in the UK by Banks & CRA companies.
For Info - the Credit Reference Agencies do not register defaults - they merely make the data available to their subscribers.

 

Technical point, I know, but important to make the distinction.

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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I see the charter is really doing well. Not been up that long but already nearly 4,500 have already signed it. It's looking really good. Nice to see everyone behind it. Just shows what you can do if you have some clout.

How many have sent the letter of to the MP's now? Have we reached 100 yet?

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thanks macboy i aint to clever on the Technical point, I know, but important to make the distinction,but i think you have the jist of what was meant all this dca pca ppi pp oh i have a limited memory bank that shuts down after two hours then i recover about 80% but its the little bits i miss,probably the important bits but i will try to be more careful thanks mac i think i might have meant DCA and banks and other finance institutions

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I see the charter is really doing well. Not been up that long but already nearly 4,500 have already signed it. It's looking really good. Nice to see everyone behind it. Just shows what you can do if you have some clout.

How many have sent the letter of to the MP's now? Have we reached 100 yet?

 

Hi destiny,

 

None of the various petitions on this subject are doing well, surprise surprise. but this one has the most signatories.

LTSB £9,356 settled in full through the FOS

**

SIGN the petition to make banks deal with charges

**

**

COMPLAIN to your MP about the FSA waiver and the ANTI-CONSUMER way in which the OFT

Test Case is being handled.

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I'll not sign up to anything like this charter as it is and will be a bit annoyed if it gets put forward without some tweaking.

 

Perseus has made some valid points so far in this thread and I think some of these points should be taken into consideration.

 

My personal opinion is that a penalty charge is unlawful if the person levying it ie the bank makes a profit. This is undeniably what we have been fighting for over a number of years now. Banks can not make profit from charges we believe to be penalties. If we then turn around and say £5 is a fair maximum charge we are contradicting all that we believe in.

 

Banks will still be making 100%+ profit from a £5 charge we all know that and they would have disclosed before now if they could justify their costs.

 

My second point why I am not in agreement of this charter is because I am not happy being fleeced by the banks pre 6 years and I am working to get this back too. By signing up to this and for it to be submitted to whoever for discussion/comment or whatever the point is of this document (I call it a document as its not a charter IMHO more of a statement) I feel this would say to the banks we all agree to 6 year limitation periods being ok and that they have not been deliberately concealing their charging regime from us for x amount of years.

 

Noooooooooooooooooooooooo o

 

No no no no no is what I say and this is not meant to be a dig at anyone involved in its development, i'm sure you have had a busy day/week?.....

 

But this sort of thing should not be rushed into.

 

Tanz

 

P.S If I get a CAGbot message for this I will ROFLMAO as theres nothing wrong with it.....

Apart from spelling lol

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Just wanna add that I won't be signing either for the reasons already pointed out on this thread. (I have signed others)

 

Excellent post Tanz btw - I think it more or less sums this up :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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The Fool one is very clear and is aimed at getting the waiver lifted.

Make UK Banks Deal with Bank Charges*-*Online Petition

 

 

Midge - I like this one - its clear,concise,unambiguous, does not pre-judge the issue,makes no offers to the banks, and seeks merely to get the waiver lifted by the FSA to force banks to continue handling claims, and to allow Court claims to continue. In simple terms, I like it! Many thanks for providing the link.

 

All the best - 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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Midge - I like this one - its clear,concise,unambiguous, does not pre-judge the issue,makes no offers to the banks, and seeks merely to get the waiver lifted by the FSA to force banks to continue handling claims, and to allow Court claims to continue. In simple terms, I like it! Many thanks for providing the link.

 

All the best - Adam

 

It still suggests that we agree to the limitations act being 6 years I would argue it being not applicable to charges claims as the banks must have known and thats why they refuse to disclose.

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Hi Tanz

i didn't read it like that I thought it was just stating that the FSA have no powers over this. The way I read the FSA statement is that the banks have agreed to NOT to count the year that the case will take towards the 6 year limitation.

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