Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Cooling off Period?


Mikesx13
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6090 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys,

 

I recently went to check out a martial arts school and subsequently signed a 12 month credit agreement to join them. With this I pay £45 a month to have unlimited classes a 'free' suit, license, gradings and insurance.

 

A couple of days after signing this I read it properly and also investigated the club/trainer a bit more and decided I really didn't want anything to do with it.

 

I phoned the guy up and emailed him to explain my reasons and he's saying that yes I can cancel but they will still charge me one month (£45) plus £35 for the 'free' suit that they gave me.

 

I have literally attended one 45 minute class and let them know straight away that I was cancelling so I don't think it's fair for them to charge me £80 for this.

 

I have worn the suit once and am perfectly happy to return it, I realise that they might not be happy that they're out of pocket for the suit but it was definately advertised as a free suit with no disclaimers.

 

When I filled out the credit agreement I also completed a direct debit form, are they whithin their rights to take the money from me as I thought there was a 14 day cooling off period with any credit agreement?

 

Any help appreciated :)

Link to post
Share on other sites

It's not a credit agreement as they are not lending you anything and I don't think there's any cooling off period - the onus is on you to read before you sign. I expect the 'free suit' was conditional on signing up for 12 months (did it mention the suit in the contract?).

Poppynurse :)

 

If my comments have been helpful please click my scales!!!!

Link to post
Share on other sites

It's not a credit agreement as they are not lending you anything and I don't think there's any cooling off period - the onus is on you to read before you sign. I expect the 'free suit' was conditional on signing up for 12 months (did it mention the suit in the contract?).

 

Yep unfortunately it is a credit agreement hence why i'm not happy to have it.

 

It is provided by bmac, an 'OFT licenced credit broker' with the 'credit amount' being £540 which I pay off at £45/month.

 

It bears all the same hallmarks of the rest of the nasty credit agreements you get such as a £15 penalty plus admin charge for a missed payment as well as the threat of county court action for non payment.

 

There is a big banner at the top saying that 'The Credit Consumer Act 1974 covers this agreement' as well.

 

Reading further into it the uniform is covered by the following disclaimers:

 

1. Upon the acceptance of membership by a 'new' and previously unregistered applicant. Any equipment provided FREE through a package deal SHALL REMAIN the property of the B.M.A.C until such time as a renewal of membership has been recieved, processed and approved against which the full costs shall be payable.

 

2. All equipment MUST be maintained in a clean and serviceable condition and must NOT be disposed of in anyway without consent of the B.M.A.C.

 

3. Equipment MUST be returned to the B.M.A.C. together with any or all outstanding payments due under this agreement, at any time that this membership agreement is settled or terminated.

 

All thats saying to my eyes is that once i've paid a full yearI get to keep the suit but until then it is their property which is fine and dandy with me!

Link to post
Share on other sites

I think i'm screwed because under the consumer credit act the cooling off period does not apply if the credit agreement was signed at their premises which it was :(

 

I can't believe i've been stupid enough to sign a twelve month credit agreement to pay them £45 a month which I now can't get out of as there's no way i'm going to go back and use the school now i've found out a little more about it :mad:

Link to post
Share on other sites

Unfortunate, and I'm not having a go here or a "neh neh" moment, but this really does emphasise the best form of consumer protection being education (and I keep saying this until I am blue in the face but no-one ever listens...).

ALWAYS make sure you know what you are getting. Do some research, never sign there and then, and get anything said to you in writing (by someone authorised to say such things).

Link to post
Share on other sites

Unfortunate, and I'm not having a go here or a "neh neh" moment, but this really does emphasise the best form of consumer protection being education (and I keep saying this until I am blue in the face but no-one ever listens...).

ALWAYS make sure you know what you are getting. Do some research, never sign there and then, and get anything said to you in writing (by someone authorised to say such things).

 

I know I feel like a complete idiot. It's quite unusual for me to get caught out by something like this but I think the fact that I had just come out of an intensive training/introduction session and the guy was talking to me about martial arts (something I get quite caught up in) whilst his wife was getting me to sign this form meant I didn't pay it enough heed, also at no time did she say 'this is a credit agreement, are you happy to sign it?'

 

I've also never heard of or seen a martial arts school being run in this way so wasn't expecting it!

 

I am extremely p*ssed off that they run it this way because it can often take a good few weeks of training with a particular club before you decide whether you want to join them long term or not.

 

Overall I can see this costing me £540 for absolutely nothing which is a massive amount of money for me to lose :mad:

 

Actually perhaps it's some twisted form of karma as i've just recieved back £500 odd in bank charges!

Link to post
Share on other sites

Are they a member of a governing body? My lads have been involved in various martial arts and clubs and we've never had a credit agreement, just paid weekly or monthly by DD (hence my earlier post) sounds like sharp practice to me :(

Poppynurse :)

 

If my comments have been helpful please click my scales!!!!

Link to post
Share on other sites

Are they a member of a governing body? My lads have been involved in various martial arts and clubs and we've never had a credit agreement, just paid weekly or monthly by DD (hence my earlier post) sounds like sharp practice to me :(

 

Well this is part of the problem, I thought they were members of the ITF which I would have been happy with but when I investigated further and tried to find some officially recognised governing body it turns out they are governed by some organisation which has been made up by the guy that runs this school and also it appears that his 8th dan black belt was awarded by this governing body i.e. him!!

 

Master Davies Black Belt Schools , Freephone 0800 073 0297

 

Also he carries out gradings and awards belts himself which essentially means they mean nothing to the rest of the Tae Kwon Do world and are not transferable to other clubs or useable in competitions :Cry:

Link to post
Share on other sites

Check the agreement is set out as described in the Consumer Credit Act 1974. Inparticular the signiture boxes. If the wording is not exactly printed within the boxes it would be unenforcable.

 

I'm tempted to take the form to the Citizens Advice Bureau or I might pay a solicitor to look over it as i'm willing to do everything whithin my means to get out of this.

Link to post
Share on other sites

Overall I can see this costing me £540 for absolutely nothing which is a massive amount of money for me to lose :mad:

 

What happened to only paying one month + £35? That didn't sound as bad.

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

Link to post
Share on other sites

What happened to only paying one month + £35? That didn't sound as bad.

 

He said on the phone that I would be able to do that and i've been trying to get him to confirm by email since. He hasn't replied although i've recieved unrelated emails from him so I would say that he's definately got the messages.

 

I just have a funny feeling that it's not going to pan out that way :(

Link to post
Share on other sites

Sorry, been offline for a few days.

 

I went up to chat to the guy a few days ago and voiced my concerns over the club and the agreement.

 

He stated that as long as I have reasonable grounds for cancelling (i.e. moving away) then he doesn't have a problem with that and it doesn't incur any charges.

 

I've decided to cut my losses and use the school for a few months to get my money's worth i.e. if I quit now it would cost me £80 for nothing or I could pay £90 over two months and have two months training.

 

I also found out that they are in some way affiliated with WTF who are a bona-fida governing body although I think they just follow a similar syllabus rather than being fully affiliated and accredited.

 

I also got advice from a well known and trusted guy who runs his own Tae Kwon Do school on this particular guy/school in Bristol and he said that the instructor really knows his stuff and is good at what he does but the school and the way it's run is a bit dodgy.

 

The impression I now get is that the instructor is a time served martial artist who is a fully qualified and competent instructor who is trying to go it on his own but is taking a slightly shady approach.

 

So all in all some good and bad things learnt mainly that I should take anything away with me before signing to have a good read at home!

 

Edit: I don't want to jump to conclusions but I wouldn't be surprised if BMAC and the doctorate are mere fantasies!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...