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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Studio/Ace Card & Gifts - HELP!


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Hello guys,

 

I recently ordered some items from Studio/Ace catalogue around Xmas time. I didn't get everything I ordered, therefore making things hectic as I had to go elsewhere to complete my gifts bought.

 

I was quite annoyed by this as its was quite unprofessional by the catalogue. Maybe they were out of stock ? When I got my bill I didn't pay right away as I was disappointed not to get everything, plus I was on benefits. The bill was only around £15.00 in total. Now I am being threatened by a company called Moorcroft Debt Recovery Ltd for fees in excess of 65.16 + £20.00 admin fee (for sending ONE letter). I don't agree with this amount as these fees are really unfair/unreasonable.

 

I have been threatened with 1.bailiffs, 2.contact of my employer to recover funds, 3.property blacklisting and 4.court attendance.

 

What can I do, I'm only 19 and don't know how to deal with this type of mess...Any HELP would be appreciated.

 

Thanks,

Kirsty19

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Hi Kirsty,

this is Maggie,

see my thread Wescot ,please help.It is to deal with Studio Cards originally.

Hope it helps you,I know its a long thread ,but I hope it will do you some good.

Maggie

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Hello guys,

I have been threatened with 1.bailiffs, 2.contact of my employer to recover funds, 3.property blacklisting and 4.court attendance.

 

None of those can be applied unless you have a CCJ.

 

1. Any 'bailiffs' that call round will be debt collectors, not bailiffs, and they have no powers of entry whatsoever. See the Debt Action Group section on the main forum page for more about the differences between Court Bailiffs and lowly slime-wyrm debt collectors.

 

2. Employer contact would be a breach of the Data Protection Act without a court order; with a court order (CCJ) they can apply for an Attachment of Earnings order, so that a small amount will be deducted from each paycheque. This would be set by the court to an affordable level for your financial situation.

 

3. Property blacklisting - again, needs a CCJ and an application to put a charge on the house. There is no way that a judge would consider a Charging Order for such a small amount.

 

4. Court attendance - not as scary as you might think, as it would be the Small Claims Court, or the 'everyman' court; you would get as much of a chance to explain your situation to the judge as the catalogue company would.

 

Have you actually contacted the company about the missing goods? You need to write them a letter, sent Special, outlining the situation and making an offer to pay what you actually owe, whilst disputing the rest. Make it clear that you're more than willing to pay what you do owe, but refuse to be charged over the odds for a mistake of their making. Post it up here before you send it and someone'll have a read through.

 

You can also make a request for your original agreement with the company; a lot of companies don't store them with the care that they're supposed to, and without an original signed credit agreement, the debt becomes unenforceable in court. Again, you need to go to the Debt section and read up on Consumer Credit Agreements; the criteria may apply in your case.

 

Hope that helps.

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Click the scales if I've been useful! :)

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Hi Demon_x_slash,

 

I have paid the original amount I owed - was only £14.00, I didn't have to pay for items that didn't arrive (I wasn't charged for them).

 

Its the admin fees and moorcroft fees that I don't want to pay as I feel they have no grounds for charging them. I have the first letter in the envelope, but Hull has been flooded for two days - should be posting tomorrow with a £1 cheque.

 

Thanks for your help, will post any response by them ASAP...

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Thanks Tau.Very much .I have been concerned about Kirsty19 all day.

Hope this helps you in someway Kirsty19.

We are all here to help you as you can see.

Maggie

 

Thankyou Maggie, you've all been great...

 

will post any news ASAP ! :)

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Hi everyone, just got a phone call from 0161 4752802 asking for Kirsty (+ surname). We just said she's not here. They then said "can you ask her to call Andy back - its a business call" on same number. I chose not to answer as someone on here advised me to sort everything through post.

 

Did I do the correct thing ? Should I call back ? I have already sent them the 1st request with the £1 cheque etc. They must have got it today...

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No, don't call back - in one of your CCA/harrassment letters I'm sure it states that you will only deal with them in writing. If you're that worried about it, write them a short line in the morning saying something along the lines of: "Your representative attempted to contact me; I have previously stated only in writing; I stand by that; all further communication not in writing will be ignored..." Personally, I'd just wait and let the deadline for the CCA run out.

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AFAIK, but you'll get a much more assured answer in the Debt forum, upon receipt it's 12 working days before they're in breach, and a further 30 days before they're in criminal breach and the debt becomes unenforceable. Bear in mind, though, that the company can (although unlikely) apply to the courts to get the debt 're-activated'; they will also find this very difficult to do if they can't produce the paperwork. As I said, this is better asked on the Debt forum, as this isn't my speciality :)

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Unless you have kept all your statements, I would also make an SAR request for a list of all the charges they have added on using the template letter.

 

I sent the SAR letter to ACE 2 weeks ago on behalf of my husband, they have just replied with a list of their charges which they have immediately refunded crediting his account. They also credited the £10 chq he sent them onto his account.

 

Regards Joan

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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  • 1 month later...

Kirsty,

I had exactly the same problem as you and I was adamant that I would not pay the outrageous admin charges (£60.00!!), this is what I did:

Copied a letter from the BBC website regarding the refunding of bank charges, changed the wording slightly and sent it recorded delivery. About a week later I had a letter from Studio and they agreed to wipe the charges from my account!

RESULT!!!!!!!!

Hope you manage to sort it out soon,

Bev.

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Hi Bev,

 

We've still had no reply via letter or by phone. Don't know how to look upon this. Whether positive or negative. It does seem a bit strange though. A recorded delivery letter was posted and all instructions followed.

 

A letter from them may have been lost in the post as there was the BAD flooding in Hull at the time and also numerous postal strikes in-between.

 

Glad yours got sorted ! I like good news !

 

Kirsty

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