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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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      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.
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Blemain - lies and harassment


Challenging
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I called Blemain yesterday regarding their failure to provide a breakdown of charges and supply me with their complaints procedure. I spoke to their aggressive and appalling Collections Manager who told my husband that they were going to throw us out of our house next week. We told him that they had to follow the correct legal procedure and that they hadn’t notified us. He told us that they could do what they liked and that he didn’t have to write to us. He told us that they could just turn up and didn’t have to give notice. We told him that the eviction date related tour 1st Mortgage, not them and that this was being deferred and sorted. He told us that we were talking rubbish.

We today visited the bailiff who told us that they didn’t have an eviction date and that it did indeed relate to the first mortgage. He told us that Blemain had called him and asked for us to be evicted next week. He told them that they had to apply for a warrant and wait approximately 4 weeks (they applied to the wrong court). They weren’t happy with this and asked for it to be executed at the same time as the first lender – even he was appalled. He told them not to bother to turn up as they had no jurisdiction. I am so angry at their tactics and will make it my mission to make them pay. The FSA have lodged a complaint about their conduct and unlawful tactics, Trading Standards told me to call the police and the FSA also told me to call the Ombudsman about their behaviour, which I will do tomorrow. I am also going to meet my MP about these bullies and have lodged a complaint with Cheshire Mortgage Corporation

Any advice on their tactics?

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I know when timing becomes critical that there is a temptation to use the phone. Try to avoid it as anything can be said over the phone that would not

be put in writing. But once you have it on paper, your case becomes stronger.

So only ever write to these people.

In order to establish what was said on the phone yesterday, you could try writing to them restating what the Collections manager said and pointing out

that you maintain that legally they have to observe the proper procedures.

And ask for their comments. Do not mention your conversation with the bailiff

company to them, nor that you are involving the FSA TS etc etc.

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Where a phone conversation has taken place, it is often helpful to follow up with a letter along the lines of:

 

I refer to my telephone conversation with XXX of (date). My understanding of the conversation is that XXX stated that Blemain are not obliged to comply with the law and intend to 'have us thrown out' of our house next week. I would be grateful if you could clarify your position in writing in case I have misunderstood.
List all the points they made, and standby for the backpedalling answer.
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Hi Sequenci

It relates to a secured loan. My husband got into arrears, didn’t tell me and apparently they went to court and got a CCJ. We were recently remortgaging but the new mortgage didn’t completely cover the 1st mortgage and secured loan because of the ERC and collection costs. Blemain refused the deed of postponement even though most of then loan remaining with them would be charges. Their reason given was account conduct and this is stopping us from progressing. Basically Blemain have threatened us with eviction when they had not followed a process. We have asked for a transcript of the call.

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Are you sure it is a CCJ for a secured loan? it should be a suspended possession order. Please find out ASAP and get back to me. Also, have you sent them a SAR?

 

Apologies about my posts earlier, my pc was playing up.

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I haven't sent a SAR yet but will do today as I am making an official request for all data protection stuff, record of call and justification of collection costs via Cheshire mortgage Corporation and will ask for their written opinion on what I was told by the Collections Manager.

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They have definately told me on more than one occasion since I have become involved that it is a CCJ

 

well it is a county court process, the same as obtaining a money judgment. it's just that the process for repossession for secured lending is very different from enforcing an unsecured money judgment. if it IS a secured loan then previously i would imagine the court has agreed to a suspended possession order on terms that you meet the contractual payment of the loan agreement plus something towards the arrears.

 

if this agreement has been breached then you will need to apply to the court for another suspended possession order on the n244 form.

 

you did mention that the wrong court was used to perhaps the mortgage lender has used an incorrect court process. it could be worth calling the court and finding out what the score is.

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Following our conversation Monday, it appears that he checked his facts and found that we were right. They had applied for a warrant (in the last week) as we checked with the courts, but had applied to Liverpool. The application has therefore got to be transferred and they have to wait 4 weeks, so he stamped his feet and said that he wanted us out. I will pay the arrears to stop this but I am confused as they never mentioned a suspended possession order, just a CCJ. It is vital that I get all documents asap and challenge them. I just can’t believe their vindictiveness.

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knowing blenheim they are a shower ob (edit my own language)but they will try every dirty trick in the book ,you must get some recording eqipment and record all conversations with these ****,when eventually i have my operations i intend bringing a serious claim against them ...so hang in their google blenheim and keep a full detailed record of everything said ,its a shame your hubby did not take them seriously had he been on here a month or so before he would now be in a position to do something and releive some of the stress on you,but dont worry on here you will get the best advice in this forum but you must act quickly good luck

patrickq1

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Thanks to everyone for your help. I am pretty depressed at the moment. My husband is the type to bury his head in the sand and there has been no need to cause this. I am on annual leave and it's unbearable.

 

The original loan was 34 (they want 43) and another loan was taken out for 5 (they want 8) These were taken out in response to another mess he had got us into. He admits that he can't handle any financial responsibility and I will have to make sure that he is not even trusted to pay the milkman in future and gets help but this mess is not fair on me and the children.

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The original loan was 34 (they want 43) and another loan was taken out for 5 (they want 8) These were taken out in response to another mess he had got us into. He admits that he can't handle any financial responsibility and I will have to make sure that he is not even trusted to pay the milkman in future and gets help but this mess is not fair on me and the children.

 

If he took out those loans to pay off unsecured debts you should CCA / SAR those creditors - there are bound to be bucketloads of charges to recover.

"Why CCJ when you can CCA!"

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  • 4 weeks later...

Challenging; i do feel for you. Blemain are an outfit that should not (if it were up to me) be allowed to trade.

 

They've enabled you to be in this awful position just to make a profit.

 

Shylock from The Merchant of Venice comes to mind.

 

I once worked there and regret it wholeheartedly.

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does this blemain company have a really bad reputation? as my mum is in the middle of getting a laon through access and apparently blemain has something to do with it after reading these posts im now slightly worried about them!!

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Blemain are sub prime lenders, they usually lend to people with adverse credit or who have problems obtaining credit elsewhere, you would normally pay a broker who will arrange finance with sub prime lenders such as blemain, they usually secure loans on your property and if you maintain your payments on time then every thing should be ok, but if you fall into arrears then your in trouble, 3 months arrears and they will go for full reposession of your home, also if you want to redeem your loan early the redemption figures are very high, tread very carefully with this company..Gc

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Hi

 

I have sent a SAR to Bf back in June which they have replied to by sending a copy of my agreement ,T&C's a statement of account (not showing any charges) and a copy of their complaints procedure.

 

I have lodged a complaint with ICO but no reply as of yet. I have written to FISA several times they have tried to help but say they do not regulate their members.

 

I have also contacted the OFT and am awaiting a reply. Trading Standards and FOS both say it is not in their remit.

 

Blemain are a law unto themselves and it does seem that no regulatory bodies are prepared to intervene leaving us all at their mercy.

 

I really feel for you they are complete barstewards and have no respect for the law at all.

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