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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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Handing a car back to finance company has left me with default threats, & harrassment


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Hope someone can help advise me here.

4 months ago, I wrote to finance co. to terminate HP contract & return car. I had paid 65% but car was worth less than I owed even at early settlement. Having spent £2000 on repairs, I felt it was my only option at purchasing a new car. I never defaulted any payments. Finance co took 4 weeks to collect car from a local garage. They then started ringing me & asking for payment for damage to car. I pointed out that it was in very good condition, to which local garage agreed and I added that ariel was already broken when purchased and battery was flat as car had stood for 4 weeks.

I had nothing in writing and hadn't heard anything for 4 months when I received a call to say that I owed £2200! After arguing the case I was promised an update. Receievd nothing for a few days, then a call asking for £365.00. I said that I disputed these charges and now felt harrassed by company. Caller said as measure of good will, they would drop payment to £200. I stood my ground to then receive threats that company would default me and give me a bad credit report.

Wondered if anyone has experienced similar. Feel like just giving in, but don't believe that I should owe them money. Can they default me without my knowledge?

Best regards y'all.

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if you have paid 50% of the agreement you are entitled to return the vehicle so long as you have put the request in writing. this is called voluntary termination and it is part of the consumer credit act. the firms do try and fob people off citing damage and the like and usually we advise our clients to take photographs just in case. if they have defaulted you without notice that is VERY naughty. it might be worth speaking to the credit reference agency in question and see what can be done.

 

in the meantime here is more info on hire puchase >>

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_how_to_deal_with_hire_purchase_debt

 

edit: i just need to double check, you never defaulted on payments prior to returning it?!?!

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Thanks for advice. No, I never missed a payment and paid 65% before vt. Did put it in writing, but didn't take any pics. The few things they reckon add up to £365 are there, but as I said, the car was 7 year old, you would expect to find a few scuffs on the bumper. I just feel they are trying to bully me into making some sort of payment. Feels like the girl in question is working on commission!:)

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Hi Jooly, I was in a similar position about 10 years ago, and a company did the same to me, tried to get me to pay for damage that was already there etc. I stood my ground and eventually went through arbitration. The judge was completely on my side, and knew the tactics of credit companies like these, and I came out of there feeling so euphoric. I didn't have to pay anything at all to them, plus the judge made their rep look and feel like a fool. That was the most satisfying thing ever;-)

Hope it all goes well for you and if push comes to shove remember the law is on your side:)

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  • 3 weeks later...

Hi - I work as a finance manager in a big car supermarket & look at finance docs all day. The wording in the termination clause says "You have a right to end this agreement. To do so you should write to the person you make your payments to. They will then be entitled to the return of the goods and half the total amount payable under this agreement, that is £XXXX. If you have already paid this amount plus any overdue instalments and have taken REASONABLE care of the goods you will not have to pay any more." It seems to me that "reasonable" is quite a subjective term. Anybody could reasonably expect a 4/5 year old car to have a few dents & scratches. Heres something important to look out for - at the time of taking out the agreement most people also buy one or more insurance products (PPI,Gap etc). There is normally a separate CREDIT agreement for these (NOT HP). Sometimes this is not made clear when signing and the signatures are normally on the same page - these amounts would still be owed to the finance company even if the car is handed back so if you have taken out a £2000 PPI policy chances are you will still owe £1000. PPI is the most profitable part of a finance deal for both the finance company and the dealership and the cover offered is available for about a fifth of the price charged through standalone products - try googling PPI or CPI. If anyone has any other queries about car finance PM me.

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  • 3 years later...

Hi,

I wonder if someone could help me with my problem. I phoned the finance company today to ask their procedure for returning my car. They told me that Arnold Clark had taken out a personal loan on the car for me. The finance company said therefore I could not VT the car. When I was buying the car Arnold Clark told me it was a car loan that I had. What should I do now. I still have £5500.00 to pay on the car which I have been paying for 3 years and it is only valued at £2100.00. :sad:

 

Any help would be great-full.

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Hi 51187,

 

It best to start your own tread to get help for yourself.

 

If you click on General Knowledge - The Consumer Forums to take you back to the main forum and then click on

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and copy your post from here an paste it in the new thread

 

Ida x

 

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