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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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Claim for possession of property


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My husband and I have received a Claim for possession of property form, we are seeking to defend it ourselves, as we are not in arrears on repayments and do not really understand why this order has been made, but need a bit longer than 14 days, as I am not too well at the mo...:(

 

Would anyone be able to confirm if we can use the N9 - Acknolwedgement of Service to extend our delivery of the defence form?

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Hi Bona

 

The hearing is for the 7th May 2008. The monies borrowed were for a business we ran that went belly up after the US company we had a franchise with pull all international franchises without notice.

 

The business loan was secured on our home, and in 2006 they approached us to make repayment. The sum owed in 2006 was £65K. They were looking for us to pay £750 pcm but with we negoitated we would make lump sum payments and clear it quicker and paid £43K in 2006, £13K 2007 and are on course to clear the balance of around £13K July this year.

 

If we had met their demands for £750 pcm we would have taken ten years to clear the loan, the route we agreed with them (because we have irregular incomes) has meant it will be cleared in 3 years instead! (Maybe they are peeved because they will earn less interest from us :))

 

We have in the last three years got ourselves we have worked hard to get ourselves out of debt (as there were many unsecured debts as well) and will be debt free (apart from our mortgage July this year). The company have acknowledged that they had an informal arrangement with us but now they want all the money now rather than July 2008. We can not clear it before then, and feel they are been unreasonable and have gone back on their word.

 

We feel we have a pretty good case to build, as we have stuck to our agreement and are on track to repay all sums shortly. We are not in a position to do it sooner, as income does not come in before July to enable us to clear this and all our other debts.

 

I feel this company has harrassed us - with sending surveyors to value our property without notification, send communications to our elderly parents chasing £30K from them (when only £13K is owed) when they promised not to use the guarantee with our parents as our mother has a very serious heart condition and was hospitalised when the first chased in 2006.

 

I have pluersisy at the moment and am on antibotics but it has worn me out and would like to see if completing an Acknowledgement of Service can be used to give us an extra seven days.

 

Many thanks!

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Hi SWTS

You've done really well to get yourselves this far paying such large amounts.

Have you got the repayment agreement from the company in writing or was it just verbal?

 

On the matter of the American company pulling all UK franchises was there nothing you could do to recoup your outlay? It seems they just ripped you off. You probably tried everything at the time but did you go to trading standards to see if they could help?

 

I don't know about the extension time for court I will try and find out for you in the meantime some one in the know may come along.

 

Remember to make notes of everytime this company has contactsed you or your parents and what they said. Ideally do not speak to them by phone.

 

A lot of companies (and banks) are panicking at the moment and are trying to get as much money in as possible.

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Hi there, I have just checked with my local court manager who tells me that you cannot use an N9 form. However, although the N11m you have received says the defence has to be returned in 14 days, as long as the court has your defence before the end of this month it will be fine - they just need a week or so before the hearing to put the file together. She confirmed that all county courts have the same process.

 

If you need any help at all with completing the defence form and in particular Section 27 (the important part) I will be more than happy to walk you through the form, and write the statement for 27.

 

I hope you feel better soon, it must be very distressing to have this trouble when you are poorly.

 

Kind Regards

 

Ell-enn

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Hi Wino

 

Thank you for your reply, we really appreciate how helpful everyone is!

 

The company never put our agreement in writing (and in hind sight I can see this is not ideal) but the fact that they have received these lump sum payments and not chased in between might show that they did agree to it. There are letters from them that show there agreement although they do not state in black and white the finer details. The letter from the solictors regarding them chasing our parents acknowledge in writing that they did have this informal agreement with us, so again this might be sufficent proof, or certainly calls in to question their assertions.

 

We did look at taking legal action against the US company - but with been left high and dry with the debts the additional costs would be too much. We did try and work with this company to sort it out, but a multi million pound business can afford legal resources that we could not. In the end up we had to take a pragmatic rather than an emotional decision and sort our mess out, keep ourselves sain and move on.

 

We have learnt a lot, It did effect us badly for a long time after, but as a family we are together and stronger...and can live on very little and still enjoy our lives.

 

 

Cheers :-)

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He Ell-enn

 

Thank you for your response and offer of assistance, it is very much appreciated. I am going to get a letter to the court today explaining illness and that we will have the paperwork to them late next week, I will send a copy to the solictors as well.

 

I have had a quick look at the Defence form and it seems reasonably straightforward (could be famous last word!!). If it works with you we will fill it out as soon as we are feeling a bit better and forward you a copy for you to look over. I can put together a statetment for section 27 and forward that as well.

 

I think the worst thing about pluersisy is my ribs are killing me, and I am not getting a great nights sleep, so I look (and feel) as if I have aged 40 years in a few days :wink:. Trying not to get too distressed about this - I feel we have taken responsibility for our financial messes, we have worked hard to clear such large debts in three years - and we are going to be even happier when we are debt free later this year!

 

Thanks again!

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  • 4 weeks later...

Trying not to be too nervours about our hearing tomorrow. It is always daunting going to court. Thanks to fanstastic support and advice from Ell-enn and others. We really appreciate all the input and support!

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Good luck you will be fine just remeber a few important things I assume you have put yuor defence in the judge will have read it let him ask the questions let the otherside dig a hole forthemselves, Dont talk to the other side unless it is to ask them to withdraw what ever you say THEY WILL USE AGAINST YOU if they do not turn up ask that they be not awarded the costs they have incurred and you want yours loss of earnings travell and anything else you can think of

Will be waiting you post tomorrow to let us know how you got on

 

Were all here for you

 

Bona xxx

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Hi All

 

The judge was scathing that LTSB were taking such an action when so little was owed, and so much has been paid, and there was so much equity in the home.

 

As it was an 'all monies charge' the seems the judges hands were tied but using Habib -V- Tailor [1982] the judge ordered a suspended possession order for three months along with a money order.

 

This should give us room to move things forward.

 

At court a Barrister from CAB offered to come in with us and put forward our case - which was very useful.

 

We really appreciate the assistance and support we have received here, and to Ell-enn a big thank you for helping us with our statement.

 

Now for the next chapter!

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That's great news - hope it all works out for you from now on.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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