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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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Alias on my credit report?


Shutsumon
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I just got through checking my credit report and there's an alias on it and I have no idea who this person is (except that they aren't me). There's no credit checks or debts I don't recognise on the report so I doubt it's a fraud thing. So I'm a little baffled as to where they got it.

 

Thing is this "alias" is my first name and initial with my mum's maiden name as surname. I've definately never used this name. Has my data got mixed up with some other poor bod with a similar name or should I be worried about fraud in spite of there being no attempts to gain credit that aren't mine (and precious few of those due to my history)? Should I try and get it removed? If so how?

 

My mum's name is also linked to mine (not as an alias) on the report which in one sense is fair enough since we were financially related as well as genetically... but she died in 2001, should it still be there?

 

Shutsumon

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The most likely way in which your name is linked with your mum's would be if you and your mum made a credit application (or utilities, mobile phone etc) in joint names, or if you or she acted as guarantor for the other. This then creates a financial link with the other person and their own credit history.

 

Depending on the choice of the lender (and the wording on the application form) your credit applications may then be considered not just on your own credit history but also on those of anyone who you have had a link with.

 

As to why your mum's maiden name is showing - no idea I'm afraid. The CRA should have a helpline where you can query this and hopefull get it resolved.

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The most likely way in which your name is linked with your mum's would be if you and your mum made a credit application (or utilities, mobile phone etc) in joint names, or if you or she acted as guarantor for the other. This then creates a financial link with the other person and their own credit history.

 

Depending on the choice of the lender (and the wording on the application form) your credit applications may then be considered not just on your own credit history but also on those of anyone who you have had a link with.

 

Yeah, that was my summise. She was disabled and I was her carer so we were financially linked due me being on virtually everything credit related she had. Even the loan-o-doom was joint. I was only surprised since she's been dead for seven years. Can you even check a file after the person is deceased? (Though hell her credit rating was likely better than mine is right now).

 

 

As to why your mum's maiden name is showing - no idea I'm afraid. The CRA should have a helpline where you can query this and hopefull get it resolved.

 

Yeah I'll have to do that once I don't have a sore throat. Can't talk at the moment. :( But how will I prove to them that I'm not this other person? I'd never do anything so fundamentally dishonest as apply for credit in a false name.

 

Becky

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Your credit record should have a reference number assigned to it, and they go through very thorough checks so that you say who say you are. In the first instance call them, and see what they can do. They will probably say they need it in writing, but you have all the details anyway, so it "should" just be a formality. Another thing they allow is for you to add a note from yourself, so they might suggest that, but just call and ask for advice anyway.

 

Regards etc...

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I found I had a number of aliases on mine 21 to be in fact.....I emailed experian who were really quite good. Would you believe that a lot of the aliases came from incorrect spelling of my name and the biggest joke was it was Orange PLC.... several times throughout the file registered against me though twice on there they got my name spelt right but still managed to get it wrong at least 8 times. The reference is very handy to give experian, I made a list of each entry giving the ref and they investigated this and got them removed after contacting orange and them sent me an email to confirm this and also advise they would let all companies who had searched my file in the last 6 mths know also.

 

So I would definitely suggest emailing them if you are not in a position to speak!!

I'm fighting back and ready to go :D who will be my first victim? LBL, Brighthouse.

 

..."If you have no confidence in self, you are twice defeated in the race of life."

 

I am not here to insult or offend...just to offer advice and seek advice as all this is a learning experience, such is the cycle of life...for those that would wish to insult me for my thoughts or deeds...Stay Blessed for I know my heart is pure with no ill thought towards YOU. :cool:

Nationwide Won:D Benefits returned £577

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  • 2 years later...

I have just gone through my Experien report & never noticed it before, but my aliases have me also known as my husband! I checked his file & all my debt is on his file too??? None of these debts are joint applications, they are my credit cards & mobile (orange) phone accounts past & present this has made me angry as my husband's credit file is in poorer shape than mine. no wonder I have problem getting credit - It looks very dodgy!

I've emailed Experien with the ref Nos. Can I expect anything more than an apology - who would be to blame for this?

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