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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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Debt collection agency chasing me - whats my rights?


Linz192
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Ok so me and my partner have some debts to pay off and so went through our finances to decide what we could shave. One being the gym at £110 per month. I cancelled the direct debit then spoke to the gym in person to ask if we could take a 2 month break until our debts were cleared. She informed me i needed to give a months notice however i had already stopped payment and so decided to ignore there calls from there on. One month later i recieved a letter saying we owed them £110 and if we didn't pay our case would be passed on to a debt collection agency. I still decided to push my luck thinking i would call there bluff. Then on Friday i recieved a letter from this agency informing me i had 48hrs to pay or they may pass my case onto their solicitors. I have also noticed they have said i owe £132.00. I presume the extra £22 is there fee yet they haven't mentioned the charge. Now i don't understand why they didn't just pass my case straight on to the solicitors..is it because it may cost them money? If so are they really going to persue me for this measly £110. Surely they are taking a greater chance paying the court fees and in the case that i may not be able afford to pay anything. Of course i wouldn't let it get this far as i don't want to end up with a CCJ but they don't know this. So do i carry on to call there bluff and wait for the solicitors letter or shall i call today to sort this out? If they can send me proof of a signed contract by myself i am quite happy to pay but can they charge me for this information? And also can they add this £22 without informing me?

 

Many thanks!

Edited by Linz192
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Firstly, you have every right to receive on request a copy of the agreement that you signed, if this agreement makes no mention of the £22 charge they have applied, then they have no right to apply the charge as it isn't part of the agreement that you entered into.

 

Gyms are notorious for pursuing lapsing members, request a copy of the agreement and look carefully in the terms and conditions to see if it mentions the application of charges.

 

if the charge has been applied by the DCA, then they are completely unlawful as you have entered no agreement with them.

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Right great thanks, i thought that they couldn't charge this £22 without informing me or for the cost of sending a letter. I presume too then that i don't have to pay for information e.g. a copy of the signed contract (except posting charges). I just wanted to be sure before i state my rights in the phone call i am about to make?

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Send a £1 postal order to cover admin fees.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Just to update, i called this company and have been told i must pay £10 to recieve a copy of the contract. I told them my solicitor says that we have a right to see this information by law free of charge minus any postage charges. They then insisted under the credit consumer act they have a right to charge £10. Is this correct? Thanks

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NO.....it isn't right...quote them this...

 

Consumer Credit (Prescribed Periods for Giving Information) Regulations

1983 (SI 1983/1569)

2 Prescribed period

The period of 12 working days is hereby prescribed for the purposes of each provision of the Act specified in Column 1

of the Schedule to these Regulations relating to the duty indicated in Column 2 in relation to regulated agreements

 

 

SCHEDULE

SECTIONS OF THE ACT IN RESPECT OF WHICH A PERIOD OF 12 WORKING DAYS IS PRESCRIBED RELATING TO DUTIES IN

RELATION TO REGULATED AGREEMENTS

Regulation 2

Section of the

Act

Duty

(1) (2)

77(1) Duty to give information to debtor under fixed-sum credit agreement.

78(1) Duty to give information to debtor under running-account credit agreement.

79(1) Duty to give information to hirer under consumer hire agreement.

and section 78 for running credit

 

 

78.

Duty to give information to debtor under running-account credit agreement.

— (1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a)

the state of the account, and

 

(b)

the amount, if any currently payable under the agreement by the debtor to the creditor, and

 

©

the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

 

 

(2) If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)©, he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

 

(3) Subsection (1) does not apply to—

(a)

an agreement under which no sum is, or will or may become, payable by the debtor, or

 

(b)

a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

 

 

(4) Where running-account credit is provided under a regulated agreement, the creditor shall give the debtor statements in the prescribed form, and with the prescribed contents—

(a)

showing according to the information to which it is practicable for him to refer, the state of the account at regular intervals of not more than twelve months, and

 

(b)

where the agreement provides, in relation to specified periods, for the making of payments by the debtor, or the charging against him of interest or any other sum, showing according to the information to which it is practicable for him to refer the state of the account at the end of each of those periods during which there is any movement in the account.

 

 

(5) A statement under subsection (4) shall be given within the prescribed period after the end of the period to which the statement relates.

 

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a)

he is not entitled, while the default continues, to enforce the agreement; and

 

 

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Just to update..

I am starting to get nervous now and have no idea of the next step. I sent the letter off with a postal order for £1 last week. I have today recieved another letter from them totally ignoring my attempts.

The letter says...my records show that this debt has still not been satisfied and you may have chosen to ignor my attempts to assist you in resolving this matter. After further investigation my client has also confirmed that there are no outstanding issues or queries pending on your account. It is in your interest that you phone me today by telephone to discuss payment of this debt. Failure of which will result in us passing your account to Stenfield Solicitors for collection through court proceedings. Any additional court costs will be added to your debt. To avoid this payments must be made by card/chq/postal order within 48 hrs. All county court judgements are automatically registered in the register or cort judgements. If paid after 28 days the judgement is endorsed satisfied/paid but kept on record for 6 years.

 

OK whats the next step? I have checked with royal mail and the letter was delivered. They cant just slap on a CCJ without taking me to court can they?

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They may try to take you to court and indeed some do, but a judge will only award a CCJ if it isn't defended or you lose the defence case.....but wait until you hear back in answer to your CCA request and keep us posted....when the 12+2 working days is up send them this by recorded...

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request)

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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It is in your interest that you phone me today by telephone to discuss payment of this debt.

 

Is there any other way of phoning somebody without the use of a phone ? :)

 

Did they really say this or is it a typo ?

 

Pete.

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I think you will find that gym agreements, like mobile phone contracts etc., do not fall within the realm of the Consumer Credit Act.

 

The £10 they are requesting is probably for a subject access request under the Data Protection Act 1998. This of course does cover your situation and you should automatically get a copy of the agreement with such a request.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Oh no really?! So what now shall i contact the gym and ask for a copy or contact this debt agency? I thought i was onto a winner. They have recieved my request and not replied telling me this information, will that make bare any reasoning on my part if it goes to the solicitor? I feel stupid now :(

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I was a member of fitness first for some time a few years back and decided I didnt like it anymore and cancelled my direct debit.

 

They ranted on for some time with there threat letters before they must have got bored and gave up.

 

Im not saying this is what happens for everyone ... Just my personal experience.

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Thats what i thought, its only one gym and not a big chain, surely they arnt going to risk taking me to court and having to pay court fees on the chance that i can't pay! The court fees would possible be more than what i owed. My sister was a member at fitness first and she cancelled her DD, by saying theres a law that you only pay for you have used, but have since tried to google this and found nothing.

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Regardless of whether the debt is covered by the CCA or not, you have raised a genuine query against the debt, you can prove this, they are not allowed any enforcement action whilst a debt is in dispute. If they do decide to take you to court, that should be the basis of any defence.

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  • 1 year later...

i have a problem i had a letter come to my address off a debt collection agency telling me i owe £227 i made them a offer of £10 a month they accepted didnt ask me what money i was getting, then i get another letter off a different debt collector about another debt i owe whitch is £672 i phoned these up and told them that i could only afford £10 a month they said to me its got to be £12.00 a week because i was paying that to provident whats providents contract got to do with them so i set up a standing order to pay £5 a week not £12.00, a couple of weeks go by then they ring me saying that they cant accept £5 a week so where have they been for them 2 weeks i told them they are going to have to take the £5 a week and they said they dont have to take anything what should i do about it

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Hi. Welcome to CAG.

 

I think it would be better to start your own thread. Click this link:

 

Debt Collection Industry - The Consumer Forums

 

Just down on the left is a new threaed button. Click on that and you can then start your own and I'll keep an eye out for you.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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