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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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Mackenzie Hall - Money Shop Debt


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Hi

 

I have an outstanding debt with The Money Shop for £620.00

 

I have been in contact recently with MH and I did set up a payment plan, however, I am not 100% sure that I have made any payments. In fact, I had a "online" chat with someone a few weeks ago and they confirmed that £5 has been paid off the debt.

 

I have sent a CCA request to this Company, payment yet to be presented - silly me I sent them a cheque payment!

 

I have today received another chaser letter wanting payment by noon 29th Jan 2009.

 

Now I have two questions:

 

1. Do I ignore this letter and wait to see if the CCA turns up?

2. Do I contact The Money Shop and ask for them to withhold action even though The Money Shop do not know my confirmed address?

3. Shall I send them another snot-o-gram?

 

I tried to talk to them via their online chat this morning, but because I wouldnt fill in the details and only completed the reference number he hung up the chat on me the to**er!!!

 

Jo

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I have been in contact recently with MH and I did set up a payment plan...

Ouch!

Do I ignore this letter and wait to see if the CCA turns up?

You should allow 12+2 days for them to comply with your CCA request and that is all - not 'see if it turns up'. If the time has expired, send them a copy of http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

...he hung up the chat on me the to**er!!!

What an accurate description of a Kilmarnock Kowboy!

 

Don't use the online chat or telephone, you want any discussion to be in black and white, so you prove what was said and when. DCA muppets are not known for being bright and could easily type into their system that you were going to pay £55, not £5. NEVER let them have bank account details or make payment via debit/credit card, they may forget the conversation and could make further debits a few days later... (note the use of their favourite words MAY and COULD!)

 

Quite simply, if they don't send the paperwork, send them maroondevo52's letter and that should be it.

 

The Money Shop wouldn't want to know, simple as that. They've passed on details of the alleged debt for collection and they'll just say its out of their hands.

  • Haha 1

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Yes, as soon as I met this site I realised I shouldnt have paid that £5 payment **slaps head**!!

 

Thanks for the advice, they have NEVER had my card or bank details that is one thing I know not to give to these idiots.

 

The funny thing was when this idiot stopped the online chat I registered again and got the same guy, had great pleasure in asking him he if was going to disconnect again and then called him an IDIOT before I hung up the chat! Had to be done i guess!

 

I am on countdown for the 12+2 days. I have a file with all my paperwork in and I need to sit down and sort it out so I can plan my next stage of attack!

 

Thanks for your help, have clicked your scales BTW!

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Well that account is going to be closed, with NatWest. My account with HSBC is a new one and they NO details whatsoever and that is where my salary, tax credits get paid into.

 

Thought give them their due, NatWest are good at recalling payments if they haven't been made.

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I have today received a letter from Mackenzie Hall, returning my £1 payment and a letter saying....

 

We refer to your letrer dated 1/21/2009

We have contacted our client for a copy of your agreement and statement of your account.

Your account is currently on HOLD. Please be assures that no action will be taken against you.

Should we not receive the relevant proof from our client within 40 days we wil close your file and return to our client. Our client will then decide what step to take.

 

Right, what I now need to know is:-

 

1. Can they hold this for 40 days? Surely this should be the 12+2 days?

 

2. Would they have made a indent on my credit file and can I ask them to remove this?

 

3. Is there a follow up letter to their holding letter that I can send them?

 

Thanks J

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I have today received a letter from Mackenzie Hall...

They like making things up as they go along, hoping that you don't know the law. They have 12+2 days to comply with the CCA request. If they don't send it in that time then they fail. Simple.

 

If they cannot enforce the matter by way of a valid CCA then they have to close the file and remove any default from your credit file.

 

Their time is up soon, if you've heard nothing more by the end of this week there is a good letter to base your next move on at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/170674-reply-cca.html#post1840880

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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They have 12 days - end of. The additional two days is not part of the statutory limit but to allow for the Royal Mail to deliver their letter to you. If they havern't posted it by working day 12 it ain't never going to happen.

 

So on 12days plus 2 you send them the letter syaing - you ain't got the paperwork, push off and don't bother me.

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