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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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Hi, sent CCa to capitalone and SAR received reply to CCA could some one look at this even if it is only for a laugh.

capitalagreement.jpg

 

capitalagreement2.jpg

 

capitalagreement3.jpg

 

 

 

What planet are these people living on.

 

what should i send now,

Edited by MandM
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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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As you can see from the letter thy are trying to say that they do not have to show an agreement with the signatures and personal details, why it is what we have askd for.

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Bump

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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As you can see from the letter thy are trying to say that they do not have to show an agreement with the signatures and personal details, why it is what we have askd for.

 

They don't have to provide the signatures. The statement they make about Regulation 3 in their letter is correct.

 

It is somewhat unfair as only they know if an enforceable agreement exists in the event of needing a court to decide on enforceability. Are you feeling lucky? Are you confident in calling their bluff? Do they have your signature or not?

:!:Don't believe them! The wool they try to pull over your eyes is 50% cotton. :!:
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I would be sending them this (just as a wind up but you never know)

 

Dear Sir/Madam,

 

 

To avoid any confusion on either side could you please return this form with the relevant details completed.

 

 

 

  1. Do we have a fully compliant, signed agreement in accordance with the CCA 1974

 

 

YES/NO*

 

 

2. If yes, are we prepared to send this to you

 

 

YES/NO*

 

 

 



  1. If no, we will happily go forth and multiply and not bother you again with any more stupid, irresponsible telephone calls and letters pretending to threaten all sorts short of taking your first born.
  2.  

     

    YES/NO*

     

     

     

     

    * Delete as appropriate

     

     

    :-D:-D

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

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I would be sending them this (just as a wind up but you never know)

 

Dear Sir/Madam,

 

 

To avoid any confusion on either side could you please return this form with the relevant details completed.

 

 

 

  1. Do we have a fully compliant, signed agreement in accordance with the CCA 1974

 

YES/NO*

 

 

2. If yes, are we prepared to send this to you

 

 

YES/NO*

 

 

 


    1. If no, we will happily go forth and multiply and not bother you again with any more stupid, irresponsible telephone calls and letters pretending to threaten all sorts short of taking your first born.
    2.  

      YES/NO*

       

       

       

       

      * Delete as appropriate

       

       

      :-D:-D

       

      :D:D:D It's tempting - do you think they'll answer? lol

       

      M

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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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Of course they will answer, albeit two months later and with nothing that refers to the previous letter.

 

This IS CAP1 we are talking about. One of the leaders in utter bovine excrement

 

Does anyone remember a party game where you give the answer to the question before this one. This is how CAP1 work

 

Letter one. Do you have an agreement?

 

Response one. ERM no there can't be one!

 

Letter 2. This account is in dispute!

 

Response Yes!!

 

Does this sound familiar :)

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

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I can never understand why they, and others, hide behind the 'we are allowed to withhold the signatures'. Surely it's much easier and quicker to leave the signatures on rather than remove them. Or, perhaps, it's too difficult for them to put it on.

 

Who are they protecting, do they think that you don't know what your own signature looks like? I'm sure that a fraudster trying to obtain a copy of a signature wouldn't write to a financial institution to try and get it.

 

You could write and ask them to provide the signature(s) so that you can verify that it was you that signed it. Don't hold your breath, though.

:!:Don't believe them! The wool they try to pull over your eyes is 50% cotton. :!:
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Thanks usaname, and Mr Fox (have read your posts elsewhere on Cag with interest :))

 

Will see where this one goes and start the fight

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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I have drafted this letter does it look ok or is it too much. Do I have to send another £1 to them.

 

 

Dear Sirs

 

Account number *************

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed

 

I would also like to see the relevant PPI section.

 

Obviously if the agreement is improperly executed I would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore an unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which I have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and would ask for a response by 30/12/09

 

Regards

 

 

 

 

 

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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can anyone tell me how to sort out my thread as the pages are very wide and i dont know if i can edit

 

NOW SORTED!! so ignore this post

 

 

Mrs M

Edited by MandM

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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I have drafted this letter does it look ok or is it too much. Do I have to send another £1 to them.

 

 

Dear Sirs

 

Account number *************

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed

 

I would also like to see the relevant PPI section.

 

Obviously if the agreement is improperly executed I would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore an unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which I have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and would ask for a response by 30/12/09

 

Regards

 

 

 

 

 

 

Bump

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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personally, I can't see anything wrong with it :)

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

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Thanks silverfox, will send the letter now

 

 

Mrs M :)

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

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Looks good to me. Personally, I wouldn't send another £1, as they have failed to provide the correct information in the first place.

:!:Don't believe them! The wool they try to pull over your eyes is 50% cotton. :!:
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Thanks usaname. will send the letter and wait for the fight.

 

 

Mrs M :)

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Crap1,

have so far sent nothing to my CCA, SAR & LBA. The only thing they sent was 3 letters saying my signature didnt match what they had on record and could I send a copy of passport or drivers licence.

The only other thing they did was get there DCA to threaten me with a charging order which was nice. They never asked for a signature. Bless em.

 

 

Pumpytums

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Oh well, letter sent :D. Let's see what happens.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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  • 2 months later...

HI everyone

 

Received a reply from Crap one they sent a copy of the signed agreement can someone have a look and see if it is right.

 

baz001.jpg

 

 

capitol001.jpg

 

 

capone1001.jpg

 

 

Not sure why they did not just send this at the begining if they had it.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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One more point to make I dont see anywhere on the agreement about the PPI he has been paying

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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I thought you might like to have a look at this thread as it is on a similar vein to yours.

 

http://www.consumeractiongroup.co.uk/forum/capital-one/224281-ngj-cap1.html

 

If you click on the links in the first post, you will see a striking similarity to the cr*p they have sent you.

 

Having looked a these "agreements" a lot, I don't see any reference to any terms and conditions "overleaf. All it says is that you have read the terms and conditions which mean bu**er all.

 

It is devoid of

The APR

Credit limit (or a statement saying one will be set)

Repayment terms

 

So basically and in my very humble opinion, it's a pile of poo :D

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

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Thanks Silverfox

 

I am still waiting for the SAR from them so I can work out what they owe him for ppi. Should I wait until the time out and combine the letters or should I hit them now with the CCA is rubbish letter and sort out the ppi later.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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HI,

 

Sorry have just realised that the SAR request was due end of December what should I do now.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Thanks Silverfox

 

I am still waiting for the SAR from them so I can work out what they owe him for ppi. Should I wait until the time out and combine the letters or should I hit them now with the CCA is rubbish letter and sort out the ppi later.

 

Mrs M

 

Up to you really

 

HI,

 

Sorry have just realised that the SAR request was due end of December what should I do now.

 

Mrs M

 

 

Formal complaint to Crap1 giving them 7 days to respond. They have had enough time.

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

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Thanks

 

Any ideas on the sort of letter I should be sending or could you point me to a link.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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