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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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NDR Money?


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Anyone had any dealing with NDR Money.. They are acting on behalf of very.co.uk, Anyway cut a long story short they have taken some of the debt i when i pay that they will pass we back... 1 slight problem they wont let me set the date to my pay day and will keep charging me £12 late fees??

 

Any one had this problem before with this company?

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So Very has passed the account to NDR to collect?

 

Who is adding these charges for late payment?

 

How old is this account? Roughly how much?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yeah passed onto NDR money i have a 4 month payment plan and once i have paid four months i will just go back as a very customer for the rest

 

Account total : £1411

 

NDR Money £384

 

Very:£995 ish

 

Account been open for about 7 years, I have sent them a CCA request 10 days ago so awaiting that to come through to me

 

As far as i can gather the charges will go onto what i owe very but they didnt make it clear, tbh the women didnt seem like she gave a crap about anything i told her, I am going to ring back tomorrow and ask them to put it in writing that they will not change date and give a strong reason as to why they wont change the date to help support me in these bad times

 

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OK, first off NEVER EVER RING THEM you MUST keep everything in writing from now on, so as to give you a paper trail of evidence, (Unless you are recording your calls?)

 

Did Very inform you that NDR would be collecting payments from now on?

If not it is quite possible it's a ruse, and I wouldn't pay ANYONE other than Very! You MUST have a letter from Very & NDR, stating that Very is passing it over to NDR, & NDR saying they have been given this account by Very.

 

How did you send the CCA request? Recorded delivery or otherwise? If it was RD and you know the day they received it on, then it is 12 "working days" from the day 'after' they received it. If it was other, then it is 14 working days from when you posted it.

 

YOU take control, write to them stating the date of payments & the amount which YOU will be paying. Ignore the charges for the moment.

 

If they ring you then all you have to say is, "everything in writing" and put the phone down, if they persist, just place the receiver on the side, or put it in a drawer, then go back 10 mins later and see if they have hung up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yeah will look at the paperwork now i do think they said they were passing it on, but tbh will you i am confused as to why they have only passed over a bit of the amount.. Yeah phoned them just i suppose for a quick response, but i got a mouth full and a rude person anyway i put the phone down on her..

 

Yep sent the CCA request recorded delivery and got a signature from the online tracker!! I am hoping they haven't got the original details not because i don't want to pay them back but so they can back off a bit..

 

Need to find a template now to send them regarding telling the the day i will pay and the amount i will pay

 

anything you suggest?

 

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Sorry nearly my bedtime, just clarify for me, you send the CCA request on the 28th Mar, but the track & trace isn't showing that it has been delivered??

 

If so, you will find that all RD letters are signed for in bulk, so give the PO a bell tomorrow and ask what has happened to your letter? Whether they can confirm that it has been delivered and if so, when.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yep no worries Tingy have got that letter typed up and ready to go to them, just wanted to get a feel to see if anyone else has had any dealing with them to get a bit more info on these in house ppl!!

 

Yeah sent recorded on 28th so will ring them tomorrow and ask them if it was delivered if not will re send!! i hope it has because that will mean that they are overdue in sending me this information and i can send them another letter informing they have failed to reply in a timely manner

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  • 2 weeks later...

Okay have sent off for my Very/Littlewoods/Shop direct(all under same umbrella) CCA request,

 

They have sent me how much i owe when i opened the account, what i have payed in the last 12 months, etc etc but has not sent me anything with my signature on to me accepting the terms and conditions?

 

They have sent me the current terms and conditions with my Name and address DOB printed on the form..

 

What do i need to do now?

 

The account is currently with NDR money as i have set up a payment plan but do i now put this into dispute?

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you probably did these online

 

so there will not be a signiture anywhere

 

if it can be shown that a clear financial link exists, then trying to avoid your debts with 'paperwork' errors is not the way to go and not what CAG is about.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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threads merged

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hey Dx i am not trying to get the debt removed i am simply trying to get some breathing space to be able to get the account back up to scratch.

 

The application was done in mid 2003 so was their online applications in 2003?

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yep but i wouldn't worrry about all that..

 

what are your problems with the debt and NDR

tell us the debt history please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Basically account with Very owe them £1400 asked for a repayment plan as i could only afford to pay £50 per month,

 

2 Days later they pass it over to NDR money who have taken 400 of the amount i owe and they wont let me pay them less than £84 per month over 4 months then i go back to Very then to clear the other £1k

 

Problem is i had things on Buy Now pay later and all the intrest is being slapped on so in the end of it i will prob owe about 1.5k once i have payed NDR money off

 

NDR money will not budge and even wont change the day i pay them to that i dont incur late charges..

 

So any suggestions?

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right

 

all the late charges can be reclaimied with interest at THEIR RATE.

they are a 'penalty' and are unlawful.

 

pers i'd STOP comminicating with NDR

 

they are a DCA - they have NO LEGAL POWERS to dictate ANYTHING to you..

pay direct to the OC [shop direct] what you can WHEN you can by internet banking.

 

its YOUR MONEY, take control of of it

 

STOP letting them tell you how to control IT YOU TELL THEM...fullstop.

 

now whats this about £400 of the amount?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i'd also recommend you read sequenci's excellent blog in my sig

 

these ARE NOT priority debts,

if you are having debt issues, they should be on £1PCM!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the £400 is for the NDR payment plan and once the £400 has been paid i then go back to paying Very, I do not pay very anything i pay NDR, It all seems a bit of a mess tbh, But NDR money and Very are the same company, same address same statements.. I do not know the best way to go forward, I have to be careful with this account as it is in my Dads name and i just run it.

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have to be careful with this account as it is in my Dads name and i just run it.[/font]

 

What? This is not clear cut at all?

 

Are you saying that your Dad obtained this account for you? Or you are in charge of your fathers finances?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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My dad obtained the account in 2003 and about 4 years ago i used his account with him knowing, Hes knows everything about the account so i haven't used it without him knowing, And he knows the account is with NDR money, I just want to make sure i do everything right as i don't want to be having any trouble at his door, So where as i would normally just pay them x amount f what i can afford from my budget sheet i cannot add this debt to my budget sheet as it is not in my name but is actually my debt if that makes sense.

 

Any suggestions?

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No no sense at all! You used his account without him knowing, but he knows everything about the account, so you haven't used it without him knowing?

 

This is YOUR debt, regardless of who's name is on the account, so there is no reason why you can't add it to your I&E sheet?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No no i never said i used it without him knowing, i said i haven't used it without him knowing

 

Anyway i never knew i could add it to my sheet, I think i will just rethink what they are asking off me and just pay them what i can afford from my sheet, But i cannot send this to NDR can i as the sheet will have my name on it not my dads, as far as they are concerned the debt is my dads

 

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My dad obtained the account in 2003 and about 4 years ago i used his account with him knowing, Hes knows everything about the account so i haven't used it without him knowing, And he knows the account is with NDR money, I just want to make sure i do everything right as i don't want to be having any trouble at his door, So where as i would normally just pay them x amount f what i can afford from my budget sheet i cannot add this debt to my budget sheet as it is not in my name but is actually my debt if that makes sense.

 

Any suggestions?

 

YES, Stop paying NDR. They have no rights to tell you, what you can and cannot pay! IT'S THAT SIMPLE.

 

You have requested your Credit Agreements, have you recieved them yet??

 

If not, stop paying altogether until you see they have the correct paperwork.

 

If they ring you, refuse to answer security questions and tell them everything in writing.

 

NDR are big puppies, they bark alot and have no bite whatsoever. All charges on the account are reclaimable.

 

Jogs

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Right back with ya!

 

The I&E sheet you are doing is for your benefit, so you have basically used your dads account to buy something, fell into difficulties, and now they won't accept a reasonable offer from you but demand above & beyond what any sane person would feasibly pay per month.

 

Have they demanded you fill in one of their I&E forms? DON'T! They are as much use as indicators on a submarine.

If you wish to send them one, then get a kosher bona fide template from CAG or http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales

 

Unfortunately, the days of creditors demanding what they want their customers to pay has died a death, once you take back control then there is nothing they can do.

 

Fill out the I&E sheet, see what you realistically have left to pay with, then make them an offer, but keep it realistic as you will need to stick to it, and regardless of whether they accept or not, start making the payments, preferably to the OC.

 

You can tell NDR to go whistle Dixie, you will ONLY deal with the original creditor, start the complaints process with Very and exhaust it, it sounds very questionable as to why they are only collecting part of the alleged debt, Very did inform you of this didn't they?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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