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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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Northampton County Court Claim form received - help please! **Claim dismissed**


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Hi folks, I wonder if you could help me with this. I received the Northampton county court claim form yesterday. Its Arrow Global using Drydens as solicitors. I havent had any communication with them at all and think that my last payment on this loan was at longest - July 2005 but definitely not any later than September 2005. So it looks like very soon it may be statute barred.

 

Could you help me with what to do next - I assume I reply to the court asking for the full 28days and then request the info from the claimant, hoping that they either have none, or it drags out past the statute.

 

Should I ask that its transferred to my local county court?

 

Could somebody take me through it step by step and point me towards the appropriate templates please?

 

Many thanks,

 

AngryApe

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Thank you DonkeyB. The particulars read... The claimants claim is for the sum ____________ being monies due from the defendant to the claimant under a regulated agreement between the defendant and FV-1 inc

(No ______________________) and assigned t the claimant on ____________, notice of which has been provided to the defendant.

 

The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974

 

And the claimant claims the sum of __________________

 

I left any amounts out in case of DCAs reading the forum.

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Im not sure who FV1 are - I imagine they are a DCA who bought a debt off a bank i used to use. I have been moving about a bit so wouldnt have all the information. I have had various letters from various companys saying I owe different amounts but have ignored everything up till now. I have only taken notice as its a court claim. Would a default notice be from the court or a DCA?

 

It was assigned last November according to the POC - I dont have copies of anything to do with it im afraid.

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Thank you so much for your help today DonkeyB, I have read the links you posted and feel a bit more informed. I have acknowledged the court online and have amended and will be posting by recorded delivery, the CPR request in a moment. In their POC they refer to a regulated agreement between myself and FV-1, as they are a DCA surely no agreement would exist between us if I have had no contact with them ever?

 

Many thanks,

 

AngryApe.

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Spot on. The agreement would have been with a bank, if it in fact existed. Do you know what the supposed original debt was for? Credit card? Loan? They say regulated, so it would probably not be a bank account.

 

The PoC is all you can respond to – if there was no agreement with FV-1, then that is a defence. But a long way to go yet.

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Thanks DonkeyB, I think it was for a loan with the bank - I am assuming that as the debt has changed hands more than once, there is a greater chance that the original agreement may have been misplaced.

 

As I have now responded to the court and sent the CPR request, does that mean I should forget about it almost being stature barred?

 

Many thanks,

 

AngryApe

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  • 2 weeks later...

Hello again folks - could I use your knowledge again? I sent the CPR 31.14 request by recorded delivery Friday before last and have not received any post from the claimant since. Could I ask what my next move will be regarding 1. The claimant, 2. the court?

 

Thanks in anticipation,

 

AngryApe.

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1. Re claimant. Send an urgent reminder by recorded post, stating that failure to comply with your valid CPR request will leave you no alternative but to ask the court to strike out the claim (unlikely, but make the threat anyway). Did you ask specifically for the NoA and the enforceable credit agreement in your CPR request?

 

2. If you acknowledged on line, you have a further 14 days to enter a defence. What date do you have to have your defence in by?

 

Did you ever receive an NoA from them in the first place? Did you receive a letter before action?

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Thanks for your reply DonkeyB, what is an NoA? I used the template form used a lot on this forum - what I asked in the letter was...

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of the documents mentioned in your Particulars of Claim:

 

1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2 the assignment

3 the default notice

4 the termination notice

5 any other documents you intend to rely on in court

Is there anything else I should have asked for?

I acknowledged 10th June 2011 on the online system.

I had received many letters threatening court action but was advised on the DCA forum on here to ignore them.

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NoA = notice of assignment, as mentioned in your CPR request and their claim!

 

It’s important that you understand what you’re asking for. That’s why I posted the links to the explanatory threads.

 

Simply repeating templates without adapting them to your personal situation is dangerous, but you have been lucky in this instance.

 

Send the reminder, recorded, enclosing a copy of the original letter. Demand a response by return, or a statement to the effect that they do not have the documents in their possession.

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Sorry DonkeyB I did read your links but couldnt remember all of the terminology a week later. I shall put the letter together as you suggested and send it today via recorded delivery.

 

Many thanks for your time,

 

AngryApe

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Hi again. It is now the 23rd and I still have not received any post from the claimant after sending an urgent reminder and the original CPR 31.14 by recorded delivery. Could you please advise what my next move would be? Should I contact the court and inform them they have failed to pass details of the POC or do I launch my defence stating they have failed to contact me?

 

Many thanks,

 

AngryApe

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There’s nothing much else you can do except enter a defence based on having little or no understanding of the claim as it is so vague, with a request that the claim be struck out due to non-compliance with CPR. Alternatively, you can spend £40/£75 to apply to have the case struck out because the PoC is utter bow-larks.

 

When does your defence have to be in by? What was the date on the claim form? Add 32 days to the issue date.

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Thanks again DonkeyB for your continued help.

 

Issue date: 06/06/11

 

So I believe the last possible date for defence is 4pm 11/07/11 (according the the court helpdesk line).

 

Is there any special way of wording my defence - court "prose" or anything?

 

Many thanks,

 

AngryApe

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Let’s wait a little while to see if there is any response to CPR. Jon’s advice is spot on, but you could ask for a similar order at the AQ stage without any cost – however, the judge may not grant your order, and that’s a bit of a lottery.

 

Why not phone Drydens and ask where the CPR is? Record the call if you can, but do not enter into any conversation about the alleged debt or the case itself. Any such contact can be difficult to make, but it should not frighten you, and you are showing to the court you are trying to resolve the issue.

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