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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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123 Debt Solutions


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Hi. I've had nothing but good advice from this group in the past, and could really do with some again please.

 

My wife phoned 123 Debt Solutions, and arranged a DMP with them. When I found out, I looked online and found many recommendations for the free payplan.com, and she has now decided to arrange the DMP with them instead.

 

Problem is, she gave 123 DS her debit card number, and now that the pack has arrived from them in the post, I notice that in the T&Cs, it says:-

 

3.10 By providing your card details for your 1st payment, You have entered into an agreement and You will be liable for 1st payment into the Plan. Should You not wish to enter into the Plan and require a refund, please return Your unsigned documents to Us, accompanied by a cancellation letter. Please see section 5.3 of these terms.

 

5.3 If You wish to cancel the agrement, You must do so within seven days of making a payment in order to receive a refund. If We have already disbursed funds to the creditors on behalf of the client, a refund will not be issued.

 

 

Note that she has not signed anything, and never authorised any payment to be taken, she simply provided over the phone information she was asked for, but now I'm concerned that they will take the money from her account without permission.

 

Can anybody assist with a suitable cancellation letter. Many many thanks.

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Send them back and make sure you send them rec or reg. at once!

Check that they have not taken anything out and if poss. get her to cancel the card and ask for a new card no. asap. if you can do this before anyone trys to take money then it will cut out the long process of having to get the refund :)

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I think you should also write to your bank confirming that this company no longer has permission to take money from account. If necessary, you are going to have to ask for a new card.

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Thanks spots1. Will keep updating with anything that may be of use to others.

 

Recieved paperwork from Payplan today, but unfortunately they listed our tax credits wrong, forgot to list council tax as an outgoing, and forgot to list my wife's disability living allowance, so have to call them on Monday.

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  • 2 months later...

i have had the same problem with this company, unlawfully taking money from my account for a service i have not recieved as i cancelled it, £82.00 lighter now, been on to the financial ombudsman, as these people were supposed to help you out of debt not put you in it!! go to payplan they are run by the goverment and 100% goes to your creditors,

 

steer clear of these 123 debt solutions are a joke!!!

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  • 1 month later...
steer clear of these 123 debt solutions are a joke!!!

 

Too right they are. We just received their welcome pack and reading very small print it seems they would offer their services (which consists of them sending a few letters out) to us for the bargain price of £25 PER MONTH,! That would double the debt we are in :mad2:

 

Needless to say they can shove their service where the sun doesn't shine.

 

BE VARY CAREFULof this so called "solution", nowhere on their website does it mention their charges, at no time during the initial phone call was any charge mentioned. They shouldn't be allowed to prey on the needy in the way that they do.

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i have had the same problem with this company, unlawfully taking money from my account for a service i have not recieved as i cancelled it, £82.00 lighter now, been on to the financial ombudsman, as these people were supposed to help you out of debt not put you in it!! go to payplan they are run by the goverment and 100% goes to your creditors,

 

steer clear of these 123 debt solutions are a joke!!!

 

Payplan are not run by the Government (if they were they wouldn't be anything like as good as they are). Payplan are a private sector company who provide free DMP's funded via lenders.

Edited by Nick Pearson
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Payplan are not run by the Government (if they were they wouldn't be anything like as good as they are). Payplan are a private sector company who provide free DMP's funded via lenders.

 

Hi

 

Are there any Goverment run ones Nick?

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  • 2 weeks later...

There is also the option of doingt it yourself and arranging your own DMP.

 

This is what I have done and I feel a lot more in control of the situation than using a 3rd party and I got a great deal of satisfaction out of negotiating with creditors myself. I have certainly become a lot more assertive with them than I was at the start :)

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Tbh, i'd have been very wary from the off, of a company called "123 debt solutions". It sounds like something a 5 year old could have come up with.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 5 weeks later...

With regard to this company, I have had nothing but good experiences. They are seriously helping me to get out of a terrible situation.

However, I'm not sure that I understand the points you are making about their terms and conditions...surely you can liken this contract to any other kind of contract. For example, would you enter into an agreement with a mobile phone company and then refuse to pay them and then on top of that refuse to follow their cancellation procedure that you have agreed to by signing the documentation?

As with all contracts, their is a cooling off period. If it is a distance sale, the period is 14 days. This should be plenty of time to potentially change your mind, and if not, more fool you!

 

I'd also like to ask why, if you were not completely sure about it, that you would give your card details to a company for processing on a certain date. I know I wouldnt!

 

I think people need to be more aware of what they are actually agreeing to...dont sign agreements if you dont agree with them!!

 

I would also like to mention the gripe that you appear to have with 123 debt solutions charging a fee. They are a business, and they are providing you with a service, so what is the problem with them charging a fee?? They deal with all my creditors by phone and post, and their staff are in 7 days a week, which is great for me because I work full time and would find it difficult to contact them otherwise. The person I spoke to initially did not hide anything from me, and I do not have a problem with fees being taken to have this weight taken off my shoulders.

 

Thanks to 123 debt solutions, I will only be in debt for another year or so, all being well. I wouldnt have been able to do this on my own and as another plus, they have also got the interest and charges frozen on every one of my debts.

 

I also did some research on payplan. They are not really free. As mentioned previously, they are funded by the lenders...so the lenders will push you to go with payplan if they can. That way, you are esentially paying your interest and charges every month, and I'd be surprised if you could actually get out of debt in a reasonable amount of time.

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NIckykr seems very defensive of 123, i wonder if i rang what the chances are of a NIcky working there??? very high.

 

The point is Nicky. people are in debt, cant afford to pay their creditors so for 123 to sort they pay them a stupid amount of money. therefore reducing the amount they could pay, and taking longer to pay.

 

EXAMPLE:

 

user owes 24000, and pays Payplan £100 per month, this will mean they will pay off in 20yrs

user pays 123 £100pm maybe £85 will get paid to creditors meaning it will take over 23yrs to pay off.

 

DO the sums..... it makes sense. dont pay for your DMP!!!

even your creditors will tell you to ditch a fee paying dmp for a free one.

  • Haha 1
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I love how they say they can guarantee freezing charges and interest. THat just isnt the case.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

One that always makes me chuckle with some of the fee chargers is when you read that they 'work' harder than the free providers at getting the interest and charges frozen, a strange and rather paradoxical view really when you think about it, especially the charges bit.

 

Still not seen anything around from them about working harder at stopping any up front fees and the keeping of the first couple of months or so payments and that though.

 

You would crease yourself with laughing if you thought about it too much really, ah well, thats marketing for ya I suppose.

Edited by Wintry
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They cant work harder. ALl the free ones and the paid ones can do is ask the creditor to stop interest and charges based on the financial situation of the debtor. If they say no, then tough luck.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They cant work harder. ALl the free ones and the paid ones can do is ask the creditor to stop interest and charges based on the financial situation of the debtor. If they say no, then tough luck.

 

Hi

 

Well yes, I see your point.

 

Maybe some of them are more persistent, and because the creditors get less from their payment arrangements when you take the fees into account the creditors think well, lets freeze the interest and charges but not with the free providers or maybe its just marketing and sales rubbish:)

 

Anyway enough of that for tonight Im off to bed to watch my Columbo DVDs again (fantastic entertainment from the sadly missed brilliant Peter Falk that just gets better & better with time)

Edited by Wintry
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Yep. Agree with you there. Have fun with columbo. I havent seen any of those movies for a long time.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They cant work harder. ALl the free ones and the paid ones can do is ask the creditor to stop interest and charges based on the financial situation of the debtor. If they say no, then tough luck.

 

Actually, they do a lot more work than that in relality. Or at least, some of them do.

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