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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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I need to leave my partner but have no idea if i would get benefits?


dearyme70
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Hi

 

I am looking for some advice (and hope I am in the right place!!)

 

My long term partner and I need to separate but our situation is very complicated and I really don't know where to start!

 

We own a house together (2 bed terrace) with basically no equity. He however owns several other properties only in his name.

 

We have 3 children together aged 1, 9 and 14.

 

There is no advantage in me waiting for our house to sell because I would not be able to get another mortgage and there would be no money left once the mortgage and other fees are paid.

 

I work but only earn 10k pa so currently am entitled to working tax credits and child tax credits but nothing else.

 

Can anybody tell me if I were to leave and find somewhere for me and the kids to rent if I would be entitled to any support?

 

I really don't want to move too far away because of the children and there aren't any council houses around here so think I would have to rent privately and I'm not sure if DSS would even consider this?

 

Any help would be great I really don't know which way to turn but cannot keep living like this it's not doing any of us any good.

 

Many thanks

 

Dearyme

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hi Dearyme,

sorry you find youself in this position

but before anyone can give some advice to what you may or not be entitled to

 

just a few questions need to be answered :)

do you intend to carry on working?

how many hours do you work each week?

 

would your partner move out of the house you own jointly?

 

do you have an interest in any of the other properties ?

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Hi Mikey

 

I currently work between 35-40 hours a week and hope to be able to continue working but my partner and I work together so it may not be easy!!!

 

I am going to have to leave our home as my partner refuses to do so (he thinks we can carry on as we are!)

 

I don't have my name on any of his other properties (just the one we live in with no equity)

 

Thanks for your time

 

dearyme

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One other question that could be relevant. The way I read the post, the children would live with you after you separated. Is this the case?

 

Edit - Sorry, ignore this - I didn't read your OP closely enough. My bad.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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Ok, I thought maybe if you had to cease work then as a lone parent you could have claimed Income Support, and not having an interest in the other properites meant you should have been ok to claim,

 

You can claim WTC, If you claim this now you would need to call HMRC and tell them the change, if you dont claim http://www.hmrc.gov.uk/taxcredits/payments-entitlement/entitlement/question-how-much.htm

 

you may be able to get HB based on your Income

http://local.direct.gov.uk/LDGRedirect/index.jsp?LGSL=69&LGIL=0&ServiceName=Check+your+eligibility+for+Housing+Benefit+with+your+local+council

 

I dont think they will think you have made your self homeless if you split up and he will not leave the property,

but because you dont live in it the house it will be classed as capital because you have an interest in it, so they will look at this,

he may have to move out in the end anyway......

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Thanks Mikey

 

Do you mean they would insist on our joint property being sold?

 

Would I be able to move out before it is sold?

 

Another option I have considered is asking to have my name taken off of the property. Not normally a good move I know but as there is no capital in it I wondered if it would be the quickest solution?

 

I just need to get out as soon as possible!

 

Thanks again

 

Dearyme

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If you have an interest in the property you live in now and you had to leave work then IS would look at disregarding any interest you have in the property for a while usually 26 weeks and after that time you would technically be expected to have taken steps to selling your share of the home either by selling your half to your ex-partner of by selling/putting the house on the market.

You may not be eligible for help with Social housing due to you interest in your current home so it would be private rent and will be up to the local authority how they treat your current home.

If you continue to work (over 16 hours per week) then you would not have any entitlement to IS and it would be your tax credit award and wages with possible help towards your rent.

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If you were to claim an Income Based Benefit in the future for example I.S then as you have a jointly owned property then after a disregard of 26 weeks they would expect your ex partner to take steps to sell it, as it is classed as capital,

but there is nil value so they may disregard it further

but thats up to a Decision Maker....

 

You would not have to sell your property before you moved out, he is refusing to go so you have to but

speak to Shelter they may be able to advise you as well http://www.shelter.org.uk/

 

and check out the HB calculator as well

 

Before you do anything I think it may be wise to seek the advice of a solictor about the property.

They can and will give you the best advice.

 

IS is £67.50 per week, you would get CTC for your children and CHB..

You would get full HB if entitled,

Edited by MIKEY DABODEE
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you can give it up, but seek advice first

you would have to see a solicitor to do this anyway

 

if you do give up your interest in the property keep all the paperwork for it, to include mortgage statements showing the negative equity at time of transfer.

you may need them in the future :)

Edited by MIKEY DABODEE
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This going back quite a few years ago now, like 10 yrs, but my sis in law did leave the marital home & privately rent & claim housing benefit. Not sure if the fact her & her ex had a house affected that housing benefit, but she claimed IS, so that may have made a difference.

She went on to get a council flat, her ex still lived in the marital home, he eventually bought her out, but not before she got the council flat! No idea how it all came about, but was certainly possible back then.

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Dearyme, I would take legal advice asap wrt the house and whether to take your name off it. Don't forget the new benefit cap coming in includes HB though, by the time you have paid private rent and with 3 children, if you aren't working, that will almost certainly affect you. Private rents are so high :/

 

Might be worth getting your name on the housing waiting list too. Our waiting list is around 8 years but might be worth being on it. Of course secure tenancies are ending too so even if you get social housing you may have to move and downsize each time a bedroom becomes free so you will lose any feeling of choice and autonomy, any feeling of security and the end result is you will have nowhere for the grandchildren to come and stay so that luxury will only be for non-social housing tenants and home owners so you might chose to give social housing a miss anyway.

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