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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
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    • 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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Speed Credit/Toothfairy/MCO/CIM who knows?? Harassment


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This is to do with harassment from Speed Credit, and their f****** rude staff, I don't have any products with them, but I would dearly love for them to leave me alone. As such, I have no idea if this is the right place for this post, so I apologise in advance if this is the case.

 

On Thursday 8th March, after incessant text messages, emails and phone calls ('SECURIDY CHECK! SECURIDY CHECK'), I pressed '1' and asked the gentleman on the other end of the phone that they remove my details from thier database as I was not in any way interested in their products. I was told it would be 3 days for the calls & text messages to stop. I expressed my displeasure at this, and said that shouldn't be the case (I can see nowhere on the emails or on their website about HOW to unsubscribe, let alone that it takes 3 days, and that I did not wish to be bothered by them again.

 

On Friday morning, at just after 7am, I had a text message, another at around 12, followed by a phone call. I again said I wished for them to stop contacting me, and was told this time it would take 4 days rot his to happen, and 'just ignore the calls and text messages'. I again said no, do it now (surely they are able to access my 'file' (how they have a file I have no idea as I have never applied for anything with them), and delete my number - she hung up.

 

So I sent a polite email stating that they stop contacting me or I shall charge £25 for each phone call & text message I have to deal with (has worked in the past).

 

So from Friday - Monday I had no less than 25 phone calls & text messages.

 

I asked yesterday who their compliance officer was (their own website states they have one) and was given the name Simon Fitton, and was told he has no direct contact details, but to call 084 3381 3381 and ask for him.

 

So naturally, I did (I wanted his direct contact details, I am fully aware I need to have back up copies of everything, so would just email him my correspondence and ask that he sort it out.

 

Of course, Simon Fitton was 'unavailable', but I could email [email protected]. I pointed out that I already had don on 6 previous occasions, and had no reply. I was told by Simon Hilton that 'ALL our emails are replied to'. I was also told to use the website to email - I pointed out that I had done on 3 previous occasions and had no reply (repeat Simon Hilton). This Simon HIlton also refused to call me what I had asked him to, and insisted on calling me by my first name as 'he had given me his full name'. He also refused to let me speak to a manager.

 

So, I have been in touch with Barnet Trading Standards (as per their recorded telephone message), OFCOM, have registered on the TPS and am contacting the police to report them for harassment.

 

However, there is still a matter of the £625 they have racked up in administration fees since I emailed them and asked that they stop contacting me. Alas, they do not realise I am, if nothing else, persistant, and will happily pay the £25 to take them to small claims for it.

 

Does anyone have an email address of someone, or which snail mail address I should go for? I have managed to get a few through searching the various company numbers and credit license numbers. Or should I just send letters to all of them? As far as emailing goes, I have so far had little joy.

 

Am I being dumb in thinking that 25 text messages and phone calls, disrupting my weekend away when I CLEARLY requested they refrain from contacting me is harassment?!

 

So, Speedcredit? Toothfairy? CIM Technologies? HCO Capital (who as far as I can see, do not exist, but theor phone message tells me Speed Credit is a trading name of)? Or MCO Capital (who they say they are a trading name of on their website? The bank details are the same for Toothfairy & Speed Credit, however I am having difficulty making the link with the addresses...

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Hi

Herein lies the problem.

Officially, MCO Capital and CIM Tech are separate companies and licenced with the OFT separately. In fact, CIM are the holding company of toothfairy but they also have their own CC Licence with the OFT under the name Web Processing (or something like that)

Confused yet?

Registered addy for MCO

SECOND FLOOR

11 PILGRIM STREET

LONDON

UNITED KINGDOM

EC4V 6RN

 

Registerd addy for CIM

15 LYNDHURST TERRACE

LONDON

UNITED KINGDOM

NW3 5QA

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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This is the thing, I don't know If I should go for the toothfairy route or the mco route. Or both! Being as their staff are so clueless, they are no help!!! And speed credit have a po box in warwickshire! They deliberately make it difficult to contact them. Very clever!

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And here is another thing. You used Speedcredit (I assume) and Toothfairy are asking for the money. Speedcredit is not on Toothfairies OR CIMs licence so who do you actually owe as they cannot be the one.

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 don't owe anybody anything, I have no product with either of them!

 

However, on looking at the emails I got from Speed Credit, the link to 'complete my application' (I never made an application) goes to the Toothfairy website...!!

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I've also just found that emailing either of the addresses on the toothfairy website results in an automated message saying to contact them through their website. How do these shysters manage to keep on trading?!

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How do these shysters manage to keep on trading?!

 

They may not be. They both have requirements imposed by the OFT and this little escapade of theirs is another nail in their coffin

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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Fingers crossef!! It'll help at least I hope :/

 

I dread to imagine how they treat actual customers if they treat me - someone they appear to be trying to flog something to in this manner! Mind you, I really shouldn't be surprised!

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  • 4 weeks later...

I had to post this - received today. 9 times what I owe?? How can they get away with threats like this (I've already reported them to the FOS as I paid them back so 9x jack s*it is what they can have)

 

If there are insufficient funds in the account the payment might fail and all charges will IMMEDIATELY become due, ALL back dated interest, penalty fees will be charged.

Recovery Agents will be sent to all addresses we have on file for you in order to obtain payment. Should this also prove unsuccessful we will be l iaising with solicitors who will obtain a County Court Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court Bailiffs to seize goods at 9 times the value of what you owe.

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Send the letter from the library about harassment and the one about recovery agents calling at the door. Then file a full complaint with the OFT/FOS and send them copies of the complaint. Youll probably find them falling over backwards apologizing when they realize you wont be treated as a fool.

 

From the wording of their information, it looks like they are directly breaching OFT guidelines too in regards to threats/harassment and unwarranted charges.

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

Have another look at that letter (I assume it is one) just to allay my worries.

 

Should this also prove unsuccessful we will be l iaising with solicitors who will obtain a county courtlink3.gif Judgement against you. Once this is secured we will return with a Warrant of Execution from the County Court and certified Court bailiffslink3.gif to seizelink3.gif goods at 9 times the value of what you owe.

 

Is that word for word?

If so you could report them to the OFT and send a copy

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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For then to say 'will' is very unusual because they cannot say for sure that they 'will' win in court.

 

I'm going to highlight the post for the site team to ponder on.

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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Hi silverfox - it was an email and it was cut and pasted so yep its verbatim! :):-x

 

If i was to PM you an email address, would you mind forwarding it on so that the site team have a copy. You can delete your personal details

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 :) I thought it unusual too - I fail to see how they 'will' get a ccj aginast me when I can provide evidence to the contrary. When I spoke my bank (to ensure they couldn't take any money), they said they were probably trying to frighten me - which probably would have worked if I wasn't aware of this site :) Thanks guys xx

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They appear to have little or no regard for the OFT debt collection guidance rules that's for sure.

 

The email is very confrontational and intimidatory. What do they hope to gain by sending round the heavies to all addresses they have for you ??

 

They have no legal right to do that anyway.

 

I am assuming you have ensured that NO monies can be taken from your bank account!

 

I do so hope these are one of the companies that the OFT are investigating. I see you have contacted the FOS, but have you also put in a complaint to the OFT, copying them the email ??

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  • 2 weeks later...

I have just read your notes on harrassment I'm sorry I con't comment on your problem but I was delighted to find a harrassment letter to be sent to the harrasser. Santander made so many calls to my home by autophone and u had to press 1 to acknowledge your were that person I could'nt as it was my husband there were looking for! But with 15 to 20 calls per day I was forced to leave my home as I could'nt take anymore. I didn't know about harrassment rules until I found your site that it contravenes rules & regulations. They also stole money from my charity account forcing me into hardship as I then had to find the money for the charity, to pay for the loan my husband said by phone and wrote that he'd take full responsibility for as I wasn't well.. I wish I'd found this wonderful site before all the **** happened. THANK U SO MUCH It's given me a whole new fight to send them.

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