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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Liability Personal Gurantee ~ Screwfix Direct


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Hi Peter

 

I realise that this is quite an old post, but I have recently received the very same letter from screw fix solicitors with the same guarantee wording signed by me. Could you let me know how you got on with your defence as I am about to reply using the wording given in reply to your post.

 

Many thanks

 

Nick

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Hi,

 

I am new to the forum and discovered this site whilst looking for advice. I received a letter this morning from solicitors chasing an unpaid account which related to a company I was previously a Director of. They enclosed a copy of the credit application form which I had signed back in 2009 and stated that I was personally liable for the debt given the wording. the company has since gone into liquidation however I have resigned prior to this and resigned from the board also, albeit a month prior to the companies demise.

 

I have looked at similar posts within the forum and planned to respond as detailed below, but would appreciate any advice in this respect as I suspect this may not be the last letter I receive.

 

I am in receipt of your letter dated 27th April and refute your claim that I am personally liable for the unpaid invoice you refer to in your letter on the following grounds.

 

1. Misrepresentation - the document is headed 'Credit Account Application Form' and for it to be a Personal Guarantee is misrepresentation by creditor.

2. I did not sign the Application Form in a personal capacity but as a Director of xx Limited. It is further submitted that if this Application Form is found to be a guarantee it has an unreasonable indemnity clause within the meaning of the Unfair Contract Terms Act 1977 (”the 1977 Act”). The form that is the subject of this guarantee was between the Claimant and xx Ltd. My involvement as a guarantor was purely a personal matter between myself and xx Ltd.

3. My trade or profession is not that of guarantor and I did not provide this guarantee in return for a fee or commission. It is therefore submitted that I was ”dealing as a consumer” within the meaning of section 12 of the 1977 Act (R & B Customs Brokers Company Ltd v United Dominions Trust Ltd [1987] EWCA Civ 3).

4. As a result of the above case, the guarantee must be reasonable and it is submitted that the guarantee does not meet the reasonableness test of section 11 of the UCTA1977 Act and it is noted that by subsection (5) that it is for those claiming that a contract term or notice satisfies the requirement of reasonableness to show that it does.

5. It is my belief that the guarantee does not meet the reasonableness test for the following reasons.

a. I had no intention of entering into a personal guarantee

b. What is purporting to be a personal liability is incorporated in the body of a document which is clearly designed to impose liability on MARS (Construction) Limited and not myself personally.

c. It has been shown above that I am a consumer in this case. Under the Unfair Terms (Consumer Contract) Regulations 1999 (regulation 8) an unfair term is not binding on the consumer and therefore I cannot be held liable for the xx Limited debt.

d. Under regulation 5(1) of the UTCCR a contractual term that is not individually negotiated will be regarded as unfair if, contrary to the requirements of good faith, it causes a significant imbalance in the parties rights and obligations arising under the contract, to the detriment of the consumer. The Application Form was clearly pre-printed and was a standard form of the Claimant and therefore cannot have been individually negotiated. By trying to pass the liability of a third party to myself, without my knowledge, there has clearly been a imbalance in the parties rights and is to the detriment of myself financially.

 

Given the above I consider the matter closed and request that you withdraw your claim in writing by return.

 

Any advice you can give would be appreciated as I am worried what may be in store for the coming months.

 

Nick

Edited by Nick wheatley
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Hi Nick,

 

I have seen and heard of so many of this type of agreement / PG used not only by Screwfix and associated companies but many builders merchants and the like.

 

The wording IMHO is misleading, detrimental to the signee and should be subject to scrutiny by the OFT. I know personally of one 25 year old secretary that signed the form as an application for her employer in the capacity as an authorised person to do so on behalf of the company, who 6 months later left the company, for the company to liquidate 3 years later, and for these lowlifes to seek a claim in default (moved address) and ICO on her house for a debt incurred by her employer - some 27k worth inc charges.

 

These types of agreement need binning and I can only suggest that companies DO NOT sign with the suppliers that word as such a credit app form.

 

You seem well versed in the legal standing, it is certainly my understanding that the question of capacity should be litigated, and I wish you well in your own case, and please post any conclusion to this, as you certainly will help others.

 

All the best

 

N

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Hi N

 

Thanks for your reply. I agree with your thoughts, and I have learnt a very valuable lesson as my time as a director. Unfortunately, my understanding of the legal ramifications may be misleading as I have taken most of the wording of my letter from advice given within another post, credit I believe is owed to "toddle2u".

 

I am very concerned personally as I had signed a number of credit account applications in my role and believe this may be the start of many letters of this nature. To this end I am looking for any advice I can get with a view to defending my position.

 

Many thanks for your reply

 

Nick

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Hi Nick

I wish it was good news, but in my case it is not. They took me to court and a hearing date was set. I agreed to arbitration and they did as well. I have to say that the process was not a lot of use really. The arbitrator just told me how good a case Screwfix believed they had and confirmed that they would proceed to court if I did not settle. My arguments seemed to fall upon deaf ears and I very much got the impression that I should make a offer to settle, as Screwfix were saying that if it went to a hearing they would seek extra costs from me. In the end I made a offer and they settled and the cheque went off the next week.

I did use all the arguments that had been post on this site, but received a very long solicitors letter challenging each one.

Like I said, not good news really, but I did manage to settle for less than they were originally asking for, but I do sometimes wish I had gone for my hour in court really.

Regards

 

Peter

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Hi Chris

 

Sorry to hijack your post but I also find myself in a very similar situation. I received l letter yesterday from solicitors representing screwfix. I had signed a credit application form as a director of the business with the wording "I confirm that we have read and agree to the terms and conditions supplied to us by screwfix direct ltd. I the director, agree to guarantee performance of all the company's financial obligations to screwfix direct ltd and it's subsidiaries"

 

Like you, I also resigned from the company and the board prior to the company's demise.

 

Again, the letter made reference to a personal guarantee made by me which given the circumstances I believe is gross misrepresentation. I was planning to reply using the wording you have suggested, however speaking with another user who did the same, apparently just received a long letter in reply contesting each of the points.

 

I would very much like to hear of your progress as I suspect I may receive more letters from other suppliers.

 

Many thanks

 

Nick

Edited by Nick wheatley
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Hi Peter,

 

Thanks for your reply, having searched online, this appears to be a real issue, and I feel like a bit of a mug now not having read the small print, a lesson in life I may learn to my detriment. It feel very strongly that I have been mislead in this respect but without paying out for legal fees, I feel my only option may be to pay up. My only real concern is what others I may receive from here on in as I am aware I signed more than one application in my time on the board.

 

Thanks again for your time taken to reply, it helps somewhat knowing I'm not on my own!

 

Nick

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Hi guys

 

Sorry to hijack your post, but I have found myself in a very similar situation as of yesterday morning. I had signed a credit application form back in 2009, a copy of which I have attached for your information. I since resigned from the company and the board of directors before the company went into liquidation and now find myself being chased by solicitors for the outstanding account stating I had entered into a personal guarantee.

 

I did not believe at the time this is what I was doing and felt my liability only extended to my capacity as a company director, not as that of an individual.

 

Given the wording in the document and the fact that I left the company prior to its demise, do I have a leg to stand on?

 

I have been given 14 days to pay up or they have threatened legal proceedings!

 

I am a complete novice when it comes to legals and I would really appreciate any help you can give.

 

Yours in desperation,

 

Nick

 

Screwfix Personal Guarantee.jpg

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Screwfix Personal Guarantee.jpg

 

Hi Toddle2U

 

You make reference in your reply above "This does not contain all or the crucial arguments I was able to use as the forms you have signed are more stringent and clearly defined with regards to bring the PG to the attention of the person signing."

 

I have signed a similar Credit Account Application form whereby the heading was CONFIRMATION OF ACCEPTANCE. The wording beneath read "I confirm that we have read and agree to the terms and Conditions supplied to us by Screwfix Direct Ltd. I the director, agree to guarantee performance of all the company's financial obligations to Screwfix Direct Ltd and it's subsidiaries"

 

The company I worked for has since gone into liquidation and I am now being pursued for the unpaid balance despite having left the employ of the company and the board prior to its demise. Does my case have any potential for some of the crucial arguments you make reference to?

 

I have posted all over the forum yesterday and today, but to no avail. I have 14 days in which to pay the debt by which time I will be served with legal action.

 

I really would appreciate some help if you have the time.

 

Kind regards

 

Nick

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Hi Folks

 

I am new to the forum and unfortunately have joined out of desperation and panic!

 

I was previously a Director of a company wherby I signed a number of Credit Application forms to trade suppliers. I left the company and resigned from the Board in February this year and shortly afterwards the company went into liquidation, coincidently I might add.

 

I have now received a letter demanding payment on an unpaid account where the solicitors are inferring I have made a personal guarantee. The document I signed certainly does not imply this although the wording guarantee is included beneath the heading Confirmation of Acceptance.

 

I am a little unsure how to respond and any advice would be very much appreciated. The letter is dated 27th April 2012 and I have been told that if I do not pay in 14 days, they will issue legal action.

 

Can anyone assist??

 

I have attached the credit application for your reference.

 

Kind regards

 

Nick

 

Screwfix Personal Guarantee.jpg

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threads merged to the business forum

 

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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Not a problem my colleague has merged the threads, it helps

us keep up with events get the advice from the right source.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Nick

 

Just to let you know I have merged all of your other posts from various threads to this one place, i.e. your thread.

 

As has been said, please just stick to this one regarding your Screwfix Issue

 

Thanks

 

ims

 

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