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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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Claimform from 'Blake Lapthorn' /Arrow Global old Mint debt **STAYED**


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Hi All,

 

It's been a long time since i've posted here, as I've heard very little from various DCAs after they failed to produce CCAs for various accounts.

 

In May, i'm looking forward to defaults getting removed from my credit report and finally starting with a clean slate... or so I thought.

 

At the end of last week I received a letter from Blake Lapthorn Solicitors, on behalf of Arrow Global Guernsey (so they use foul tactics to squeeze money from cheaply-purchased debts... then store the cash off shore? Classy). They claim I owe over £4k.

 

Before this letter arrived, I had never heard of Arrow Global.

 

 

The letter gives me seven days to stick over £4k in the post or they'll issue court proceedings.

 

 

After receiving the letter, I set up an Equifax report, to find that Arrow Global entered a default for this account at an old address in 2008.

As far as I can tell, it's an old Mint credit card that has been in dispute since 2008

(dodgy cca and non-response to full sar, the ICO and FOS were involved).

 

 

However, this account defaulted back in 2006,

meaning Arrow Global have incorrectly added the default (and effectively given me 8 years worth of default in the process).

 

I'm usually pretty good at seeing DCAs and their Solicitors off,

however I can't find anything in CAG re: Blake Lapthorn.

 

 

I have read a few threads that show Arrow sneaking CCJs through with help from Bryan Carter,

so I'm trying to establish if I should write a prove it letter to them (ready to go but not posted just yet),

or to file under 'ignore' like so many of these letters before.

 

 

The manipulation of my credit report has realy got my back up, mind.:mad2:

 

I don't have a copy of the original default (there might be one in the garage if I search extensively),

however the default was definitely May 2006 as I went into a DMP at that time.

The only creditor that dragged out the default was MBNA.

 

So, CAG, what should I do next?

 

Thanks in advance for your help...

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Update:

just dug the old SAR out from the garage.

 

 

As noted, I complained to the FOS and ICO as it was incomplete (the FOS actually gave them a slap on the wrist,

which means they must have done something wrong,

 

 

i've found the FOS to be useless in most circumstances).

 

 

they sent me statements and copies of a few of (but not all) letters I had sent to them.

 

 

The SAR was disputed as no CCA (there was aa cheeky letter saying it will arrive 'under separate cover', but it never did),

and no default notice were included,

so I would need to track down a copy of the original default somehow.

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  • 5 months later...

Hi all,

 

I've just received a claim form from Bryan Carter for an old mint card. THe form has actually arrived at my father's house, so I won't be reading it until a little later.

 

THe claim amount is somewhere in the region of £4100.

 

A few weeks ago, I found that Arrow Global had actually added n incorrect default to my credit file - the card to which this pertains should have fallen from my credit file two months ago, so I mad a complaint.

 

I've received a standard 'we're looking into it' letter from arrow, and now a court claim! Cheeky b*st*rds.

 

The account has been in dispute for years due to lack of CCA and, later on a lack of SAR.

 

I've never had to deal with a CCJ... what do I need to do?

 

kind regards

 

Danson79

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Hi Danson

 

When did you last make a payment or acknowledge the debt?

 

Once you get the paperwork, I would advise you acknowledge the claim online and send CCA request to Original lender and CPR request to BC.

 

Hi, thanks for the quick response

 

I have the document in my hands now. Slight error, the claim is from Arrow and Blake lapthorn.

 

Cca has been outstanding for years, and as noted above the account shouldn't even be on my credit file anymore - this is their response!

 

I was paying via cccs until some time in 2007, when they didn't have a valid cca.

 

The account has been bounced around for years, despite fos and ico complaints and no forthcoming documents.

 

I wish to defend, I've had trouble with debt for years and this was supposed to be the month I could finally start with a clean slate :(

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Hi,

 

Finally got a chance to sit down and concentrate on the paperwork.

 

First of all, my complaint response re: arrow global, despite being full of inaccuracies, does state:

"In the meantime, your account will remain on hold".

The letter is dated 31st August, 4 days before the issue of the bulk county claim form.

 

Next up, the claim form itself:

 

POC:

 

The claimants claim is for the sum of 4109.10 being monies due etc etc...

 

The claimant claims the sum of 4109.10 together with the costs of the claim (court fee £85 & Solicitor's costs £80). Then it has the date of 31st August (when the account was supposedly on hold?

 

The document was sent from Blake Lapthorn on behalf of Arrow Global.

 

I am about to acknowledge my defence via moneyclaim, if anyone can help me out I would appreciate it as I'm feeling out of my depth with this.

 

D79

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Thanks Stella, I had a Google (as I was unsure what it meant tbh) but I left the box unchecked.

 

Acknowledgement of service complete.

 

What next? Sar to Mint or Arrow? CCA to Mint or Arrow? And how do I even begin the CPR letter to Blake Lapthorn?

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Thanks stella,

 

I would really like the original default as I don't have a copy. I joined a DMP in 2006, all of my creditors defaulted their accounts with me then.

 

If it turns out the Mint didn't default until 2008, is that contestable in itself, considering I was on the DMP? Are there timelines regarding when an account should be defaulted? I had to cut my card up and send it back etc, so it would be odd if the account didn't default until two years after the DMP.

 

Where does Arrow's letter from the 31st August that clearly states 'the account is on hold' come into it? Surely that's strange practice, to tell me it's on hold and then issue a claim?

 

Also, Arrow's letter claims RBS have 'no record' of any CCA and SAR requests. I have records of all of my letters to and from them, and I even had a complaint go through via ICO due to lack of complete SAR and the STILL didn't send me the rest of the required info.

 

I'll get all of the letters off in the morning. If they don't respond am I able to request more time from the court to build my defence?

 

Sorry about all of the questions, I have a lot of experience with the CCA request side but I've avoided court claims so far.

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As the only reason for a SAR would be the default notice (and that comes under the CPR) i won't send a SAR to mint for now.

 

Should I write to Arrow Global at this stage? Even if it's just to point out the account is supposed to be on hold due to a complaint?

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CPR rules you would request under 61 (1-2-3) no charge on that request, others I am sure will comment also, so wait and see, Default notices it has been said in a lot of cases copies are not held just a marker stating one sent, DJs accept that on many occasions it seems, but if you had one keep it safe, as if incorrect they you have ammo, as I did in court.

:mad2::-x:jaw::sad:
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I don't have the default doc, however I entered a dmp in 2006 - all of my accounts should have defaulted around that time. I remember it well, only MBNA wouldn't 'play ball' at the time, so they were the last to default (hence them being the last to fall from my credit report at the end of this month)

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Due to printer woes, i'll have to wait until tomorrow to print and send the sar - does the usual time scale apply and do I get an extension to make mt defence if the documents are late or incomplete?

 

Thanks for the help so far, much appreciated.

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I don't want to get ahead of myself, but can arrow get into any kind of trouble for 'holding' my account (as per their letter) then issuing court proceedings anyway? Should I be making a formal complaint (although technically i'm inthe middle of one with them anyway?)

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You can use it as part of your defence yes, as they are well known for doing that.

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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