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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Capital finance one help


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Hi i stupidly got a pay day loan with capital finance one sometime ago and could not afford to pay it back after a couple of roll-overs so i cancelled my card which stopped them taking the money

 

Now the number is used to get a code to enter on the contract i have now sold and just received a call from the person telling me a Gemma from capital finance one had called wanting to speak to me and when he asked what it as for she went and told him that it was for a loan etc can they discuss that with him?

 

Also she then went on to tell him that they are going to report me to the fraud department who will take it to the police as i was a fraudster by selling the sim card to him even though the sim was mine. in my opinion that is a very serious allegation

 

I am now at my wits end as i am now very frightened of having the police come after me for fraud etc have i commited fraud by selling my sim i am so worried now and have they broken the data protection act by talking to him about it any help and advice is greatly appreciated

 

many thanks

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Most definately broken the data protection act by discussing with a third party.

 

I personally would have thought that if the SIM was yours then it was yours to sell to who you want but I don't know very much about it.

 

Im sure someone who does will be along soon.

 

DG

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I have no legal training my knowledge comes from my personal life experiences

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Hi mightyroyals

 

They must be having a laugh. You can do what you want with your own property. They are just pssed of cause they wanted to contact you by mobile.

 

They have your adress and prob e-mail so they will have to threaten in writing.

 

They are good for agreeing repayment plans though.

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Thanks for the replies so far

 

Should i report them for the breach of data protection.

 

@Robjam i know she was getting peed coz he said when he phoned me the woman from capital finance one was getting quite stroppy with him after he said he bought the sim off me she told him to hang on then paused and came back with im going to pass this on to the fraud department and the police will be in contact with you and then she hung up when he told her he was not interested in speaking to the police as he said what you said i can sell my sim if i like as it is there property not capital finance one's and refused to give his name.

 

I am wondering if she did not believe him and thought he was with me or something so they tried the threats if only he had recorded it

 

I have emailed them offering to pay in instalments and with a complaint which i will also mail to them recorded mail on Monday

 

Has anyone else got any advice on this please thanks in advance again guys

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  • 3 years later...

Anyone know much about CFO RESOLVE i keep getting emails from them saying

Introducing CFO Resolve!

Get your account out of default and up to £200 in your account today!

 

In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product.

By taking advantage of this offer we will:

1) Remove all fines and interest currently on your account.

We take your current outstanding balance, including all late interest charges and reduce it to the original that you initially borrowed!

2) Offer you more money.

We have an available £ that we can transfer to your account today!

3) Set your due date for you next payday.

We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too.

4) Get your account out of default with CRA’s

We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier!

 

This is effectively a new loan & an opportunity to borrow from us again in the future!

SimplyCLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible!

 

Kind Regards,

 

CFO TEAM

 

Anyone had one of these laughable attempts to get there bank details

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Get that to the OFT immediately. It is in serious violation of OFT guidance.

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 will clean you or anyone out of everything, all they are looking for are your new bank/debit card details. Shocking behaviour, low of the low this lot.

 

Yeah i guessed that there would be no way i would put any details into it, I just thought i would post it on here in case others get it and think it is a good idea to type there details in

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Just got the one from them:

 

Get your account out of default and up to £200 in your account today!

 

Dear ***** *********

 

In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product.

By taking advantage of this offer we will:

1) Remove all fines and interest currently on your account.

We take your current outstanding balance, including all late interest charges £835.50 and reduce it to the original £315.00 that you initially borrowed!

2) Offer you more money.

We have an available £90.00 that we can transfer to your account today!

3) Set your due date for you next payday.

We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too.

4) Get your account out of default with CRA’s

We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier!

This is effectively a new loan & an opportunity to borrow from us again in the future!

Simply CLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible!

 

Kind Regards,

 

CFO TEAM

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mmm they must be on the [problem] to get card details, Lasek22uk one of the more knowledgeable members renegadeimp said we need to report these emails to the oft but im waiting to see what they say on it and where to send it too would you report yours too when they get back to us on here, Im guessing the more of us that send in a complaint about it the better.

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I like how they say theyll remove all fines. Umm... what fines?

 

Like i said before, get it to the OFT and write a covering letter.

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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I have also received this and text message. This company are the lowest of the low. Please help with covering letter and will also send to OFT. They have taken from me what i borrowed and more and still persist to chase me for more money. They make peoples lifes hell!!!!!

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Also interesting that they do not make any ref to payments they have already received by just claiming against a card. I am shocked by this tactic. How this company are allowed to keep trading is beyond me!!

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Afternoon Mightyroyals, i take it from your comments regarding me reading the thread yesterday and taking a interest with regards to CFO, that you have a problem with that???

Now with regarding you questions, I wouldn't know how life is at Snakes Lane thanks as one lives in Birmingham and believe it or not i'm **** who works at CFO thanks, so without knowing the facts please leave your vile assessment of me to yourself.

 

I've had plenty of run in's with CFO and MT Collect myself - i dare say plenty more than yourself, i don't post on here due to being well known to CFO and due to legal action being taken by myself towards CFO, please feel free to PM me if you would like to know more, but due to the nature of the case and CFO being complete low lives - i'm not able to until the legal action is complete, once that is complete - i'll post my story here.

 

I hope this has now cleared up your thoughts

 

PS Good luck against CFO - Unlike me CFO are ****, don't give up - if we all fight together - we'll beat them

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