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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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Pay Day Loans - damage to your future credit rating


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PDLs are apparently advising that the repayment of a PDL within the contractual period will help your credit rating. This appears to be inaccurate.

 

Main stream lenders are viewing the use of a PDL or short term loan as a negative. That at some point you have , even temporarily, had a financial hiccup.

 

Have you taken out a Pay Day Loan - repaid it within the contractual period and now find that you have been denied mainstream lending at preferential rates, or has your mortgage application failed because in the past 6 years you have needed to find short term borrowing.. fast !

 

Please post a summary of your situation below.

 

Most of the articles I have found, warning of this problem, are from 2012

Edited by citizenB
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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Wonga: Payday loans 'do wonders' for your credit rating... really?

 

Controversial payday loan firm Wonga has written to customers implying taking out one of its loans can "do wonders" for your credit rating.

 

The reality is often the opposite, as many lenders view the fact you've used a payday or short term loan as a negative, as it can be a sign you're in financial difficulty.

 

 

 

While the Wonga statement doesn't specifically say having a payday loan will help your credit rating, it says if you pay it off, and by implication that you therefore have one, you will benefit.

 

But it fails to mention, or warn customers, that even having a payday loan can make you look unattractive to other lenders.

 

http://www.moneysavingexpert.com/news/loans/2012/11/wonga-payday-loans-do-wonders-for-your-credit-rating

Edited by citizenB

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I am sure I have seen other articles that confirms, even if you repay a PDL on time, it will still have a detrimental affect on your credit rating/scoring as main stream lenders will see it as a sign that the borrower was under pressure at some time.

 

The following was taken from a guardian article

 

 

Payday loans can put credit rating at risk

However, those who use payday loans to avoid unauthorised overdraft fees could have other problems. The Financial Ombudsman Service told The Observer that while it has had few complaints about the loans, it has seen evidence mortgage lenders discriminate against payday loan borrowers.

 

"The number of complaints we receive about payday loans is relatively low but we have had a number of inquiries from consumers who have been told by their lender that previous payday loans they have taken out – and paid off on time – have and will continue to have a detrimental impact on their credit rating," said a spokesman for the service.

 

Credit reference agency Experian lists payday loans separately rather than including them in a general overview of borrowing history. James Jones, head of consumer affairs for the agency, said that while some lenders do not differentiate between payday loans and other forms of credit, "some high street lenders might see the fact that you've resorted to payday credit as a sign that your finances are under pressure … if a particular lender's experience is that customers who take out payday loans are more likely to miss their repayments, this will be reflected in their credit scoring".

 

 

 

 

 

 

 

 

 

http://www.guardian.co.uk/money/2012...-credit-rating

Edited by citizenB

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Another article from 2012

 

 

Mortgage provider GE Money has said that it will not process applications from those who have taken out a payday loan.

 

Borrowers who have used payday loan companies are in danger of permanently blighting their credit rating. Mortgage provider GE Money this week announced that it would not process home loan applications from consumers who had taken out short-term high-interest loan in the past three months or more than twice in the past year.

 

 

 

http://uk.finance.yahoo.com/news/payday-loans-could-cost-mortgage-141535900.html

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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The following question was asked on another thread -

 

if someone subsequently discovers their credit rating trashed, because they were advised having a PDL could enhance their credit rating - what could they do about it ?

 

What about mis-selling on the basis that they seek to improve credit rating but they infact damage credit ratings due to being payday lenders....is there a guide or advice anywhere for that?

 

 

That had occurred to me...but....first they would need someone to take them to court for a test case presumably...

 

e.g. credit rating score of 1 out of 5...and just because you are working they give you a loan. So much for them doing proper credit checks! Martin Lewis should be the one to know if they can be done for mis-selling they would all be guilty and that would be the end of them...

 

 

I had an e-mail sometime telling me that having one from a company beginning in V I can't remember now but saying that if I took it that it would improve my credit rating which I thought was great for a small price.....surely if that's the basis in which someone took a loan out and it isn't the case, especially given that the lender has the resource and knowledge of the industry to know this isn't the case then they've mis-sold the loan??

 

I might be being a bit too simple here......

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3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I know of somebody who went for a review of their mortgage with their bank of 20yrs,

was offered a better rate,

accepted it,

 

the mortgage advisor went through the formalities and

 

told my friend that the preferential rate wasn't being offered,

 

the reason?

 

Payday loan,

 

she was told this verbally by the adviser.

 

uckily the relationship she had with the bank and the savvy of the adviser who was able to override the computer,

allowed her to get the better deal.

 

Just thought I'd add my tuppence x

Edited by citizenB

scotgal 

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Thanks scotgal, that is the kind of thing we want to know about. I am pleased that your friend didn't suffer adversely. However, it looks like it could have ended in tears !

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Too right citizen, all too often banking staff hide behind 'computer says no'. So I guess the info that PDL can improve your credit rating is a pile of coddles. My friend had an almost impeccable credit record and the mortgage adviser also told her that credit card companies can also cut your credit limit if they see you're tinkering with PDL x

scotgal 

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I applied for a phone contract and was turned down. I then used wonga a few times, only borrowing small amounts. Then hey presto I got my contract. I'm no fan of wonga, but for me it seemed to help!

 

When was that?

 

You see it depends on the lender but most higher risk lenders i.e mortgage companies would differentiate between PDL's and other loans and would negatively class it as a sign of desperation. Especially having several agreements with then in a short space of time.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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When was that?

 

You see it depends on the lender but most higher risk lenders i.e mortgage companies would differentiate between PDL's and other loans and would negatively class it as a sign of desperation. Especially having several agreements with then in a short space of time.

 

About 18 months ago

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About 18 months ago

 

This was around the time that CRAs started marking Pay Day Lenders differently on credit files so yes it would have just looked like you had a loan and you paid it off and may have been a positive factor in your case.

 

Those more recent probably won't have been so lucky as it seems to have an adverse impact.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I think in order to prove mis-selling here we need to find ad's or other promotions via e-mail letter etc to show that they suggest that PDL's help your credit file, after the CRA's put their new policies in place.

 

Does anyone have anything any youtubes of ad's etc?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Don't think banks are covered under the FOI act.

 

However, look here http://www.moneymarketing.co.uk/mortgages/analysis-big-lenders-dont-exclude-payday-loans/1054552-article.

 

We just need to find the evidence of the PDL stating help improve credit rating. Is there any way of accessing this past information on an archive or something via google or whatever?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Domain name:

paydayloanguys.co.uk

 

Registrant:

Pay Day Loan Guys

 

Registrant type:

Non-UK Corporation

 

Registrant's address:

30-11 Leonard Street

London

England

EC2A 4QS

United Kingdom

 

Registrar:

GoDaddy.com, LLP. [Tag = GODADDY]

URL: http://www.godaddy.com

 

Relevant dates:

Registered on: 27-Sep-2012

Expiry date: 27-Sep-2017

Last updated: 16-Oct-2012

 

Registration status:

Registered until expiry date.

 

Name servers:

ns108.eukdns.com

ns109.eukdns.com

 

WHOIS lookup made at 22:26:42 27-Jul-2013

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

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Theres no Company registration number shown, nor is there an ICO reference or credit licence. I would get a complaint in to the OFT and ICO, see what they say.

 

However, i would hold off for now as they seem to have an incomplete website. Could possibly be an up and coming PDL that havent got their licence yet.

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

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Agree, want to find something somewhere of Wonga making suggestions they can improve credit....not having much luck yet. Where are old TV ad's stored lol?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Most of their adverst got pulled for misleading people. Even the puppet ones did, so now theyve gone with CGI puppets instead.

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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Wonga.com - We are fair and transparent, we don't want any surprises - http://www.tellyads.com/show_movie.php?filename=TA15091

 

Can't find what I want though!

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Most of their adverst got pulled for misleading people. Even the puppet ones did, so now theyve gone with CGI puppets instead.

 

So, if they were pulled because they misled, how can they be found to use for a complaint???

 

This would explain why I can't find them anywhere then.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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I'm sure I've got some emails from cash genie which mention credit files being improved by repaying on time.....

 

Will check my trash file for you x

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Thanks,

 

See here for the hidden position of Wonga http://www.openwonga.com/faqs/page/2

 

Here is PayDayUK saying they may improve your credit https://www.paydayuk.co.uk/your-credit-rating

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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