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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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Arrow Global/ Bryan Carter - MBNA Debt


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Hi Please can someone help me.

 

I had an old debt with mbna for approx £10k.

 

 

I couldn't pay at the time so ended up with a default in 2006,

 

 

in 2007 I arranged repayment of £70PCM and have been paying until last month,

 

 

last week I wrote to Byan Carter saying they should write off the debt because I am unable to pay due to illness

 

 

bryan carter wrote back I still owe £5000 and

they can only reduce £500 but ill have to pay another £4500 to settle and

they are not charging me any interest.

 

 

My question is

 

 

can I send CCA request even though Ive been paying for 7 years.

 

 

also can I still negotiate a reduced settlement amount with bryan?

 

much appreciated

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Yes, you can still send a CCA request.

 

Do you know if there was any PPI or charges applied to the account ?

 

You will need to let the current owner of the debt know that you will be unable to maintain the payment schedule.

 

Do you own your own property ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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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CCA them.

 

I had a similar situation with an MBNA which went to Arrow Global.

 

 

Don't know when you originally took out the card, I took mine out in 1999.

 

 

They could't find the agreement so stuck two fingers up despite their pleading letter that I was 'morally obliged to pay them'.

 

Suspect this situation applies to a fair number of years with them so give it a go.

 

David

Edited by cashins
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Have you been paying carter all this time? Have you even checked to see if he can legally enforce the debt?

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 guys thanks for replying,

 

 

Citizen B,

 

 

Im not sure if I had PPi on this but

 

 

I wrote to Bryan carter saying I am unable to pay at the moment

 

 

but can they default me again as the original default by the OC has been over 7 years and its not on my credit file.

 

also yes I do own my property.

 

 

thanks

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Hi cashins,

 

 

I will CCA them right away

 

 

this card was taken out back in 1998

 

 

so hopefully they wont have the agreement,

 

 

but I heard they can just make a reconstructed agreement..

 

 

. also they might have an argument saying why have I been paying bryan carter for the past 7 years.

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If the loan was taken out that long ago, they would need the original to enforce any court judgement.

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 guys thanks for replying,

 

 

Citizen B, Im not sure if I had PPi on this but I wrote to Bryan carter saying I am unable to pay at the moment but can they default me again as the original default by the OC has been over 7 years and its not on my credit file.

also yes I do own my property.

 

 

thanks

 

 

No, they cannot add another default now the original has dropped off.

 

The reason I ask about property ownership is because this could be the reason they will not simply write off the balance :(

 

It might be in your interest to send a Subject Access Request to the original lender in order to establish if there are any penalty / default charges or PPI that you might be able to reclaim.

 

The SAR will cost you £10.00 and needs to go to the Original Creditor.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

I have also attached a link to a draft letter advising BC that you will no longer be able to maintain the current payment arrangement, asking them to write it off because of your circumstances. You will need to amend the letter slightly to consider the whole of your circumstances. I would suggest you send this to Arrow Global (Head/Registered office) and just send a copy to Bryan Carter.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387360-Ask-your-Creditor-to-Write-off-your-Debt

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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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  • 2 weeks later...

Hi guys thanks for all your help.

 

 

I have received a reply from Arrow Global following the CCA request to Bryan Carter, they have also returned the £1 postal order I sent. The letter states..

 

 

Arrow / Mbna

 

 

Thank you for your letter dated xx may 2014. We acknowledge your request for documentation pursuant to the Consumer Credit Act 1974.

 

 

We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course.

 

 

We confirm that all collection activity will be suspended pending provision of the documents.

 

 

We return the payment of £1.00.

 

 

Is that good news? does that mean I don't have to pay anything for the mean time?

 

 

thanks

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Standard crap from them. They dont have the right paperwork, you called their bluff, and theyve ran away with their tail tucked firmly between their legs. They might come back at a later date, but theyll likely sell it on.

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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  • 4 months later...

HI guys,

 

I really need some help with this,

 

 

Just when I thought I won things just got worse

 

 

I just received some stuff from Arrow Global,

 

 

they somehow made up an artificial agreement

 

 

stuck my name and address on and sent it to me,

 

 

it has no signature no date or nothing else

 

 

only the name and address plus the standard terms and conditions,

 

 

they want me to start paying up again.

 

 

I have attached the copy to view,

 

 

please could someone advise what I should do next?

thanks

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Responding to S.O.S.

 

I think you will require others to comment on this as well.. but my thoughts are..

 

1: They are a bit out of date as they are quoting the OFT who have been out of the picture for a while.

2: They are correct in that they can provide a reconstituted document for the sole purpose of the s78 request - however, if they want to issue a claim and obtain a judgment, they will require the original.

3: If that is the document they are relying on, then they might have a few problems inasmuch as there is absolutely NO way it would have contained the prescribed terms. As you can see it is one of the mailshot application forms that would need to be folded and returned. They cannot claim the Prescribed terms were on the reverse as that would have contained their address details.

4: MBNA have a reputation for "guessing" what document you "would" have signed as prior to around 2009, they didn't retain copies of their paperwork. See Harrison v Link.

 

So if you can say with absolute certainty, that you didn't sign anything like the document they have provided, you might stand a chance.

 

Do you know the date you entered into the original agreement with them ?

 

Wait while you receive other comments before taking any action.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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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HI guys,

 

 

I really need some help with this, Just when I thought I won things just got worse I just received some stuff from Arrow Global, they somehow made up an artificial agreement stuck my name and address on and sent it to me, it has no signature no date or nothing else only the name and address plus the standard terms and conditions, they want me to start paying up again. I have attached the copy to view, please could someone advise what I should do next?

thanks

 

 

Reconstituted agreements do Not need to have signatures, but Must have the following constituent parts to be compliant:

1. Your name & address at the inception of the account.

2. The creditors name and address at inception (if an account has been "taken over" by another provider the Ts& Cs of the original account.

3. The Terms & Conditions as at the inception of the account.

4.The Ts & Cs at closure.

5. Any material changes/amendments made to the Ts & Cs during the life of the agreement and any other document mentioned in the body of the Ts & Cs.

 

 

If one point fails the recon fails entirely.

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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Hi CB thanks for your reply, here is the other side of the priority request form am not sure if this is the full terms

 

Did we really return application forms that contained information that an ID thief would salivate over.. in the post, with a block of text on the OUTSIDE that identified what the inside would contain ?? I kind of think not.

 

It looks to me as though they have copied those financial conditions onto the bottom of the document.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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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Hi guys just looking back at the cca request which I sent to arrow's solicitors Bryan carter back in may,

 

 

I might have sent the wrong CCA request because I only received the reconstituted priority request form

but no statements or assignment which I didn't mention on the CCA request below.

 

 

[text of template removed - dx]

 

 

Can I make another CCA request mentioning Statements of Account, copy of deed assignment ect?

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You wont get to see the deed. For the rest, you would have to SAR the OC, as arrow and carter will have very little info on you.

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 renegade thanks for your reply,

 

 

I already got the SAR from MBNA,

 

 

its quite a big pack first with a few computer screenshots of name and details call logs

and all payment information and charges but

 

 

there is no application form or agreement nor does it say anything about default notices.

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You wont get that with a sar. Thats what the CCA is for. Default notices though should be part of the SAR pack. Though a lot of companies love to leave a lot of important stuff out, hoping you wont notice.

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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