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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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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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 
      • 81 replies
    • 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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Lowell and EGG


Barney1011
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Hi,

 

1st time post on here after reading from afar,

 

i had a debt sold from Egg to Lowell which i have been paying back at reduced payment every month,

i never knew balance after reading on here sent a cca request.

 

They sent two letters stating they have requested the request from their client and are awaiting a response.

 

They have sent a further letter now stating:

Dear.......

 

Your credit agreement

 

We refer to your recent request for a copy of the original credit agreement for this account.

 

After liaising with Egg in an effort to obtain this document we have been advised that it is no longer available

due to the length of time since the account was opened with you.

 

We are closing your account

 

At this time we have closed our file and will not make any further contact with you concerning payment

against this account unless the copy of the agreement is received at some point in the future from Egg.

 

This was from an account taken out in 2004,

 

i need to know is what happens now,

 

i have a DD set up with them for £50 per month,

 

do i now cancel this?

 

The default is no longer on my credit profile as dropped off after the 6yr timescale,

 

can they default me again for the same loan?

 

My profile is clean now and i want to apply for a mortgage,

 

i dont want to trash my credit profile by stopping the DD,

 

not really sure what to do,

 

any advice would be welcome!!

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Hi welcome..

 

As they cannot find the original agreement, you can STOP any payments you have set up, and YES cancel that despicable DD.

Never EVER pay a debt collector via DD.

 

No they cannot default you again, if they do then you can issue a claim for damages.

And if they mark your file and you fsail to get a Morgage as a result of it, the claim for damages only goes up...

 

What credit file agencey are you using? Equifax and Experian are the most accurate and up to date..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks Bazooka Boo,

 

I have checked all three and its not on any of them,

 

Egg did duplicate the default in 2012 but i complained to experian who got them to remove the duplicate default.

 

if i now cancel the DD now what happens next,

will they try for a ccj on the account?

 

The reason i queried is due to them overstating the balance,

 

i thought the balance was 3000 and have paid more than that over the ladt 5 years,

 

they then sent me a balance of ovet 5k outstanding

 

i asked for statements and cca and this us their response,

 

do i now just file the letter away and stop paying until they can prove the amount they allege i owe them?

 

Sorry new to all this but feel they have held all the aces until now

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Yes your very first task is to cancel that dreaded DD... you can do it now via online banking if you use it?

 

If they have your bank card details or credit card details, even if you have made a payment to them using them just once, then you MUST inform the bank to cancel your card/s and issue you with a new one, as you believe it/they have become compromised.

This will stop the DCA from emptying your account using the card details.

 

If you are happy that these defaults have auto dropped off your file because they have outlived their six year shelf life, then you really have nothing to worry about, they cannot mark your files with a default without being financially punished in your favour and then ordered to remove it.

 

Have they been sending you a ''statement of account'' every six months?

 

If the answer is NO, then they have been happily mugging you off and using you as a cash cow, and whatever money you have been paying has been going straight into their 'profit pocket'!

 

Keep a copy of that letter YES.

You cancel the DD, they will throw their toys out the pram and threaten you with all and sundry, but in reality, they cannot do a single thing without the original paperwork, they are just hoping you don't get wise to their little con trick.

 

YOU hold ALL of the aces, you ALWAYS have done, they just didn't expect you to find out. :thumb:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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oh dear how long have they been fleecing you?

 

 

how did they spoof you into doing it

 

 

phone or you fell for the silly threat-o-grams??

 

 

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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god 5yrs

 

 

that money went straight to their profit pocket

to fund the harassment of 1000's of others

on debts they p'haps don't ever owe.

 

 

anyway well done...

 

 

one more cash cow removed from their milking palour thanks to CAG

 

 

all be it 5yrs too late

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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If paying via Direct Debit get that 5 Years of payments back.

Claim through your bank that an error has occurred and you require all payments to that company back.

 

The bank will then claim all the DD payments back for you, No need to go into loads of details,

Plain and simple, an error occurred and should not have been taken.

 

George

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BG, I'd forgotten that one good idea

 

 

the DD guarantee might well work here

 

 

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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Thanks Bazooka you have been a great help

 

George.

.how would i go about claiming the DD back?

 

 

Would i just need to write to my bank outlining the issue,

and how i believe not to have owed the money i have been paying?

 

Dx100uk..

.i find your attitude and contempt for my post astounding!!

 

I came on here looking for guidance as thousands of others do who are in a similar position?

 

For someone who purports them self to be a crusader on consumer rights and their debt issues

you have really let yourself down here.

..is it not cold in your ivory tower this evening??!!

 

As my dear old mom used to say,

if you cant say anything nice, best not to say anything at all

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think you might be reading my posts wrong...

anyway..

 

 

this is all about DD

 

 

go get your moneyback

 

 

http://www.bacs.co.uk/bacs/businesses/directdebit/collecting/pages/customersrights.aspx

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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Let us know how you get on with the reclaim too, the banks can be tiresome when it comes to this, often

spouting a lot of nonsense in the hope you don't know your rights...

Well done too.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 7 months later...

Hi,

 

Wonder if someone could give me some advice. I had an egg account which i defaulted on in 2006,

debt bought by lowell whom i was paying monthly until CAG showed me the error of my ways.

 

 

I sent a letter to Lowell asking for copies of original agreements and balance statements which they could not provide.

 

Lowell sent me a letter in July 2014 stating they would close my account and not bother me in future unless they provided an original copy of my signed agreement.

 

Upon checking my credit profile today Lowell have added an account on there with a date of 2005,

this was the original defaulted account from Egg that dropped of my profile in 2012 after 6 years was completed.

 

My question now is what do i do next,

 

 

this is the second time they have done this since the default expired,

surely i cant keep being penalised on my credit report by them indefinitely just because they cant provide the information i requested.

 

Any advice would be welcome, Lowell seem to think they are a law unto themselves here

 

Thanks

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for history I've merged your old and new threads

 

all you need to do

is provide proof of the original EGG default from your CRA file or wherever

 

then send that to lowells

 

give them 14 days to remove the account lock stock and barrel

else you'll be reporting them to the ICO/FOS/FCA et all.

 

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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They really are desperate aren't they?

 

I'd be making a formal complaint about them to the above regardless....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for this,

 

 

i emailed them today and they have said since the account had been receiving payments in the last 12 months

it is now classed as a live account in dispute until they find the original agreement and therefore they wont be removing it.

 

I have contacted experian today as i have protect my id who confirmed to me they are not processing accurate and true data

and therefore i should contact the ICO to make a formal complaint,

 

 

can you please tell me how i would go about this, is there anything specific i need to be putting in it

 

Thanks in advance

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ICO website or ring them

 

 

complaining about exactly what you ave outlined here

and what Experian have said too

 

 

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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