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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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Txt LoanS & MYJAR PayDay Loan


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Hello everyone ive had no end of problems with a company called MYJAR they registered a debt and default on my call credit report 3 months ago for a debt that was 3 years old and made out as if id only just started missing payments etc. I complained to the FOS who agreed fully and told them to update the default to the correct date. I checked last month and it the whole account had been removed again great so i thought. This month the debt is showing again but default has been removed and shows now that i'm 1 month late on repayments. I have been complaining to Mr Gumbley but had a reply stating he has left the company and now a lady called Birgit Noormagi is handling the account she is a quality & training manager at MYJAR and its been going back and for for a few days now as i wanted them to prove it was my debt etc. The lady has replied stating i took out a £300 loan ion the 19th June 2012 and they never received repayment so with letter fees and intrest the balance now is £554 . I have asked for the credit agreement for the loan she then sent me one from 2011 for when i took out a £100 loan for 14 days. I replied stating its incorrect as you must have a new credit agreement for every new loan unless its a roll over loan as advised by citizens advice she then sent me a email with what she called a credit agreement but its listed as a

Borrower agreement on drawdown of new loan ? she said it links onto the credit agreement i was first issued months before for a previous loan

 

I don't understand the (Borrower agreement on drawdown of new loan ) and questioned her on it and she replied saying its 100% correct but as a gesture of goodwill she will now remove all the charges and intrest from the account and all i have to pay is the £300 that i borrowed.

 

I find that offer very fair and will accept it but she is still refusing to fully remove the account off my credit report she states it must reflect the true account dealings and would show as settled. If thats the case why not show all the other loans i had with them as fully up to date and paid on time ? but i really don't want a payday loan on my credit file So can anyone tell me if there is anyway of getting this all removed from my credit report i.e if the Credit agreement is incorrect they could not be allowed to put it on my file ? ive seen them remove other peoples so Any help would be very grateful

 

Thanks

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What they have offered is pretty good going IMO.

 

If you don't want loan sharks appearing on your credit file, then don't use them, easier said than done I know.

 

There is no way this will be removed off your credit file, as long as they are reporting accurately on your file, then there is nothing you can do.

 

The FOS has already demanded they correct the date that in itself is an achievement! So you should be patting yourself on the back for that alone...

 

Any type of credit will always be shown on your CRF's nothing you can do, UK PLC follows what the USA does unfortunately.

 

They have a shelf life of six (6) years from when they were placed on there, once the six year birthday comes up, they will auto drop off your file, never to return.

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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What they have offered is pretty good going IMO.

 

If you don't want loan sharks appearing on your credit file, then don't use them, easier said than done I know.

 

There is no way this will be removed off your credit file, as long as they are reporting accurately on your file, then there is nothing you can do.

 

The FOS has already demanded they correct the date that in itself is an achievement! So you should be patting yourself on the back for that alone...

 

Any type of credit will always be shown on your CRF's nothing you can do, UK PLC follows what the USA does unfortunately.

 

They have a shelf life of six (6) years from when they were placed on there, once the six year birthday comes up, they will auto drop off your file, never to return.

 

Thanks For your advice yea im very happy with the outcome just would have preferred it all be removed :( Do you know if it is correct on the Agreement front ?

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TBH without seeing it I wouldn't be able to tell, but, most, if not all agreements, post 2007 are now deemed to be CCA compliant and enforceable, especially if you took this loan out online, then a tick box will be sufficient to enforce.

 

I think you've done fantastic in getting all those charges refunded, something to be proud of.

 

Have you come to an arrangement with them to repay this now?

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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Well it's entirely up to you, if you pay it off now, then it will show as settled on your CRF, but the default marker will remain until its six anniversary.

 

Or you could drag it out and pay it over a series of months?

 

TBH though, I'd much rather get rid completely, kick em into touch and move on, you can always add a notice of correction against the entry if you wish?

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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Yea the Default Marker was fully removed 2 months ago it now shows this on the credit file

 

STATUS OVERDUE

 

FN

Account number **************1442

Account type Short Term Loan

Account start date 19/06/2012

Repayment frequency S

Number of overdue payments 1

Is account rolled over No

Has credit extension No

Were payment terms changed No

Value of next payment due £ 554

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All i'm saying is thats the email address i used [email protected] and the response i received back is below

 

Dear Mr Lewis,

 

Thank you for your email.

 

I am answering on behalf of Mr Gumbley who has by now departed from the company. If you have further queries, please be so kind as to send an email to [email protected] so it could be reviewed as a matter of priority or send an email to me directly.

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  • 2 weeks later...

Hi everyone - figured I would post in this thread rather than starting a new one, since my situation is very similar.

 

I have been mostly debt free for the past 3 years, having settled with all my paydayloans and others back in 2012. However I recently did a month trial of checkmyfile just to see how things had improved and found a couple of entries I wasn't expecting.

 

One was for MyJar and as the original poster here it stems from a Txtloan which was never settled back at that time - the reason it wasn't settled was because they never would send written confirmation of the agreement to settle. So we never paid.

 

Original Loan was £300 and it had spiralled to about £692 which is the amount showing on the credit file now to MyJar. Have E-mailed back and forth with them explaining the situation and they have come up with an offer of £351 in one payment to settle. This seems decent, but I have written back to them asking if they will take just the original £300, which I would pay today if they get back to me.

 

Would be interested in other's thoughts as to if this is a fair deal, given that its 3 years gone and half way to it dropping off altogether? Would love to clear it as its the only dodgy entry on my file now.

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Pay the original amount owed, plus the original contracted interest for the loan period, minus what you have already paid. If they ask for more, tell them to justify it.

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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Who are you dealing with at MYJAR ? They took off all the intrest on my loan and i paid the £300 back via bank transfer and lucky enough for me they removed it all from my credit file stright away even though they stated it would just be updated as settled so fingers crossed for you and keep at them

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What did they state in the email. Any f&f needs to be specifically worded

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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Thank you for contacting us.

 

As we wish to come to a quick resolution and close the matter, we are willing to accept your settlement figure of £300, if this is paid in one amount, by bank transfer, and within 7 days, using these details:

 

 

 

Bank - Barclays Bank Plc

Account in the name of - MYJAR Limited

Account number - 63803716

Sort code - 20 69 34

Reference number - 652383 (please quote this reference on the payment, as it is the only way we can link the bank transfer payment to your account)

Amount - £300

 

Once this settlement is received and processed, the default on your credit file would reflect a settled and satisfied account.

 

 

 

Bank transfers take longer to be processed than card payments, so please make sure to make the payments on the scheduled date or before. If the payment is not made as agreed, this arrangement will fail and the standard interest and charges will apply.

 

If you are not able to make the payment on time, it is important that you contact us in advance.

 

 

 

Kind regards,

Derek Mäekask

Customer Services Representative

Phone: 020 3006 2000

Fax: 020 3004 0991

MYJAR

PO BOX 609

Salford

M5 0HD

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Thanks I am going to pay it tomorrow :)

 

Excellent, let us know how you get on, and if they honour their word!

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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  • 1 month later...

UPDATE :(

 

Morning everyone well just to update you on a new issue with MYJAR that occurred this week anyway as stated I paid off the account in full in July 2015 and unexpectedly the account was fully removed from my call credit report which MYJAR stated they wouldn't do so it was a bonus :) but then roll on to September 2015 and for some strange reason MYJAR decide to report this account to Equifax as being in default and owning them £554 and the account still showing as open.

 

So I complained to equifax and also sent MYJAR a complaint email again to the lady dealing with my last complaint and she stated how sorry she was etc and would contact Equifax to tell them of the mistake etc and get it removed.

 

So today I did another check on equifax and it now shows as settled but with yellow markers showing late dating back to January 2015-July 2015 So they have not removed the account at all. Equifax have also responded with MYJARS response and they just tell Equifax to remove the default and just update it as settled with payment being received in July 2015.

 

Surly they are not allowed to do this are they ? Can they add a account 2 months after its fully closed down and paid off from a debt 2-3 years old and only show it as starting in January 2015 ? Any help would be extremely grateful on what I can now do to get this mess sorted

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  • 10 months later...

Hello Guys sorry to bring up a old thread but I still have a ongoing issue with this company Myjar looking for further help if possible please as I don't know what to do next. After paying off the £300 as agreed it was fully removed from my callcredit report which was great.

 

3 months later and after the account was paid off and closed they decided to add this account to equifax as being in default and owing £554 :( after complaining etc they refused to remove the account and instead removed the default from my report and instead listed that i had started missing payments from Jan 2015 to Jul 2015 when it was paid off ????

 

The loan was from 2012 so still the information was being recorded wrong. It's now been another year and today I've been advised by equifax that it's not going to be removed until 2021 when it should be 2018 due to the way they have my account listed which is disgusting. I've again complained to Myjar who again have refused to remove the account and stated in one email they have to report the correct information legally and then once I asked for the correct information to be put in my credit report I get a response saying if he dose that it will affect my credit report even more than it is now and am I sure I want them to do that ?

 

In my opinion he has just contradicted him self as they know they are issuing incorrect information and are happy to leave it which I'm not. He also said he can add the default to the report again this is what's worrying me and where I need some legal advice please as I have it in black and white in a email from Myjar last July stating that they never issued me a default notice and I'm confused on how they can now add that to my report is that legally allowed or have they made a huge mistake by saying so ?

 

Any help would be very grateful thank you all

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