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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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blemain/together mortgage - now on 3rd eviction notice - Friday 11th Dec


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I have been a lurker for some time now, but now need some advice.

 

I have received details of a possession hearing from Blemain Finance for a second mortgage and desperately need some help with it.

 

The form to complete from the local county court does not stipulate any reply timings

and we have trying to get as much imformation together as possible before completing it.

 

However, the hearing is early next week and we have spent the weekend getting all the information I can together.

My husband and I are self employed and because of one client going into receivership, another retiring and a third changing supplier.

I have not been able to make a payment to them since the end of May.

 

I have several broken agreements with them because of losing these clients.

I have paid them around £38,000 since starting the £46,000 loan in 2008

and only started having problems in 2012 when I ended the year just under one month in arrears,

 

 

By the end of 2013 we were around three and a half months in arrears

but had entered into an agreement with them where we were paying the monthly repayment plus £71,

 

 

however, I could only keep this up for six months and we are now around £4,100 in arrears,

 

 

I may be able to reduce this by £700 before the hearing but this depends on when we are paid.

 

We are currently rebuilding the business and have good prospects in the pipeline, but with this hanging over our heads it’s very difficult.

 

Are there any reasonable grounds on which I can request the order to be set aside,

or are the county judges obliged to grant anything over two months in arrears?

 

 

I am worried that we have a bad month and can’t make the payment on time and lose the property,

 

 

Although in arrears with our main mortgage we are tackling that and only have one year left on that, albeit it will take two years to clear.

 

There is about £550 difference between what they say I owe and what I have calculated and I guess this is various admin fees etc.

 

Any advice will be gratefully received.

 

Thanks,

 

Sara

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are your main provider aware BF are doing this

they wont like it one bit

 

I bet both mortgages are littered with PENALTY/Arrears charges

and various 'compulsory' insurance YOU CAN RECLAIM.

however doesn't help you immediate problem. dx

 

the regular BF haters should see this soon and help

 

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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Have you received a clear and understandable up to date statement,

 

one line of defence is you cannot defend against a sum that you have not had the chance to scrutinise /analise.

 

This may not be enough on its own, but may earn you an adjournment.

 

Have you any valid reasons to launch a counter claim, CCA unfair relationship 140 etc.

 

Do you know of any charges and have they been charging interest on the charges,

 

i dont know how long you have had the loan but look back as far as you can.

 

Sorry i can't be of more help.

 

Not sure about setting aside with out valid reasons.

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received a statement in their witness statement received about 10 days ago.

 

There are arrears fees and interest applied on them.

 

Had the loan for 6 years into a 15 year term.

 

The charges and interest contribute to the difference I have of £550.

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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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relevant guidance from the fca-

 

Proportionality

 

CONC 7.3.14

01/04/2014

FCA

 

(1) A firm must not take disproportionate action against a customer in arrears or default.

 

[Note: paragraphs 7.14 (box) of ILG and 3.7t of DCG]

(2) In accordance with (1) a firm must not, in particular, apply to court for an order for sale or submit a bankruptcy petition, without first having fully explored any more proportionate options.

 

[Note: paragraph 7.14 (box) of ILG]

 

 

CONC 7.3.15

01/04/2014

FCA

 

A firm should not make undue, excessive or otherwise unfair use of statutory demands (within the meaning of section 268 of the Insolvency Act 1986) when seeking to recover a debt from a customer.

 

[Note: paragraphs 7.10 of ILG and 3.7n of DCG]

 

Enforcement of debts

 

CONC 7.3.16

01/04/2014

FCA

 

A firm should not take steps to enforce a debt if it is aware that the customer is subject to a bankruptcy order (or in Scotland where sequestration is awarded in relation to the customer), a debt relief order or an individual voluntary arrangement (or, in Scotland, a protected trust deed or a Debt Arrangement Scheme).

 

[Note: paragraph 3.9h of DCG]

 

CONC 7.3.17

01/04/2014

FCA

 

A firm must not take steps to repossess a customer's home other than as a last resort, having explored all other possible options.

 

[Note: paragraphs 7.14 of ILG, 3.7t of DCG and 6.3 of SCLG]

 

CONC 7.3.18

01/04/2014

FCA

 

A firm must not threaten to commence court action, including an application for a charging order or (in Scotland) an inhibition or an order for sale, in order to pressurise a customer in default or arrears difficulties to pay more than they can reasonably afford.

 

[Note: paragraphs 7.14 of ILG and 3.7i (box) of DCG]

 

CONC 7.3.19

01/04/2014

FCA

 

Firms seeking to recover debts under regulated credit agreements secured by second or subsequent charges in England and Wales should have regard to the requirements of the relevant pre-action protocol (PAP) issued by the Civil Justice Council. The aims of the PAP are to ensure that a firm and a customer act fairly and reasonably with each other in resolving any matter concerning arrears, and to encourage more pre-action contact in an effort to seek agreement between the parties on alternatives to repossession

 

AND see here especiallyCONC 15.1.1401/04/2014

FCA

Where a firm considers taking action to repossess a customer's home, it should, where permitted, establish contact with the holder of any charges in priority to the firm's charge to minimise adverse impacts on the customer.

 

http://fshandbook.info/FS/html/handbook/CONC/15/1

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Hi there, the lender cannot include arrears fees in the arrears amount they are claiming and if that is what they are saying on the claim form then the figure they are pleading is wrong. What date is your hearing? we should be able to get a defence statement done over the next day or so - could you deliver it to the court by Friday?

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Thank you both for your ideas.

 

The hearing is next Monday and I can deliver it to the local court office before then, though time is running out quickly.

 

The charges are described on the statement as "Monthly Charge - Arrears" at £48 each. There are six of these since the loan was taken out and the interest is added to this figure which gives us the total figure from which the arrears are calculated.

 

However, these are quite small in relation to the total arrears. Would the court accept it as a defence or laugh it off?

 

Is it too late to file the defence online under the MCOL system?

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Is it too late to file the defence online under the MCOL system?

 

As the hearing is next week it's best to hand deliver the defence to the court.

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Thank you for that ray of hope Ell-enn, I will deliver it by hand once the defence is completed.

 

The difference I have between my calculations for arrears and theirs is the fact they have been charging arrears fees and interest on top of that, and the extra interest on the balance due to the missed payments.

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Can you let us know what you are putting in your defence please, just so we can check you have included everything that's necessary. It should be concise and to the point - have a look at how to set out a statement on page 13 of the guide here : http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession. You can also download the budget sheet from the second post in the guide thread.

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Hi Ell-en, my husband rang Blemain collections this morning to see if they would agree to the monthly payment plus £100 towards arrears until they are cleared.

 

He explained that I had had several angina attacks and was currently undergoing tests for diabetes - just got back from blood test for this. This would have cleared the arrears by October 2017, whereas the previous arrangement they agreed would finish in April 2021.

 

We also have a very sick 12 month old puppy that we believe is from a puppy farm and needs constant visits to the vet - we didn't mention this.

 

They said based on our history and broken arrangements they couldn't do anything and it would be up to the judge to decide on Monday and that they would be applying for the full arrears to be cleared within 28 or 56 days.

 

They do read out the monthly arrears charges after every call to them - does this protect them?

 

We have had a very rough three years and just want to sort it out.

 

Our only defence is there arrears charges and the interest on them - would the court accept this or is it inevitable we will lose our home? Without the mortgages we have/had around £300,000 in equity.

 

Thank you for any advice.

Edited by Sara55
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Would you like me to draft a defence statement for you ?

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OK, can you answer the following questions:

 

Is the mortgage in joint names?

Do you have any children living at home?

Do you have any documentary evidence of your medical condition (letter with hospital appointment for tests etc)

Have you completed the budget sheet yet?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Thank you Ell-en

 

Both mortgages are in my name only.

We do not have children

I will have letters from the hospital specialists which will confirm I have angina including angioplasty operations twice to see if my heart required stents. No proof of diabetes as I only have had blood tests which are handed in when the tests are taken so the hospital knows what to check for.

I will finish off the budget sheet this evening but have all the figures ready,

Edited by Sara55
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Excellent - would you mind emailing the budget sheet to me when you have completed it? I'd just like to make sure there's nothing the other side can pick holes in (if you know what I mean) my email is [email protected] (there is no space between the c and o - the site just shows it like that). Put a message on here to say when you've sent it so I can look out for it.

 

I can then complete the statement tomorrow morning and you can take it to the court. :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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Of course I will, should have it around 7pm - it that ok, or would you prefer earlier?

 

It is based on the figures I gave Blemain in June when they agreed £25 a month, but are they shown this info.

 

What has always been difficult for them to understand is being self employed and on a tight budget, you cannot say exactly when you will be paid and I am sure their representative will focus on the number of times the arrangements have been broken. However, at times it was just a question of advising them I would be a few days late with a payment, but they made me sound like a serial killer when I mentioned this.

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This evening is fine :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I've got the emails and replied

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, affixed is the statement for court. You need to fill in the info where there are XXX's at the top (remove the XXX;s) the info you need will be on the court forms you have received. Read through it carefully to make sure everything is OK. When you print it out, your printer needs to be set for A4 paper (not Letter size) so it all stays on one page.

 

On the budget sheet - write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

Now assemble as follows:

Statement – signed

Budget Sheet - Appendix 1

 

Make sure it is stapled securely together. You will need to take a photocopy of it all for yourselves so you have a set to refer to in the hearing. When you hand it in to the court ask the court staff if there will be any free legal advisors on duty on the day of your hearing – if so, you can approach them and they will accompany you into the hearing and support you.

 

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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