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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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Excel counselling for West Brom Build Soc chasing mortgage shortfall CCJ from 2006


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Hi all,

Newby to this site,

 

approximately 1994 i handed the keys to my house to the lender,

i was stupid to do so, i know that now but "old head, young shoulders" an'all that!

 

i bought the house for £32,000 only lived there for about 3-4 years before life hit the skids.

i moved around for a few years & ended up in wales,

 

after a while i got a letter demanding approximately £14,000

i just screwed it up & filed it!

they'd sold my house for £18,000 expected me to pay the difference for the full original amount borrowed!

 

They repeatedly sent letters requesting that i go to the courthouse,

i was scared to death!

i ignored them, i was moving soon anyway!!!

 

a year or so later similar letter drops on the mat @ new place,

all in all i dodged it for years,

 

then i got a letter telling me a warrant was out for my arrest.

Time to put my hands up i thought!,

 

i rang them & was told that if i went to local courthouse i could cancel warrant.

i went and was asked a lot of questions concerning my bank accounts & had to show details of any bank accounts (cards etc) & sign some papers (no idea what)

the guy questioning me said that i could more or less just forget about it from that point onwards.

that was about 2006.

 

now im getting the same letters again,

a guy saying that he's trying to contact me concerning account #********* etc,

he comes from a company called Excel counselling according to his paperwork.

 

now, i have very little in the way of assets, i rent my home, i have a car & a motorbike

 

but, & its a biggun, i am the director of my own LTD company now, are the assets of the company in any danger from this process?

 

my company pays me the minimum wage to keep tax low etc.

so i can prove that my personal income is quite low, but can they seize money or assets from the LTD Co?

thanks!

Edited by yorick
remembered some detail
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With letters from the court & a warrant for arrest : it sounds like the lender got a CCJ.

If they hadn't : you'd have been in the clear due to the time elapsed, as mortgage shortfalls aren't enforced after 12 years, absent a CCJ.

 

A CCJ doesn't expire. It needs the permission of the court to enforce after 6 years, though.

If you've been dodging court letters : permission for the lender to enforce a CCJ, even after 10 years (from 2006), seems likely.

 

They can't go after company assets DIRECTLY.

They can affect the company though:

a) who owns the company's shares? They can go after those as an asset of yours (if need be by bankruptcy proceedings against you)

b) bankruptcy proceedings could be a powerful lever against you : you can't be a director of a company as a bankrupt, (and trying to get round that by nominating someone else as the director but controlling it through them isn't permitted, so called "shadow directorship").

 

 

" & sign some papers (no idea what)" ; as a general rule, if you don't know what you are signing, don't sign it until you understand what you are signing!

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hi Bazza s,

Im the sole owner & director of the LTD company, sounds like i may be fairly stuffed then!

it seems odd that the can check out my assets approx 10 years after the first payment default & as i had nothing worth grabbing leave me for another 10 years & take another look!!

also, the company only has equipment as assets, not money at present!

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I would not jump to any conclusions about your situation. First thing you need to get hold of, is a copy of the CCJ that was obtained, as well as details of any other court applications. Once you have that information, then come back for more advice or see a Solicitor.

 

If you have never been personally served any court document asking you to attend court about this, then i would question what you have been told. As far as i know, if they are looking at contempt of court or requesting you attend court for questioning, they have to personal serve court notice on you, by a court authorised process server. They can't just post it to an address.

 

Excel are acting for whoever owns this debt and they charge fees, which are added to the debt. Does not mean this debt is currently legally enforceable and if you ask your local county court for copies of all paperwork, then you can start to understand the exact current position. There is a process for getting copies of all documents from a court and a small fee fto cover photocopying.

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Excel counselling are a dca

Not bailiff s. Ignore them!!

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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Not really no such time limit

Think things have well passed now

No warrant can be active either

 

And I bet they say our client on their letter too

 

And I bet the letterhead doesn't say bailiff s

 

Trying to spoof you there's some legal recourse here

I bet not

 

Can you scan the letter go PDF please

 

Bet it doesn't say will anything either phishing/fleecing attempts

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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Is that right dx100uk? Does ignoring them eventually work? I think there's about three & half years till 12 year time limit!

 

There are thousands of mortgage debts being chased dating back to the 1990's and add on top those which are more recent.

 

 

In 2000 i believe the Council for Morgage Lenders made it a rule that if a repossession shortfall was not chased for 6 years, then it should be written off.

 

We don't know the exact history of this debt and was has happened over the years, hence why you need to get hold of the documents from the Court.

 

 

You would think that if they really wanted to enforce a CCJ, they would have a process server on your doorstep with an official document with a court date to attend.

 

 

The fact that they have given it to Excel to do general debt collection work on this, suggests that there is no imminent threat of anything major happening.

 

 

Perhaps more than 6 years has passed since this CCJ and they have not been able to extend any enforcement period.

They are just trying to see if they can get any money from you.

See what you can find out about the CCJ and any subsequent applications, so you know the truth about the situation.

We could do with some help from you.

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it seems that the OC wrote and got judgement on the shottfall within 6yrs

they got various warrants bt they would have ALL expired.

 

 

can we see the letter please and the name of excels client.

I would suspect it is NOT the claimant anyway

so not a chance in hell of ever enforcing anything.

 

 

we need to see the letter please in PDF

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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Hi dx100, I'm having difficulty responding on my phone. The letter is not really up to much, I can't scan it till later, I seem to struggle to find my way. Back to this thread every time there's a reply, I'm sure it's cos I'm new to it!

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follow the upload

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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  • 5 months later...

hi again,

sorry i disappeared,

i couldnt figure out how to convert the letter to the required format to send & then every thing seemed to have smoothed over & i heard nothing from excel again,

 

yesterday i got this letter through the door, any idea what it means?

 

i'm not sure if ive attached it correctly as i dont really now what im doing where PDF and suchlike is concerned, i downloaded something called Libre office that allows converting to different formats stc,

I know i probably come over as a technical dumbo, i mostly am! lol. my forte is hands on practical stuff.

county court notice.pdf

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they are trying the court route again but have been knocked back because they have failed to contact you first.

 

 

It is clear from the short summary of why that they have lied to the court about being unable to contact you.

 

Essentially you dont have to do anything about this as I'm sure they will be back in touch again.

 

 

You could ask the court for a copy of their application,

you may get charged for the photocopy but at least you will know what they were trying

 

Excel wont have much in the way fo rights in this matter

but if you dont defend when they take it to court you will always lose by default.

 

 

You must start taking control of your life.

Once they know that you are going to stand and fight they will most likely just run away as they have no legal rights to do anything.

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Has anyone been trying to contact you at the address the court have written to ?

 

Seems Excel or whoever represents them has told the court that they have attempted to contact you at the address and failed.

 

If they want to proceed you might have a process server turn up at your door in an attempt to deliver a letter by hand.

 

 

The process server will report that they tried and failed if you don't take the letter, so it makes no odds whether you try to hide or not.

 

 

You might as well take the letter if such a visit happens and try to deal with it.

 

 

As ericsbrother says, you might lose by default if you decide to try to avoid court actions against you.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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The process server is an independent listed official instructed by whoever owns or has contract to collect this debt, to basically serve documents on the debtor and to issue paperwork confirming service that would be accepted by the court.

 

The letter in October is just a field agent from Excel, not a process server that would be accepted by the court.

 

This just makes it look like Excel really don't know what they are doing. They have tried their luck in applying for alternative service and the Judge has not accepted. Why are they not willing to pay a process server.

 

Do you currently own any property assets or have savings, which would be at risk, if the claimant holding the CCJ looked to take further action ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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simply trying to spoof you.

 

 

I take it that letter came from a court address?

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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that's good then

 

 

the court are aware of their antics and are doing their job.

 

 

who's the claimant on the letter?

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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No harm in posting here

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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