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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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      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.

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Full and final advice needed


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Hello all

 

I was recently terminated from my job on health grounds and have been trying to reorganise my finances as I am now receiving ESA and tax credits.

I have 3 accounts with Cabot.

 

 

A family member offered to help me clear the 2 smaller accounts with a full and final payment with the other being put on hold for 6 months.

 

I emailed Cabot with my income and expenditure as they requested and the offers I would be making on the accounts.

 

 

Having looked at other F&F settlements on the forum we decided to offer 20% of the account balances.

 

Cabot have emailed back:

 

So that we may further review your account reference XXXXXX for a hold period of 6 months, and your offer of settlements towards account references XXXXXX/XXXXXXX, please can you provide us with some medical evidence which outlines your current circumstances. Please note, this should be dated within the last 12 months and signed by a medical professional.

 

Once we have received this from you will we will be able to further review your accounts and write back to you with our decisions.

 

We trust this clarifies our position and we look forward to hearing from you.

 

 

Maybe I'm wrong but I'm not really happy providing this evidence and would appreciate the opinions of others.

 

Many thanks.

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DO NOT OFFER ANY SETTLEMENTS. If cabot own the debt then its 99.99% likely that the debts are lemon debts. Which means you do not owe a penny. Pay them anything and you are wasting money.

 

Please give details of your debts with as much info as possible. Do not communicate with cabot any more until we can help you. No phone calls, no letters, nothing.

 

They also are NOT entitled to any medical history signed by a medical professional.

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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Thanks renegade.

 

The debts I have with Cabot are:

 

£193 Lloyds TSB credit card. Opened 07/2006 default date 02/2012

 

£925 lloyds TSB overdraft. Opened 08/2008 default date 11/2011

 

£7853 capital one credit card. Opened 08/2007 default date 12/2012

 

I also have an account for a lloyds tsb overdraft that was transferred to Mortimer Clark solicitors by Cabot for £1115 but haven't included this as there is currently a stay on the court process while they find the documents requested in my defence.

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CCA all of those asap

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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Also, when was your last payment on those credit card debts?

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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I'll write the CCA letters tonight and get them posted tomorrow. I was in a self managed DMP and I last made a payment around March 2016 before my health deteriorated but from what I can see Cabot have only been managing these accounts since January 2017.

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doesn't improve you credit file either go have a holiday with it rather than lining the pockets of cabot

they are simply a DCA and are NOT BAILIFFS

nor have ANY legal powers whatsoever.

 

 

all you'll do is fund them to harass 1000's like you ..

 

 

have you ever asked yourself this simple question?

 

 

I had a debt with a big multi national bank

they sold it for pence to pounds to a dca..

why didn't they take me to court and crush me...

 

 

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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I'll write the CCA letters tonight and get them posted tomorrow. I was in a self managed DMP and I last made a payment around March 2016 before my health deteriorated but from what I can see Cabot have only been managing these accounts since January 2017.

 

Send those requests off with the postal order, and do NOT communicate with them again. they have 12+2 days to fulfill the request. If they dont, then they can not collect it. It is very unlikely cabot will have the paperwork. And the capital one credit card theyre chasing will likely prove it. They saw the number and got greedy.

 

 

Get the idea of a settlement offer out of your head and focus on procedure and paperwork. If they call or write, then do NOT reply to them. Youll be marked as gullible. More so than you already have been

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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Don't tempt me - I could do with a holiday after the year I've had! After this discussion I think they've had their opportunity to accept my offer. If they hadn't asked for medical reports I wouldn't have given it a second thought. So glad they did now.

 

I'll have to check what other defaulted accounts I have. everything has been on hold for months I haven't thought about them. Should I CCA all of them or would putting the info like I did with the Cabot one be helpful?

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well you're not scare of court anymore

stuff'em!!

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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Don't tempt me - I could do with a holiday after the year I've had! After this discussion I think they've had their opportunity to accept my offer. If they hadn't asked for medical reports I wouldn't have given it a second thought. So glad they did now.

 

I'll have to check what other defaulted accounts I have. everything has been on hold for months I haven't thought about them. Should I CCA all of them or would putting the info like I did with the Cabot one be helpful?

 

Why would you even give them the opportunity. Theyre a dca. Very few dca's buy legit debts.

 

CCA every debt that you are being chased for. If youve heard nothing off one or two debts, then wait until they contact you again. Dont go poking the nest.

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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That's true - thanks to you for guiding me through it. Ok I've been a bit of an idiot with the Cabot thing but I think I'm on the right track now. Lesson is ask before you do!

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Yep. Golden rule of debts. IF a DCA has it, be very wary as they buy debts for pennies in the pound, no matter the status, and then try to chase you for the full amount. If theyve offered discounts, then its 99.999999999999% likely its an unenforceable debt and theyre begging you to give them something.

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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Just make sure the ONLy thing you do is get the CCA requests off. Do not talk to them do not write to them, do not reply to them. Just the CCA requests. Thats 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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ive got a 30 hold on all the accounts they shouldn't contact me and I certainly won't be contacting them. I've got the letters ready to go just need to get the postal orders in the morning and they'll be off. Is it 12 working days? Or do I not need to worry about this cos I'm unlikely to hear back?

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Ignore their silly timetime lines. Get the CCA requests off and its pretty much guaranteed they wont come back with the correct paperwork. They never do.

 

And the time line is 12 working days +2. They dont have any paperwork for the debts at all. They have to go back to the original creditor and try and get it. But they only tell you this AFTER you ask for the paperwork. If in the very unlikely event they respond AND the response is compliant with the law, then you get to SAR them. (This is where the rules need overhauling, so they are NOT allowed to chase you or even CONSIDER legal action until they hold the paperwork. All dca's will go to court, even when they dont have any paperwork at all. They hope to get a default judgement and scare the debtor into paying. Its a blatant misuse of the legal system, but for some reason its allowed.)

 

But they usually screw themselves over at the first hurdle , send a few more begging letters then give up.

 

You fell into the trap that most people do. get scared, dont know what to do, so blindly offer them a settlement, or think they actually have rights. And its a trap that ALL dca's rely heavily on and base their entire business around.

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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I did. I'd just been sacked on medical grounds and was having so many calls and they had my parents number and was phoning there I just wanted to try and sort it to get them off my back. I should have come here for advice sooner but thought I knew what I was doing - obviously not!

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Well dont worry. We can help you know. Just dont communicate with them, and send those CCA's off in the morning. Wait the 12+ 2 and i bet theyll send a letter saying they are askign the OC for info, and theyll respond within 30 days. Sorry cabot, you get 12+2 and you know it. Then in a few weeks, theyll send some junk back that doesnt fulfill the CCA requirements, and you can put the debt to bed, happy that you wont have to pay it.

 

Thats what happens with 99% of cabots debts anyway.

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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just for your information, there is no point CCAing the overdrafts, they are not covered under the CCA

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