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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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Asset Link Capital (No1) Limited - First National(GE)


tiatia
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Can someone help please with any info

 

1. Are asset related to FN or GE in anyway?

 

2. Received a letter 2 years ago - re assignment from Asset Link

 

"Sale of your debt"

"We, Asset Link Capital hereby give you notice or intimation that on //////////First National assigned to us the benefit of the debt that you owe them under an agreement. As a result of this assignment your debt is now owed to Asset Link. We have appointed Link Financial to administer and recover your debt on our behalf."

 

Question is this

 

I received a Schedule of Inhibition (charging order) from them last nov. The name on it for the pursuers is First National Bank. Asset is not mentioned in any way. Why is this when the debt has been sold?

 

3. We had had charges added to our account for a couple of unpaid direct debits (£40.00 a charge) before we went to court. If these charges were illegal, then would the amount that they took us to court for not be wrong?

 

Any help will be appreciated.

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  • 2 weeks later...

Hi, is anyone abe to give me some advice or info as not only did I have charges on account before it went to court to begin with, i also believe the ppi was missold to me. If so, I,m trying to find out it if they took me to court for the wrong amount.

 

Any help appreciated

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Can someone help please with any info

 

1. Are asset related to FN or GE in anyway?

 

2. Received a letter 2 years ago - re assignment from Asset Link

 

"Sale of your debt"

"We, Asset Link Capital hereby give you notice or intimation that on //////////First National assigned to us the benefit of the debt that you owe them under an agreement. As a result of this assignment your debt is now owed to Asset Link. We have appointed Link Financial to administer and recover your debt on our behalf."

 

Question is this

 

I received a Schedule of Inhibition (charging order) from them last nov. The name on it for the pursuers is First National Bank. Asset is not mentioned in any way. Why is this when the debt has been sold?

 

3. We had had charges added to our account for a couple of unpaid direct debits (£40.00 a charge) before we went to court. If these charges were illegal, then would the amount that they took us to court for not be wrong?

 

Any help will be appreciated.

 

I'm not entirely sure what it is you're asking..But you must understand that none of these charges are ILLEGAL, they are UNLAWFUL and there's a big difference...I know you can get a CCJ set aside if the CCJ amount is made up mostly (if not all) of charges, I know nothing about charging orders though..Sit tight as I'm sure someone here can answer that for you soon enough

Just hate every DCA out there

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You can probably claim the charges back if unlawful

 

First National seem to regularly obtain charging orders and then sell them on to Asset Link which does seem a bit strange

 

Is there any equity on your property?

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Hi there

 

Asset Link is the company that GE/First National use when they sell bad debts. One of my accounts was passed to them but I am currently disputing it because the agreement was not executed properly and it has no authority from me to sell the debt or to pass it to a DCA.

 

If Asset Link own the debt then it should be them that holds the charging order against your house, not First National as they have sold the debt.

 

Have you been keeping in touch with Asset Link? What is the general run of events leading up to the situation you are in now?

 

Look forward to hearing from you

Gemspan

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FN had a decree against us.

 

It was still with First Nat and in 2005 I received a charge for payment of money from Fn solictors. I phoned up and set up a monthly amount. One month later received a letter re sale of the debt.

 

I began looking into it and reading up and a lot of things came to light that we did not know at the time we went to court.

 

I am disputing the amount of the debt gemspan for several reasons. I wrote to them in last march disputing the amount. I sent a full letter detailing why with copies of all documentation and they refused to enter into discussion stating

 

"it should be noted that only the benefit of the debt has been assigned to this company. Further, to now raise such queries with respect of the terms and conditions of the original agreement, some 9 years after its inception is not accepted."

After a few letters i phoned once and offered approx 30% in full and final. They refused and sent me a payment book and an amount to settle.

As far as I am concerned this account is still in dispute.

In Nov a charging order was served on us in the name of First National.

 

I don,t understand the assignment bit, should i be dealing with GE. We do intend to fight this and are quite prepared to go to court under the Unfair Relationships Act when it comes into force.

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Hi Tiatia

 

I think I would speak to Trading Standards about this. If the debt is in dispute then a schedule of inhibition should not have been placed on your house. Have you sent them a CCA and asked for a copy of the original agreement? Have you sent a SAR letter to them asking for all the correspondence they have in relation to your dealings with them? If not, I would do that now. Send off both and include a cheque for £11. This will give you a breakdown of exactly what is happening on the account and when the inhibition was placed on your house.

 

How much is the debt for? Have you been paying the debt or have you entered into an agreement with them. What is the background? Sorry to ask so many questions, Im honestly not prying; I just cant understand how they can suddenly place this on your house without getting a CCJ etc.,

 

Look forward to hearing from you

Annie

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I have had a copy of the credit agreement sent.

They got a decree(ccj in 2000).

 

The charge for payment came in 2005 as payments were not up to date due to personal problems.

 

We came to an agreement to pay their solicitors and everything was fine.

 

Then we received a letter from Asset saying they had bought the debt and the same solictors wrote and told us although the debt had been sold to continue paying to the solicitors.

We did then we got letters teling us to pay to Link so we did.

 

Then we woud get a letter from the solicitors saying we hadn,t paid.

 

Eventually we got a letter from the solicitors saying we were to pay only to Link.

it was at this point I began going over all my documents and reading up.

 

We wrote to Asset to dispute the debt because of the amount for many reasons.

We stopped payments .

 

As previously stated I have a letter stating its not accepted.

I rewrote to head of disputes.

I was given a contact name.

I offered him approx 30% of the debt.

He refused.

I said I would be taking it further.

 

My last letter was in July stating here is the settlement figure and payin book.

Then nothing but they put a scedule of inhibition(CHARGING ORDER) out on the house at the end of the year.

This came in the name of First Nat.

 

I have heard nothing from Asset since last July.

We contacted TS who were useless, i have read better advice on here.

 

I am now unsure who to contact as to the dispute with the debt - Asset or GE.

 

I have not sent anyone a sar yet, but luckily I have kept all documention and most correspondence since the beginning .

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HI Tiatia

 

As you have a CCJ then the reason they have placed the inhibition on the house is because you have not kept to the payment terms of the CCJ. They are legally entitled to do this.

 

If you feel that most of the debt is made up of charges then I would apply to the court to have the CCJ overturned. If the charges only make up a small part of the debt then I would write to GE/FN and ask them to remove this amount from the balance outstanding.

 

I dont know how easy it would be to get a decree overturned if only a small amount was charges. Also, the statute of limitations in Scotland is 5 years and I dont know of anybody who has successfully claimed beyond that date. If the CCJ was placed in 2000 then I really dont know how you would stand. Try posting something on the Scottish forum as the peeps on there are more in tune with Scottish Law.

 

I would just ask the question. Can I get the CCJ overturned as part is made up of charges. CCJ dates back to 2000.

 

I hope this helps

Kind regards

Annie

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