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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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LPA Receivers taken over my properties with no court order & no agreement from me.


Stevlynd
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Admin if you have to merge my posts pease can this be the main one as it has a more relevant title to my problem.

 

LPA Receivers have taken over my properties with no court order & no agreement from me.

2 of the properties are empty & the receivers are doing nothing about it, how would I stand if I were to go ahead & let the properties with full knowlege of the problem to the tennants?

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Admin if you have to merge my posts pease can this be the main one as it has a more relevant title to my problem.

 

LPA Receivers have taken over my properties with no court order & no agreement from me.

2 of the properties are empty & the receivers are doing nothing about it, how would I stand if I were to go ahead & let the properties with full knowlege of the problem to the tennants?

Okay,if it was me I would re let the properties.

 

Open another bank account and have the rents paid into it.

 

Work out how much roughly your quarterly payments were and get that March one paid Pronto.

 

When, if this goes to a court the judge will note that you have tried not to fall into arrears but the bank pushed you into arrears,banks fault being totally unreasonable.

 

If they the receivers have changed the locks on the empty properties,INFORM THE POLICE,these properties are still in your name,get a locksmith to change the locks back.

 

Send a bill to the bank for changing the locks back.

 

l You've got two months before the June payment if you can make it your back in control.

 

If you make to there you can start to negotiate,I don't know all the fact's but I would be getting the other tenants in the properties that are let to pay there rents into your new

Bank account REMEMBER there A.S T,s are with you not the bank or the receivers if they don't agree serve them notice's to quit.

 

GOOD LUCK.

 

 

I'll ask over the road if they can log on to here and help you but some are banned.

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Are the the LPA receivers acting for the lender

 

They cannot act in their capacity highlighted unless they have the authority of the court ( Ultra vires )

The properties are still yours unless a court has put any restrictions on the properties

 

You need to be asking why they have taken possession without any authority of the court

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Are we talking bankruptcy here ?

No I am not bankrupt & have never missed a payment or been late or short with a payment. Lpa receivers took over 27th feb & as they told the tenants not to pay their rent because they hadn't opened a bank account for it to go into marches payment was missed.

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Are the the LPA receivers acting for the lender

 

They cannot act in their capacity highlighted unless they have the authority of the court ( Ultra vires )

The properties are still yours unless a court has put any restrictions on the properties

 

You need to be asking why they have taken possession without any authority of the court

Hi Squaddie,the OP has another thread going but its all over the place but you should get the just of what's going on if you read it.
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Are the the LPA receivers acting for the lender

 

They cannot act in their capacity highlighted unless they have the authority of the court ( Ultra vires )

The properties are still yours unless a court has put any restrictions on the properties

 

You need to be asking why they have taken possession without any authority of the court

 

This was initially a 5 year deal which i was assured would be renewed. I then took out further loans over 15 years. The banks went belly up & said sorry we lied we want our money back & if you try to pay the 5 year loans we will probably choose to pay them off the 15 year ones. The loan agreement says they can do pretty much as they like, including putting the properties in the hands of the LPA receivers. After asking a million questions before i signed I was assured nothing like this would happen as long as I made the repayments.

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Are the the LPA receivers acting for the lender

 

They cannot act in their capacity highlighted unless they have the authority of the court ( Ultra vires )

The properties are still yours unless a court has put any restrictions on the properties

 

You need to be asking why they have taken possession without any authority of the court

Sorry missed the bit about who they are acting for. They have told my tenants they are my agents. I have sent a SARs to them to see if I can find anything that looks although they are acting for the bank in any way but obviously this all takes time.x

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Hi Squaddie,the OP has another thread going but its all over the place but you should get the just of what's going on if you read it.

 

Sorry for the messy threads but am new to all this & my heads a bit of a shed. Thanks to you guys am learning very quickly though.

I could post the letter I sent to my Mp as it pretty much covers everything although as you can imagine it is many pages long. Lol

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It does not matter what is put into a contract if it is in contravention of established common/case law

 

as long as you are the legal owner, with or without any security/mortgage

 

which this is

 

only a court can take back a property

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It does not matter what is put into a contract if it is in contravention of established common/case law

 

as long as you are the legal owner, with or without any security/mortgage

 

which this is

 

only a court can take back a property

Thanks for that squaddie. Am beginning to feel better already.

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Looking at that link, i have noticed it is three years old. Since then we have had the meltdown in the banking sector

 

Thing to watch is:

 

Has their been any change in statutory provision or established case law to either support, or negate the situation in 2010 in regards to the established practice by some lenders

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It does not matter what is put into a contract if it is in contravention of established common/case law

 

as long as you are the legal owner, with or without any security/mortgage

 

which this is

 

only a court can take back a property

Just another point would a court take the properties back or would they make us get round a table & sort the whole mess out?

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The court in any dispute will offer mediation before any sort of difference of opinion was placed before a judge

 

Thanks for that squaddie. I already feel as though a 10 tonne weight has been lifted. Have put the word out that I have properties to let & have already had some interest. Just need to find a tenant with some guts who will be able to stand up to any threats from the receivers.

Edited by Stevlynd
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Thanks for that squad die. I already feel as though a 10 tonne weight has been lifted. Have put the word out that I have properties to let & have already had some interest. Just need to find a tenant with some guts who will be able to stand up to any threats from the receivers.
You don't really want to tell the new tenants anything about any dispute,its not there business,when you start taking control the receivers will probably back of, someone at the bank is trying to frighten you ,.they the BANK are acting illegally.

 

You are going to have to start to stand up for yourself,the bank will try every dirty trick in the book to bully you and intimidate you,you as a tax payer have an 82% stake in this bank.

 

You've got a long way to go so get going and ask as many questions on here and other places these people will help you.

 

Don't be BULLIED.

.

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You don't really want to tell the new tenants anything about any dispute,its not there business,when you start taking control the receivers will probably back of, someone at the bank is trying to frighten you ,.they the BANK are acting illegally.

 

You are going to have to start to stand up for yourself,the bank will try every dirty trick in the book to bully you and intimidate you,you as a tax payer have an 82% stake in this bank.

 

You've got a long way to go so get going and ask as many questions on here and other places these people will help you.

 

Don't be BULLIED.

.

Thanks streetwise feel like we've been fighting alone since the end of February when they took them. Have seen a couple of solicitors but don't have any faith in them. now feel as though I have a whole army behind me. I certainly wont be bullied now i know where i stand. Am wondering though how I would stand putting tenants in without them being fully aware of the situation with the bank as if this goes to court quickly & they're evicted the may have a case to sue me for damages.

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Thanks streetwise feel like we've been fighting alone since the end of February when they took them. Have seen a couple of solicitors but don't have any faith in them. now feel as though I have a whole army behind me. I certainly wont be bullied now i know where i stand. Am wondering though how I would stand putting tenants in without them being fully aware of the situation with the bank as if this goes to court quickly & they're evicted the may have a case to sue me for damages.
You are a long way from court unless there is something you have not told us.

 

When the new tenants sign A.S.T.s they will have rights and the bank won't be able to just throw them out.

 

These properties are yours.

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You are a long way from court unless there is something you have not told us.

 

When the new tenants sign A.S.T.s they will have rights and the bank won't be able to just throw them out.

 

These properties are yours.

 

Lol no I don't think there is anything that I know of that I have not told you but as the tenancy date will be after the date they said they are taking over them and as the bank seem to think they owe them does that not make a difference? Also should I do the assured shorthold tenancy for 5 years, I know you can do them for up to 7 years?

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Lol no I don't think there is anything that I know of that I have not told you but as the tenancy date will be after the date they said they are taking over them and as the bank seem to think they owe them does that not make a difference? Also should I do the assured shorthold tenancy for 5 years, I know you can do them for up to 7 years?
What do you think.??? I see you've managed to post over the road. Edited by Streetwise
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What do you think.??? I see you've managed to post over the road.

Well I will go with my gut instinct & if I feel they are the right tenants I will do it for 5 years. Ok so now I know what over the road means thanks for that. I searched a different term & they were the 1st to come up. Thanks for all your help. Streetwise.

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It does not matter what is put into a contract if it is in contravention of established common/case law

 

as long as you are the legal owner, with or without any security/mortgage

 

which this is

 

only a court can take back a property

Sorry missed this post. Have done a land registry search & my name is over the doors so to speak.

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  • 6 months later...
Sorry missed this post. Have done a land registry search & my name is over the doors so to speak.

 

Hi Stevylynd

Have you got any update on the situation,I find myself with exactly the same as yourself down to the 5year deal agreement which was confirmed would be extended then due to the BANK CRISIS

A formal demand for repayment with zero possibility of refinance and now lpa agents appointed ( I also have no arrears and all payments met)

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