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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mint/triton/green & Co


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Hi just wondering if anyone can help. I had a debt of £650 with Mint. They passed it on to Triton who insisted I had to pay £80 a month. I am a full-time postgraduate student. I managed to reduce the debt to £219 through various part time work but now have no job and exams shortly. I anticipate I may be able to pay the debt in a couple of months when I am working full time but have run out of options now. I rung Triton and asked if i could pay less and they point blank refused suggesting I should borrow the money off someone. I have now received a letter 30/1/08 from "Green & Co" stating unless I pay the debt they will commence court proceedings in 7 days.

 

In addition to this I had a friend begin a claim for unlawful charges on the Mint Card in November. I received an offer of £95 pounds from Mint despite the debt now 'being in Triton's hands' but passed the matter onto a friend who has prepared the complaint to go to the FSO. The total amount of charges is in the region of £300. I am wondering how to progress now with the matter, can anybody help?

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Hi just wondering if anyone can help. I had a debt of £650 with Mint. They passed it on to Triton who insisted I had to pay £80 a month. I am a full-time postgraduate student. I managed to reduce the debt to £219 through various part time work but now have no job and exams shortly. I anticipate I may be able to pay the debt in a couple of months when I am working full time but have run out of options now. I rung Triton and asked if i could pay less and they point blank refused suggesting I should borrow the money off someone. I have now received a letter 30/1/08 from "Green & Co" stating unless I pay the debt they will commence court proceedings in 7 days.

 

In addition to this I had a friend begin a claim for unlawful charges on the Mint Card in November. I received an offer of £95 pounds from Mint despite the debt now 'being in Triton's hands' but passed the matter onto a friend who has prepared the complaint to go to the FSO. The total amount of charges is in the region of £300. I am wondering how to progress now with the matter, can anybody help?

 

Hi don't ring them at all they will just try to browbeat you into making a payment. Send them a letter stating the amount of the debt is in dispute due to charges and any interest that has been applied to those charges. These letters are normally we MAY commence proceedings etc, advise them that if they do issue proceedings you will be making a counter claim for charges etc. Then wait and see.

 

all the best dpick

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They passed it on to Triton who insisted I had to pay £80 a month. I rung Triton and asked if i could pay less and they point blank refused suggesting I should borrow the money off someone.

 

They have no right to insist anything.:x

I would have insisted that they make do with £1 per month in a like it or lump it sort of way.

As for them refusing your request to pay less - next time you speak to them, say you are refusing to pay anything to them & let them take their "actions" against you etc...:x

A court would soon put these cheeky muppets in their place :rolleyes:

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Don't speak to any DCA on the phone; write and tell them you will only deal with the matter in writing. They will invariably try to exploit telephone calls, and insisting that they always write will give you time to think and act.

 

Pressurising a debtor into further borrowing is contrary to the OFT Guidance; you can report them to Trading Standards for this.

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Triton are just another department of the bank, RBS, just like Mint. And if you look carefully at the letter from 'Green & Co', you will see they are just the in-house lawyers at RBS. All cosy in the same family.

 

I suggest that you send them a CCA request with £1 postal order. See the template letter. If you sretch it, also send a SAR with £10 to gain all you stateemnts over the last 6 yeasr to see if there are any unlawful charges that you can claim back.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Ok will send a CCA letter? Just a quick question though have I not already acknowledged a debt with them by already making some payments?

 

Hi Just put a large heading "THIS ACCOUNT IN DISPUTE" Then when they comply with your CCA 1974 abd S.A.R - (Subject Access Request) requests you can check

 

1) is the "agreement" supplied enforceable

2) Calculate the charges and any interest applied to those charges, If that would not clear the balance and the agreement is valid then I would start paying them and reclaim charges etc to reduce your balance.

If on the other hand the agreement is unenforceable by the creditor it is still enforceable by you. This is my position with MBNA and I am at court with them to declare agreement unenforceable and refund charges, interest etc.

 

all the best dpick:)

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  • 1 month later...

Hi ok I sent the CCA as suggested by registered post on 6th Feb, Triton then sent me a letter saying they would pass it on to mint. I've heard nothing since but then today I receive a letter from Newman Debt Agency saying they want a cheque for £220. I don't really know what to do next can anyone help?

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I suggest this excellent letter to Newmans along the following drafted by Curlyben (suitably amended)

 

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be

resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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