Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Arrows/drydens PAPLOC - GE Money Debenhams Store card debt


jackjones
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1047 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello everyone, maybe you can help me.

 

I'm in a bit of a sticky mess. Heres a brief background.

 

I have a debt going back to maybe 2002

an account I and my wife of the time (i'm now divorced, she ran off to America (true story))...

 

opened a Debenhams account and at the point of her leaving me she left me in June 2005 with 5,100 of debt on an Debenhams (GE Money).

 

At that point, not knowing what to do,

 

I joined Kensingtons Financial, who write to all your creditors for you negotiating payments etc.

 

One thing they did successfully with most of my creditors (except GE money) was to freeze the interest.

 

I quit Kensington and started paying the creditors what I could afford on my own after getting some sensible advice about incomings/outgoings etc.

 

I wrote many many times to them since 2005 letting them know I can only pay x amount and have paid them that,

but they kept adding interest, but I put my head in the sand, as you do, and its got up to 10,500 now.

 

I know this sounds like I'm trying to play victim here and I hold my hand up I did use the card,

so did my wife (mostly), we buried our heads in the sand, simple as that and she left debt free as everything was in my name.

 

Recently,

I got a letter from them asking if I was in financial difficulty. etc and if so offering to freeze interest or increase repayments etc.

I'm guessing 10k is some type of trigger limit for them. I

wrote to them saying Yes please, stop the interest. And then keep paying them what I can per month.

 

They've just wrote a letter unrelated to my plea as it were and said I now owe 15K including arrears.

but total owed 10k and minimum payment 10k.

I think their computer is screwed up or something because I got something like this last year, where it made me call them up and clarify it and they adjusted it.

 

I'm guessing its some type of fear tactic to make me call them.

Bearing in mind I am paying them every month, its not a huge amount but its all I can afford.

I'm going to assume their computer again is not right, they surely cant slap 5k on there.

 

The amount of interest they have charged is unbelievable. They are relentless.

 

Ás you can imagine, I'm feeling very nervous and harrassed.

 

I was hoping this year that I could maybe negotiate with them

and ask them if I could pay them 3,000 as a full and final settlement as my dad is willing to help me,

he should be getting payment around march.

 

And I was thinking since I owed 5100 to start with, and my financial people (kensington)

asked them to freeze interest at the time, they might accept it.

 

Now I feel I dont know what to do.

 

Can anyone offer me any advice as to what move to make next?

 

SHould I request a CCA or something like that?

Should I try and settle with them?

I cant afford more than what I'm paying right now.

 

Even if they scrapped the interest since 2005 (making it 5,100) and I paid the 3000 from my dad,

and then was able to realistically pay them and pay the 2000 off a light would be in view.

I dont want to go to court, go bankrupt (I have NO house or car or anything of real value).

 

Thanks for listening. Sorry if I just blurted it all out, its the nerves speaking!

 

Sorry for babbling there I think I've calmed down now for the minute!

 

I've looked again at the statement they sent. I think they've stopped the interest for now as on the statement it says against 0.00 against estimated interest next month. So I think they've frozen the interest so far. The "amount including arrears" of jumping up 5000+ I have no idea about.

 

My question is, do you think it might be worth me sending them a full & final settlement offer letter?

 

only... I'm not in a position right now, my dad should be able to help in a couple of months or so. I hope!

 

Or would a CCA request put me in a better advantageous position for negotiating first?

 

Does anyone have any suggestions?

Link to post
Share on other sites

  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks very much, very helpful.

 

(Just to add here.... these are the original creditors)

 

When you say subject access request... how do I do that? is there a letter template?

 

As regards charges... You mean interest? well I'm guessing they froze it, but it would be good to see all this in black and white.

 

I'll send the CCA request for now, and mail it tomorrow.

 

Thanks

Edited by jackjones
Added more info.
Link to post
Share on other sites

  • 2 months later...

Hello everyone.

 

I've had a debt with Debenhams (GE MONEY) for some time now.

I've paid what I can afford every month,

and have a standing order set up with them.

The interest is frozen.

 

The loan balance is now a whopping 10,000+ which has doubled from 5,000 since my wife left in 2005.

 

I pay them every month but they've put me in arrears since the amount I pay each month is less than what they expect

"you have failed to make the payments when due and your breach has resulted in arrears of 10K"

 

They've sent me a default notice under section 87 of the consumer credit act which is giving me 21 days to take action to resolve it or face possible court action.

 

I have no idea what to do as a next step. I dont want a CCJ on my record.

 

They say to remedy this breach I must pay the full 10K within 21 days from the receipt of notice.

Then it says you may telephone us on 0870 ... with your payment proposals.

 

Im scared and nervous. Is it just for them to get me to increase my payment? because I cant.

 

I have no property or car the debt is totally unsecured.

 

I've already requested a copy of the CCA agreement as advised and sure enough they provided it.

I have had the account since 2000.

 

my dad has offered to give me 3,000 pounds in order to pay it off and lay it to rest.

He can see the stress I am under.

Do you think if I make them a full and final settlement offer they might take it?

the Debt was originally 5K and has ballooned to 10K.

Other wise it would take forever to recover.

 

Is it worth a shot?

 

Thanks.

Link to post
Share on other sites

First send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

Edited by cerberusalert
Link to post
Share on other sites

The default notice is incorrect in that they're demanding the whole sum rather than the arrears to rectify the default.

 

You can defend a CCJ claim.

 

If you make an F & F offer, make sure you get it in writing.

 

Can you scan and post the CCA they sent for it to be checked over please.

Link to post
Share on other sites

If the CCA is enforceable you can then send a SAR to determine what unfair charges have been added which you can claim back. Those alone will probably negate the balance of the debt anyway. But let see what a CCA request throws up first, because there's no point in making any offers until your in a strong position to negotiate in your own favour.

Link to post
Share on other sites

Thanks for that. I've already tried that, on the good advice of this website, and they enclosed my original agreement (photocopy).

 

How would I know if its unenforcable?

 

I'm unsure if they would accept that amount as a settlement.

Link to post
Share on other sites

Why are you paying GE money anything at all when they have no legal powers to any monies off you?

Only a county court does.

I would demand a full refund of everything you have paid them so far - threaten them with legal action if they refuse & report them to the OFT/trading standards in the process.

Link to post
Share on other sites

I'm sorry to say that all the prescribed terms are there, so the next step will be for you to send a SAR letter which will cost £10... letter #9 The Consumer Forums - Debt collectors send it to the original creditor, they have 40 days to provide the information. It should include statements of all the charges which have been added & you should be able to reclaim those which are unfair.

Link to post
Share on other sites

Thanks for checking it out. That sounds like a good idea, thank you for that. I will try it and see what happens.

 

The interest etc they added i'm sure i owe it as i always paid less than minumum payment when wife left, and a few months I paid nothing. but for the most part i've paid something, just what i could afford. they could be in the right.

 

My dilemma is that they are asking me to pay 10,000 within 21 days or call them to negotiate, I am not sure what to do. firstly I cant give them any more per month (not what they are asking) and I certainly cant afford 10,000. But my dad said to see if they would accept 3K and he could help me out.

 

sorry to repeat myself, just not sure what to do next.

Link to post
Share on other sites

Thank you Mr.Ton. but wouldn't that end up in court though as im bound by the agreement and I've defaulted on it ? so although they might not legal authority now, they could later?

 

I'd love to stop payments to these idiots. They are stressing me out good and proper, the debt has doubled in 4 years. Thats a relief to know that they have no legal authority over me.

 

but I'm just a bit worried that could lead me straight into court, which i'd like to avoid if I can.

Maybe its a scare tactic to get me to call them an re-negotiate monthly repayments.

The default notice is asking for the full 10K (as arrears) which somebody earlier on said that its not valid to do that.

 

I'm probably barking up the wrong tree, but I'm thinking at least if maybe I keep paying them something then maybe it might put me in a better position IF it gets taken to court, because they could see that I have been making efforts to pay and intend to pay.

 

One chap on here states he's in litigation with them, I'd much rather it not go to that stage and them keep accepting all I can afford to pay until such time as I can increase payments (not in the near future!)

 

i'll follow the advice given earlier to obtain the Subject Access Request and see what happens, hopefully some of the charges GE money has placed on me can be removed. (Not sure how i'd tell) but i'll wait and see what comes back.

 

Maybe then I can be in a better position to bargain with them.

 

The other thing I was thinking is maybe writing to them showing them Income & Expenditure showing them my dire financial situation and re-affirming that the amount I'm paying is the most I can afford.

 

And maybe if that gets me nowhere maybe offer them the full and final amount my dad will lend me 3K (of the 10K owing). I wouldn't mind if they dropped it to 5K and I paid 3K down and owed 2K, at least an end in sight for payments.

 

Anybody have any thoughts on the best course of action?

Link to post
Share on other sites

Hi JJ

 

I have got the same DN its invalid no date to remedy!

 

They issued court papers to me 5 days after assigning the debt. They do not care about if you can pay or not American bank they go by their own rules.

 

But IMO if they terminate your agreement under that DN their claim will fall at the first hurdle.

 

Good luck

 

GG

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...