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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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.
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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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Interesting telephone call from Cabot


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I received a superb telephone call yesterday from cabot, and it went like this...

 

Cabot: Hello is that mr Sev?

 

Me : Yes, who is this?

 

Cabot: It's Citibank - er, I mean Cabot Financial, we own your Citiba..

 

Me : I know, what would you like to know?

 

Cabot: Can you confirm your date of birth and postcode for security

 

Me : Sure, it's blah blah blah...

 

Cabot: Thankyou.

We've currently got you down as being on an arrangement with us for the sum of £blah. I was wondering if we can look to increase this at all?

 

Me : Not really, as I don't have a lot of kob certainty at the moment and I'm not going to commit to anything until the economic situation clears.

 

Cabot: well, if you wanted to settle this we could make this very attractive, and offer you a substantial discount anything up to 20%

 

Me : That's very kind, but I really don't have the means otherwise, i'd have called you a long time back.

 

Cabot: Well, as it stands Mr Sev, your current debt at your current repayment will take 25 years to pay off, we could come to a payment arrangement for £95 pm which will clear it in 5 years.

 

Me : Sorry, but as I said, I don't have the means. That's why you and I are even talking.

 

Cabot: Yes, I understand that. Perhaps we could interest you in a loan to settle this?

 

Me : I don't think so, you've already defaulted me on my credit record, as have all my creditors. What makes you think that I can afford or want a loan when I can't afford to pay what I've already got owing?

 

Cabot: Oh, OK, how about relatives or frieds, could they not lend you any money?

 

Me : er... let me think.... no.

 

Cabot: Well could you stretch to a 10% increase, it's only 2 pounds.

 

Me : I probably might, but I'm not commiting to anything at the moment.

 

Cabot: OK, well i'll send out the paperwork, to confirm and just to let you know if you miss a payment there will be charges and late interest fees...

 

Me : Send what you like, but i'm not confirming anything at he moment as I don't know if i'll even have a job at christmas.

 

Cabot: Well we need to get this debt moving and i'll give you a call in 6 months to see how your circumstances are doing. In the mean time, perhaps you could ask your family or friends for money, or consider our loan service. If you have an unexpected windfall We'd make the settlement offer very attractive.

 

Me : Ok, if I win the lottery you'll be the first to know. Thanks.

 

Cabot: Goodbye.

 

Me : *hangs up*

 

 

Is the lift actually going to the top floor with this lot?

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Section 2.6 http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

A complaint to OFT don't you think?

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Is it just me, or are the DCA's starting to sound very desperate to get people to pay? :D

 

I had a letter on saturday. (a DCA's fave for sending urgent letters to contact them.) Asset Collection & Investigation ltd.

 

They have written from their "Pre Legal Department" :rolleyes: To inform me that they are carrying out a "Pre Sue Report" :roll: in the anticipation of pending legal action.

 

They say if I pay in full they are authorised to offer me a substantial discount on the blance owing. If I can't make a one off payment I can play in instalments to avoid legal action.

 

I'll call them on Monday morning with my own substantial discount offer, of no payment until they provide me with a CCA. :p Seeing as Argos and 7 DCA's before them failed, then I don't hold out much hope for ACI ltd.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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By coincidence, I had a letter yesterday from 1st Credit's Pre-School gang, stating that they intend to take legal action in respect of a debt which:

 

a. has already been the subject of a CCJ (by the OC, a utility company), served at the wrong address, in the wrong jurisdiction and in respect of a bill incurred after I'd sold the property

b. has been set aside for the reasons above

 

I have already begun composing a letter to the OFT...

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  • 5 years later...

Hi All,

 

I have had an agreement with Cabot since 2006 for my citi financial card.

what started as an 18 pound agreement back in 2006

as of yesterday is now a 40 pounds a month agreement.

 

My circumstances are that my partner hasn't worked for over two years,

ironically thanks to her company closing the UK operation and moving it to mumbai.

 

I support her and my elderly mother, and our mortgage and all household expenses.

 

For the last month I have been getting three times a day the cabot Indian call centre trying to call me to 'review' the agreement.

 

With all my expenses and credit debt agreements (which are slowly being chipped away at)

I have a sum total of 100 pounds disposable income at the end of the month,

which generally gets swallowed up with material for repairs to the house, DIY etc - essentials,

- we haven't been out for a meal for example in over three years,

but that said all my priority debts and utilities are always taken care of, of that I'm thankful.

 

The indian call centre yesterday as always pressed for incomings/outgoings.

 

The said that with 100 pounds disposable income I could afford to pay more that 38 pounds.

 

He asked how much my partner got in benefits

and how much my mother got as a pension and tried to manoeuvre this into the whole household available income.

 

He tried to push for the state of my mothers' health - following it up with 'perhaps there may be a lump sum available to you soon'

 

He was also rather agitated that I didn't want to take up the direct debit agreement,

and despite it being obvious there were no other monies pressed for the availability of a lump sum

or of anyone in the family had any investments that could be freed up.

 

He was also constantly re-iterating that at this rate the agreement would not be paid till 2022 - as if I was enjoying dragging it out.

 

I genuinely hate these filthy people and their practice.

 

 

I despise cabot more than any of the other creditors

- even MBNA have been civil compared to these call centre crows in a continent

which has nothing to do with the one I am in, and which has in part led me to suffer the hardship I am under.

 

I would remind cabot that it was they who pressurised me to take more credit to keep up with repayments in 2006,

and it is outsourced call centre filth like their mumbai muppets who now prevent me from repairing my leaking windows and roof on my home.

 

So what do I do? there's nothing I can do really.

 

I'd like to ask them to call me from a UK cal centre only but then that's politically incorrect I suppose.

 

But i'm most upset about being asked for the other income in the house,

the expectation that I've got investments tied up for my own benefit

and the speculation on a death to release equity to make them go away,

or that somehow I am intentionally enjoying a champagne lifestyle at their expense.

 

Oh and "could you repeat everything you have agreed to for the benefit of the recording of this conversation please".

 

Still, when your earning potential is based on how much pressure you can put on others then what do you expect.

 

Is it even worth complaining? lets face it, the banks and their bottom feeders actually get aroused through the enjoyment of knowing that people are suffering as a result of actions like this, and the people you complain to are set up by the very banks themselves.

 

I've never claimed for unfair charges against them, and now its probably too late, I've always played their tune and played fair. and all I get in return is hassle from a commission hungry indian call centre worker.

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Just ignore the calls and send the harassment letter. Cabot will give up. If they continue calling them they are in breach of regulation.

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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me thinks you are being cash cowed here.

that's why they keep up the pressure on you.

 

 

have you ever sent these Muppets a CCA request?

 

 

I can guarantee theres no agreement or matching T&C's

 

 

like all CITI debts of that era.

 

 

sorry but I think you are being had blind here.

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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me thinks you are being cash cowed here.

that's why they keep up the pressure on you.

 

 

have you ever sent these Muppets a CCA request?

 

 

I can guarantee theres no agreement or matching T&C's

 

 

like all CITI debts of that era.

 

 

sorry but I think you are being had blind here.

 

I have a 95% tendency to agree with DX. Youre being had.

Id like to see what they cough up via a CCA request.,..

 

Drop this tool a complaint - [email protected]

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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As said CCA request will

 

stop them dead in their tracks

 

Send asap

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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