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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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Gazza112 Helping a sick Cousin-v- Halifax


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Hi All

 

Just started this thread as i don't want it to get it muddled up with my own Halifax thread.

 

Right, little rundown and history on this.

 

My Cousin took out a Halifax credit card out at an Airport, back in 2001.

Was sold it by a rep at the airport at the time, the person filled in all the details and got my cousin to sign the application. As far as my cousin can recall she never recieved an agreement for that card.

She's been paying regulary up till she was diagnosed with terminal cancer, and couldn't now afford the minimum payments.

Now she contacted Halifax explaining that she has this complaint and it's terminal. With no result just demanding letters for payment.

The amount is off hand not having the paperwork to hand at the moment about £15,450.00.

Know this person is in her 60's and a pensioner with a disability pension living with her daughter who's caring for her.

I've just found out about Halifax,That's why i'm helping out.

 

As far as i know she's received a default Notice, which i've seen and it is invalid. Off hand i think it only shows 9 days to remedy.

I've CCA'd Halifax and got a reply saying that you received your agreement when you took out the card. All they have sent is the application form which my cousin signed in 2001.

 

At the moment Blair Oliver and Scott inhouse have taken over the account and threatening her with Court action.

 

I'll post up more details of the Default Notice and the application that my cousin received from Halifax later.

 

 

Gaz

Edited by Gazza112
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Hi,

When your cousin contacted them to inform them of her condition, did she do it by phone?

 

It may be worth visiting her GP to get a letter to confirm her illness which you could send to Halifax.

 

If, as you say, the default notice is invalid, have they terminated the account?

 

Don't let them know about the duff default as yet.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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That sounds terrible Gaz.

 

Having lost both my in-laws to cancer in 2007 and 2008, I know the last thing you need is further worry about anything - let alone something like this.

 

This is the sort of stuff you want to get into the papers

 

-no agreement

-terminal cancer

-pensioner

-living on disability pension

-daughter having to care for her

-bank ignoring all requests for help

 

With the current feeling towards banks I don't think you'd have a problem getting it picked up, and you might find it gets sorted much more quickly than trying to fight them alone?

 

If that's not a possibility I'd probably bypass the cretins and start writing directly to the CEO. If enough emphasis is placed on her condition and how it makes the bank look (you could possibly hint at publicity here even if it's not remotely in the offing?), it may kick them up the bum. I'd also (if you haven't already) get a formal complaint in so that the FOS can get involved - harassing a terminally ill pensioner for money they can't prove she owes??? That's utterly disgusting.

Time flies like an arrow...

Fruit flies like a banana.

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Hi,

When your cousin contacted them to inform them of her condition, did she do it by phone?

 

It may be worth visiting her GP to get a letter to confirm her illness which you could send to Halifax.

 

If, as you say, the default notice is invalid, have they terminated the account?

 

Don't let them know about the duff default as yet.

 

Hi Silverfox

 

Yes, she contacted them by phone and also sent them a form stating that this person is terminally ill. I can't remember the exact form number she sent them, but she sent them the orriginal and not a copy.

 

No, they have not terminated the account as of yet as it's with Blair Oliver inhouse department.

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Hi,

When your cousin contacted them to inform them of her condition, did she do it by phone?

 

It may be worth visiting her GP to get a letter to confirm her illness which you could send to Halifax.

 

If, as you say, the default notice is invalid, have they terminated the account?

 

Don't let them know about the duff default as yet.

 

 

Hi Silverfox

 

Yes, she contacted them by phone and letter stating that she was terminally i'll and sent them the original document from her GP and not a copy. The letter was a form with a reference No, she has asked for this form to be returned to her. But as of now no answer to her request.

 

The Default notice is blinding, as it's the worst i've seen with the other Halifax defaults on this forum, it even beats mine on here lol.

 

Before i sure her she was a bit frightened and worried over this dept, that's why i've taken over the letter writing to these companies.

 

As soon as i can get down to see her, i'll get a copy of the default and application and post it up without her personal details.

 

 

Gaz

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That sounds terrible Gaz.

 

Having lost both my in-laws to cancer in 2007 and 2008, I know the last thing you need is further worry about anything - let alone something like this.

 

This is the sort of stuff you want to get into the papers

 

-no agreement

-terminal cancer

-pensioner

-living on disability pension

-daughter having to care for her

-bank ignoring all requests for help

 

With the current feeling towards banks I don't think you'd have a problem getting it picked up, and you might find it gets sorted much more quickly than trying to fight them alone?

 

If that's not a possibility I'd probably bypass the cretins and start writing directly to the CEO. If enough emphasis is placed on her condition and how it makes the bank look (you could possibly hint at publicity here even if it's not remotely in the offing?), it may kick them up the bum. I'd also (if you haven't already) get a formal complaint in so that the FOS can get involved - harassing a terminally ill pensioner for money they can't prove she owes??? That's utterly disgusting.

 

 

 

Hi Lexis

 

I can't see that this would ever go to the Court stage, but what i can't make out my cousin put on the application form that she was a Nanny which she was at the time. The gave her a £15,000 credit limit?.

 

I did send both Halifax and Blair an a Harrassment Letter about doorstep callers and phonecalls, upto now the phone calls have stopped.

 

To date i've sent a CCA to Halifax and they returned a Application form.

Today i sent a CCA request to Blair, Oliver and Scott.

 

 

So were see what comes back from them.

 

 

Gaz

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Hi All

 

Right, got some paperwork from my Cousin on her account.

 

The following doc's are from Halifax and Blair,Oliver and Scott.

 

DEFAULT NOTICE

 

 

RitasDocuments0001a.gif

 

RitasDocuments0002.gif

 

 

LETTER IN REPLY TO MY CCA LETTER.

 

RitasDocuments0003.gif

 

RitasDocuments0004.gif

 

RitasDocuments0005.gif

 

 

COUPLE OF LETTERS FROM BLAIR

 

 

RitasDocuments0007.gif

 

RitasDocuments0006.gif

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hi,

 

well that's a double whammy.

 

duff agreement and an invalid default. Aw shucks to halifax. don't tell them about the bad default, let them terminate the account (if they ever do)

 

without the key terms on the agreement, I think it's unenforceable.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi Fox

 

Yes, looks that way i did send them a letter yesterday they should of received it today. Telling Halifax there very naughty not sending an agreement and only an application form. That should rattle a few strings while i wait for there reply.

 

Gaz

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Hi Gaz

i agree it looks like an unenforceable application form to me with usual thing of enclosing a seperate unsigned document of some ts and cs implying that they are in same dicument by sending them togegther but not actually saying so! !;) Something that seen to happen a lot on these forums lately:rolleyes: Akso an alleged agreement taken out in 2001 very likely not enforceble and has proabably been shredded and that a microfilch copy:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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That sounds terrible Gaz.

 

Having lost both my in-laws to cancer in 2007 and 2008, I know the last thing you need is further worry about anything - let alone something like this.

 

This is the sort of stuff you want to get into the papers

 

-no agreement

-terminal cancer

-pensioner

-living on disability pension

-daughter having to care for her

-bank ignoring all requests for help

 

With the current feeling towards banks I don't think you'd have a problem getting it picked up, and you might find it gets sorted much more quickly than trying to fight them alone?

 

If that's not a possibility I'd probably bypass the cretins and start writing directly to the CEO. If enough emphasis is placed on her condition and how it makes the bank look (you could possibly hint at publicity here even if it's not remotely in the offing?), it may kick them up the bum. I'd also (if you haven't already) get a formal complaint in so that the FOS can get involved - harassing a terminally ill pensioner for money they can't prove she owes??? That's utterly disgusting.

Like Lexis says the papers would have a field day of that one treating a sick woman just on a pension like this,if they got hold of the story especially with all the anti bank feeling going round.Disgusting behaviour of the Halifax:x

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 6 months later...

Hi All

 

Sorry not been on for a while, just buried my dad so just getting over it.

 

Right as you know i'm trying to sort out my Cousin's troubles with Halifax.

 

The latest news is that they have farmed it out to another agent, that's wright agent i don't think they like being called dept collectors anymore as it gives them a bad name lol.

 

Halifax have farmed it out to a firm called IQOR Recovery Services Ltd, anybody hear of them. Anyway i asked for a copy of the original agreement and all they have sent me is a copy of the application NOT the agreement i asked for.

 

I have replied to that letter giving them all the guidelines in what the difference is between a Application Form and a Agreement.

So in all am waiting for a reply.

 

One more thing in my original letter i asked for notice of assignment and a few more bits, reply was we dont need to have these as we are only agents working for HBOS.

 

Gaz

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