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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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RBS/Tesco loan debt


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Hold fire for more opinions.

My view. The prescribed terms are there.

 

One question though, was this loan taken out instore or by post?

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This may need to be confirmed by others so don't hold out any hopes-yet.

 

If that is all they sent you, I cannot see any cancellation rights. As it says the loan is covered by the CCA 1974, I was under the impression that there had to be those rights within the document.

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It needs the RIGHT TO CANCEL

The early termination are not spelled out and needs an example

No warning about missing payments

Penalty charges are not spelled out but is there, maybe nitpicking

A statement explaining how and when interest charges are calculated and applied under the agreement are missing

Maybe nitpicking but need the DATES on which each repayment is to be made is needed, a bit vague in the agreement

 

The headings are incorrect, it needs the following headings:

"Key Information"

"Key Financial Information"

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi Lord-Tiger-Putin, thanks for your reply, I will have to see if there is enough reason for me to question it then, as at the moment there is nothing clear cut, it really needs an expert in the field of the cca to look at it in more detail and then let me know either way if I can challenge it or not, your points are interesting but am not sure how things stand regarding it being enforceable or not on these points alone.

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Hi Lord-Tiger-Putin, thanks for your reply, I will have to see if there is enough reason for me to question it then, as at the moment there is nothing clear cut, it really needs an expert in the field of the cca to look at it in more detail and then let me know either way if I can challenge it or not, your points are interesting but am not sure how things stand regarding it being enforceable or not on these points alone.

 

It is "small" points and could be discarded but they could add up though! Unfortunately these things should be clear cut, but they aren’t' always!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi LTP, yes correct, it would make life much easier if it was clear cut, there is no way that I would want to challenge it without being fully informed and sure that I was correct in doing so as it would only fail if I was wrong anyway, but this site is great for pointing people in the right direction so here's hoping :-)

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Found this earlier. May be useful to you (or not :-))

 

http://whatconsumer.co.uk/consumer-credit-act-required-information/

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 Silverfox, thanks for that, the agreement I signed with Tesco was taken out in 2004, so is pre this info, if the cancellation period applies to pre 2005, then I dont think this was in the agreement sent to me by Tesco's as someone else pointed out yesterday, but I would need to know if this renders it unenforceable.

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  • 1 month later...

Please could someone let me know if this agreement is enforceable or not?, this was taken out in 2004, and was for 25k, the loan has been agreed under the Consumer Credit Act 1974 as per the attached, so even though border line amount it was done under the act, this is not a secured loan (yet), any information would be greatly appreciated.IMG.pdf

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Thanks for the reply, I really need to know an answer on this, it was an agreement signed at home and as far as I can remember I did not get a right to cancel notice as the money was in my account within 24 hours of me signing the agreement, I would really appreciate that only those that know for sure yes or no, respond as I have already posted this on here before and still have no clear answer on it, even though I really appreciate the help received on here it gets me nowhere if those that answer are not sure themselves, manythanks.

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Thanks for the reply, I really need to know an answer on this, it was an agreement signed at home and as far as I can remember I did not get a right to cancel notice as the money was in my account within 24 hours of me signing the agreement, I would really appreciate that only those that know for sure yes or no, respond as I have already posted this on here before and still have no clear answer on it, even though I really appreciate the help received on here it gets me nowhere if those that answer are not sure themselves, manythanks.

hi was this an internet application?

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Gem,

 

Apologies if my answer was not definitive enough for you!

 

The agreement looks enforceable - BUT I'm fairly sure that it must contain cancellation rights, which I did not notice. That could possibly make it unenforceable.

 

Perhaps someone else could enlighten us on this?

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Guest Cartaphilus

Found this, if it's of any use from the OFT site:

 

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/agreements/

 

And a lot more here including cancellation rights:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?162851

 

Apologies, as I haven't read through them in depth, just looked for anything valid/useful re 'prescribed terms' and cancellation rights.

Edited by Cartaphilus
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I hope someone can help me with this, a brief about my situation, I lost my job a year ago this week after 23 years with same company as they had to close some of the UK offices, I thought I would not have a problem getting a new position, how wrong was I, I in the end signed on in Feb this year and struggled on on 64.00 per week job seekers, down from take home pay of 550.00 per week, I have applied for around 700 jobs and in the end used up all my savings, redundancy on trying to keep the roof over my head, found my self in debt and have tried to sort things out, have written to all lenders and explained situation and offered 5.00 a week to each of them (6 altogether) not good enough, they phone me around 20 times a day, I now have truecall so they hang up and dont leave a message, they try my mobile, I now turn it off at weekends as they phone through to Sunday night at 9.00, I do not see how talking to these people is going to change the fact that I can only afford 5.00 a week, I have asked for everything in writing and have refused to take calls if answered in error, I have had to keep my phone open incase any jobs come through. I have taken the step as advised on here of seeking out the true agreements, had one back so far but no one on here has been able to give me a clear yes or no answer as to if it is enforceable or not, I understand that there is information on here and have been sent links etc but if I was able to see for my self then I would not be asking for help on here, the route to the answer is complex it seems, I have considered a solicitor, but they want a large percentage to persue this, so I am still stuck, now things will get steadily worse for me as I have been fortunate enough to secure a temp position offering me a small wage for which I am grateful, I now can cover my mortgage and my council tax but that is about all, I cannot cover my gas and electric let alone any payments to these people, I will now start selling some of my things to try and ensure that I can keep paying even a small amount each month to them all.

Now my current problem is that I maybe could negotiate a settlement figure if I cash in some of my pension plan, I have had to stop paying into it as I can no longer afford it now, but it may mean they will leave me alone (am crying here) but how do I start with this idea if the advice on here is not to enter into a conversation with them?, I persume I have caused a problem for myself in avoiding speaking to them over the last three months, I say the job will be a problem as I am now earning and I dont think they will be patient with me, they have ignored the fact I am on jobseekers and have not cancelled any of the interest and keep charging me default fees as I cannot pay the full amount owed each month and now Tesco have sent me a letter as attached, I know after being on here that the personal visits cant take place without my permission, they are saying they could reposses my house, it really makes me feel like giving up, I have worked all my life, and it seems it will all be for nothing, the only understanding I have had is with my mortgage lender, I keep in touch with them every month and they have been very understanding. The other lenders demand information from me that I will not give them as they want to know who else I owe money to, and as Tesco are now suggesting bankruptcy is one of my options it is now getting more difficult for me to deal with this, any advice would be really appreciatedIMG.pdf

IMG.pdf

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OK, have had a look at both your PDF images, my first question is did you sign for this loan on their premises, or was it signed for at home?

 

The second PDF, the missive they sent you trying to be all pally pally and friendly, like they want to help you out, is a load of nonsense, there are a couple of things they mention which cannot happen and are untrue simply designed to intimidate you.

The enforcement/recovery action and seizure of assets, can't happen until they obtain a CCJ in court against you which you then have to fail to abide by, they then have to go back to court to ask the permission of the court to enforce other recovery action, one being the use of court certified bailiffs, not a tin pot debt collector who has no training or legal know how.

 

Personal visits to your home also cannot happen unless you make an appointment to meet them, so if anyone does knock on your door relating to this, they can simply be told to foxtrot oscar and get off your property.

 

As for their reference to 'repossession' then this is very misleading, repossess what exactly? They don't make it at all clear, and are simply relying on the fact that you will just assume they mean your house, unless they refer to your property specifically then don't assume this for them.

 

Can you scan and post up both the termination and default notice, the DN is the most important really, just to see if they have issued it correctly.

 

As for the telephone harassment, as you have the Rolls Royce TrueCall, you can print off the times and amounts of calls they have made and take this into your local Police station and file a report for the criminal offence of harassment, don't let the front desk fob you off with 'it's a civil matter' NO it isn't, it is a criminal offence, ask to speak to a senior officer, ideally the duty inspector.

 

As for your payments to your creditors, when you were on JSA these should not have been any more than the token payment of £1 a month, but if £5 a month is suitable for you, then you can maintain this, but if it is beginning to be a grind and you cannot reasonably afford this, then drop it down to the token payment, as long as you are paying 'something' rather than nothing, then there is very very little wriggle room for them, it would not look good in any court if they put you in front of a judge to ask them to force you to pay what you cannot, so don't worry.

 

Did you offer Tesco a monthly payment? If so I take it the foolishly refused this?

If you can set up a payment to them of £1 a month, NOT a direct debit, standing order only, and that goes for the rest of your creditors also.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for the replies, I was given advice but as I have said no one has been able to tell me for sure if it is enforceable or not, and was told to repost on here until someone could give me the advice I was looking for, also the other letter I only received today. BB, thanks for your response, this agreement was done on line and signed at home, I will post here now the default notice. IMG_0001.pdf

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