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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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Capital One Credit Card Debt - Fredericksons now on the scene!!


bezzy0_0
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hello everyone ,

advice needed really,

credit card company

i have been paying reduced payments below minimum payments requested for a few mths now with agreement with creditors,

low earnings/circumstances changes etc.. none missed ,

 

had agreement to do this they froze interest payments during this time have been repaying mthly from the internet through my bank with no problems right up to now

 

not been getting any statement to pay for mths

 

but got a letter from lowells other day saying they had bought debt and wanted to speak to me ref to paying of debt ,

hope i have done this right,

sending of cca request plus a validate debt letter to lowells,

also wrote to cc company to asertain when they charged off my debt , has could have been paying into there acoount after they disposed of debt for a few mths now,

 

i know i owed them this money anyway but will i be able to get back the payments made to them after they sold on my debts?

 

do i send a sar to my credit card company after i received a reply from lowell?

 

thanks:?:

Edited by bezzy0_0
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Hi and welcome to CAG

 

If you have had no notice from your original creditor that this debt has been sold (who is the OC?) then I would continue paying them until such time you get confirmation from them.

 

Once you get that, continue making the payments you have already agreed to. Lowells can do nothing to you (apart from taking you to court and they would look silly when you are paying)

 

If you have had charges put on your account then a SAR to the OC would be useful

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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Also, please try to contain your issue to one thread.

 

thanks

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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As above. When a debt is sold you should receive a goodbye from the original company and a hello from the DCA - this is known as a Notice of Assignment. Until you have this, as far as you are concerned the debt legally still belongs to the original creditor.

 

I suspect Lowells have bought the debt legitimately, so it might be worth writing to them and saying you have received no NOA from the OC. Until you do so, you have no choice but to continue your long standing arrangement with the OC. Once you receive the NOA then you will, of course, transfer this payment across to Lowells. I wouldn't even mention the possibility of any changes in payment or whatever, just assume the same payment will transfer across once everything is in order and let them approach you if they're unhappy with this.

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As above. When a debt is sold you should receive a goodbye from the original company and a hello from the DCA.

 

Tingy is this correct?. As i have never ever received a "Goodbye" letter from an OC regarding debt transferral under an NOA!. As far as i'm concerned it's always the new owner who acknowledges the purchased debt.

 

Regards

 

PB68.

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Same here always the DCA that introduces themselves as the new owner. Have had NOA on OC headed paper, but they were never been sent by the OC, I even sent a copy of one of these back to Barclaycard and asked did they sent it,, they said no, the new owner did, but as this was 1st Credit what do you expect.

 

By the way, I am now the new owner of your outstandig balance, payment must be made within 2 hours of reading this letter.

This assignment is valid if not even read by you.

 

Failure to pay will result in me throwing my toys out of the pram. This will initiate engulfment of your letter box with senile drivel of action that will never take place.

 

Anyone can say they own your debt, but doesn't say they do legallly

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Sincere apologies folks,

 

The goodbye and hello letters may well come together in the same envelope as your NOA, nut nonetheless there should be your NOA "Goodbye" from the OC even if the new DCA actually sends it.

 

Hope this makes sense now. Sorry!

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Hi and welcome to CAG

 

If you have had no notice from your original creditor that this debt has been sold (who is the OC?) then I would continue paying them until such time you get confirmation from them.

 

Once you get that, continue making the payments you have already agreed to. Lowells can do nothing to you (apart from taking you to court and they would look silly when you are paying)

 

If you have had charges put on your account then a SAR to the OC would be useful

 

thanks for reply , appreicated , sent 28th feb caa and query about doa request and prove it letter, to lowells and sar to cap one the original oc , recieved reply today from lowells today 4th march , no mention of prove it , no deed of assignment , and claims noa sent 8th feb and said they will contact cap one for cca and will get back to me shortly hopefully in 12 days time frame, is this standard reply and what should i be doing next ,thinking of asking oc for doa next and since i did not recieve the noa push lowells to provide proof of posting.:???:

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A deed of assignment you will not get, only a Judge can demand sight of this, what you are referring to is a Notice of Assignment (NOA), this should come up in a SAR to the OC.

 

Whenever such a laughable outfit such as Lowlifes make contact, the first response is to ignore them, then if they persist, a No debt Acknowledged letter should be sent putting them to strict proof of the alleged debt.

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 reply, is that 'the prove it letter' you refer too? also do i need to ask for £1 postal order back has the dca are not suppling this, it will come from the oc they are asking it from? thanks

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In my opinion, it's pointless sending a 'prove it' letter as you have already sent the CCA request. If it wasn't your debt then a prove it letter would have helped. What you are after is proof that Lowells have the right to be chasing this debt and you have done that with a CCA request.

If they haven't supplied the agreement (or a reconstruction of it) within the 12 working days then you can put the account into dispute.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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In my opinion, it's pointless sending a 'prove it' letter as you have already sent the CCA request. If it wasn't your debt then a prove it letter would have helped. What you are after is proof that Lowells have the right to be chasing this debt and you have done that with a CCA request.

If they haven't supplied the agreement (or a reconstruction of it) within the 12 working days then you can put the account into dispute.

 

thanks silverfox,suspect wont get the cca back in timeframe , will definetly send letter in dispute strightaway , aslo should i not mention yet that i had not received the noa yet which they claimed to sent in feb, keep it back UNTIL after they replied to dispute letter:???:they have to prove of posting -rec/del of that action i believe ,

Edited by bezzy0_0
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  • 1 month later...

Hello everyone , i have in been letter tennis with cap1 couple months now about my cca but more important they have been not responding in any way to my cputr 2008 request letters(no surprise there then) has to do they hold a current enforcible cca , (sorry dont have a scanner)had a reply from head of execuitve response centre which says:

 

i acknowledge that you are directing our attention to the consumer protection regulations 2008(CPUTR).i can confirm that we have in no way misled or decieved you and we are not going to change our postion. is this misdirection tactics?, has i feel i am still justified pursuing them to answer the question put to them corrrectly and in full? they have still in my opinion not answered that they do indeed hold a current enforcible cca.

 

As i mentioned earlier in my previous letter , you now have the option of contacting the financial ombudsman.Although we have provided you with their contact details, it is our understanding the financial ombudsman service may choose to not consider your case has issues regarding the enforcibility of consumer credit agreement would better considered by a court.i must now inform you that any futher contact we recieve from you on this subject will be acknowledged but we will not enter into any further correspodance.

 

well if they wont answer cputr question and will not enter into any further correspondance , where do i go from here with them , still push for proper answer with no replys from them ?:???:

Edited by bezzy0_0
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Do the same back to them, send a final Account in Dispute letter, and add a similar paragraph on the end of it as in theirs! Personally I would send it recorded delivery and make sure you keep their letter, and a copy of the notice of receipt of your letter as posted on the Royal Mail tracking website.

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  • 2 weeks later...

Hi Bezzy,

 

When you say you have been playing letter tennis with them, have you sent an official request for your CCA with the required fee of £1.00 and have they responded?

 

How old is your Cap 1 account?

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Hi Bezzy,

 

When you say you have been playing letter tennis with them, have you sent an official request for your CCA with the required fee of £1.00 and have they responded?

 

How old is your Cap 1 account?

 

hello , thanks for reply, my cap 1 account is around 10 yrs old approx and i stop paying very recently, yes, i sent sent cca request with the £1 fee

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bezzy

have they actually previously made any misleading statements etc?

afaik the cputr doesn't actually require any 'statements', re 'enforceability' for eg, to be made upon request?

legal enforceability of an agreement etc is for the courts to decide. and, the fos *may* not get involved in such legal issues?

an accurate 'reconstitution' would prob satisfy a cca request.

imo

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bezzy

have they actually previously made any misleading statements etc?

afaik the cputr doesn't actually require any 'statements', re 'enforceability' for eg, to be made upon request?

legal enforceability of an agreement etc is for the courts to decide. and, the fos *may* not get involved in such legal issues?

an accurate 'reconstitution' would prob satisfy a cca request.

imo

well not misleading has such,i am quite aware that they have satisfied my cca request with there reconstructred copies, but my question was that they are very reluctant to answer any question put to them direcly to do with cputr 2008 (which makes very suspious off them- why dont they answer) , if they had an enforcible cca would it not be so simple to state that in a reply, esp that i am asking do they currently have properly executed original cca, has my agreements are around 9 to 10 years old.

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..why dont they answer..

 

 

 

because they don't have to!

and also, ordinarily they prob won't because it is for a court to decide upon the enforceability of an agreement in the circumstances. but, if a dca/oc does happen to make a misleading statement etc re enforceability etc then they may be in breach of cputr?

is there any chance that it is statute barred?

any charges/missold ppi involved?

also consider s127 and/or s140 cca

the reconstitution has to be accurate? (see for eg the Kotecha case)

is the default notice compliant?

imo

Edited by Ford
typo
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I agree with Ford.

 

Cap 1 produced 3 different lots of T & C's for mine and none of them tied up with what would have been the original as the interest rate was different, which was confirmed by statements produced when they responded to a SAR.

 

They have been quiet for a very long time now but I guess that is because they owe me more back and I haven't pursued them.

 

If you haven't already, have a read of some thread relating to Cap 1 and you will quickly realise that they will NOT answer a direct question, only issue letter full of gobbledegook!

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I agree with Ford.

 

Cap 1 produced 3 different lots of T & C's for mine and none of them tied up with what would have been the original as the interest rate was different, which was confirmed by statements produced when they responded to a SAR.

 

They have been quiet for a very long time now but I guess that is because they owe me more back and I haven't pursued them.

 

If you haven't already, have a read of some thread relating to Cap 1 and you will quickly realise that they will NOT answer a direct question, only issue letter full of gobbledegook!

thanks for that dotty and ford , appreciated, will go through cap1 threads again more closely, even though been on this great site a little while ,so much input to take in ,and i will purchase a scanner and put up what all they have sent me in there replys in regards to the cca request.

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