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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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Lloyds Bank- some advice please


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I have previously posted and recived some good advice which I greatly appreciate. Now having had some response from Lloyds I would appreciate further help.

 

I have a debt with Lloyds on credit card which is approx £11,000. Prior to finding this site and receiving help I had written to Lloyds twice a month since May 2011 advising that I had severe financial difficulties and was unable to make anything other than a token payment. I asked that interest and charges be frozen. I advised that I wanted to find a solution to my debt and was intent on repaying. I never received any response and they continued to add on interest and late payment charges.

 

When receiving advice, I wrote again with a token offer and attached a cheque for £1 which they have cashed in the last week but I have had no other contact.

 

I also wrote a CCA letter which they answered in time but I do not think it is satisfactory. They state that they attach a 'reconstituted version of your executed agreement and a signed statement of account' THERE IS NO SIGNED STATEMENT OF ACCOUNT AND THE CCA ENDS AT YOUR RIGHT TO CANCEL.

They further state that 'there is no obligation to provide you with a copy of your signed agreement but please be assured we would not have opened a credit card account without sight of a signed agreement.

' They then say they have satified their obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. WE WILL NOT BE ENTERING INTO ANY FURTHER CORRESPONDENCE.

 

They close by stating that the account was charged off on 07/06/2011 ( a month after my first letter) . The address quoted on the reconstituted agreement is one I left 6 years ago.

 

I am totally baffled as to what to do next or what letter template to use. I have 2 other cards to negotiate on one with Tesco who swiftly agreed to a token payment for 6 months to allow me some breathing space but have not yet answered the CCA letter of 10/10..The other is in my wives name with John Lewis and they have not yet responded to the CCA letter sent on 10th October so I am not sure how we stand.

 

I am about to head into hospital for an operation on 7/11 so am desperate to get something sorted. My previous thread was 'some reassurance please' which outlined my circumstances so I will not repeat here. In short I am about to have operation number 60 in 15 years after a major non fault RTA, I survive on a PHI payment and Incapacity Benefit to support myself, my wife and our 2 girls. I live in France currently.

 

Please help, thank you

 

GML

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I do not want to sound needy or whatever but I really could do with some advice here.....I entered into these letters etc on basis of support and advice and now having received replies really need help moving forwards. I am feeling the weight of everything very heavily, please if you have advice or a view/experience then I would appreciate any help.

 

GML

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I do not want to sound needy or whatever but I really could do with some advice here.....I entered into these letters etc on basis of support and advice and now having received replies really need help moving forwards. I am feeling the weight of everything very heavily, please if you have advice or a view/experience then I would appreciate any help.

 

GML

 

Good evening GML

 

Try to not let the Banker's dampen your good spirit. (easy to say I know, believe me GML I have been down those dark avenues and I tell you there is nothing to fear)

 

Anyway my dear fellow, how's the wheather in France?

 

How old is your account with the dark horse?

 

It appears that you have written quite a few letters to the said Banker's informing of your genuine financial difficulties, so you should have sufficient evidence that will hold in your favour if the robot issues a claim against you, there ignorance will be your bliss, however, as said, don't worry about it - now or ever.

 

Come back on the above - Roger - over.

 

Kind regards

 

The Mould or in French Le Mould

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Good evening The Mould!

 

Very pleased to see you back as I am a little out of my comfort zone here. I am also having back surgery next week to aid my walking so pretty stressed all round.

 

I have been a customer of Lloyds since I was 18 and I am 44 now...the credit card I am not entirely sure but I am pretty certain I have had a credit card account with them since at least 2000. This account is their Duo account which combined a Lloyds Gold Card and American Express and as far as I remember it was done by way of an upgrade online in about 2005/6. We moved to France in August 2007 and the account had been in place for at least 2 to 3 years at that point. I do not recall signing anything nor do I have any paperwork so it is all a bit vague...they have been asked to give details of when the account was opened but as yet have not responded to that point!

 

Would appreciate your thoughts on that?

 

Also can I ask.....i did the same CCA letter to John Lewis and Tesco but have had no answer and am now 22 days since letter sent. Also sent the standard token payment letters with 1 cheque to Lloyds who have cashed it but not responded other wise...Tesco who I have agreed 5 pound a month for 6 months and to John Lewis who have not cashed cheque or responded to letter......

 

All going on at once which does not help but really do want to get things organised.

 

I take great reassurance from your post, my family is all to me and half term has reenforced that point...life can be great until the spector of banks appear agin.

 

Thanks again and wait to hear from you.

 

Regards

 

GML

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Good evening The Mould!

 

Very pleased to see you back as I am a little out of my comfort zone here. I am also having back surgery next week to aid my walking so pretty stressed all round.

 

I have been a customer of Lloyds since I was 18 and I am 44 now...the credit card I am not entirely sure but I am pretty certain I have had a credit card account with them since at least 2000. This account is their Duo account which combined a Lloyds Gold Card and American Express and as far as I remember it was done by way of an upgrade online in about 2005/6. We moved to France in August 2007 and the account had been in place for at least 2 to 3 years at that point. I do not recall signing anything nor do I have any paperwork so it is all a bit vague...they have been asked to give details of when the account was opened but as yet have not responded to that point!

 

Would appreciate your thoughts on that?

 

Also can I ask.....i did the same CCA letter to John Lewis and Tesco but have had no answer and am now 22 days since letter sent. Also sent the standard token payment letters with 1 cheque to Lloyds who have cashed it but not responded other wise...Tesco who I have agreed 5 pound a month for 6 months and to John Lewis who have not cashed cheque or responded to letter......

 

All going on at once which does not help but really do want to get things organised.

 

I take great reassurance from your post, my family is all to me and half term has reenforced that point...life can be great until the spector of banks appear agin.

 

Thanks again and wait to hear from you.

 

Regards

 

GML

 

'Ello, 'Ello

 

Pardon moi, parlais vous anglais siv vou plais? (my spelling is not quite as French as it ought to be) Merci bau coup.

 

It might be a good idea to write a letter to the CEO and mark it as 'Executive Complaint' and include copies of all of your previous correspondence sent relating to your genuine financial difficulties and the response thereto that you have received to date.

 

Remind the Chief Executive Banker that you have been a loyal customer of their's for the last 22 years and honoured all of your obligations owed to the Bank throughout that said period of time, therefore, you strongly object to be treated as though you are bad debtor as you clearly do not deserve to be labelled as such. State that you require a written explanation from the Bank detailing their good, genuine and valid reasons as to why they are unreasonably refusing to discuss your genuine financial difficulties with you with a view to reaching a repayment schedule that is within your means and thereby maintain the said 22 year relationship with you and avoid the clearly unnecessary default and debt recovery action route against you.

 

Simply state that all your letters will be produced in court showing of your efforts to repay the debt and the genuine reasons given therein as to why you have become unable to sustain the normal monthly payments. Remind the Banker's that if they should continue to disregard your genuine difficulties and commence any legal action against you, then you will be able to show the court that they (the Bank) are the cause of the litigation and substantiate the same with tangible evidence, as a consequence of such, the Bank will find that it is unable to claim costs against you and their claim may even be struck out and you could be discharged of your indebtness to them.

 

Personally GML, I never send any template letters to anyone, you will find that you will receive a much more positive response to your correspondence if you draft the letter yourself.

 

I hope the above will help you somewhat.

 

Godzilla to that. (this saying of mine means - a good thing)

 

Kind regards

 

The Mould

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Thanks again The Mould more Allo Allo but a good effort! .....I do not really understand what charging off the account means though and why it would be done. I have maintained communication and made regular payments if not the minimum amount they want.As far as legal action goes, am I not correct in thinking that they cannot take action against me as I am resident in France for 4 years?

 

It is all rather confusing, I have relied on my own penship until recently though I used a standard CCA letter to get legalese correct.....what do I do if they do not respond to CCA letter?

 

Regards

 

GML

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Thanks again The Mould more Allo Allo but a good effort! .....I do not really understand what charging off the account means though and why it would be done. I have maintained communication and made regular payments if not the minimum amount they want.As far as legal action goes, am I not correct in thinking that they cannot take action against me as I am resident in France for 4 years?

 

It is all rather confusing, I have relied on my own penship until recently though I used a standard CCA letter to get legalese correct.....what do I do if they do not respond to CCA letter?

 

Regards

 

GML

 

Ah yes the A's ans le E's:lol:

 

Well, as far as your CCA requests are concerned, your creditors are not entitled to enforce the agreement while they are in default of your said request, a reconstituted agreement will suffice in response to the same, however, the original thereof will need to be produced in support of any claim brought against you to enforce such, in any event, it would be an unwise move for any creditor to issue proceedings against his debtor in circumstances where the debtor has legitimate reasons for offering and making reduced payments, no matter how small the payment made.

 

Charged off usually means sent to recovery department for debt collection process.

 

English courts may still hold jurisdiction over enforcement of the debt, however, statutory valid notices must be served upon you before the creditor can become entitled to enforce the agreement. You are a genuine 'can't pay' debtor type, you are not a 'won't pay' debtor type and that is why I suggested that you write to the CEO to state this and other facts relating to your case, it is unlikely that the CEO will even see your letter, however, your correspondence in this matter will be raised above the numpty robots department and therefore you should not be treated badly and mocked any further.

 

I would advise you not to waste your time sending letters to the collections department, customer services department or the customer relations department, far better to let the executive's office deal with your legitimate situation.

 

I am going off-line now GML, I shall keep an eye out for your case and help you as much as I am able to.

 

Good night from England - viva la France.

 

Kind regards

 

The Mould

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Thanks again The Mould more Allo Allo but a good effort! .....I do not really understand what charging off the account means though and why it would be done. I have maintained communication and made regular payments if not the minimum amount they want.As far as legal action goes, am I not correct in thinking that they cannot take action against me as I am resident in France for 4 years?

 

It is all rather confusing, I have relied on my own penship until recently though I used a standard CCA letter to get legalese correct.....what do I do if they do not respond to CCA letter?

 

Regards

 

GML

 

Ah yes the A's ans le E's:lol:

 

Well, as far as your CCA requests are concerned, your creditors are not entitled to enforce the agreement while they are in default of your said request, a reconstituted agreement will suffice in response to the same, however, the original thereof will need to be produced in support of any claim brought against you to enforce such, in any event, it would be an unwise move for any creditor to issue proceedings against his debtor in circumstances where the debtor has legitimate reasons for offering and making reduced payments, no matter how small the payment made.

 

Charged off usually means sent to recovery department for debt collection process.

 

English courts may still hold jurisdiction over enforcement of the debt, however, statutory valid notices must be served upon you before the creditor can become entitled to enforce the agreement. You are a genuine 'can't pay' debtor type, you are not a 'won't pay' debtor type and that is why I suggested that you write to the CEO to state this and other facts relating to your case, it is unlikely that the CEO will even see your letter, however, your correspondence in this matter will be raised above the numpty robots department and therefore you should not be treated badly and mocked any further.

 

I would advise you not to waste your time sending letters to the collections department, customer services department or the customer relations department, far better to let the executive's office deal with your legitimate situation.

 

I am going off-line now GML, I shall keep an eye out for your case and help you as much as I am able to.

 

Good night from England - viva la France.

 

Kind regards

 

The Mould

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Further to above I have today received a letter from SCM Solicitors on behalf of Lloyds Bank demanding the account balance. What do I do regards this?

 

The letter in response to the CCA said the account was charged off in June at an amount lower than quoted in this letter.....the default notice howeer was not issued until September. Further, they have not answered any of my letters trying to reach a payment agreement which I started writing in May before they say they charged the account off. I have continued to make payments albeit nominal ones, I have neer defaulted.

 

This all seems so disorganised and bizarre please throw some light someone!

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