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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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Tax credits investigating living together - please help


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ihi i am in a position of a 2 year investigation, i got a letter through my door last thursday , had to phone this woman at hmrc and she told me what to do and was writing everydown as i spoke , they think my husband is living with me .

we have a joint morgage joint bank account as have a 5000 grand overdraft, i isure the cars as it is cheaper, and he has been living in london, he has been staying with a friend and has now got a room, somewhere in wembly. the mobile phones are in my name and most of the utility bills in my name , i have only got a cash account where all my stuff goes, he is still on the council tax as use to come back to see his daughter , would either sleep downstairs or in her bed and my daughter would come in with me. hence the reason he is still on the council tax. M y daughter has been bullied at scholl and we are in the middle of changing schools which i have to drive her to, if i go to prison what will happen . ia m now having sucidal thoughts as i tried to commit suicide when she was a baby i am down on diazipan and something else and have to go back to docs tomorrow, i am so scared , suicide i think is the way out i dont want to got to prison, i am thinking about handing my notiice in at work as if i end u[ going to prison i would not want them all to know . please help me someone, i do hope your case gets sorted

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hi i hope u get this sorted i have a 2year tax credit investigation , have a joint morgage joint bank account becase of a five grand overdraft, all my stuffgoes out of my own account, i insure both cars as it is cheaper , mobile phones in my name, most of the utility bills in my name, council tax in both names as he use to come back weekends to see his daughter. he live in london and has got to letters to prove that, but it is not looking good for me . i use the joint account but give hime the ccash for it unless he agrees to pay for it , they will not believe my story i had to phone the hmrc and provide a years worth of bank statements is that normal. she was a cow to me and wrote evrything down asked me questions like how did he get his statements , i said he didnt he checks the bank statements come hereand he has been using this as a postal adress as did not want his postbgoing to where he had a room with his mate as it was a communal post place so anyone could pick up his post, he has now moved, he was here over christams as he had to move out and we spent christmas with my family, i dont hate him but now just want out, i got very ill over the christmas period had a pheumonia virus so he looked after my daughter , but from the beginnig of jan got his new room.

i am now on diazi[pan and something else and feel very suicidal, i think that is the way out for me, i have a 12 year ol daughter who is in the process of moving schools, and i would have to drive her cant if i am in prison am scared and now want out , please can anyone help

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can someone please give me some advice please i am so worried, does a first offence mean , this tax credit or if they go back is each year counted as an offence if this makes sense am at my wits end.

PLEASE HELP ME

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can someone please give me some advice please i am so worried, does a first offence mean , this tax credit or if they go back is each year counted as an offence if this makes sense am at my wits end.

PLEASE HELP ME

 

Hello there and welcome to CAG.

 

Not everyone here knows about tax credits so you need the right people to turn up and see your posts. So please bear with us, you've only been here since 2pm :).

 

I'll start a new thread of your own and flag it for the site team's attention.

 

My best, HB

Illegitimi non carborundum

 

 

 

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the cars are insured here in my name , his post comes here as explained above , he has got letters of where he has been staying past and present the hmrc was a cow to me, writing everything down and i got so confused , i am thinking about giving up my job as dont want people finding out and feel very suicidal.

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have you been invited to an interview under caution.

 

hmrc mostly likely got their evidence together and need to hear what you have to say.

council tax and electoral: your partner should have been removed from these. your ex should not have stopped over night except in emergency circumstances. from what you have said its going to be hard to explain why you didn't do it. there argue you would have known about it for the 25% discount

 

again your partner staying overnight is a big no no. except in emergency circumstances and i don't think you have met that

 

using a joint account: again is a big no no. and i guess they wont believe you. part of their check now includes who puts money in and who withdraw its

 

joint mortgage is no so bad as its hard to remove one name from a mortgage because the mortgage want to protect its investment

 

we can only go by what you are saying

my advice is if your partner is living you then come clean and explain why you did it. a £5000 overdraft is one factor. you will have to repay every penny back but hopefully you would avoid the courts

 

beware the fraud team collect vast amounts of evidence so beware they could have other evidence for example job application forms for you ex giving your address catalogue companies delivering stuff to your address and loans all taken out at your address

:???: what me. never heard of you never had a debt with you.
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i go to the cab next wednesday but i dont think my nerves will last that long , i feel like phoning the hmrc and say do with me what u have to, i know i sound like a fruit cake , i could not cope with prison am thinking about handing my noticce in at work

 

folle

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i have not ad an interview under caution as my stuff has not been sent in yet, you are really scaring me , he is not on the electorol here, i thought he was allowed back to see his daughter , that is why i did not collect council tax rebate , am now feeling very suicidall , you have scared me

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first offence: no but as i said we can only go by what you tell us. if he has his own address in london then maybe he has evidence to prove it. does he pay council tax or rent. has he had loans etc at this address and insure is own car from this address.

if he can then you properly get a warning about letting your ex stop over night. dont know how you can explain the joint account

:???: what me. never heard of you never had a debt with you.
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Hi folle.

 

It's easier said than done, I know but you need to calm down - you will drive yourself to distraction worrying what may or may not happen.

 

Tax credit very rarely prosecute. Very rarely. To reassure you about that, I've helped people with hundreds of tax credit cases where an allegation of fraud has been made. Of those hundreds, I've seen only one prosecution. In most cases the investigation is a civil one, where the aim is solely to recoup the money lost - sometimes with an added financial penalty. Requesting a years worth of bank statements is perfectly normal; this happens in almost all compliance enquiries when they are investigating a potential undeclared partner. They also usually ask for a host of other documents such as utility bills, mortgage docs, wage slips, council tax bills. The issue that I forsee is one of proof, as a previous poster said. All the paperwork available appears to point to him having a partnership with you. Even in cases where it's been decided fraud has occured, prosecution is rare with tax credit. However, if you haven't already spoken to your husband, I would suggest that you do if he's approachable. He may have some documents which disproves their allegations and which could help you. Also, if you are legally seperated then the paperwork in relation to that would help.

 

As a consumer forum, we'll help where we are able to with your tx credit issues. Also because we are a consumer forum, we are unable to assist you with your the feelings you are experieincing at the moment. I know that you have gone to your GP and have obtained medication but if you are feeling in despair, I would urge you to contact the Samaritans. You can link to them here: Talk to Someone

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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no his car is insured here , all h e has got is letters staying he has lived there from the land lord and home owner, the joint account is because we have an overdraft on it and could not come off the account. if he will agree to take on the debt then i can come off but wont change my situation now, what do u mean by first offenc e, no ,

folle

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thanks for that , all he has got is letters with where he has previously lived and where he is now, i have talked to my gp, how long after sending everything in will i know what is happening , i am thinking about handing my notice in at work

 

 

folle

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as above. tax credits rarely prosecute and if i'm right the ones that are prosecuted are the ones were they have damming evidence and they still refuse to admit guilt. speak to the CAB they are best to help and right now they are the best to help

:???: what me. never heard of you never had a debt with you.
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you say they rarely prosecute , but the may decide to go back in years then would i go prison the letter i got only said 2010 to 2011 and 2011 to 2012 and have theses cases involved alot of money , he lives in london and like i said only got letters from where he lives, reading these posts it dont look good for me. if i phone them up and say i will pay the money back but my x does not live with me what would they do.

folle

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what i meant to say does the cases u have seen invole alot of money, the 2 years they are asking for is about 9 grand but if they go further could be more, the one that you saw prosecuted was it alot of money.

folle

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they must have something on me , so i will be the one that will get prosecuted, my chances not good, how long do these procedures take, once they receive my stuff , could the cab act on my behalf ,

folle

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