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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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Motormile Finance Debt Collection Visit Letter


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Hi people,

 

Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house.

 

This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks :(

 

Anyway i hope this helps others.

Dears Sirs,

 

Further to my email here are the OFT guidelines on Debt collection visits as i feel you may be unaware of them;

 

Debt Collection Visits;

 

3.11 Those visiting debtors must not act in an unclear or threatening manner.

 

3.12 Examples of unfair practices are:

 

a. not making the purpose of any proposed visit clear, for example, it is not

sufficient to merely state that collectors or field agents will call and not

state what they want to achieve by visiting the debtor

 

b. visiting a debtor when it is known they are vulnerable (by reason of age

or health or disability), for example, when a doctor's certificate has been

provided stating that the debtor is ill

 

c. not leaving the property when it becomes apparent that the debtor is

distressed or otherwise vulnerable, for example if it is suspected that the

debtor might have insufficient mental capacity to make an informed

repayment decision at that time

 

d. entering a property without the debtor's consent or an appropriate court

order

 

e. not leaving a property when reasonably asked to do so

 

f. visiting or threatening to visit a debtor without his prior agreement when

the debt is deadlocked or disputed

 

g. not giving adequate notice of the time and date of a visit

 

h. visiting debtors, unless requested, at potentially inappropriate locations

such as work or hospital.

 

These guidelines further substantiate my claim of harassment and if your current practice of threats continue i will file a complaint on these guidelines.

 

Good Luck

 

 

http://www.oft.gov.uk/news-and-updates/press/2012/21-12

Edited by calum031189
Just read this i recommend everyone read it - they are not as high and mighty as they may appear!!
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Hi people,

 

Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house.

 

This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks :(

 

Anyway i hope this helps others.

Dears Sirs,

 

Further to my email here are the OFT guidelines on Debt collection visits as i feel you may be unaware of them;

 

Debt Collection Visits;

 

3.11 Those visiting debtors must not act in an unclear or threatening manner.

 

3.12 Examples of unfair practices are:

 

a. not making the purpose of any proposed visit clear, for example, it is not

sufficient to merely state that collectors or field agents will call and not

state what they want to achieve by visiting the debtor

 

b. visiting a debtor when it is known they are vulnerable (by reason of age

or health or disability), for example, when a doctor's certificate has been

provided stating that the debtor is ill

 

c. not leaving the property when it becomes apparent that the debtor is

distressed or otherwise vulnerable, for example if it is suspected that the

debtor might have insufficient mental capacity to make an informed

repayment decision at that time

 

d. entering a property without the debtor's consent or an appropriate court

order

 

e. not leaving a property when reasonably asked to do so

 

f. visiting or threatening to visit a debtor without his prior agreement when

the debt is deadlocked or disputed

 

g. not giving adequate notice of the time and date of a visit

 

h. visiting debtors, unless requested, at potentially inappropriate locations

such as work or hospital.

 

These guidelines further substantiate my claim of harassment and if your current practice of threats continue i will file a complaint on these guidelines.

 

Good Luck

 

 

http://www.oft.gov.uk/news-and-updates/press/2012/21-12

 

Hi,

 

was this a WDA or QQ loan by any chance

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Hi Foxtrotoscar,

 

Yes they do send them everyday now followed with a text message, telling me if "If I want to avoid any embarrassment i should contact them to arrange an appointment". I have told them to do one as i am not making any appointments nor am i speaking to them on the phone. I would write to them but find emails are a faster and form of communcation. However they seem to want to talk on the phone quite alot and i just found them rude and they all seem to want me to confirm address and details over the phone which of course i refuse because they haven't written to me yet.which i think they don't have yet!

 

I'm about to do a Trust Deed so they can do what they like, and the second one of their guys turns up at my door the police will be phoned as i have got all the evidence i need for harassment and for them failing to adhere to the OFT guidelines.

 

How are they with you? I'm in Scotland so i know things are lot harder for guys in England.

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Even better i got this email about their special offers... i used to work in Web Design and their email structure is ridiculous. I mean my niece could better ;

 

Dear Mr Vannuil,

EASTER OFFER

Our ref: XXXXXXX

Re: WageDayAdvance.co.uk (debt assigned to Motormile Finance UK Ltd)

Debt: £215.13

Here at MMF we are not immune to special times of year and we strive to provide Special Offers on such occasions.

Our callcentre and Doorstep Agents will be active all Easter long weekend - Friday to Monday.

You may think we are like every other debt collection company but we are not. All we want to do is talk to you and come to an amicable and realistic repayment plan, before there is even any need to involve our for Doorstep Collectors or Legal Department.

EASTER SPECIAL OFFER:

Option 1 - a single lump sum payment of 70% in full and final settlement to be paid no later than Monday 30th March 2012...this would mean you paying back less than you actually borrowed!

Option 2 - £10 holding payment made by debit or credit card will secure an instalment settlement figure of 90% of the debt payable over 6 equal monthly payments of to start no later than Monday 30 April 2012.

These offers are available for acceptance until Easter Monday, but call earlier to guarantee the offer as demand on our switchboard will be high.

Please call 0844 7709583 or 01138 876876 for immediate assistance.

Get rid of this debt once and for all before costs and interest start to escalate.

Yours faithfully

Home Visit Department

Motormile Finance UK Ltd

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Hi Foxtrotoscar,

 

Yes they do send them everyday now followed with a text message, telling me if "If I want to avoid any embarrassment i should contact them to arrange an appointment". I have told them to do one as i am not making any appointments nor am i speaking to them on the phone. I would write to them but find emails are a faster and form of communcation. However they seem to want to talk on the phone quite alot and i just found them rude and they all seem to want me to confirm address and details over the phone which of course i refuse because they haven't written to me yet.which i think they don't have yet!

 

I'm about to do a Trust Deed so they can do what they like, and the second one of their guys turns up at my door the police will be phoned as i have got all the evidence i need for harassment and for them failing to adhere to the OFT guidelines.

 

How are they with you? I'm in Scotland so i know things are lot harder for guys in England.

 

so have you already had a visit?

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Report them to the OFT, as they are doing an in depth investigation into the murky world of payday loans. WDA used to be a reputable company but changed their systems and became very very difficult to deal with. They MUST be reported.

 

If this case is a couple of years old as you state and you have not got them to agree a reasonable repayment plan then this is blatant harrassment and needs to be stopped.

 

If they send somebody round they are not bailiffs, cannot use bailiff powers and cannot do a 'pre assessment visit to assess your property' as some like to claim.

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  • 1 month later...

Sorry to jump onto the end of this thread with a first post.

 

I have a similar problem with Motormile in that I repeatedly get unsolicited text messages and phone calls with threatening pre recorded messages.

 

My problem may differ in that I have only once ever succeeded in talking to a human when they called and that person whilst pleasant refused to talk about it unless I provide them with a whole lot of personal data.

 

So I wrote to the directors explaining I would from that point onward charge them £45 per text message received.

 

I had an email back from Paul their office manger confirming he would get to the bottom of it and sort the invoices.

 

Alas he must have got lost along the way for his communications have dried up and he no longer responds to my emails.

 

I now invoice every time they send a text both in PDF to the directors email addresses and in the post to their Freepost address including each time a free gift in the large package on which the invoice is attached.

 

So far a bag of washed old socks and a shirt of my back, today I found a large number of computer mice and a working scanner to go with the latest two invoices. A perfect way to ensure my invoices for their text messages to me do not get lost in the post whilst recycling my old stuff.

 

I think they may have started to look forward to receiving them, shame they are not so quick on paying up.

 

I have also setup a nice easy website for them to pay me.

 

http://www.mmile-invoices.co.uk/

 

All of this in the hope that a real human will call at my door to drop of a cheque or pick up the phone.

 

At this rate of default it will soon be enough for a statutory demand !

Edited by JonathanFrancis
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Never call them on the phone unless you are able to record the full call. Make sure to state at the start of the call before you confirm any details with them that you will be recording the call in full. They will normally stumble for words and hang up, or call your bluff.

 

Either way, you can record them.

 

As for people calling at your door, you know they dont have ANY legal rights to do so right? Your milkman has more legal rights than they do.

 

Doorstep collectors are commision based and will do and say anything to get money from you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi All

 

The Directors Address for Motormile aint the address on your letter you recieve.

 

They have two Directors a Neil Petty and a Barnaby Page and yes I do have the address as been dealing with this Horrible wrotten to the core well could go on and will happily put the address on here.

 

That is only if the Site Team will allow it as dont want to get CAG into bother.

 

Motormile Finance UK Ltd

Head Office and Accounts

Protection House

83 Bradford Road

Leeds

LS28 6AT

 

I also have one of the director actual email address for that location but that one I will only put up with the Site Teams Permission.

Edited by stu007

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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You can always PM a site admin with the details and let them decide whether to make it public, or hold them back.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi JonathanFrancis

 

Yes you have there names on that link but if you look at the actual address on that link that address is just a main office/call centre it not there actual Head Office where they actually work from which is what I have posted.

 

Your Link was interesting especially about Barnaby Page and the IVA date as i wonder if he was still allowed to be a Director of Motormile with this IVA?

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 2 years later...

I keep getting repeated emails from MMF, threatening visits from Doorstep agents in respect of two relatively small payday loan debts. This continues, despite my replies to the mails and even a telephone call to MMF made this week, I am based outside of the UK for work and, therefore, any such doorstep visit will not be appropriate. But it seems MMF don't believe me! During the phone call this week, I agreed repayment terms for both accounts and subsequently received bank details to unable me to make international payments. But still the emails come.....! Isn't this debt harassment?

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Yes it is. MMF do not care about the law. Even the owner of MMF tried to blackmail a member of this site to stop them showing the public how MMF really operate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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