Jump to content


  • Tweets

  • Posts

    • 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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

default and depression


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2971 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone i hope i have posted in the correct area !! HELP my story is that

 

i have recently defaulted on 2 credit cards ,i am only 1 payment behind .

 

i was unlucky enough to have two operations last year and borrowed money from 1 card to pay the other

i have had to undergo further surgery april gone and i have been living on stat sick pay/ tax credits and housing benefit .

 

I have approached two debt charities and as advised done a budget which has surprised me ,

 

my outgoings are £350 more than i have coming in !!!!!

 

I am being treated for depression and have been for 3 years after losing both parents to horrible illnesses.

 

I have been straight with both lenders but the HALIFAX wont enter into any agreement because of my budget

and the RBS have now sent me a financial form to complete

,they are also asking when i will be back to work and can i send them a copy of my DRS certificate are they entitled to this ?????

 

by the way late charges and over credit fees keep getting addded.

 

Can anyone point me in the right direction ,

total debts approx £9000 iand i work part time for £6.50 an hour and my situation doesnt look like it will be any better even when i return to work.

 

any help would be appreciated TIM :-D

Link to post
Share on other sites

not entitled to know ANY of your pers medical details

neither

are they entitled to a budet sheet either..

 

what level are the debts please.

 

and how much of these are PENALTY charges & PPI?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi thanks for your reply, the level of debts are rbs £4200 and halifax £2200 they both increased the credit limits last year after i requested them to but i thought they would send me another agreement to sign.

at the moment there insisting on this budget sheet to see wether i am eligable for token payment £1 this is what one of the debt charitys suggested.

There is no p p i on either account but each have added on 2 x £12 for late payment and the interest has now taken me over the credit limit hence the extra £12 ,talk about getting kicked when already down. I dont intend to send personal medical details to any old tom dick and harry !!!!!! thanks for any advice you can give TIM

Link to post
Share on other sites

Hi thanks for your advice, i am in the process of opening a basic bank account with the coop . There is no ppi to be had unfortunately but i have done a budget but cant see anything really to cut back on, all my bills have increased except my wages !!!!!! Whats your personal opinion on a DRO ? thes debts are only a year old and i have only just been able to hang onto my working tax credits since it all changed in april and they will now take an average on my weekly hours ! my main bank is hsbc who i have an overdraft with . any help would be great TIM

Link to post
Share on other sites

  • 1 month later...
not entitled to know ANY of your pers medical details

neither

are they entitled to a budet sheet either..

dx

 

Hi, just came across this thread and am having similar health problems and it's so difficult to fight back when you are feeling so low.

 

DX - why do you say that they are not entitled to a budget sheet? I was advised via CCS that this should be completed and sent as evidence of your inability to pay - you may know something different?

 

Tim - you might find it useful to search the web for "Debt & Mental Health Good Practice" (I am unable to add links yet). You will find a few sites including MALG and links to Royal college of Psychiatrists who have done loads of studies and set out a code of good practice for people with mental health issues including depression. Also on HMRC website look up DMBM585185 - It's a document regarding "considering the defaulter with mental health issues", contains some very useful information, along with Financial Ombudsman Service website which, again, sets out good practice for financial companies.

 

Like you, I have a card with Halifax and they are the worst, rude, unsympathetic and despite having no disposable income they have tried to bully me into borrowing to make payments to them - it makes you feel so much worse.

 

I completed and printed off the CCS budget sheet (with the CCS logo) and explained that I have received advice from CCS and gone on to explain my situation along with the fact that I am on medication for my depression. I offered my £1 per month payment as advised and enclosed a cheque, (also set up a DD) and finished off with a final paragraph:

 

I have been a loyal customer and have always kept up repayments until these unfortunate circumstances I now find myself in. So I ask that you please consider reducing or stopping interest or any other charges on my account to help me during my financial and unfortunate health difficulties. (Under the Debt & Mental Health Good Practice, I would be happy to complete Mental Health Evidence Forms for your verification as indicated may be required on Financial Ombudsman Service and MALG websites).

I have to say, they have all been really good except Halifax. The best thing you can do is be honest with them, tell them that you will only deal with them in writing (which gives you breathing space - but do reply), and ensure that you tell them you are suffering with depression - this is important as once you disclose this, they have to work within certain good practice guidelines. Do NOT give them any web log in or reference numbers (if you do the budget planner on CCS, they give you a number so that you can return to your details.

 

Hope this helps! Best wishes

Link to post
Share on other sites

Hi thanks for your advice, i am in the process of opening a basic bank account with the coop . There is no ppi to be had unfortunately but i have done a budget but cant see anything really to cut back on, all my bills have increased except my wages !!!!!! Whats your personal opinion on a DRO ? thes debts are only a year old and i have only just been able to hang onto my working tax credits since it all changed in april and they will now take an average on my weekly hours ! my main bank is hsbc who i have an overdraft with . any help would be great TIM

 

The total debts you listed in this and previous posts differs. However, either way, if I were in your situation I would definitely go for a DRO. It provides a sharp, clean break and allows you to concentrate on the more impt matter - your mental health. Unfortunately most of the published info from 'expert' organisations tends to treat mental health issues from a medical model perspective. You may find more appropriate support from a local Users' Group (you don't need to be a hospital patient, just have mental health issues to join). But m.h. will not be resolved with the debts still hanging over you. Once you've obtained the DRO, you may find everything else falls into place and the world makes sense again. I'm well aware of the effects of bereavement and other forms of shock on one's ability to cope with harassment from merciless creditors and DCAs, so you have my sympathy. I only wish I fell within the threshold to apply for a DRO. I wish you the best of luck. Pls let us know how you get on.

Oleg

Link to post
Share on other sites

  • 1 month later...

Hi ,

thanks for your message and i am sorry that i have not replied sooner.

 

I thought i would give you an update and ask for further advice if you are able to help !

 

I have reached an agreement with R B S CREDIT CARD ,

just under £30 a month and they have stopped interest and late charges etc,

 

they say that they will review my situation in 6 months,

 

i originally offered them £10 a month which they rejected.

 

have now returned to work ,although i am still dealing with depression

,but the HALIFAX c/c have again given me a default and passed the whole debt £2300 to debt collector in manchester

and i have been paying them £10 a month for the last 2 months.

 

Can i ask why they would do this ,

does this mean they have no CCA to enforce .

any help or advice you could give would be great .

 

Tim.

Link to post
Share on other sites

sold it or them just collecting.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi thanks for your reply, i have recieved a letter from a debt collectors called BLAIR, OLIVER and SCOTT

who says that there client has instructed them (HALIFAX) to collect the full outstanding balance £2300 as soon as possible. when i first got behind with payments i sent a budget to the halifax (recorded delivery) and i have proof that they got it , offering £10 a month till i got back to work after being on statuary sick pay for 3 months and they didnt even reply. I recieved a default notice so i rang them and they told me just to pay £10 a month which is what i have kept up with.

what i would like to know if you can help, are the above debt collectors owned by the Halifax or would you say that they have just sold on to these clowns, i have done some digging online but cant seem to get any answers , can they pass this on while i am paying the halifax? or is it just lack of communication in the bank?

any advice or help would be appreciated Tim.

Link to post
Share on other sites

halifax and bank of scotland

 

 

hbos

 

bos = blair olly snot

 

same lot

 

ignore

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 years later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...