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

Help........!! Sigma claim form - and another M&S charge card converted to a CC.


Abby25
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3786 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 all,

 

Claim form recd today from a solicitors today, on behalf of the asignee

- they are requesting payment of not the whole amount of the disputed account, (but to save me higher fees, as they have explained to me !),

 

they are only asking under the County Court Claim form, for interest of 8% on the debt since its purchased.

 

I have refused, and reiterated my dispute ... but wondered heard anything like this before ?

 

What does this imply ?

 

As I think they know its bogus,

 

hoping I'll pay the reduced amount, and therefore admit liability,

 

they tried to get me to do over the phone ..u

 

A

Edited by Abby25
had to input manual para splitters
Link to post
Share on other sites

  • Replies 100
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi B,

 

No its not BC .... what does splitting the claim mean ... this is my first venture into court forms ... and whilst I think I know, I just want to make sure,

 

Abs x

Link to post
Share on other sites

By the way, they have agreed to have the claim "stayed" until they can investigate my dispute with the OC further ... do I need to do anything with these papers in the meantime ? ,

 

Or just keep them in case they decide they want to take a punt on the interest requested ?,

 

Abs

Link to post
Share on other sites

No I know it's not him, but this is his MO, he used to go to court and obtain a ccj on one part of the claim, then the next thing you knew he was taking you back to court to obtain another ccj for the other part of the claim....at least that was how I understood it, either way I know if you informed the DJ of this it was frowned upon and BC rarely won.

 

Court forms are out of my depth sorry....

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!

 

 

Link to post
Share on other sites

Anyone on the forum who can give a bit of advice on them BB ? I just need to know whether to lodge my defence on line, just in case they don't stay them, or accept that they will not be pursing whilst they "review" the matter ... which they said may involve "selling it back to the OC" .... !!! I did giggle at that !!

Link to post
Share on other sites

Who is the OC and who is taking you to court over what?

 

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

H there,

 

The OC is MS (store to credit card) - sold to Sigma with HL Sols - seeking interest claim from date of purchase.

 

Have agreed to stay the claim (nhampton court bulk, I am in nwest, until they have spoken to OC, and looked at the docs, inc docs I am going to send them illustrating the dispute. Upon which they will decide to pursue or refer back to the OC.

 

I know they have no where to go with this, the cca for the ccard, was actually for the original storecard, notwithstanding the fact that even if that were permissible, the CCA for the store card is an application form, with no prescribed terms within its execution. This was argued with MS who initially argued they could be located within the t&cs (totally sep doc), then eventually just stopped responding when challenged on the various points they cited, inc the fact that they claim the OFT were perfectly happy for them to send out unsolicited CCards, with just a modifying t&cs.

 

But don't want to end up with a CCJ for these costs by not formally lodging a defence, just in case they don't/forget to stay the claim

 

Abs

Edited by Abby25
Link to post
Share on other sites

so this was a store card upgraded to a credit card?

 

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

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

Yep .. already know about this, and this has already been argued with MS (even before the above court case). But they still sold it to Sigma - and HL have still sent the claim form.

 

Now i've told HL about this and as I say they have agreed to stay .. but in the meantime my question is should I still respond to the court claim papers or what ?

 

Abs

Link to post
Share on other sites

IMHO yes

 

never believe anything a fake/tame dca solicitor says

you could call the court too on monday and check if a stay HAS been registered though i think....

 

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

Thanks DX ... I'm pretty good on the enforceability of CCAs, and try to help others where I can ... but this is my very first episode with court papers ... and I really value your help.

 

So you would suggest doing the online procedure, and calling the court to ascertain if a stay has been submitted by HL ?

 

Or, complete them longhand, inc all my defence docs and send that into the court ? Also calling to see the stay has been submitted by HL (or do you submit your defence on line too ?).

 

Sorry, I am a complete novice at this ... so would welcome your guidance.

 

Abs x

Link to post
Share on other sites

TBH i've as much idea as you

legal is not my game

 

you dont need to do both written & online.

 

i dont think there is any real rush to put in your defense yet is there?

 

hold on that

 

but i'd call the court on monday and MAKE sure a stay HAS been notifed t the court.

 

its not been unknown for them to pull this staying stunt before

to get judgement by default.

 

be careful!!

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

Oh .. the buggers !!

 

I have just read the docs PROPERLY - and I can acknowledge on line, and then have 28 days (I think) to submit a formal defence (by which time it should be stayed, and withdrawn by them, once they see the cut of my jib !! LOL

 

Will keep you up to date on this ... with thanks again ...

 

Abs x

Link to post
Share on other sites

Ok, acknowledged on line today, which is well within svc time as dated - this gives me 28 days to submit a defence, by which time they should have stayed, have my letter detailing the dispute issues and why the account is unenforceable - which hopefully will lead to a withdrawal of their claim.

Link to post
Share on other sites

I didn't contest jurisdiction of the court - as I read that means that you don't believe the court has authority to deal, and is not related to where any hearing will be held, which I believe will be the nearest court to me ?

 

Did I do the right thing (which hopefully will be academic once they see the basis of the dispute - non-compliant store card agreement (which is actually an application form), provided as a CCA in respect of the credit card it was changed to (unsolicited).

 

The OCs original defence, when challenged on this, was to say that a set of modified t&cs were issued with the card, and that therefore means that the signed CCA for the original store card (as I say no pres terms in that doc in any event), stands for the credit card too (the modified t&cs showing all the changes).

 

What a LOAD of old carp !! Anyways, as I say they were told this, and then the account was sold on .............. and we now of course have the recent court case to throw into the mix. I also have a very defective DN to boot !!!

 

Abs

Edited by Abby25
Link to post
Share on other sites

Hi Abby very interesting thread- I'm one of quite a few others it sounds like in the same boat on this one.

 

I'm wondering what tack to take on this one...communicating directly to the dca seems sensible as they will no doubt stay once they realise they are going to be contested on this one. In fact I strongly suspect all Sigma have on the vast majority of people recieving these claim forms is nothing more than an account number and an address- and after the debacle earlier in the year, apparently they couldn't even get the last bit of that right.

 

My only reservation about communicating with Sigma outside of court procedure now, is the risk messing up the SB clock. I know you put on the 'I do not acknowledge any debt etc' but I've always believed total silent running is the best approach in most cases :-) Would reminding the dca that the account is in dispute be construed as an acknowledgement of it? I dunno. Probably not. Any views from you peeps would be useful though :)

Link to post
Share on other sites

Hi ...... If they aren't contacting you, let sleeping dogs lie .... and the SB clock keep ticking. (but to answer your Q - yes, as long as your correspondence contains the heading that you do no acknowledge the SB clock is safe).

Link to post
Share on other sites

  • 2 weeks later...

Claim for a partial claim of interest (£299.99) since assignement to Sigma SPV (HL Legal are dealing) !!

 

Issued Northampton Bulk, on 10 July 2012, recd Friday 13 July (don't say it !!!), acknowledged on 14 July 2012. I actually rang them on 13 July 2012, and spoke to a manger, advised him what the dispute status of the alleged account was, etc.

 

He advised that he was going to get the claim stayed until they could review the docs (after trying to get me to admit the debt !) - following which they may sell it back to the OC !

 

Now this is where I thnk I may have made a boo boo .... I (to be extra helpful and a bit of a know all I suspect !!), have just yesterday sent a copy of the agreement provided to me by Marks (which was for a store card, then converted to a credit card) - to show how carp it was. And also a copy of my original letter to them following their pay up, we know of no dispute standard letter, saying it was not acknowledged and disputed, and the basis of dispute. With a covering letter FAO the manager, stating that upon the enclosed docs, and proof being provided of an unenforceable debt, any further pursuance would be cited as frivilious and vexatious and robustly defended, to which I demanded that their claim be immediately withdrawn. Any issues with what I have done .... have a thrown a clanger ..... I provided what I expect M&S would provide them with, whom they stated they were to contact for a copy file of the account and dispute ......

 

Which discusses the fact that a CC store app (with no presc terms), can not be utilisised for an unsoliicted CCard - furthermore to rely upon the storecard CCA and alleged revised T&Cs, which I DID NOT receive, in place of a new CCA, is very bogus as per Reg 7 of CCA84 modifying agreements, which demands a new CCA and T&Cs be issued under a modified agreement (but I haven't mentioned I also have a VERY duff DN to boot !).

 

Anyhoo, I have acknowledged on line and also phoned the court. They have told me that there is a 2 week backlog on correspondence, so the stay rerquest may not be processed until 1st week in Aug. I have until 13 August to submit a defence.

 

Do I also need to issue the CPR (is it 13 ?), or do I just submit my defence if not stayed by beg of August ?

 

Also, has anyone a template store card to credit card, duff DN, defence I could borrow ..... as this is my first court adventure, and a little un-nerving when you don't know the protocal etc ... so ALL comments and guidance very welcome ... !

 

Abs x

Edited by Abby25
Link to post
Share on other sites

If its best practice to issue CPR - is this correct ... ??

 

Dear Sirs

 

Re: Sigma SPV 1 Limited v xxxxxxxx: xxxxxxxxx

 

CPR 31.14 Request

 

On 13 July 2012 I received the Claim Form in this case issued by you out of the Northampton County Court .

 

I confirm having returned my acknowledgement of service to the court, in which I indicate my intention to fully contest all of your claim.

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of:-

 

CCA regulated agreement pertaining to Sxxxxxxxxxxxxx

 

You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the originals should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

Notice of assignment

 

Default notice

 

Termination notice

 

You should ensure compliance with your CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case.

 

You must take immediate steps to recover and preserve it for the purpose of this case.

 

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any versions to include an obligation to recover and preserve such versions which are now in the possession of a third party.

 

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

 

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this action will not be necessary however, and look forward to your earliest response.

 

Yours faithfully

 

Abs x

Edited by Abby25
Link to post
Share on other sites

Abby25 I have started your own thread as not to complicate Cosalts.You can still subscribe to that thread to follow the advice given.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hey Thanks Andy !

 

I do have my own M&S thread, where I published this, but I was told that it would be best to have it looked the legal thread ..... didn't mean hijack (know its very annoying to the OP when that happens). I will trundle over to my new thread on this.

 

Abs xx

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...