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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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      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.
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Halifax Loan & intrum - now Link - now Statute Barred


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  • 1 month later...

update:

I just received a letter saying the new company name is Intrum.

Letter came from their legal dept.

 

I've sent no payments and haven't sent in a cis sheet either. Charges would be over £200, totalling over £600 in ci - but still a lot less than outstanding interest accrued outstanding balance they were (are) claiming.... (6k+)

Their last letter said they were waiting for the DN from the original credtor - which 3 months later they still have not sent.

Should I just continue to sit on my hands to see what they produce?

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You mean intrium justika?

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... 

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No

They say 1stcred has changed name to Intrum.

Or is that the same as you just said?

 

I just checked intrum website.

The swedish company intrum justitia has a uk office in reigate, surrey, called Intrum - which is the same address as 1st credit.

So I guess 1st cred just got bought out?

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Really I'll have to go check credit today later

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... 

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A quick deeper search shows IJ completed the purchase of 1stcred 1 year ago. It has obv taken a further year to change the name.

I have no knowledge of IJ at all.

Any idea if this will make any difference to the fact I am still waiting on the original creditor to send the DN?

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None IMHO

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... 

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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

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  • 1 year later...

Thanks Andy

 

I just received a sols letter from the same group that did the same 3y ago - a PAP with lots of attached sheets to fill in for the courts and i&e.

 

I haven't made any payments in almost 3y - but I have received several requests for payment and offers of discounted f&f - to which I never replied.

 

I can't scan any details until tomorrow (if required).

In the meantime - I can confirm that they have only sent a sheet which shows payments to 1stcred (intrum now) since they bought the debt.  They don't show any other details about the debt from beforehand.

 

The letter does say:

'if you require a written copy of the agreement our client will request it form the original creditor'...

'if you have made an offer of payment this letter is sent because our client does not consider the offer to be reasonable'

'if our client has received instalments the letter is sent cos you failed to keep up with  your arrangement'

'our client confirms that no charges or interest have been added since the date of assignment, although court costs will be added "if we are required to commence court proceedings" '...

They continue to ask me 'to call them to avoid proceedings and judgment and to discuss payment options'....

they want me to fill in 'their enclosed statement of my financial situ sotheir client can fully consider my offer in accordance with my circumstances'.....

 

Is all the above, just regular threat-o-gram?   Is it the same as I have read elsewhere that I need to reply differently using the cag response, not theirs?   It has been such along time that I have forgotten what I have previously done....

 

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its a letter of claim isn't it (the title) 

so post 2 here

 

 

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... 

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why is it a nonsense letter:noidea:..its a letter of claim.

 

 

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... 

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  • 2 weeks later...

I am just trying to get on top of this issue.

I've had a Sols letter, PAP, and am trying to sort out my response within the 30 days.   (Letter dated 13th)

 

I have checked previous communication from the dca/ debt purchaser (intrum)

The last letter they sent me end 2019 stated:

"Unfortunately, further to your request for a default notice, the original creditor is unable to provide this due to the age of the default.  However, we would  inform you that as the Loan Term has expired there in requirement to provide you with the same.

In light of the above and the enclosed invite you to put forward an affordable offer of repayment"

 

It is really badly written.  Not quite sure what they mean by 'Loan Term has  expired there in requirement to provide...' ??

 

Just as a reminder because this thread is years old - It was a consolidation loan with repayment schedule over 7y, starting in 2003.

Paid for 5y+ as requested (til end 08).

The DCA stated they have previously provided:

- a signed agreement and

- statements demonstrating how the debt accrued.

The statement pages they have previously provided show monthly payments made as should/ then nominal amounts - til mid 2017. Nothing since.  Apx £6.5 outstanding

 

Is it important that they have not got the DN ?

 

Should I resend CCA request to these Sols?  Or again to the dca/purchaser?

And fill out (site) PAP - ticking D & I  - and send this to the Sols too??

 

What do I put in D, dispute because...???

What do I put in I, also require?? (if the dca had already sent some things...)

Edited by HP Mum
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  • dx100uk changed the title to Intrum and Halifax Loan

for debt covered by the consumer credit act:

 

send a cca request along with the completed form: (last one was 2017)

 

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!!

DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 

box D tick

 

I dispute this debt because.. the debt purchaser has yet to provide any or all of the required compliant documentation.

 

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

 

I also require you to supply the following..

 

A copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.

Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

Details of all contractual interest added by whom and on what date.

List of ALL Payments made toward the Agreement

 

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

staple the £1  PO to the CCA request and send it to the debt purchaser

return the completed PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter

1st class mail will do. recorded is a waste of money

 

reply form PAP.pdf 312.93 kB · 155 downloads

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... 

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how long have you been on CAG?...

 

without a valid dn enforcement is not possible sec 87/88 cca

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... 

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  • 4 months later...

Update

 

Never had a reply to the cca request sent start March

 

Received 2 letters in last 2 weeks from Intrum:

1) a legal dept letter - offering 30% discount off balance

2) an annual statement - showing no transactions!

 

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  • 3 months later...

They don't seem to be letting this go

I received a letter from Intrum again in August.   I ignored as they had never sent me the DN.   

However, I just checked my credit file - and it shows a "search" by Intrum (debt collection) in September.

 

They know they haven't complied.  I filled in the forms I should in Feb.   So why are they doing credit searches?

Should I reply - reminding them they never sent a DN and to go away until they do?

 

Edited by HP Mum
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Never start pointless letter tennis with a dca.

 

dx

  • Like 1

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... 

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