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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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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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

Toothfairy In Administration


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Guys... As of 9am this morning... Toothfairy Finance was declared to be in Administration.

 

This is the whole CIMS Technology umbrella which marks great news for the PDL industry.

 

Later today I will post up the article, however for those impatient ones it is in Credit Today.

 

Edit;

 

http://www.credittoday.co.uk/article/16370/online-news/payday-lender-in-administration

 

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What a nice Christmas present.

 

Unfortunately, they will pass on their debt book to Northern debt Recovery (probably) as they spun off from Toothfairy earlier this year.

 

It certainly answers the question on this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406541-Toothfairy-finally-done&p=4373475&viewfull=1#post4373475

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£100 says given them a few months and theyll be back under a completely different name. Larholt was applying for another credit licence before this new guy got involved with toothfairy.

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..

 

 

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Ahh, what a shame and just before Christmas too, perhaps we should have a whip round for them :lol:

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

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Earlier this year (I believe) Northern debt Recovery and Marshall Hoare split from WebLoans Processing and set up as separate companies, each with their own CCA licence so they are still around.

 

Marshall Hoare also have a trading name of North Debt Recovery Ltd which should not be confused with Northern Debt Recovery.

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Guys... As of 9am this morning... Toothfairy Finance was declared to be in Administration.

 

This is the whole CIMS Technology umbrella which marks great news for the PDL industry.

 

Later today I will post up the article, however for those impatient ones it is in Credit Today.

 

Edit;

 

http://www.credittoday.co.uk/article/16370/online-news/payday-lender-in-administration

 

This is all a trick to move to a new hiding place by Per Gullestrup. I am waiting for the new company to start calling me again

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First, they arent a debt buyer. 2nd, they cant add interest as the original contract was terminated, and any interest added on after COULD be seen as unlawful and profiteering.

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

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Seems like mhb have taken over the debts my other half is still getting emails saying they have the legal right to collect and they keep adding interest an threaten to turn up on the doorstep unannounced

 

This is probably an automated email. The Gullestrup family took our loans somewhere else. Toothfairy does not pickup the phone, can't pay them. Nice christmas present. Just waiting for Per Gullestrup to show up again.

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Got an email from Loads of Dosh Limited (who are currently in process of changing their name to DHR Capital Limited) claiming they have been assigned all debts from Webloans Processing Limited, what I find rather interesting about it is the following detail which doesn't really add up:

 

Webloans Processing Limited is in administration.

Webloans Processing Limited sells debt to Loads / DHR.

DHR sends out notice of assignment for debt.

DHR claims payments should be made into the Bank account we already pay to which would be the one of Webloans Processing Limited.

 

Now obviously that immediately sets off every single alarm bell simultaneously....

 

The lovely pictures from the email:

 

[ATTACH=CONFIG]48263[/ATTACH]

 

[ATTACH=CONFIG]48262[/ATTACH]

 

So it looks like round 2 is about to begin, can't wait to teach those who where foolish enough to buy debt from toothfairy just how hard they will crash and burn:mad2:

Edited by Nao
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Was just having a read of this thread my speed credit debt was passed over to web loans processing when they got shut down, I have a repayment plan with web loans processing now they've went into administration will my repayment plan still stand with who ever then claims to own the account?

As I fought them down to the amount I actually owed and at a repayment I could afford, I'd hate to think.it gets passed around again and all daft charges get added back on

Edited by tinkerbell_2k12
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hi guys 1st time posting but figured you would all want to know this, have a debt through toothfairy which was being delt with by marshall hoares who we all know is 1 in the same, am with a debt management company dealing with all my debts inc this 1 recieved a letter from them today saying marshal hoares has told us they are no longer dealing with your debt please contact them and find out the name of the new creditor i need to make payments to, having already read this thread b4 ringing them was quite supprised to get through on the original phone number for mhb and speak to someone who said they were just changing name to blackwater uk and all payments should continue to be made to same address acc no but with the only change being "blackwater uk" as the new company. so sound like just another dodgy spin off of the same sharks,

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DHR Capital ltd??!?! Well at least its not called Toothfairy anymore eh?! :lol:

 

Anyhow, needs to be reported to the OFT... Wonder if they have the same CCL Number ^__^

 

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Was just having a read of this thread my speed credit debt was passed over to web loans processing when they got shut down, I have a repayment plan with web loans processing now they've went into administration will my repayment plan still stand with who ever then claims to own the account?

As I fought them down to the amount I actually owed and at a repayment I could afford, I'd hate to think.it gets passed around again and all daft charges get added back on

 

Shoever takes over the accounts must honour the arrangement you have in place already.

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Just had a thought, for those that have defaulted loans, does that mean that they will replace the Credit file entry under the new name?

 

I get the strangest feeling that might happen.

 

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Wouldnt matter if they did. As long as the dates were kept the same.

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

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  • 2 weeks later...

An up date for you all

 

Loads of Dosh are the new owner but see how much they have paid for the loan book so when they come a chasing, offer something silly and see what they say.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414289-Toothfairy-More-Corrupt-Then-First-Thought&p=4437525&viewfull=1#post4437525

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