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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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American Express Corporate Card


chimp123
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Hi all,

 

I have a corporate card through a very large organisation and I am leaving the company next week to start a new role.

 

 

I have never missed a payment but the past month I have ran up a £2000 bill roughly.

 

 

Stupid I know and I haven't missed a payment or anything.

 

 

My question is.....

 

My american express doesn't show on my credit file at all.

I can not pay the full £2000 off in one go like you have to every month.

If I didn't pay the bill my understanding and

this maybe naive is that the company I used to work for has to pay it?

 

If I did not pay it how could it effect my credit report?

I am thinking it won't because it doesn't even show.

 

If I don't pay the amount I will get a few nasty letters I presume.

 

My point is if I don't pay the £2000 nothing will really happen?

 

Am i being stupid, probably am.

 

If I didnt pay what is worse case? As long as it doesn't affect my credit report I am not really that bothered.

 

Thanks for help

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Not sure they will notice in time before I get paid but I did think that. I believe its happened to someone else for a much larger some but they weren't allowed to deduct the wages?! It is my own fault but only thing I am worried about is my credit file because I am just starting to repair it and can't see how it will effect my credit report if it's not even on there?

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Thanks for the reply. That would be fine because they I can pay them monthly and it doesn't affect my credit rating. It's a massive company that earns millions per quarter so I reckon they will do that. Suppose I won't know until it happens

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Hey all been doing some research and

 

 

because I work for a large company I believe (could be wrong) but my instincts tell me that the debt will fall on the company

and not my credit report.

 

 

Because the application didnt involve checking my credit score etc hence why i got one in the first place.

 

 

Anyone had any experience or got anything else on the part about affecting credit score im pretty sure I am right

 

 

but anyone with experience of this please give me a shout

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  • 5 months later...

Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Express for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday. They are stating failure to respond may lead to legal proceedings. I have received debt letters before from the like of lowell chasing things from years ago and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others. I owed around £3000 on a charge card I can with an old company. The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

Should I ignore Ashmore's?

Anyone dealt with them before?

Should I reply?

 

At present I don't have a default or anything for this debt as it was a charge card.

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

But because it a charge card I am unsure if this will effect my credit or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

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Hi all

 

I have today received a letter from Ashmore credit solutions on behalf of American Expressicon for collection of money owed.

 

At the moment its the first letter I have received and they have been calling me once everyday.

 

 

They are stating failure to respond may lead to legal proceedings.

 

 

I have received debt letters before from the like of lowell chasing things from years ago

and I just ignore them as I know they won't do anything and the debt with them is statue barred.

 

But this letter from Ashmore seems very profession and different to others.

 

 

I owed around £3000 on a charge card I can with an old company.

 

 

The card had my name and the companys on so I thought they were liable but I am prob wrong and its my that is.

 

My questions is what should I do next?

 

 

Should I ignore Ashmore's?

 

 

Anyone dealt with them before?

 

 

Should I reply?

 

 

At present I don't have a default or anything for this debt as it was a charge card.

 

 

I don't want it getting to court and getting a ccj because I am just getting clear of debt.

 

 

But because it a charge card I am unsure if this will effect my credit

or will ashmore credit solutions take it further.

 

Any help would be appreciated.

 

Thanks all

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3 threads on same debt merged

please keep to one thread

 

 

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... 

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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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Do you think I should ask for a cca? Or a Sar? Or should I sit tight for now? Not sure what to do a little worried now

Got another letter today saying they haven't heard from me and that if I am unable to settle account they maybe willing to set up a short settlement or instalments? Should I ignore seems desperate saying settlement already or they just trying to get my to reply?

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so a discount letter

 

 

must be needing monies for the xmas drinkies party.

 

 

pers I'd let it run.

 

 

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... 

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Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

I don't suffer from insanity, I enjoy every single minute of it!!

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  • 2 months later...
thanks I'll let it run for now.

Got another letter today. Pretty much demanding payment by 4pm on 4th March or legal proceeding will begin. Anyone dealt with brachers llp in the past? Can't find much on them in terms of cases? Should I sit tight or request proof of anything? Thanks

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Could I just ask, why wouldn't you pay the money you owed though?

 

As back in May this year, you admitted you ran up around £2000 on the card.

 

Did your Company at any point ask you for the money to settle your bill, after you left?

 

Could you not make contact with them & make an arrangement to settle this once & for all?

 

As me personally, I can't see why your Company should swallow the money that you admit to spending in your last month.

 

It just don't sit right with me...

hello it is a very fair question and if it wasn't a massive organisation I would pay the money back. The company has never asked for the money back just Amex. Because it was a corporate card my thinking is the company have to pay it. They are worth billions so 2k to them is nothing. Does it make it right what I have done. No of course it doesn't.
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will are you sure it says that

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... 

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will are you sure it says that

dx

 

 

sorry not sure what you mean?

 

 

If you mean the letter.

 

 

It says please pay by 4th March or our clients have asked us to take legal action.

 

 

It could be just a threat letter?

 

 

Never dealt with Brachers LLP before.

 

 

If it was Lowell I wouldn't care less but these seem a little more professional?

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have asked...

 

 

doesn't say will anywhere then

 

 

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... 

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They are worth billions so 2k to them is nothing.

 

 

There have been a lot of huge companies gone bust making thousands unemployed. Never judge a companies size with how well it's doing or what money it has in the bank.

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Ok, is this money you spent on yourself? Or is it stuff you have paid for for work? If its work, submit the receipts and its done. If its your spending, then pay up. You would have signed the card agreement.

I cant believe you think that just because its a big company, they should pay your bill for you. Can you imagine if someone in government did the same? We would rip them to pieces.

I'm sorry but this appears to be a case of trying to wiggle out of a legitimate bill.

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  • 4 weeks later...

Hello the company is worth billions and still making billions! Sky! Anyway you are right doesn't make it right. Should of been clear it's not a legitimate bill because it was a charge card that they supplied me and they were responsible for. I never signed anything to say I am responsible or yes correct I would have to pay the money. I have today recieved Northampton county court business centre. I've not recieved a default notice but do I on a charge card? The reasons for claiming are poor? Which I will post up so. I haven't replied to Brachers llp or done anything yet. Any help would greatly be appreciated on what to do next or how to reply? Thanks

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This is very unclear to me, especially when you say "it's not a legitimate bill".

 

It's quite simple really: is your spending on this card for items or services purchased on behalf of your former employer, or was it personal spending? If the latter, what possible excuse could you have for not paying off your debt?

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