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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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Virgin media ruined my credit report and life


kaimoo86
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Hello

 

I was rebuilding my credit file, last time I posted I think it was regarding building my credit. Well I got a vanquis card with a £250 limit which was increased to £1000 after six months which was surprising.

 

Okay to the point, last October we moved house but unfortunately this area doesn't support virgin media. I informed virgin media I was moving and gave them my new address so that was okay they said they would be in touch to collect the equipment.

 

 

It appears that have billed me for septmeber despite being informed I had moved address, they never one wrote to me at my new address with a bill. Turns out they had billed me £110 which has now turned into a default, I contacted the chief executive office they said they'd investigate.

 

They eventually got back to me and informed me that they were unable to help and they refused to remove the default from my account even if I settled the balance, there is absolutely no way I wouldn't have paid £110 and run the risk of my credit file being ruined for 5 years.

 

We pleaded with them we said we will pay it rite now and it would have been paid if we had known about it, it was stressful enough moving house and we also had a one year old son at the time which made it even more difficult.

 

I'm kind of disgusted at the lack of help from virgin media, we started our own business in January we actually received £120,000 inheritance just after we moved. Now we can't even get a business bank account, we applied at barclays and was delcined so checked experience to find a default for £110. Virgin just said no we can't help and my only option is to pay it so it shows as settled but the default will remain.

 

I've printed off a form to an ombudsman I believe it's a separate one for virgin media complaints, I'm hoping they can do something I just can't believe virgin media were so unhelpful I'm sure Richard Branson would be disgusted by it also.

 

It's really upset me it's more annoying that if this was an area that could get virgin we would have got it and stayed a customer, thanks to virgin we won't get a mortgage we won't get mainstream credit if we need it. I pleaded with them saying because of £110 I won't get a mortgage even then they didn't care, the impact his is going to have on our lives is huge. We can't even keep our income separate it's currently going into a personal bank account which isn't professional asking people to pay into a personal account and it's going to cause problems with doing accounts and hmrc - of course virgin media didn't care and took to ignoring my emails.

 

I do think this is unfair and unjust, I haven't paid the default yet I'm thinking if i pay they'll never remove it so either way my credit is ruined for a few years.

 

I'm just so upset and stressed about it all, I don't know if the independent ombudsman is my only option since virgin media haven't been sympathetic despite knowing they have ruined us for five years and we can't buy a house for the sake of £110 we didnt even know we owed them

 

 

 

Please excuse any mistakes, just typed this on my phone and it kept freezing on me.

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Welcome to the Virgin media conned poor souls club!

Ombudsman?!?!

Forget about it!

Most likely they will rule in Branson's favour, but worth a punt just for the sake of it.

Your only option is to find a legal reason to take them to court and once you win publish the court report on as many sites as possible sending all the links to ceo.

Firstly you will need to send them an iar asking for all of your bills, communications and especially the telephone call transcript of when you cancelled their 'services' and gave them your new address.

Then you will need to dig deep into it and find out exactly where and when they conned you.

It seems like they enjoy ruining people's life.

"I'm sure Richard Branson would be disgusted by it"; not likely, he's too busy making billions to have any sort of sympathy for you and your ruined poor life.

Good luck, you will need lots of it!

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I really thought we were back on track to buy a house we even have the deposit and a steady income.

 

Virgin shouldn't be allowed to default people's accounts seeing as it's not a loan or credit.

 

I wasn't sure they'd have transcripts from my calls from nearly a year ago! What's an iar? Going to court sounds expensive, I've just finished reading that if I settled the default it might only effect me for two years.

 

I can kind of understand why they might be unwilling to help, I'm sure their are plenty of people who knowingly just avoid paying then give a similar story.

 

I thought a company had to inform you before they defaulted you, they never contacted us again. I'll ask them for the transcript of all conversations though

 

What's the point in an ombudsman if their likely to favour virgin media

 

So it's common practice for virgin media to do this to people? I don't know how they can legally bill me for September last year when I wasn't even living there and I had already called to cancel my contract.

 

Horrible people they are, we were paying them nearly £100 a month we always paid albeit sometimes a little late - that's why virgin weren't willing to help they made a big deal of it saying there was several times you paid us late I said yes well I was off work on maternity leave but I always paid each month and apologised for it being late but it was always paid.

 

I don't know what's wrong with these people and why they don't care about how big an impact this is going to have on us, despite having a deposit for a mortgage we are stuck renting paying off someone else's mortgage.

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You cancelled the contract and they still billed you (without sending a bill of course).

Unless there was a notice period applicable, then you can take them to court for that.

Just need the evidence.

Small claim court is not expensive and quite informal.

You can represent yourself and avoid legal expenses.

Again, plenty of info online.

But you need to gain evidence to win the case

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Thanks I'll get onto it, I'll email them a letter asking for it and if no reply I'll write to them.

 

I'll settle the default, no point refusing to pay it out of principle despite the fact I shouldn't owe them a penny.

 

By the sounds of it I'm screwed over either way, I won't ever use any of their services again unless it's a train or plane when there cheaper grrr I'm so mad I can't fully escape them

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When did you give them notice ?

 

Start of October so should have been no more than 30 days, they told me on the phone they billed me for September when I wasn't even living there

 

 

I'm not quite getting this. You gave notice in October. September comes before October so of course you were charged for September and the months notice 'October'.

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Sorry I'm trying to run after my son, I moved in October I have notice start of September.

 

We actually had the keys for our new place 3rd of September

 

I can get proof from our old letting agents when we moved and when we signed the lease for our new place. I'll get the exact dates and send that off to the ombudsman, they did forward our mail to use for a month so virgin didn't send any mail here or to our old address

 

I do know my months of the year, it's my birthday in two months. I have baby brain still

 

See two months, no my birthday is in two weeks time not two months I only just noticed that. It's my son's birthday in two months

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@kaimoo86.

 

I know this doesn't help with the situation regarding Virgin,

 

but, as far as a business bank account goes, all is not lost.

 

Go to another bank and ask for a 'business "clearing" account',

explain the situation regarding the default and that it is in dispute,

 

you need an account to pay into but do not, at present, require any credit facilities and

 

*most* banks will be willing to give you the business equivalent of a 'basic bank account' until you can clear the mess up with Virgin.

 

Although you might run into the situation of "computer says no", branch managers can (and do) override this if you explain the problem fully.

 

At least that would mean that you have a separate account for your business and a debit card (also in the company name) to make payments.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 3 years later...

VM did same to me ... informed the 2 main credit reference agencies that I was a non-payer WHILST DISPUTE WAS ONGOING WITH THEIR CHOICE OF ARBITRATOR. It meant I was 'blacklisted just as I went self -employed and I couldn't get credit even though I had 30 + years of unblemished record.

 

I took them to Small Claims Court and won (of course, they couldn't even be bothered to attend or contact the Court - Judge was not impressed) and finally the stain on my record was lifted. It was a long draining experience and I wish I had taken it further as they should not be able to abuse their 'power' in this way.

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