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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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    • 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. 
       

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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
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CITI/OPUS CARD Terms and Conditions Cabot chasing


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I've an ongoing saga with CABOT regarding an OPUS card which they say was my CITI card.

 

Shouldn't I have had some notification of some sort from CITI when this change occurred?

 

I've been waiting years for a CCA for my CITI card, but none has been forthcoming.

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Have you told them that the account is in serious dispute due to the failure to supply the CCA?

I do hope you've not been paying them anything?

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!

 

 

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Opus bought out a lot of the Citi portfolio 3-4 years ago and I know Opus did send out some notification that they had acquired the accounts, although I suspect that as in your case, not all of them reached the account holders.

 

If it is any help, I completely ignored Cabot after a single letter sent to them as I too had no response from Citi to a CCA request, and have heard nothing from them for a couple of years. I wouldn't be surprised if Opus only picked up the accounts which had problems with enforceability to start with. I would do as BB suggests and record the fact that the account is in dispute following a failure to comply with your CCA request.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Yes I told them several years ago as they'd passed it on to FIRE who are still CABOT I sent them a copy of my previous letter. I was just curious about OPUS as I'd never heard of them. I certainly won't be sending any money to CABOT or FIRE.

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  • 1 year later...

I've been holding off Cabot for about 5 years now.

 

 

They are claiming repayment of a Citi card debt, under the name of OPUS.

 

 

The latest letter includes a letter from OPUS.

it states that they do not need to include a signature box,

signature or date of signature in the copy agreements.

 

 

Cabot further state that I have received the card, PIN and susequent monthly statements.

 

 

I have never seen an OPUS CARD or PIN and have told Cabot this time and time again.

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You send the prove it letter and then you do NOT respond or play any letter tennis games until they provide concrete proof of their allegation.

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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Also, was this said in writing or over the phone. because over the phone they will say ANYTHING to get you to pay. If they put it in writing, then they just made a very big mistake.

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

:D

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It's all in writing, I've never had a conversation with either of the companies involved and they've been told several times to prove it.

 

Thanks,

 

 

I sent one years ago, but am about to send the updated one.

 

 

They also say that as I made a payment in 2010 to CITI,

 

 

that proves that the OPUS account is mine.

 

 

I'll wait for the next installment with bated breath (I don't think)

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The old fictitious payment ploy rears its head again. Put them to proof that the payment was made, and was made by you. Cabot are very well known for inventing payments. It's technically fraud but they seem to get away with it.

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

:D

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sent them a CCA request not the prove it letter

 

 

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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cca request under s78 to cabot,

 

when does the account date from? was it citi or associates originally?

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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It was originally Citi, I'd never heard of OPUS 'til Cabot wrote to me. I've sent the CCA letter to them years agoand all I've ever got back is T & Cs and now they say they don't need to include signatures according to a court ruling.

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How old is this now?

Before it reaches SB? What is on your credit file?

 

Do you have proof/evidence that you sent them a CCA request?

 

Can you scan & post up the latest begging letter their computer sent you|.?|

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!

 

 

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It was originally Citi, I'd never heard of OPUS 'til Cabot wrote to me. I've sent the CCA letter to them years agoand all I've ever got back is T & Cs and now they say they don't need to include signatures according to a court ruling.

 

 

 

only for compliance with your section 77/8 request

 

 

to enforce in court

they'll need your SIGNED agreement and theo riginal T&C's

for a citi card they don't stand a chance in hell

 

 

go read some citi threads in the forum you are in.

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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Theyre bluffing you. It's standard practice for this outfit. They don't have the paperwork but are too greedy to admit it. They will say everything else but the truth.

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

:D

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  • 5 months later...

I can't find my original posts on here so have begun again..

 

Still getting monthly letters from CITI,

plus phone calls.The latest letter is telling me they're reviewing the next steps available to them.

 

I.e.An alternative debt collection agency being instructed.

 

Instructing a solicitor to determine whether to take legal action

 

A field agent instructed to attend my home address.

 

I think they're getting desperate as this become Statute Barred at the beginnning of December.

 

Citi wrote to me in April 2020 tellling me my account was to be transferred to CCAM and would advise me when this accurred.

 

 

However I heard nothing from Citi 'til September 2010 when they terminated my agreement

and should cut up my card and dispose of it.

 

 

Enter Cabot some time later, asking for payment regarding an OPUS CARD.

 

 

I'd never heard of them, so informed them it was not my debt and invited them to prove it was mine.

 

 

February this year after much wrangling, they sent me the usual Terms and conditions from OPUS,

dated November 2010 saying it was a copy agreement and no signature was required

and that they would not be entering into any more correspondence re:The Agreement.

 

 

I received a further letter in March from Cabot, saying because I was resident at this address when the account was opened,

I would therefore have received the card, PINand subsequent monthly statements in order to use the card.

 

I've no idea what an OPUS card looks like and most certainly did NOT receive a card or anything else from OPUS.

 

What is my best next move please?

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until/unless they find the signed agreement

best you ignore everyone

 

 

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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