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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
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    • 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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Letter of claim received BW Legal HSBC loan


Wic76
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Good Afternoon,

 

Looking for some advice; got a letter of claim for a loan I took out with HSBC around 5 years ago?

 

I was made redundant at the time and couldn't keep up with the repayments,

when I tried to claim on my PPI for the payments, they said I didn't have any even though they were charging me for it.

 

 

So I stopped paying them, and they kept switching the debt around from collector to collector,

until they got to Lowell and then now BW Legal.

 

I hope someone can give me some info on how to respond!

 

In order for us to help you we require the following information:-

 

? Lowell

 

. Received today.

 

 

 

. HSBC, for a loan that I couldn't afford to repay once I was made redundant and they refused to honour their payment protection on at the time.

 

£3001.14

 

or after 2007? After.

 

 

Why did you cease payments? approx 2010

 

Was there a dispute with the original creditor that remains unresolved? Yes, they would not honour PPI even though they were charging for it each month prior to my redundancy.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan?

Yes, although as I was unemployed I advised I could not pay at all, which is why I wanted to use my insurance.

Edited by Wic76
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So this is not from the court ? It is a letter from BW Legal warning that they will issue a court claim ?

 

Edit your first post, as claimant will be Lowell and not your name.

 

Send a CCA request letter to Lowell, with a copy of the letter copied to BW Legal. If you click on CCA request, there is a link for the letter.

We could do with some help from you.

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You should get all statements of account from HSBC, as well as all other documents, by sending HSBC a Data Protection Subject Access Request. The information may help with any court claim and in claiming back any PPI payments you made. The request can be sent to HSBC head office, with any references or your name, date of birth and address at the time, plus what account the request relates to.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Send cca request to Lowell and a letter (formal complaint)putting the ac into dispute due to the ppi

Once you receive the SAR response get a formal complaint into HSBC to reclaim the misold ppi

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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You could also send a copy of your cca request (minus payment )and formal complaint to BW, just so there is no misunderstanding saying this is what you have forwarded to Lowell

 

just to stop them in their tracks

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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I've drafted a letter to sent to Lowell (based on the links provided) - would this be ok?

 

 

"Dear Sir or Madam

Re:− The attached correspondence (Willis Hall v. Lowell)

 

 

Please note for your records that the I dispute the debt in question

– I held a PPI policy with HSBC relevant to the same, that was not honoured once I was made redundant.

 

 

The failure of the PPI policy to respond is why the debt in question is now allegedly in default.

 

 

This letter also acts as a formal request pursuant etc etc.

 

 

I look forward to hearing from you. Yours faithfully"

 

 

And I'm going to send the other request to HSBC next week for the potential PPI claim.

 

 

I mean, is there any chance I could ask them to call it quits?

(I won't pursue PPI if they don't pursue the alleged debt?)

 

 

Also, am I breaking any chance of it becoming statute barred by responding now?

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template letter removed, as for members only

 

the letter from bw was a letter before action, if they were to issue a claim it would stop the sb clock on issue

so you need to judge whether you think they will persue their threat or not

 

if you send your letter to lowell, head it Formal Complaint and expand it a little

enclose the cca request as a seperate letter

if you think they will issue a claim, imo I would stop them in their tracks and reclaim the ppi

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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Hi, Thanks for modifying my post; was just logging on to clean it up, as it copied across from word weirdly! I'll use the template for the document request and send the complaint separately then; hopefully that will put them off. I'll let you know how I get on, and thanks for all your help so far!

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  • 1 year later...

Hi, I sent the above to BW Legal back at the time and they went away until recently!

 

I received the following back then :-

 

"Good afternoon,

 

We write with regard to the below email, the contents of which has been noted.

 

We thank you for your reply and your request for a copy of the agreement between you and HSBC.

 

Please note that we have attempted to contact you on the number provided in the below email but with no success.

 

We now hold only xxxx as a contact number for you as we can see that you have requested that we only contact that number. Apologies for any attempts that were made to your work number but when we were originally asked to remove the landline number, there was no security passed. Without passing security we are unable to amend any details as there is no confirmation it was yourself making the request. As per the Data Protection Act, security questions need to be answered on every call.

 

We have requested from our client a copy of the original agreement so that it can be sent to you as you have requested. As our client may need to contact the original creditor for these documents we are unable to guarantee a timescale for obtaining these but we will endeavour to obtain them as soon as possible.

 

With regard to your question concerning who to contact to make an insurance claim. Any insurance claim needs to be made by you with the insurance company you had the policy with.

 

Our case will be held and so no further action will be taken on this matter, while we obtain and provide the requested documentation.

 

If you have any questions regarding this matter, please feel free to contact our office on xxxx.

 

Kindest regards"

 

But no proof was ever sent.

 

Today I received:

 

"Dear Sir,

Our Client: Lowell Portfolio 1 Ltd

Our Reference: xxxx

Balance Due: £3001.14

Original Creditor: HSBC Bank Plc

Original Account Number: xxxxxxxx

We have been instructed by Lowell Portfolio 1 Ltd to commence Legal Action and issue a Claim against you in the County Court in respect of the above debt.

Legal Proceedings

If payment or a response is not received before 28 September 2017, we will issue a Claim against you in the County Court without further notice. Such legal action may result in you being liable for court fees, solicitors' costs and statutory interest which are estimated below.

Principal Debt £3001.14

Estimated Interest £1378.72

Estimated Court Fees £185.00

Estimated Solicitors' Costs £80.00

Estimated Total £4644.86

If payment or a response is not received following a County Court Claim, a County Court Judgment ("CCJ") may be entered against you. A CCJ will be recorded on your credit file for 6 years unless you pay the Judgment debt in full within a month of the CCJ being entered. A CCJ on your credit file may affect your ability to obtain future credit. If you fail to comply with the CCJ order we may apply to the County Court to take one of the following enforcement actions to recover this debt:

Warrant of Control: A County Court Bailiff visiting you at your home.

Attachment of Earnings: Your employer may be ordered to deduct payments from your wages.

Charging Order: To secure the amount outstanding under the Judgment against any property that you own.

Order to Attend Court For Questioning: You being ordered to attend court to disclose your financial circumstances.

What You Need TO Do Now

To avoid the need for Legal Action and the additional fees, costs and interest estimated above payment of £3001.14 is required before 28 September 2017.

Call us today on xxxxxx to discuss this matter with one of our helpful team. If you are unable to pay the sum of £3001.14 immediately, we can set up an affordable payment arrangement for you. If you dispute this debt, please tell us why so that we can help resolve this matter.

Email us today at xxxx and we can look to set up an affordable payment arrangement for you.

When contacting us by email please provide the following:

our reference "xxxxx" and

your full name; and

date of birth; and

address including postcode; and

contact number; and

how we can help; or

provide details of any questions/queries

We can also accept payment by a variety of methods which are specified in the attached document. Direct Debit and recurring card payment are the most popular choices as you only need to tell us your preferred date for payment and the payment will be taken automatically each month so you do not have to worry about it.

Yours faithfully,

BW Legal

bw legal"

 

So now I'm panicking a little. Is the debt statute barred, and can they proceed to court without further evidence of the debt?

 

I sent the following:

 

"I have yet to receive the proof referenced.

 

Furthermore, I do not admit liability for this debt, and I do not intend to make any further payments to it for the following reasons:

 

The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago

No payment has been made to this debt by me, any joint account-holder, or any third party acting as my agent for a period of more than six years

No written admission of liability for this debt has been made by me, or any third party acting as my agent for a period of more than six years

 

This debt is therefore statute barred and any court claim to recover it will be defended on this basis. If you have evidence that this debt isn’t statute barred, please send it to me within 21 days. Otherwise, please confirm in writing that you won’t pursue me further for this debt.

 

Kind Regards,

 

 

xxxxx"

 

Will that be enough or is further action required?

 

Sorry if I'm necroing this, just thought having all the info in one place would be best.

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