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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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So keeping a long story short I was declared bankrupt in April 2011 and discharged in October 2011. Part of the bankruptcy incorporated my Natwesticon bank account and loans.

 

Moving forward I was contacted by Natwest in 2014 regarding the mis-sellingicon of PPI and eventually they awarded me money as a compensation settlement. As I had been declared bankrupt I contacted both Natwest and the Insolvency Service (Birmingham Office who dealt with my case) and was told that between the two of them they would sort the situation out and I guessed that the money would go towards those companies who had been owed money when I filed for bankruptcy.

 

Jumping forward again I am having problems with my local council which led to me having to contact Natwest and that in turn has led to the revelation that I have an active account with the bank.

 

I therefore went into my local branch today and after some investigation I was told that I do indeed have an account and that there is a little over £4600 in it, they also told me that the account was frozen, most likely due to being inactive since March 2014. They gave me a printout of the balance which shows that the account has been open since at least October 2008 which is obviously over two years before my bankruptcy took place.

 

The best I can figure is that it is my old Natwest account and that the money in it is the compensation that I was given in 2014 for the PPI mis-selling, this ties in as the money was deposited into the account in March 2014. This of course is surprising to me as I was under the impression that the insolvency team would have contacted the bank and taken the money, I did after all let both parties know of the situation when the compensation was paid to me.

 

So anyway the bank have advised me to contact the insolvency people and find out why they have not claimed the money, they have also made a note of the conversation I had with them today in order to back up my claim that I was not aware of this money and had not been keeping it secret from the insolvency people.

 

I have tried to call the insolvency office today but just got through to a voicemail so I didnt leave a message as obviously al of the above is not the easiest to leave a message about.

 

I will of course try calling them again in the morning but thought I would run this by you guys in the meantime for advise as to why this has happened and where do I stand? Now obviously it would be very nice to stumble across over £4000 that I didnt know I had but Im assuming that even now almost 5 years after being declared bankrupt that the money will be going to the insolvency office, im just at a loss as to why they never claimed it in the first place.

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Info for you;

 

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/ppi-claims-after-bankruptcy/

 

However, for now Id hold off. Natwest contacted you right?

 

We could do with some help from you.

 

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Thread moved to the appropriate forum.

 

Regards

 

Andy

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 OTHER

 

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Info for you;

 

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/ppi-claims-after-bankruptcy/

 

However, for now Id hold off. Natwest contacted you right?

 

Natwest contacted me in 2014 regarding ppi and i just completed the form, I'd never even considered making a claim.

 

Once they paid out i looked it up and realised that the money was not meant to be kept by me and that's why i contacted both natwest and the insolvency office and left it in their hands.

 

Jump forward two years and here we are with the money still sat there in my name

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Can you not drop your IP an email silentmovieman as a matter of urgency as its effecting your benefits I assume with your referring to the Council ?

 

If you've been discharged from bankruptcy, this doesn't change the situation. The official receiver or trustee still owns the right to claim and any money that results from a claim, unless they've agreed to transfer the right back to you.

 

Regards

 

Andy

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 OTHER

 

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Lets keep that on a seperate thread for now......

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 OTHER

 

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Well that's a sucky way to start the day . Got hold of the OR and they are going to write to natwest for the cash .

 

I know it should have been done a long time ago but still get the old hopes up when something like this falls in your lap out of the blue.

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  • 1 year later...

As previously stated I was declared bankrupt in April 2011 and discharged in October of the same year.

 

Obviously we have passed the six year threshold now so my bankruptcy does not appear on my credit file anymore.

 

This is all good but I am looking to move my family back home and as we rent we are having to complete the necessary forms as we have found a property we want to move into. There is one issue with this in that the form asks whether I have had any ccjs, bankruptcys etc.

 

I believe I am right in saying that if I was applying for a mortgage that I would have to declare a former bankruptcy regardless of how long ago it took place. Is this right and do I have to do the same for the letting agent?

 

I'm asking because if the answer is yes then I'd imagine that its highly unlikely that any letting agent is going to give us the greenlight due to the former bankruptcy even though it is no longer on my credit file.

 

Any advice on this matter is greatly appreciated.

 

*I did try to start a new thread regarding this but the site kept throwing me round in a loop so I was unable to do so.

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Yes you would have to declare it...but also that you are now discharged from date xxxxxxx

We could do with some help from you.

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Many thanks for concluding your thread SMM..thread title amended.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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