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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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old credit card debt with RBS transferred to WESCOT = WHAT TO DO??


HDEBT
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Hello forum, hope someone can help, even just a little bit.

 

I have an old credit card debt with RBS which for the last 2-3 years I have paid a pound a month.

 

 

I am not registered on any electoral role as I dont have a home.

I stay on friends floors or with some family and also pay for Bed and breakfasts and this has been since October 2014.

 

My debt is 5, 855 to RBS.

At an old address (where I still go and get post),

 

 

I have a letter from RBS stating that RBS have partnered with Westcot Credit services

who will manage the remainder of my plan.

And they will contact me within 14 days.

 

What do I do?

I dont have extra money from working as this goes on accommodation when I cant stay at other peoples houses,

and I was paying £1 month.

 

Its making me to the point of despair and life isnt easy as it is.

A relative has offered to pay them £1,000 to get rid of them due to me being so down with this.

But I dont think they will take such a small amount to get them out of my life.

I just have come to the end of my tether with it all and trying to survive not just live.

 

Can anyone offer a small bit of advice.

I hate all this over my head, for the sake of this amount I just have had enough,

I dont know how to handle what Westcot will do and had enough.

Help anyone please.

Kind regards

H

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Hi HDEBT and welcome to CAG

 

You can continue to pay them £1 a month (RBS and ignore Westy)...I would also request a copy of your agreement from RBS using a section 78 request and see what response you get.

 

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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What does me doing this mean? (copy of your agreement from RBS)

and using a section 78 request? Is that a specific way I need to do it?

Thank you for the welcome

Regards

H

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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

If you want advice on your Topic please PM me a link to your thread

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just remember that wetcloths are a DCA

 

a DCA is NOT A BAILIFF

 

and they have

NO SUCH LEGAL POWERS.

 

don't waste that relatives money either!

esp to a DCA!!

 

ignore them totally and pay RBS as advised

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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thank you for link - which i have read and can do the letter, I just dont understand what it means by doing this. If they dont reply (RBS) in 14 days what does that mean to me? The debts gone or I dont worry anymore?

 

DCA - Westcot I have read so much on the internet about their nasty techniques and how they work, it does worry me.

 

Regards

 

H

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Although you have just made me smile calling them the unusual name for Westcot.

 

Would it not be worth me trying for the Full and final settlement to RBS and offer the £1,000 against the £5,855.

 

Surely they would accept this than gain nothing but a £1 for the rest of the next god knows how many years.

 

This is the only debt I have and could sort myself out if this was gone for good, I worry it hangs over me all the time.

 

Just want to have less worry and my life back with no debt and start over.

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Oh, so they probably wouldn't want to know?

Thank you for replying anyway.

 

I thought that some things better than nothing and then they would have money. So what happens with section 78 letter I am typing to send.

 

Thanks for the help anyway

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it checks they RBS hold the paperwork to legally enforce the debt.

if they don't then it drastically changes things to your advantage

 

 

can you remember when you took the card out?

might be an idea to check your credit file too?

 

 

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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Its quite a few years, I am not completely sure.

 

Possibly 6 years or so, could be more.

 

I presume RBS hold all the paperwork but I have already got the letter ready to send as you advised.

 

Have not checked my credit file for many many years.

 

How do I check it.

 

I think years ago I had to pay to check it with a company.

 

What do I need to check on the credit file?

 

Oh god I dread what is on the credit report file,

but would be helpful in possibly getting my credit back on track so I can eventually find a place to live :)

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both noddle & Clearscore are free CRA providers

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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Make the request for the agreement...await their response.....check your credit files as advised....then decide on how you wish to proceed.

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

If you want advice on your Topic please PM me a link to your thread

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Thank you for help so far. I have got the letter ready to send and will get that sorted.

Thank you for the names of the free CRA providers that will be good to use.

I will wait now and see what happens for the next 14 days

 

Thanks for all help and kindness today and will get back to you to let you know what happens

 

Kind Regards

 

H

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But do not talk to, respond to anything from Wetcloths:-)

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

If you want advice on your Topic please PM me a link to your thread

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  • 2 weeks later...

Easier to scan a copy and upload it here for opinions...(remove any identifiable details first)

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

If you want advice on your Topic please PM me a link to your thread

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photo? on phone?

read the guide upload

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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  • 1 month later...

I have sent a letter to RBS offering a settlement amount and explaining my situation. This was sent on 6th August 2016 - Over month ago.

 

I have still not heard anything and waiting is not easy.

 

My question is

How long before they eventually contact back with a response?

and

Does anyone have the correct address to which I would send an offer of settlement on RBS Credit Card debt so I can check i have sent it to the correct department (just in case) I dont want it to of got lost

 

Kind Regards

 

Helen

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I have sent RBS a settlement offer over one month ago now and still not hear from them.

 

 

How long does this usually take for any response?

 

Does anyone have the correct address I should of sent credit card debt offer to?

 

 

Just in case I am waiting and waiting and it is the wrong address.

 

 

My life is on hold til this is sorted.

 

Kind Regards

 

Helen

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would be best to scan up the agreement please

and did you get your credit file?

 

 

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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Share on other sites

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