Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Acenden, Spml, Eurosail, Ge money. Are these all same company?


cruzhughes
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2089 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I pay smpl on Morgage but they are Acenden now.

 

I've just sent them a Sar in the hope of reclaiming charges as I know I was in arrears about 7 or more years ago with capstone what's my chance of success here?

 

I've just noticed they have cashed the cheque and £10 has been credited to my Morgage account.

 

Is this normal practise?

Link to post
Share on other sites

  • Replies 266
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

the rest are all linked but not GE money

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... 

Link to post
Share on other sites

Hi

 

I pay smpl on Morgage but they are Acenden now.

 

I've just sent them a Sar in the hope of reclaiming charges as I know I was in arrears about 7 or more years ago with capstone what's my chance of success here?

 

I've just noticed they have cashed the cheque and £10 has been credited to my Morgage account.

 

Is this normal practise?

 

Responding to S.O.S

 

They can actually do what they like with the £10.00 as long as they :-

 

a) fulfil the request for your Subject Access Request within the specified time of 40 calendar days and

b) do not try to say that you have made a payment to your account.

 

It is an unsolicited gift from them to you.

 

You might want to drop them a quick note along the lines of.

 

Dear Sir/Madam

 

Subject Access Request DATED

Account references...

Name

 

On DATE, I sent a Subject Access Request to your Data Controller. Enclosed with that request was the legally required fee of £10.00.

 

It has been noticed that you have applied that fee to the mortgage account - I would remind you that the fee was for the Subject Access Request onlyand for no other purpose and you are obliged to provide that to me within 40 calendar days.

 

Please confirm that you have made a gift of £10.00 to the mortgage account and are in the process of providing the Data I have made a legal request for.

 

Regards,

 

CruzHughes

Keep an eye on the date so know when you need to start jumping up and down if they don't provide the data on time.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Brill thanks.

 

Are they known to to provide data on time?

 

This Morgage has 10 years left to run and I had not realised its interest only.

 

I still owe 70 grand

 

when I first bought house it was for around 45.

So as you can imagine I need to find out what's gone on..

Link to post
Share on other sites

I have no knowledge of this company and their response times to SAR requests. Perhaps have a quick look at other threads where someone might have sent SAR to them.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Getting any money out of Acenden is an uphill battle, but it's always worth having a go. Let us know when you get the SAR info back and we can advise further.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Yep sadly that's about par for these fleecers

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... 

Link to post
Share on other sites

You are not the only one they have done this to.

Applied the wrong repayment figure.

Get ready to complain to the Financial Ombudsman Service when you have your documents from Acenden.

 

Acenden is a "mortgage servicing platform" that was bought out of administration in 2015 by the global equity group BlackRock (from the Lehman Brothers liquidators PwC).

 

SPML is no longer, since early 2009, the beneficiary of the legal charge (the mortgage) of any SPML-originated mortgages.

 

Eurosail is a Special Purpose Vehicle created by Lehman Brothers

- there are several Eurosails

- to which SPML "sold" its mortgage assets, all of them,

while retaining the ownership of the "title" (the brand, as it were)

because the sales were not "perfected" except in the case,

apparently, of second-charge mortgages:

 

 

these Barclays Bank required the sales to be perfected, if it was to continue providing payment processing facilities.

Eurosail is the beneficiary of the legal charge.

 

Acenden will probably fulfil your SAR quite quickly but may omit stuff that makes them look bad.

 

Edited to add:

you can verify all this, above, by reference to documents lodged at the Irish Stock Exchange and available on-line.

Link to post
Share on other sites

Capstone was Acenden's old name.

I think you probably paid SPML, not Capstone.

 

 

You are doing the right thing, starting now.

 

 

Someone else on this forum didn't start until one month before the end of the term of the mortgage,

and he had most of it still to repay (because they had applied the wrong repayment figure).

Which was probably too late.

 

 

You can start collecting all the information you will need: eg bank statements

- if you no longer have these, ask your bank for copies. (Bank may charge for this.)

 

Also recommended is making a screen capture every day of your loan account page on the Acenden web site.

 

 

They do sometimes double-charge and, unless you have contemporaneous details of when that happened and how much, it would be almost impossible to prove it later.

Link to post
Share on other sites

It's ridiculous

there's £268.00 going in and £234. Going straight back out in interest?!

 

I can go back to 2007 cos I changed banks and I've been with the same bank since then.

I don't live there anymore.

 

But I want to gets all the facts straight before I go to solicitors to sort financial side out with ex.

 

As she seems to have run up an awful lot of debt in my name and she thinks I haven't a clue.

 

Gathering a lot of evidence over a good few things at the moment and its frying my brain.

Have a look at my other threads. :!::shock:

Link to post
Share on other sites

Hmm,

so they expect you to pay for a certified copy of your own signature

- in what other way have you had dealings with this company?

 

 

Because they will only require proof of your identity if they have not had any dealings with you for a long period.

If they have provided any other sensitive information to you over the past say, 18 months then they are stalling ?

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Weird ain't it??

I rang them the other week to query arrears and they send statements to my adresss regularly

and have done so each time I moved after I left marital home house with mortgage on.

 

 

How do I word that they don't need my signature to proceed with my straightforward sar request?

Link to post
Share on other sites

Well My honest opinion (and this will be disagreed with) is that it is perfectly acceptable for them to ask for ID in my thoughts.

Page 19 - Booklet below.

subject-access-code-of-practice.pdf

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

if you read the sar thread in its entirety

its advisable to list your old addresses

and

include a copy of your current CTAX demand as proof of who & where you are now.

 

you must sign an SAR too

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... 

Link to post
Share on other sites

It's ridiculous

there's £268.00 going in and £234. Going straight back out in interest?!

 

Save your anger and energy for extracting yourself from Acenden. They seem to have done this sort of thing to thousands, and from what I have seen to me it looks like deliberate policy not honest error. Anyway, you are not expected to be a financial wizard checking their figures; they are obliged by law to get it right first time and never get it wrong. But it may entail a lot of work on your part.

 

When you have the information from Acenden - in particular the audit trail of your account - find a calculator on the web and put in what you borrowed, at what interest, what you repaid and when; these calculators also tell you how much you should have repaid every month in order to clear the debt within the period of the loan.

 

This is from 2013 but still relevant.

 

http://www.iii.co.uk/stockmarketwire/90297/cml-help-interest-only-mortgage-borrowers

 

Has Acenden ever written to you about your plans to ensure you can meet your contractual obligation to pay this off when it reaches maturity?

Link to post
Share on other sites

This is from 2013 but still relevant.

 

http://www.iii.co.uk/stockmarketwire/90297/cml-help-interest-only-mortgage-borrowers

 

Has Acenden ever written to you about your plans to ensure you can meet your contractual obligation to pay this off when it reaches maturity?

 

Nothing other than when I logged on to website it said that!!

 

"It's ridiculous

there's £268.00 going in and £234. Going straight back out in interest?!"

 

Where's the other £34 going then?

Hopefully I will find out when I get sar.

Link to post
Share on other sites

  • 4 weeks later...

Received sar back.

There are phone transcripts with parts blanked out.

 

Most of paperwork is to do with buildings insurance that I've been paying over 400 a month for.

 

What should I be looking for?

 

There are a few letters where they have credited the account as They were saying I'd been overcharged for letters

Link to post
Share on other sites

£400 a month?

a year surely?

 

 

penalty charges...fixed sum like £25 etc

letter/phone/dd return/debt management /arrears...

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...