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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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Debt write off or IVA?


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Hi,

I am looking for advice please.

 

 

At the moment I am heavily in debt with credit cards and for a few years now have been making agreed payments to my creditors on a pro rata basis.

 

 

Although no interest is being charged there is no way I will be able to clear these debts in my lifetime without either going bankrupt or an IVA.

 

 

I am 67 years of age and an IVA would take me to 73 and having to live on the breadline for the next 6 years isn't how I had planned my retirement.

 

I have a mortgage and a 2nd charge both on an interest only basis

if I were to sell then there wouldn't be a great deal of equity left.

 

 

At current property prices I would be lucky to come away with £8k which wouldn't make much of a dent in my credit card debt.

This would leave me penniless as I have no savings and no personal life insurance.

 

 

I had planned to pay off the mortgage by cashing in my stocks and shares but the banking crisis wiped these out and what was left was sold to service my credit card payments following me losing my job on top of everything else.

 

I would like to sell up and go live in Spain where property rentals are very reasonable and I could manage quite well on my works pension and state pension.

 

 

I am not one to shirk my responsibilities and would try to continue paying off what I can but I don't want to start afresh with absolutely nothing.

 

 

If possible I would like to keep a £4k cushion out of the sale proceeds of my house for contingencies such as funeral costs as I can't expect my siblings to pay for this and I have no other family.

 

Most of my debt has been sold to the likes of Arrow Global , Cabot etc.

I reckon they only paid a small percentage for taking on the risk.

 

 

Is there any point in me appealing to their better nature and asking them to write off my debts or should I go down the route of an IVA?

 

 

If I go for an IVA can I sell my house during it and then go live in Spain and just continue with the payments or would it be best to sell now and then go for an IVA.

 

Sorry for the lengthy dialogue but as I don't have much of a lifespan left I would like to spend it relatively at peace.

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so you didn't stop making those token payments that you were advised to stop years ago going by other threads?

 

 

they would be near statute barring now if you had.

 

 

whats the state on a valid enforceable agreement on each one?

 

 

can you list your debts and who you pay please.

 

 

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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As far as I know they are all enforceable.

 

 

Every one of them served default notices and I continued with the token payments as advised by CAB.

 

 

The only one I challenged was Capital One when they were getting heavy and they sent me a copy of what I had signed when I took up the card.

 

I was afraid of losing my house if it all escalated so still paid.

 

Arrow Global was MBNA Visa £8593

Arrow Global was MBNA Mastercard £7860

Wescot on behalf of Mint £7516

Cabot was Barclaycard £8647

Arrow Global was Abbey £5312

CapitalOne £15335

Arrow Global was Alliance & Leicester £1740

M&S Personal Reserve account £1717

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CCA request to each and everyone bar the A+L one as that's a bank account?

its been 5yrs now

lots could have changed.

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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Hi

 

I would agree with Dx in that sending a CCA request to the creditors would be a great idea. I am assuming that all the loans and cards were taken out prior to April 2007.

 

As DX has said, a lot could have changed in the intervening years

 

As a side note, if you sent CCA requests before and you still have copies of everything you were sent then its possible that others on here would be able to tell you if they are actually enforceable. Just because they have your signature on them doesn't mean that they are enforceable.

 

As an example I have a Halifax Loan that is not enforecable because it is not set out correctly , another loan for over 10K , well when they sent a response to my CCA request they did not include amended terms and conditions but kindly sent a statement of account that showed default charges had changed. I am 15 months from most of my debts being SB and some most of them I have not heard from in over 2 years

Any opinion I give is from personal experience .

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  • 2 years later...

I first ran into difficulty with credit card debts in 2010 and have posted on here before seeking advice for which I am grateful.

 

I chose to set up affordable repayment plans with the original creditors and they over time issued default notices. Those default notices have now disappeared from my credit report according to the Experian link to MoneySaving Expert.com. I have in actual fact managed to get a credit card to try and build up my credit rating.

 

All of the original creditors have sold on the respective accounts to the likes of Arrow, Lowell and Cabot and I have continued to pay them. Some of these have since approached me with offers to settle the accounts at reduced rates which up until now I couldn't find.

 

I am in the process of selling my house and intend to settle abroad in Spain. When it goes through I will be left with enough to clear all the accounts if they don't ask for more than 30% but then will have very little to fall back on for a rainy day.

 

I am retired and just about manage to get through on my state pension and small works pension.

 

When I last wrote on here 2 years ago https://www.consumeractiongroup.co.uk/forum/showthread.php?470920-Debt-write-off-or-IVA&p=4960595#post4960595

I thought I would be left with about £8k but this has gone up £20k.

 

I was advised to stop making the token payments and send out CCA requests but I do own up to the debts and that is why I haven't gone down that route.

 

I was wondering how best to approach the situation. I was thinking about carrying on with the payments until I move abroad in January and then notifying them of my move with an offer to continue the payments until I have secured a permanent address as I will be renting?

 

This will give me a chance to set up Spanish bank accounts and arrange money transfer from my UK bank account.

 

I don't want them to know how much I have from the proceeds of sale so they can go after the lot.

 

This brings me to the next question .... can they apply for a CCJ if I am sticking to the repayments?

 

Your thought and advice greatly appreciated.

Edited by dx100uk
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More than 4 yrs ago and since you were advised 3 times to throw the morality card out the window

They dont care why should you

 

All you've done is run the sb date and been obviously cash cowed

 

If you'd sent the CCA's i bet 90% of you debt would have been..and could still be now..wiped out TOTALLY

 

Token payment s do not stop legal action

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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You've had for 8yrs now

Just go.

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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  • 3 weeks later...

its difficult to sometimes understand where you live and what stages you are at.

but the one thing that is clear is that you've been a cash cow for 8yrs now

 

if you aren't abroad living then you need to address the debts

but that doesn't mean paying them without 1st taking the necessary steps to ensure that each fleecer you pay is legally entitled to mug you.

 

as in 2016 here and in most of your other threads since 2011 you were advised to CCA request each one...still to this day you haven't...

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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I really can not stress enough just how important CCA requests are. I CCA'd all my creditors back in 2012 , some came back saying they couldn't find the agreement, thank you your account in unenforceable. Others came back with agreements which were unenforceable and 4 I think came back with agreements that initially looked good.

 

I stopped paying all of my debts - no moral judgement on my part at the time, purely an economic one although I did become rather evangelical about using the CCA requests - at that time opinions were very divided on how useful they were.

 

Anyway, out of the 4 that came back with agreements, three are now statute barred and the other, well they took me to court but not only did I successfully defend the case but also had costs awarded. They could provide no evidence a default notice was sent - and I mean non, not even an entry in a log.

 

So CCA requests can and do work, I am living proof

Any opinion I give is from personal experience .

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