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

PRA letter about old MBNA card debt


pink flower
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2570 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 very new to all this but hopefully some one can help i am probably in totally the wrong place

though you have probably answered the question loads of times but i am not good with these things

i have received a letter from pra and having had a sleepless night last night with worry decided to ask for help

what do you need to know to help

pink flower

Link to post
Share on other sites

just a scary letter from a no legal powers DCA

they are NOT BAILIFFS.

 

 

whats the debt all about

they think you owe them?

 

 

full story please

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

this is the letter

 

Dear xxxxx

PRA Group (uk) limited (‘pra Group’)

Account reference number xxxxxxxxx

 

We write further to the above matter and to inform you that your account has been transferred to the investigations and litigation department.

 

This is a letter before claim as required by the practice direction on a pre-action conduct & protocols contained in the civil procedure rules.

 

 

This letter constitutes a formal demand for payment of £6000 and to give you notice of pra groups intention to issue court proceedings against you.

 

You should consider the contents of this letter carefully and seek independent legal advice of you are unsure as to its contents of alternatively contact one of the free advice agencies detailed on the enclosed documents.

 

We specifically refer to paragraph 13 to 16 of the pre action direction concerning the courts powers to impose sanctions for failure to comply with the practice direction.

 

You will recall that you entered into a written credit agreement numbered xxxxx on or about 1 dec 2008 with mbna europe bank ltd ( the creditor )

 

 

the credit agreement was regulated by the consumer act 1974 the credit agreement obliged you to make minimum monthly payments.

 

 

You breached the payment clause of the credit agreement as you failed to make those payments and therefore you are now in breach of the credit agreement.

 

 

The creditor gave notice of default by which you were require to respond and remedy the breach within prescribed period.

 

Since you did not respond and remedy the specified breach within the prescribed period.

You have therefore become liable to pay the creditor the sum of £6000

 

By an assignment in writing dated nov 2014 the creditor assigned the debt to pra group. Both the creditor and pra group gave you a written notice notifying you of the assignment.

 

Pra group has made further written and oral requests for payment of the sums but you have not paid the sum due and owing.

 

If after considering this letter you take the view that you do not owe £6000 the we look forward to receiving your reasons why you take that view plus supporting documentation

 

We do not envisage that the expert evidence will be needed in this claim

 

This letter should also be treated as an invitation to refer this dispute to mediation or some other form of (adr ) in order to avoid the need for this matter to be resolved by the court

 

In addition this letter triggers certain time limits that affect you .

 

1 you are expected to acknowledge and answer this letter before xxxxxx

 

2 you are expected to resond to the invitation to refer the matter to adr by xxxxxx

 

We look forward to receiving your letter in reply responding to the claims made against you and /or setting out your proposals for settlement /payment we are prepared to discuss repayment options if this assists you

 

If we do not hear from you within the above time limits then court procedings will be issued against you without further warning which may increase your liability for the interest and costs

 

If you have any difficulty in complying with the above time limits please explain the problem to us as soon as possible and we will consider a reasonable request for and extension.

 

Yours sincerely

 

Etc etc …..

Link to post
Share on other sites

retitled and moved to the MBNA forum.

 

 

that's a std threat-o-gram

 

so it this on your credit file?

 

when did you last pay MBNA anything?

 

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... 

Link to post
Share on other sites

the reason for not paying it was that my nasty ex ( not ex at time) got a credit card in my name and put a credit card debit onto it

 

he defaulted the payments in march 2012

 

since then i have been in hostel rehoused and still under drs and counselling tablets etc

 

i am very upset by the letter and dont know what to do

 

i have no money live in a council flat which i like i am in court with him about other matters

 

if its a scare tactic its worked

Link to post
Share on other sites

hi yes its on my credit file just checked it and found out when he last paid it

i am now having to learn about these things lol credit files lots of letters that mean all kinds of thing adr ( alternative dispute resolution ) etc :)

i have never paid them

we split up 2011 and its since then i have been though lots of chaos

Edited by pink flower
Link to post
Share on other sites

I would assume he took this out online using your details

and probably not the only account?

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 dx100uk

i dont know only found these things out after wards he was a bully and we were in business together at the time

- pink flower

there is another credit card of 800 on my file

i seem to remember when i was in the hostel a adviser contacting them to explain i was in hostel and broke

Edited by pink flower
Link to post
Share on other sites

so any other nasties on your credit file you don't recognise?

 

what other letters from PRA have you had?

 

or could it be that for obvious reasons

you didn't tell your creditors you were moving.

 

it wont go anywhere if the relationship was abusive etc

you could quite rightly use the fraud card route

as that's the truth here..yes?

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

i tried looking into it but didnt get any where

as part of the problem is having left with not a lot and moved area and in hiding as such, its so difficult to cope with it

 

also i was in a relationship with him and business i signed things about the business under instruction from him so dont know

( i pretty much have have had a nervous break down since then still not much better )

 

do i contact them and explain or just ignore the letter

 

 

i have had others asking if its me but because of the circumstances i wont reply as dont know if its him trying to find me

Link to post
Share on other sites

the issue here is they probably don't know your real address

and they [and others] could quite legally file claimforms and get CCJ's by default using your old addresses.

 

 

pers I wouldn't respond

but the dangers are as above.

 

 

i'm wondering if you might need to get fraud registered with whomever

but again that s can be a bit risky and/or involve the police

which I take it have not to date been involved?

if you had a crime ref number it would be magic

 

 

cannot one of the organisations that have been helping you all these years not do a letter or something?

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 dx100uk

 

unfortunately its to my new address i dont think the police will help as i asked before and got nowhere as im to much of a nervous wreck so wont push

im in counselling tomorrow so going to ask just worried about the time limits i was trying to work out if a cca request letter would at least give me time and might help me see if i did sign it or he did it on line if thats the right letter :)

Link to post
Share on other sites

that's the problem

it will be an online sign up

no sigs required.

 

 

CCA request is not a lot of point

as it will be enforcebale in all events

 

 

but it could atleast let them know your reall address atleast

then you wont get a backdoor CCJ.

 

 

please don't do anything unless we OK IT

even after what councilling says

they tend to be good at what they do

but not consumer laws...

now if they could write a letter stating in their eyes its afraud

or IS fraud

that would be great

as you could send that to everyone.

 

 

just remember these letters are THREATS to get a respond and then MUG YOU.

 

 

they are NOT BALIIFFS AND HAVE NO LEGAL POWERS.

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

ok

as you see I don't understand it all lol

that's the other reason I don't reply as then they know they found me.

I have very little I work low pay part time so they can't have what I haven't got

going to bed now didn't sleep last night reassured not to panic my usual reaction lol

thanks

pink flower

Edited by pink flower
Link to post
Share on other sites

theres a rub to not leting them know they've 'found you'

 

 

as I said

backdoor CCJ's

read above

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

morning

still trying to get my head round all the things.

the letters are coming to my new address so in theory if they do take it to court do i get chance at that point to explain to the court.

I'm going to see if I can get a letter from either a solicitor or adviser to say that in their opinion the debt is fraudulent.

I have not received letters direct from mbna only ever from pra as I left the property the mbna had in Jan 11 long before he stopped paying in March 12.

I won't send them anything yet have till 22/4 to reply

pink flower

Link to post
Share on other sites

ignore their silly timelines.

 

 

going by what you say above

officially you haven't told them your new address

but, I wonder how they found it

 

 

is it on your credit file?

or could your ex have given them it?

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

Most DCA's are debt buyers 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

well I've had chance to calm going to wait and see what they do next I'm not worried about ccj not got enough money to want credit going to be in council flat till the end lol

counsellor going to do me a letter explaining hostel, abuse, mental health etc

pink flower x

Edited by pink flower
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...