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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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Arrow/Reston claimform - M&S Chargecard changed to Credit card


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Thank you Andy, so if they cant prove the case, how do I get it removed from my credit file?

JQ

 

You cant.....its your initial default which remains on your CRAS for 6 years as per the ICO guidelines...nothing to do with court claims or whether they can prove the agreement or not.

 

Only in cases of fraudulent users and identity issues and you can prove categorically this agreement was not yours ..can any data be adjusted or removed.

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So does that mean that even if the contract is one of these swapped cards which may be unenforceable because you have no proper contract they can keep it there?

 

 

If there is no contract, or it is null and void, or whatever happens to it, still they get to keep their default despite it not being a valid contract? JQ

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the default was filed because of the way the credit was administered or not as the case, by you.

 

 

the fact theres no enforceable AGREEMENT under the CCA makes sadly no odds.

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 have not defaulted with Arrow but M&S the OC...who placed the default.....clutching at thin air :wink:

We could do with some help from you.

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But M&S have removed their default and Arrow have applied it in their name? I did not default with Arrow?

JQ

 

The agreement is now Arrows they are allowed to switch the name on your CRAS...they are the new legal owners

We could do with some help from you.

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  • 2 months later...

Hi folks, sorry for delay, been overwhelmed.

 

I have not received info requested from Arrow, albeit they are asking for payment. As far as I can tell the court is stayed, they haven't applied to reinstate, at least I haven't heard anything, fingers crossed, but how do I proceed from here?

 

Do I just leave it?

 

How long will default be on my credit file, 6 yrs from M&S applying it, or Arrow?

 

If Arrow cannot substantiate the debt, does that mean it is unenforceable and I should investigate that area further?

 

Any thoughts gratefully received. 😊

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Hi folks, sorry for delay, been overwhelmed.

 

I have not received info requested from Arrow, albeit they are asking for payment. As far as I can tell the court is stayed, they haven't applied to reinstate, at least I haven't heard anything, fingers crossed, but how do I proceed from here?

 

Do I just leave it? Yes

 

How long will default be on my credit file, 6 yrs from M&S applying it, or Arrow? M&S

 

If Arrow cannot substantiate the debt, does that mean it is unenforceable (For now until/if they find the paperwork) and I should investigate that area further? What would you intend to do ?

 

Any thoughts gratefully received.

 

Andy

We could do with some help from you.

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Thank you folks,

I will ring the court and see what they say and do nothing if it is not being taken further.

 

With regard to being unenforceable via the updated/changed charge card etc,

if it no longer belongs to M&S does that mean I cannot take that stand and say it is not a debt they should have assigned if it was accrued in the way it was?

 

 

Have they done this to others as a tactic to avoid the unenforceability (if it is the case) of debts?

 

❓

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if it ever gor before a judge there are numerous store/charge cards changed to credit card cases to blow it out the water

pers i'd forgwt about it

 

 

the claim is well stayed and will most likely remain that way

Arrows aren't that thick to take this debacle to court once they realise the lemon debt they've blindly litigated upon.

 

 

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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  • 1 year later...

UPDATE

 

Over a year later, yesterday I received a letter from Arrow

 

Dear xxx

 

Arrow Global Limited Account xxx

Assigned by M&S a/c no xxx

 

In response to a request for a statement under section77 of the Consumer Credit Act 1974 we enclose:

1. Copy of agreement

2. Statement of account

3. Default notice

4. Default terms and conditions

5. Opening terms and conditions

 

Please now provide your proposal for repayment of your debt. Failure to do so will result in continuation of collection activity, which in this case may include litigation.

 

This account is currently being operated on our behalf by Restons. We will deal with this document request only and all other enquiries should be directed to them.

 

Tel no below to make attangements to pay your account

0800xxx

Opening hours xx

Correspondence address Arrow Global, PO Box 5469, Manchester, M61 0LW

Footer

 

 

To note

1. Is my original agreement for storecard in 1994

2. Is from Sept 2009 to Sept 2015, nothing from 1994 onwards

3. This is dated 06/10/11

4. These are not from the original contract

5. I believe these are those on the back page of the original 1994 contract?

 

Any comments welcomed?

 

Jq

docs1.pdf

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your docs are now in the above post

 

they seems ok to me but if you actually need to do anything is another matter:lol:

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

Thank you DX.

Is it not statute barred if default was Oct 2011?

There's no assignment doc?

The original signed doc was for the charge card, not for the credit card, this was switched by M&S without me signing any contract?

I've read so many different things I don't know what to think?

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claimform stops the SB clock.

 

the important thing to remember here is the charge/credit card debacle..thats the winner ..

don't forget the letter they have sent is automated as in they don't know there's already a stayed claim

its simply the std reply that goes out with a CCA return.

 

this aint going nowhere.

 

go enjoy your life

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

Simply run through the T&Cs with a fine tooth...you can bet your bottom dollar that they are not connected to the 1994 application which was a store card...the uploaded T&Cs refer to credit card from what I see.and therefore they remain in default of your section 78 request.

 

If an agreement has been varied by the creditor under a unilateral power of variation, the creditor must still provide a copy of the original agreement, as well as the varied terms.

 

They varied the agreement by switching you from store card to credit card.

 

 

You may find the following judgment of use.....

 

Santander v Diana Mayhew and other similar threads where this occurred.

 

http://www.bbc.co.uk/news/business-17670803

 

 

 

Andy

We could do with some help from you.

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Thank you DX, that sounds like a plan, but are they likely to reinstate the court case?

��

 

Thank you Andy, I looked at the link, it looks promising, but it was dated 2012, are there any newer M&S decisions do you know?

 

However, if they do go back to court should I respond by pointing out they have not complied with the section 78?

I suppose it's best not to think/worry about it until I hear from the court & stop stressing unnecessarily!

 

JQ

Edited by dx100uk
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its an automated letter

reston wont know its been sent.

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

" but it was dated 2012 "

 

Irrelevant still stands as good law

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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