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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Drydens for Max Recovery - MBNA card Default On Credit File


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I have been in writing to Drydensfairfax Solicitors back in March 2016.

 

They are acting on behalf of their client Max Recovery Limited who purchased a debt.

 

I had previously asked them for a credit agreement and copy of the deed of assignment.

 

Back in March 2016, they wrote to me in reply.

 

They provided me with a basic office copy of a credit agreement.

 

They claimed that their client, Max Recovery, had provided them with a copy deed of assignment, and that they had attached this to the document for my perusal.

 

Upon checking the documentation, this assignment was not present as stated in the covering letter.

 

For the past year, I have had no response from Drydensfairfax.

 

Today, I checked my credit agreement, and I am horrified that they have placed a default on my credit file on the 30th May 2017.

 

Under section 87(1) Consumer Credit Act 1974, I have NOT been provided with a written default notice prior to this default being placed.

 

Can anyone please advise me what to do next as I feel that the default is illegal!?

 

The other concern is that Drydens should not have put the default in their name as the debt belongs to their client Max Recovery Limited.

 

Am I correct in thinking Drydens have done this default incorrectly it should be their client!?

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they havent placed anything on your credit file they cant

the original creditor defaulted the debt when they sold it on.

 

what was the original debt all about?

 

who are drydens stating is their client?

 

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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The default went onto my credit file on the 30th May 2017.

 

Prior to this no written default notice has never been received.

 

Max Recovery bought the debt in late 2012, Drydens are a firm of solicitors acting on Max Recovery's behalf to reclaim the debt.

 

As Drydens don't physicall owe the debt they can't put the default on surely its illegal?

 

Origional debt is an unsecured credit card opened online in around 2011.

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who with - whos the original creditor?

 

the original creditor would have defaulted you in 2012 before sale

that's an updated default date.

 

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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read what I've already said twice now again..

 

a debt buyer cannot default you.

only the original creditor can.

 

the fact that the debt didn't show until of recent is of no importance.

 

have you moved since you took that card out?

max recovery are really a very lowlife DCA

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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how many more times...DRYDENS DID NOT PLACE THAT DEFAULT.

 

MBNA defaulted the account before they sold it MAxy in 2012

that date is an updated default date -

 

and it doesn't even say drydens on your credit file either I bet?

why do you keep insisting they place it there?

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

The default is showing as Fairfax Solicitors!!

 

Here's my Noddle credit Report showing Drydens Default registered 30th May 2017:

 

Other accounts

 

LENDER

 

BALANCE

 

UPDATED

 

STATUS

 

Fairfax Solicitors LTD

 

£ 931

 

30/05/2017

 

Default

 

Name

 

Account type

 

Bank Actually unsecured credit card

 

Account number

 

**************2585 0

 

Account start date

 

08/12/2011

 

Opening balance

 

£ 969

 

Repayment frequency

 

Monthly

 

They are saying account defaulted in August 2012.

 

Why have they suddenly put this on my file!?

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they are the owners they can do that.

 

have you moved since you took this card out...

 

nice to see you've finally understood how to read your credit file properly 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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oh now you tell us .....

 

it should be the date of the IVA commencement

but that's for MBNA to sort out .

 

you could complain

but by the time you've done that November will be here anyway.

 

did you complete the IVA?

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

then the default date being the start of the IVA [or because of that] is irrelevant

the IVA failed.

 

ok so alllll the way back to the start again...

have you moved since taking this card out?

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

who were they?

 

 

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

According to Companies House Fairfax Solicitors Ltd was dissolved via voluntary strike-off 01 Oct 2013,

 

Your Credit File should reflect the owners name IE Max Recovery Limited....Solicitors shouldn't have access to credit files...they are not a creditor nor do they hold a credit licence .....nor the assignee of the debt....or anything in this case being dissolved.

 

What date did you actually default on the agreement when it was was with MBNA ?

 

Regards

 

Andy

We could do with some help from you.

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bottom of post 11 andy.

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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So only 5 years late in placing the default:wink:

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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wasn't there a whole portfolio of the MBNA cards that were sold in 2011/12 to max recoveries/eversheds etc wasn't it

and there was something dodgy about the whole sale.

 

the 2012 default on this one tallies with that time period

so MBNA defaulted the lot and sold them on.

 

was there not also something about Fairfax becoming drydenfairfax too them later only drydens they dropped the Fairfax bit.

 

i'll have to go search credit today I think it was

there was some naughty exposure of directors etc..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... 

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Share on other sites

I dont think MBNA have ever managed to to get the process of default correct to this day or understand the CCA1974.

 

It could be that they have changed name to drydenfairfax...but its irrelevant they shouldn't have any contact with credit reference agencies

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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no correct, but they'll just change it to max recovery.

 

somethings twitching my spider sense on this

 

it'll come to me.

 

sure it was a court claimform thread 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

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

According to Companies House Fairfax Solicitors Ltd was dissolved via voluntary strike-off 01 Oct 2013,

 

Your Credit File should reflect the owners name IE Max Recovery Limited....Solicitors shouldn't have access to credit files...they are not a creditor nor do they hold a credit licence .....nor the assignee of the debt....or anything in this case being dissolved.

 

What date did you actually default on the agreement when it was was with MBNA ?

 

Regards

 

Andy

 

The account is showing on the entry that it went into default on 3rd August 2012.

 

This date is wrong because I actually defaulted on the 1st June 2012 when the IVA came into effect.

 

The debt was then sold sometime afterwards to Max Recovery Limited.

 

I telephoned Drydensfairfax Solicitors yesterday and they did confirm it was them showing on my credit file.

 

So legally, where do I stand with this issue?

 

Can I sue Drydensfairfax for damaging my credit file when they don't even owe the debt!?

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"The account is showing on the entry that it went into default on 3rd August 2012.

This date is wrong because I actually defaulted on the 1st June 2012 when the IVA came into effect."

 

Ah so its not recently been placed by Fairfax in May 2017..but was entered by MBNA on 3rd August 2012..it is normal to be 2/3 months after default.

 

You cant sue Drydensfairfax ..they haven't damaged your credit file...but simply inserted their name in place of MBNA after the debt was assigned.

 

Your only argument is that it should be Max Recovery and not Fairfax....not that it makes much difference to you,,,but the ICO may be interested

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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