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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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Moved to Canada Student Loan


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I moved to Canada 2 years ago as a Permanent Resident and I've been paying the SLC for the last 18 months but now I've had a private loan recalled (father in law) and I can't make payments to him, MBNA UK (£10,000 on 0% credit card) and the SLC.

 

I've decided to pay my family and MBNA but I want to know what damage the SLC can do to me. If not paying the SLC is going to ruin my credit then I'd rather lump it all in and default on the MBNA too so I can pay this private loan back quicker. If not I'm happy to pay.

 

I get my citizenship next year and it's unlikely we will be returning to the UK. Ireland at some point possibly but not the UK.

 

Loans were taken 2005, 2009-2012. Totally £21,000. Outstanding is £15,000

 

Thanks in advance.

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Do SLC know you are resident in Canada ?

 

Debts are not often enforced outside of the UK. Ireland would be easier if you moved there, as there is more cooperation between Ireland and UK. In theory UK debts can be transfered to Canada as there is a Commonwealth agreement on debts, but i very much doubt it would happen.

 

If you stopped paying SLC, a default debt amount of arrears would be created and eventually the debt would be sold off and if you came back to UK or Ireland if might be subject to court claim. And the debt would always be capable of court action as they are not affected by limitations law.

 

It might be sensible to write to SLC just saying that you are resident in Canada and will have to stop repayments until further notice, as you have other debts which are currently causing you problems.

We could do with some help from you.

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id stop MBNA too.

 

 

nothing much any UK creditor can do to you...

 

 

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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Thanks for the replies guys.

 

A few questions regarding MBNA:

 

1. Is it better to get a CCJ or to tell them I'm in Canada so they can't?

 

2. I want the 6 year countdown to start ASAP, what's the best way to make that happen?

 

3. MBNA have a presence here in Canada, will they try and use their Canadian arm to reclaim a UK debt?

 

Last question is theoretical.

 

If I continue to make payments to MBNA for a few months but happen to build up debt on other cards

- would this be any worse than simply defaulting on the one?

 

I mean my credit record is going to be ruined in both cases.

Theoretical question of course...

Edited by dx100uk
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Thanks for the replies guys.

 

A few questions regarding MBNA:

 

1. Is it better to get a CCJ or to tell them I'm in Canada so they can't? they cant you're in Canada.

 

2. I want the 6 year countdown to start ASAP, what's the best way to make that happen? stop paying.

 

3. MBNA have a presence here in Canada, will they try and use their Canadian arm to reclaim a UK debt? - nope they wont even know

 

Last question is theoretical.

 

If I continue to make payments to MBNA for a few months but happen to build up debt on other cards

- would this be any worse than simply defaulting on the one?

 

I mean my credit record is going to be ruined in both cases.

Theoretical question of course...

what credit record uk or Canada?

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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only UK debts would show.

and they cant harm you in Canada

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

Regarding the CCJ - they still think I'm in the UK - statements are going to my parents address. Should I tell them or keep shut?

 

 

you legally should have informed all your creditors you are resident in Canada the day you were.

 

 

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

Regarding the CCJ - they still think I'm in the UK - statements are going to my parents address. Should I tell them or keep shut?

 

Worse thing you can do is hide abroad and not tell UK creditors you are not resident in the UK. That means it is very likely they would get a UK CCJ in your absence using your last known UK address. It is then much easier to transfer a UK CCJ to a court in Canada. Much more difficult to go straight to a Canadian court without a UK CCJ.

 

Suggest that you write to all UK creditors giving them your Canadian address and a copy of something proving you are a resident in Canada. If you need to stop payments, then do so and advise UK creditors. It is very unlikely any action would be taken against you in Canada. You will get debt collection letters, but that is probably all. No afffect on your Canadian records.

We could do with some help from you.

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  • 5 months later...

Quick update.

 

Let all my UK credit card companies know that I'd moved abroad - kept written confirmation from all of them of this.

 

Student loans company managed to track me down to a new rental apartment

(pretty sure my old landlord just gave them my forwarding address

- probably the new tenants panicking over the red letters).

 

So far they've sent about 4 letters with big scary red bars saying further action will be taken.

They also call from Scotland occasionally

- I know it's them because it's a withheld number.

The left a voicemail once but they don't bother anymore.

 

I'll be stopping the credit cards in Feb so I'll expect them to start hassling me at some point.

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  • 7 months later...

New update.

 

Student loans were transferred to Transcom who called about 20 times over 4 months. I ignored the calls.

 

 

New letter arrived about a month ago saying the debt had been transferred back to the SLC. They've been silent since.

 

 

 

I also stopped paying all my CCs about 4 months ago. Total debt is around 30,000GBP. Getting letters from these 3 creditors every 2/3 days.

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I lived in Canada, had UK debt companies chasing me. I can confirm they can't do anything to you, and it will have no effect on your Canadian credit file.

We could do with some help from you.

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I lived in Canada, had UK debt companies chasing me. I can confirm they can't do anything to you, and it will have no effect on your Canadian credit file.

 

 

Good to know.

 

 

My only regret is not doing this earlier. I'd be 3 years in to the 6 year credit report cutoff.

 

 

I don't plan on returning to the UK anytime soon though.

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Fair enough, but as they say, Man plans, God laughs.

 

But just on an even more reassuring note for you, just in case.

 

Not one of the UK debts who were chasing me in Canada, ever took anymore action than threatening letters even when I came back to the UK. I returned 9 years ago and they are all off my CRA files and long since statute barred by now.

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 OTHERS

 

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  • 2 months later...
  • 5 months later...
  • 5 months later...

I had a letter saying the debt was transferred to a local collection agency but not heard anything since.

 

I am over a year in arrears. Just stop paying they aren’t going to do anything

.

 

 

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8 hours ago, gingertwist said:

Wondering if you have any updates on this? 

 

Been in Canada for 3 years - been paying back UK debt and SLC. 

 

Its crippling me with the currency conversion.  

create a new topic

tell us about the debts

 

hit create in the top red banner

 

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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please create your own topic gt.

dca's are not bailiffs

list your debts

 I bet most are unenforceable inc the slc loan

stop being cash cowed!!

 

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

9 hours ago, gingertwist said:

Just a couple more questions.... 

 

A local one in Canada or UK? 

Has it effected your Canadian credit? 

Are your parents recieving letters at their address? 

 

I don't want to screw up both credit files and I don't particularly want my mum ringing up telling me some Goon has tried to take her stuff 😂

 

Not sure what you mean "local" in Canada or UK? All my debt is in the UK.

 

If you're here on a permanent visa, that is PR or something that even leads to PR then I would just stop paying them once you have told them that you are no longer in the UK. I left behind over 20 grand in credit card debt and 15 grand in SLC debt and they have not taken any action other than letters and phone calls in the last 5 years.

 

My only regret is making payments the first 2 years I was here. I should have stopped paying immediately as then I would have been able to buy a house sooner.

 

Parents received letters until I updated my address and now they no longer get anything.

 

It doesn't affect your Canadian credit record (I have good credit in Canada).

 

I'm a citizen here now and have no intention of returning to the UK.

Edited by poutine
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Transfered to local collection probably means absolutely nothing. Standard letter for debtors who have moved abroad, which might raise fears of some local agent contacting them in Canada or wherever.  There are some people who would panic and make contact with UK debt owner, which is what the letter may be designed to achieve.

 

Debt collection agencies in most countries have enough domestic debts to collect and would not get involved with foreign debts. Too complicated and unlikely to collect anything to even cover their costs.  

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 OTHERS

 

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To clarify. The student loans company passed the debt to an Ontario based debt collection company who hasn’t contacted me and who I would ignore if they did as the debt isn’t recognized in Ontario.

 

Even if the debt was transferred to Canada it likely wouldn’t affect your Canadian rating. The system isn’t setup to log foreign debts. 

Edited by poutine
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Have moved Gingertwists posts to their own thread, as is the practice on CAG, as we don't want things to become confused.  No doubt Poutine will add replies to Gingertwists thread, if they can offer any help.

 

Gingertwists new threads link.  https://www.consumeractiongroup.co.uk/topic/418670-moved-to-canada-with-debts/

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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