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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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Provident loans help


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Hi I.m new here and need help .

 

 

Over the yrs me and the wife have had provident loans

we have defaulted 3 times on them for thousands over the yrs.

They still lent to us mind.

Over last few yrs we have never missed a payment but got our self in debt with them.

 

To the point we paying £200 a wk in repayments over long term.

We kept renewing loans for more to keep money in our pockets it would last us a fee wks until next renewal to the point that we are at the limit.

 

We did pay it off once to lower payments and renewed straight away then to get more money back but this is how we got to the limit .

We paid off with our Christmas no ey borrowed 2 wks later to get our money back but borrowed even more .

 

My wife as aspergers and she hates not paying it especially as we know the agent as live locally.

We on benefits which as been stopped at moment due to change over from was to income support not had money for nearly 3wks andooking at another fee wks before it's sorted.

 

We missed last wks payment they been fine with it and going to try and help but can't afford to pay it back at all.

My son and daughter been helping is out for so long even my son's boss giving is money to lend .

 

CAB just told us to contact them to make arrangement to lower payment but we been told it looks like we been irresponsible lending and between defaults and constantly renewing for more shows we couldn't really afford them they never looked at our money coming in and cause we needed the money for Christmas we lied what we had coming in I know it's wrong but was desperate.

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Ive added spacing to your post...

Welcome to CAG BTW

 

Please read the below in full

Any questions let me know...

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=68285

 

We could do with some help from you.

 

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

 

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def irresponsible lending

 

 

get that complaint running.

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 the pdf in post 2?.........

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 the pdf in post 2?.........

 

Update I emailed the directors yesterday evening

I sent it to every one listed as the ceo

 

 

got returned out of all the names on the ceo webpage.

Only 1 allowed it .

 

 

I then had a look on the other provident pages and found another director and it was sent there aswell.

Got a reply today to say they are looking into our complaints.

 

I have all our books going back yrs and boy I am shocked myself what we.ve had and how they allowed it

at the time u don't see it but every few months, some every wk.

 

Will keep u posted how it goes

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go nail 'em!!

 

 

little dicky bird tells me that the FCA are FERY interested in Provident at present

they've had 100's of complaints from people getting letters from lowells on debts going back to the early 2000's some beyond

that lowells are now chasing and many they are trying to litigate on 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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Are they really

I keep getting chased by them aswell

but thry statuary bard as they are over 6yrs old

I believe around 8/9 yrs

I just ignore them cause I know they can't do nothing

 

 

I also believe provident won't take to court cause of the interest rates.

 

 

From what I can see I have paid what I have borrowed prob 3 times over in the last 6yrs .

 

Only thing I.m unsure of is that I know we been lent irresponsible b

ut in terms of figures how do I break down what I want.

 

 

I have memory problems so what I read don't always make sense of

I can't absorb the info to make sense without someone telling me what it is I need to do so if anyone can help i.d be greatfull .

 

 

Just need to explain what it is I need to calculate so I can get someone to do this for me

 

 

cause without knowing I can't explain to the other person.

If that makes sense sorry for so many questions.

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didn't say provi take you to court

ofcourse they don't

I was relating to lowells

they will and do

 

 

they send out 1 or 2 letters to an old address

then if they get no response

they issue a speculative claimform.

 

 

matters not if its Statute Barred.

if the claim is not contested

no human looks at it

rubberstamped default judgement.

 

 

1st people know is a judgement for claimant magically arrives at their correct address

that's why its SO important to update debt owners of a change of address

 

 

750'000 claimforms are issued every year

more than 85% are never contested

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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Thank you I.m not sure what I.m suppose to be asking for in the reclaims.

 

 

I.ve for certainly been lent money irresponsibly.

Loan renewed as soon as possible.

 

Numerous loans a yr

some every other wk started at £100 raise to fee hundred then to the 1000 to 2000 .

 

 

No loans paid off all together always renewed .

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perfect complaint then

off you go read the guide

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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Irresponsible lending - probably.

Irresponsible borrowing -certainly IMO

Wanted loans for Xmas etc - sounds like a tenant?

 

 

What would you have said/done if Provident had rightly turned you down for a later loan?

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With paying them so much every wk we had no money left for savings and what's wrong with being a tenant anyway we can't all own our own houses.

Plus isn't taking numerous payday loans out no different

 

 

so you saying people who keep talking pay day loans with numerous companies it's their fault for taking the loans out .

Even though your taking one out to allow u to live for the next few wks.

 

 

No need to judge us ,we already told provident we hold some responsibility in the emails.

But perhaps you should be on this forum if you can judge anyone so quickly

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  • 9 months later...

If we have helped you win please consider a donation

Off to the fos then

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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