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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.  
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    • 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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Cabot re lloyds credit card -Illegible agreement - comments please!


senequier
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Hello anyone out there who knows what's what re CCAs and DCAs etc

- will cut short a long story,

 

 

an original creditor defaulted me 2/3 years ago on a credit card debt,

on assigning the account to a DCA, registered amount owing at £0.

 

DCA wrote demanding payment of original debt and I replied giving reason I believed debt to be unenforceable - DCA replied saying would look into this and usually required 4 months to do so.

 

At end of 4 months, I noticed DCA had 'updated' the default, with original amount said to be due, without notifying me, this being some 5/6 weeks ago - still have had no reply from DCA

 

 

- is this in accordance with any of the various terms of credit card acts etc?

- or should I have been written to prior to default being updated

 

 

- I did read somewhere you could only be defaulted once per debt-

 

More than grateful for any comments on this - thanks in advance.

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they will update the Default with their name BUT the original date/amount stays the same they are now the new owner,

 

Unenforceable is no in court (if correct) but the factual situation i.e. monies owed stands for 6 years on a CRA report, just means if only if pre 2007 then the enforceable/unenforceable question comes into play i.e. actual signed agreements etc

:mad2::-x:jaw::sad:
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Hi senequier and Welcome to CAG

 

I have moved your thread to the appropriate forum...please continue to post to your thread here.

 

Regards

 

Andy

We could do with some help from you.

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DCA's are powerless, and they're definitely NOT bailiffs.

 

Who is the card with?

 

Have you reclaimed any of the penalty fees and charges that may have been added to the account?

 

Have you sent them a CCA request, in writing?

 

Stay OFF the phone, only deal with this in writing, if they ring, laugh and hang up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for reply Bazooka Boo

- original creditor passed this to various DCAs

- I asked last one for copy of CCA

,nothing was forthcoming,

and DCA then told me they were passing account back to OC

 

;OC sat on it for some time,

then wrote to say debt had been assigned to new DCA

(should I say who debt is with now - not sure,new to this);

 

I told new DCA, now owner of debt ,this was why I deemed it unenforceable (pre-2007 card) -

 

this is when they said they had a time scale of 4 months to look into matter

- at end of 4 months ,default updated, but nothing sent to me in writing, now 5/6 weeks after.

 

No penalty fees or charges were ever added ,for reasons unknown.

All best,S

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OC and present owner 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... 

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ok so lets resit this

 

cabot bought the debt

 

Lloyds defaulted it and sold it

when they did, it will show £0 as they've written it off

and reclaimed it against ins/tax .

 

the Buyer will inherit the defaulted date and can update it but not change it.

the balance is however still outstanding so they can report it and doesn't have to tell you anything

 

CCA request time me thinks.

 

when was the card taken 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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Sit on your hands, withhold any payment you're currently making.

 

Have you evidence of sending the CCA request?

 

Which DCA did you request the CCA from?

 

Have you ever reclaimed all of royds fees/charges on this account?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you for that - card originally taken out Jan 2003 - I have pointed out to Cab some 5 months ago that no CCA was produced by a previous DCA acting on Lloyds' behalf,but I have had no reply to this.

 

- haven't made any payments since 2012

- have copy of letter dated May 2015 requesting copy of CCA from a previous DCA (Robinson Way) ,

 

reply from DCA same month saying they were requesting it,

followed by two more letters saying still requesting it,

before final letter saying simply they were handing account back to OC.

 

Have never claimed any fees/charges as it seems the last balance has stayed the same. Many thanks again,S

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Then, IMO, you should ignore anything that anyone sends you regarding this, until they have satisfied your request for the CCA then they're unable to take any legal action.

 

All though they like to push the limits of legislation they will undoubtedly continue to act with near impunity until such time it is pointed out to them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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One final thought (for now) Bazooka Boo

- if an OC has been unwilling/unable to produce a copy of a CCA for some 18 months

(I read somewhere these should be produced within 12/14 days),

 

and then produce one,

how can one be sure this has not simply been rehashed somehow?

 

Obviously,it must be pretty easy to reconstitute just about anything?

All best,S

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A reconstituted version will not contain your signature.

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

 

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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If cabot have the debt, then something is definitley wrong with it. They rarely ever enforce legit debts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ha ha

 

will keep you informed as we go along....but,thank you renegadeimp!

 

Thank you,theoldrouge

- have just printed that off

- it's just that after,say,20 months,I would be mighty suspicious of whatever might be produced -

 

- have just re-read your link a bit more slowly,and it seems firms have amazing licence in reconstituting agreements

- a 'true copy' does not mean a true copy,

no signature required,

Ts and Cs just need to be those applicable at the time etc

 

 

- I read all the time of copies of CCAs not being produced on request, thereby rendering debts unenforceable, but if it's so easy to rehash an agreement

- or should I say reconstitute

why don't firms rehash more and enforce?

- any opinion?!

All best,S

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enforceability under the CCA is one thing

if a recon would stand up in court is another totally different animal.

 

esp when many of the parts of the recon were not 'what' the punter actually received

but what they found in old filing cabinets and typed on punters details to try and kid them.

 

a recon must be authentic, not a bodged up fake using cut n paste.

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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If you have not ever received statutory notices headed “Notice of Default sums” which apparently should be sent at least once a year, how big a deal is it?

 

 

I assume it would not render a debt unenforceable

- if any such notices were sent in my case,

they would have been sent to a company who purported to have taken over my credit card debts (for a fee)

- this company ceased trading so the various card companies started to come back to me.

Any comment gratefully received.

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Notice of default sums

 

Section 12 of CCA 2006 applies to situations where a debtor or hirer under a regulated agreement incurs a default sum.

 

A creditor or owner must give the debtor or hirer a notice in the specified form when a default sum becomes payable as a consequence of a breach of the agreement.

 

This only applies where the default sum exceeds a specified amount.

 

Additionally, a creditor may only require a debtor to pay interest (in connection with a default sum) 28 days after the day the notice was given to the debtor. So if the creditor fails to give notice to the debtor then he cannot enforce the agreement until notice is given.

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