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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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10yrs on DMP - was byrom & keely now Stepchance


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Hi,

 

For over 10 years I am on DMP.

 

I started with the company who was charging me a lot for just collecting my DDR and distributing them to my creditors.

 

I have over £ 50k in debt and pay £240 pcm.

 

As me and my husband are retired that money is very needy.

 

I was thinking of stopping DDR and try to sort out the debt.

 

Could anyone give me an advice where to start?

 

If I stop DDR can the debtors put a default on my accounts?

 

after receiving numerous phone call a day I got myself into DMP with stepchange;

 

recently I have discovered consumer action group and I decided it is time for me to act .

 

My plan expires in 2037 and I have already paid them more then they bough my debt for,

 

my question is

do I need to cancel direct debit first or I can send them a debt validation letter?

 

did anyone have similar problem?

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Lets give you advice to get rid of this debt once and for all.

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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list your debts first please

 

original creditor

type of credit

amount owing

who you pay through SC now

defaulted date.

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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it is STEPCHANGE charity organisation, previously I was with byrom&keely but they were charging me £30 per month for just for talking to my debtors;

apparently that charity I am at the moment with are doing for free

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Yes apologies, you're quite right, STEPCHANGE are a FREE charity. (well done!)

 

Your credit file will be trashed anyway, and marked with defaults, or AP markers, have you looked at your CRF?

 

Please list all of your creditors, what the accounts are and rough amounts each one is owed.

 

And WHO you're paying.

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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post 3 please

 

 

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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cabot financial used to be CITI cc - owe them £13430

Moorcroft used to be abbey cc - owe them £3774

nco(Europe) used to be M&S cc- owe them £9564

 

the question is do I send the letters first and them canx DDR with stepchange or do I need to canx DDR first and then send the letters?

 

I just checked my credit report and it seems there is only 1 cc showing /cabot one.

not really understand how it works?

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you don't send or do anything yet till you get you ducks inline

 

who are NCO and Moorcrofts stated clients on their letters 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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Share on other sites

ncoeurope but on stepchange statement is says: nco-arrow/capquest; don't remember seeing any paperwork from capquest thou ; it used to be M&S cc

 

Moorcroft debt recovery ltd ; used to be abbey cc; every year they send me settlement offer and usually it is around £1500 less then my debt

 

don't have any finances so I cant pay them anything

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so the M&S card has been sold to arrows

 

Moorcroft dont own debts so there must a client , I doubt its still owned by abbey [satans bank now}

 

you need to find out who owns the debt

as that's where the CCA request needs to go

one for each card.

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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Moorcroft is managing my ac on behalf of arrow global and abbey probably sold my debt to them;

 

I would like to get advice how to proceed with the letters- shall I keep DDR with stepchange in place and send them the letters or just canx sterchange and then send them the letters?

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ahh... we got there in the end

so

2 X CCA request to Arrows

1 X CCA request to Cabot

 

you don't stop paying till they fail the CCA request deadline

 

12+2 working days.

 

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

I don't have any correspondence from arrow global only Moorcroft as the red bit post 11

 

Thank you very much for your help, will post all my letters tomorrow, recorded delivery, just in case.

 

is the CCA request the same procedure as Conditional Acceptance ?

nope dunno what you mean by Conditional Acceptance

 

don't waste money on recorded delivery

1st class post with free proof of posting at the PO counter will do

 

just do the letter

leave the envelopes open

pop along

get the 3 £1 PO'sat the counter

pop one each in each envelope

seal it hand it back

get proof of posting

then await 12+2 working days.....

 

read the FULL CCA request

and ALL its posts

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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COnditional acceptance is a FOTL trait. The stupid 3 letter crap

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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oh yes

well already advised to not use that Freeman of the land twaddle

so there you go.

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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  • 3 weeks later...

Two weeks passed yesterday; sent out 8 letters.

 

3 of them did not reply to my request;

 

one of them mentioned statutory 8 weeks.

 

PRA group sent me a letter with attached information that even when my debt is unenforceable I still owe them money and if I don't pay it will affect my credit rating and also they need more then 12 days to respond.

 

they all want more time.

 

How long do I need to wait for the paperwork?

any suggestions?

 

Stepchange collected the monthly payment although the once who responded put my accounts on hold.

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Load ole twaddle

They always sprout

 

They have 12+2 working days

If any have failed that

Stop payments

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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They've already all been defaulted haven't they

Or no longer show

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

where did they get 8 weeks statutory reply from?

 

Who cares?

 

They have 12+2 days, we all know that, so do they.

 

If they have failed to respond with the correct enforceable documents, then STOP paying them.

 

You need to tell stepchange which accounts they need to remove and stop paying, otherwise, your CCA requests are as much use as my cat learning Chinese.

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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