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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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PRA Group constantly phoning and harassing for 2 x welcome finance debts I dont owe


asdanemma
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Hi,

I have 2 loans with welcome.

1 was for a car where I was well ripped off,

and the other for a cash loan. There is no HP.

 

My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63.

Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64.

 

I CCA them a few weeks ago and got my original document.

 

Never knew I was paying that much.

 

also got a copy of all payments made since stay of loan in Sept 2007.

 

Interest was added monthly until 05/05/2010 when went to step change. Then frozen.

 

Only 1 fee of £20 for direct debit cancellation in may 2008.

 

I want rid of this debt, feel I've paid enough, or in my calculations only now owe £111.01 minus any extra charges.

What can I do.

 

My next post will be about my car.

AKTIV KAPITAL have not supplied my payments made but my balance is still £6163.23

 

Been paying this since January 2008.

Went to step change in may 2010.

I've looked closely at my credit agreement and there is shortfall extra insurance that I didn't ask for,

and a whole array of confusing figures.

The amount of credit for the goods was 7950.

 

I've been conned and want to sort this out as lost my job, (but am fighting in employment tribunal)

and need to clear up my debts as got loads of them totaling 15k.

Please help

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When you say arrow supplied the cca, what exactly did they send you.

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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Aktiv sent me a photocopy of my original agreements,and for my personal loan they also sent a copy of all payments I have made to welcome. That's it

 

I have attached the front and back of the copy of my loan

Please help

Thanks b

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I'd sar welcome finance pers

 

 

it will be worth the tenner.

 

 

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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60% blimey they got you!!

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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! SAR to each creditor. Only goes to the OC not the new owner. A SAR requests all info they hold on you regardless of how many accounts you have with them.

  • Confused 1

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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yes start a new thread for each seperate debt in the appropriate forum

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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  • 2 weeks later...

send them a CTAX bill

 

 

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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Just to update, welcome have now replied and said wheres our £10. They sent it back so I returned it to them

A lot of Welcome debts have been removed from credit files by the administrators whilst there is an investigation into the company, it doesn't mean the debt has gone away.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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shame, they are playing me though as the £10.00 postal order has been cashed

Welcome have 40 days from the date the payment is received to comply with the SAR.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

HiWelcome are running out of time

 

. What happens when they do?

 

I'll try to keep this short

 

2 x loans ( 1 for car and 1 for cash) was with welcome finance, then went to AKNow with PRA Group.

 

I challenged back in July 2014 when AK took over the loans.

 

I sent a SAR on 10/09/14 to welcome,

they returned it saying i needed ID,

sent back with the £10, they cashed it but never supplied SAR.

They claimed they never got the £10.00.

 

I challenged AK saying not paying and not acknowledging debt as the copy of the original loan agreement that i have that AK managed to get for me show the figures are wrong, lots of scribbling etc and also GAP insurance which i did not accept or take out.

 

I never heard back from AK after Nov 2014 until

i get 2 letters at the weekend from PRA.

 

Both statement of accounts showing figures owing of

Loan 1 Car - £6163.23

Cash loan - £450.86

Both have PRA reference starting AKD.

Are AK part of PRA?

 

The original cash loan was £2000 plus £1875.64 interest ( 60%) plus £75 fee TOTA £3950.64.

I have paid Welcome £3839.63 to date and nothing since Nov 2013.

 

The car figures are misleading but I have attached for you

 

Im not sure what to do,

the letter isnt threatening it just states that i havent paid anything in the last year.

 

Shall i ignore?

Thanks

caragreementpdf.pdf

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  • 1 year later...

Get a sar off to welcome and get reclaiming. They will likely owe you way more than an alleged amount owed to a DCA thats been passed around multipel times.

 

You say they never replied to the SAR... why didnt you take legal action against them back then and force them to comply? Its obvious they owe you and are trying their usual tricks.

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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old and new threads merged

 

it s a statement of account

 

safe to ignore

 

get reclaiming.

I also notice the car loan was a refinance of a previous loan?

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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I didnt chase it as i'd thought it was all sorted. ( Usual bury head in sand thing i guess)

I will send a new SAR to welcome with ID and see what happens

Yes, it was the second car i had bought off them ( and last), was well ripped off but i know i dont owe £6k.

 

So.... I Ignore SOA from PRA Group and re send a SAR to welcome finance?

Thanks

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then your reclaim will be a lot more too.

 

sit on your hands

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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