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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Debts no longer on Credit File scotland - can they re-appear?


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Hi All,

 

After many years of stressful negotiations, hard work and lots of help from people on here - I have had a clean Credit File for the past two years. All of my old Debts are off and I have been able to move on with my life credit wise(ly). :)

 

There are a couple of accounts still active on which I am just paying a token amount of £1 on. I wont go into the details, but basically I'm going to stop paying the token amount - my total Debts add up to about £7k over 5 or six accounts and the amounts vary from £200 to £2k.

 

Basically, I'm just going to stop paying them. They have been getting paid for around 10 years and really, I want to put it all behind me for good and move on.

 

My worry is, if I stop paying them - although they are off my Credit Account, can they reappear in the form of a CCJ etc if the DCA brings action against me?

 

I'm not asking for a morally opinionated answer, but rather a can they come back to haunt me ?

 

Thanks in advance!. Scotty

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And now for my longer answer - They cant, but a DCA may try its luck by changing the default date etc

This is wrong and shouldn't happen. It happened to me with Lowell..

 

Yes a CCJ could appear but you wouldn't let that happen now would you? :)

You need to defend if it comes to it.

 

Finally tell us more about said debts... I think we could be off some help :)

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**Fko-Filee**

Receptaculum Ignis

 

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Perfect answer - yes it would be aggressively defended. I have had all that nonsense thrown at me before in the past. Fear tactics, doesn't phase me. As long as they can't "legally" enforce it.

 

I did call and settle a few at 50% of the value, but now, I just want to move on.

 

Debts are 2x old mobile contracts from about 8/9 years ago, less than half the value left, banks loans and overdrafts and an old credit card, again all under 50% of original value. I think I've done my time :) All are with DCA's.

 

Provident were crackers - kept registering late payments for 4 years when it should have been defaulted. Went through the whole process with them and they refused to mark as defaulted. FOS upheld my complaint, got them to remove it, write off the value and pay me compo haha!. Only time the FOS have found in my favour right enough. Another two went all the way up to a court date before the DCA's/Solicitors gave up. Its ridiculous the tactics they pull.

 

Thanks for the info :)

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Thats fine - If they do court this time time - Rules changed on 1st October - So potentially less likely to go for it! (Maybe...)

 

Tell us who the debts are from, who they are with etc

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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haha, yes I know, can't explain it myself.

I think I had one account with £1.12 in it.

The rest were frozen. They must not have offset it.

 

British Gas had the cheek once to send me a cheque for 2p! Lol, that is a story and a half and two years of absolute hell.

 

They sent an Engineer to disconnect my supply and I invited him in and explained to him the hassle I had with them. (My wife was seriously ill).

He said, son, i'm on your side, i wish you all the best and walked out LOL!

It;s all funny looking back, but at the time, was one bloody stressful time of my life.

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They can’t reappear as the original debt.

They could reappear as a CCJ ; and since you were making ‘token payments’ they won’t be statute barred.

 

They’d have to be:

a) enforceable

b) successfully taken to Court for a CCJ,

first though.

 

Any that you think they likely would get a CCJ on that they serve a claim form on : consider agreeing a Tomlin Order instead?

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Thanks Bazza

 

I will just see how it goes and if it comes to the worst, make a settlement offer. I should be able to do that if they come a calling.

 

Also, I find when you dig your heels in, they tend to just fling it around like a used toy to other DCA's for whatever pence in the pound - so any offer to get it off their books should be welcomed - I would hope.

 

Will need to look into this Tomlin......

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moved to the dealing with debt in Scotland forum.

 

 

just ignore them

stop panicking...

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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