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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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    • 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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unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter


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Hi All

 

Received a letter from Mortimer Clarke today regarding a debt to Cabot Financial.

 

Letter claims their client obtained a judgement against me on 04/02/2016.

 

First paragraph says "Because you have failed to pay the judgement debt in accordance with the terms of the judgement our client is now entitled to take action to enforce the judgement order against you. Our client has instructed us to apply to the County Court for an Attachment to Earnings order to be made against you."

 

Final paragraph says "If you do not contact us within 7 days , then our client has instructed us to apply for an Attachment of Earnings Order against you."

 

Notes:

 

1. I have checked Trust Online for my current and previous 3 addresses and there are no ccjs registered against me.

 

2. I did not receive any correspondence threatening to take me to court, advising I was being taken to court or asking if I wished to defend and finally I did not receive a judgement.

 

3. The letter makes no mention which court they obtained the judgement from or any judgement reference number.

 

4. The debt is from 2007 and I believe it may well be statute barred now.

 

Can anyone provide any thoughts or advice on how I should proceed at this point?

 

kind regards

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have you the CCJ number

it will be an alpha numeric code

 

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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that'll be it.

 

give northants bulk a ring in the morning

ask for a copy of the claimform and the CCJ by email PDF

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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Will do, so do this mean they do have a ccj? and can I fight this in any way as I was not in any way notified of the claim or the judgement?

 

I moved address in April 2016 after judgement date and have had mail forwarding since moving

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I moved address in April 2016 after judgement date and have had mail forwarding since moving

 

I believe the court forms are do not redirect? OR maybe im mistaken here....

 

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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yes you can fight it esp if its statute barred

very easy to do

and you should get your fee back too if you are clever.

 

lets see get the info 1st.

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 have now received data from Nottingham.

 

Particulars of claim state:

 

By an agreement between Welcome Finance and the defendant on or around 30/11/2006. (the Agreement) Welcome Finance agreed to lend the defendant monies.

 

The defendant did not pay the installments as they fell due and the agreement was terminated. The Agreement was assigned to the claimant. The claimant therefore claims the sum of.....

 

Claim was issued 11 January 2016.

 

Judgement states:

 

You have not replied to the claim form. It is therefore ordered that you will pay the claimant £..... plus interest to judgement date in installments of £50 a month.

Judgement is dated 4th February 2016.

 

The claim and judgement where sent to an address I left in January 2009. Amazingly they now seem to know my current address.

 

Any advice on how to proceed from this point greatly welcomed.

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As i thought, claim issues to old address and suddenly they've found your new address. :(

When was the last payment made to this Welcome Account? Important in case this is Stat Barred

 

This must be LOADED TO THE TEETH with charges you could reclaim?

 

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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what's cabot doing with a welcome finance debt?

don't think they bought any of those in any portfolios ...

 

last payment date 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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Last payment was February or March 2011.

 

Charges on debt are:

 

£207 in costs and approx £600 interest. Interestingly, claim has 2 tables showing costs. One states Total Costs £207 and the other states costs £105 court fee and £80 solicitor fee. If the breakdown of costs is intended to equal total cost it is £27 short. Fees and interest represent 35% of total judgement

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so wasn't statute barred then.

 

the stuff FK is going on about is from welcome

 

every welcome finance loan/debt will be 90% insurances and letter and default fess etc

car 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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you mean a shopacheck doorstep loan

that would make sense

 

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

Further research reveals that I was making payments as part of a CCCS plan. I stopped paying this plan in February 2011 (made redundant, marriage collapse - life pretty much fell apart).

 

Strange thing is first payment to plan was in July 2006 which is 4 months before the court claim states I took out the agreement with Welcome.

 

Any advice on what to do?

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was the a doorstep loan or you said cash, do you mean just a std welcome loan for a few grand to prop you up

then you fell on hard times hence CCCS time..

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 strange they don't usually get them.

 

have you had an N56 form from the court yet.

or is this just a willy waving letter by cabot?

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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as far as i'm aware...

 

you could use N244 and get it set aside but you'd need a reason for the set side [serving to an old address is not good enough if you did inform CCCS of your new address before you finished with them or you moved after that date]

 

you'd also need a defence for the actual debt, them not now having enforceable paperwork, it nulled by the default judgement sadly.

 

I believe there a way using the N56 when it comes from the court by disputing the debt that way.

i'll or you'll have to read up

but await the N56 no need to do anything else.

 

have you got all the paperwork still?

if not send welcome finance an sar get it all

like statements etc

 

READ the sar 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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Thanks for the advice so far.

 

i would wish to avoid an attachment to earnings.

 

Once I receive the N56 is it too late to agree are payment structure with Cabot if making an arrangement to pay proves my only path?

 

if I have to agree a payment figure can i just use the one ordered by the court or will I have to go through an income and expenditure exercise?

 

can I use errors in the court claim to my advantage?

 

if required is it possible to avoid paying the extra costs and interest that have been added?

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the N56 IF one comes has an I&E as part of it.

 

no you cant object to the interest added by the court if the judge agrees it.

 

id get that sar running

it could reveal gold

 

just remember their letter is willy waving..

 

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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You have 2 options......

 

You can ring them within 7 days and confirm you will start paying the £50 from X...assuming they are not bluffing re AoE..

 

If they wont agree to that .....state you will suspend any AoE application and make your own application N245 to reduce the figure to £25 per month.

 

Regards

 

Andy

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