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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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Paratus AMC Limited have added home insurance to my mortgage without my permission, please help!!


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I rang Paratus AMC Limited to ask what my mortgage repayment would be after the Bank of England Rate raise,

I was not surprised to be told it had increased

but was shocked when I was told Paratus AMC Limited had added Buildings Insurance Premium of nearly £50 a month to my mortgage repayments!!

- which means I would be paying over £500 a year just for insurance,

when the fact is I have my own buildings insurance and much lower.

 

I asked why they had added Buildings Insurance Premium,

I was told it was a legal requirement,

but I've had my own Buildings Insurance in the past

and never had this problem before!

 

Now out of the blue,

Paratus AMC Limited have added Buildings Insurance Premiumof close to £50 following the Bank of England Rate raise.

 

I told them I have my own Buildings Insurance and I want the Buildings Insurance they have added to my mortgage to be cancelled,

but they refused to do so,

asking me to send in the insurance schedule,

so they will check it and then decide if they want to cancel it or not.

 

They also sent me a letter,

detailing adding buildings insurance to my mortgage,

again they should never have done this without asking for my permission

and I don't need it because I have my own insurance.

 

Paratus AMC Limited have added the Buildings Insurance illegally without my permission,

they can't do this and I want it cancelled with ASAP.

 

Please help me draft a strongly worded letter I can send to them,

before my mortgage payment is due later this week.

 

Do I really need to send them a copy of my insurance schedule or will a strongly worded letter be enough?

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yes it will

 

have you all the statements?

if not send them an sar.

 

I bet you've other penalties too?

like late/letter/phonecall fees etc?

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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Hi dx100uk!!

 

I don't understand what you mean by - Yes it will?

 

I don't have all the statements over the years, I think I may have had late penalty fees but I can't remember for sure

 

What steps do I need to do now?

 

I really need to get the letter drafted to cancel the buildings insurance they have added to my mortgage today with your help and sent out before my mortgage is due later this week, time is of the essence.

 

A strongly worded letter should be enough should it not?

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a letter and copy of your ins cert will do

 

get an sar running for the statements as well

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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Please can you help draft up a strongly worded letter and what law have they broken by adding Buildings Insurance to my mortgage without my permission, I could include that in the letter?

a letter and copy of your ins cert will do

 

get an sar running for the statements as well

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don't need to

you are wrongly charging me for building ins when I already have it

please remove it forthwith

or a complaint will be registered with the FOS

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 seems to me that this could be a clear case of mis-selling in which case not only should you receive refunds for all the payments which have been taken but also you should be receiving interest on those payments as well.

 

In addition to that you should be able to recover late payment fees and other charges that you are able to say would not have occurred had you not been trying to cover the unlawful premiums as well.

 

How long has this been going on?

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Arrange buildings insurance with us

 

It is part of the terms and conditions of your Paratus AMC mortgage that you have adequate buildings insurance in place.

 

For more information contact our Insurance Team on 0344 770 8035.

 

http://www.paratusamc.co.uk/

 

 

There is no legal requirement to use theirs (if you did they simply get a bung) nor have you requested it...dont pay it.

 

Andy

We could do with some help from you.

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I did what you told me below, sent letter and copy ins cert, my direct debit is showing the next payment due to be taken out in 2 days to still have their buildings insurance included, they have not taken any notice of the letter I sent. They have not changed the DD amount to not include the buildings insurance, what can I do now :-(

 

I think they will come up with an excuse to not action my letter, please help

 

 

a letter and copy of your ins cert will do

 

get an sar running for the statements as well

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well change the value if you know what should only be paid

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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Either cancel the direct debt...this may inure fees but will get their attention....or ring them and warn them you will cancel it unless they confirm correction of the amount.

 

You have 2 days.....and your bank requires 2 says notice to stop it.

 

https://www.directdebit.co.uk/DirectDebitExplained/Pages/ManagingDirectDebit.aspx

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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well change the value if you know what should only be paid

 

You cant change the value of a direct debit. Direct debits are designed for various amounts over changing dates ( 1 or 2 days)

Your thinking of a standing order.

 

https://www.directdebit.co.uk/DirectDebitExplained/Pages/WhatIsDirectDebit.aspx

 

However if the OP really wants to throw a spanner in the works and your prepared to have a fight with them, go to the bank and tell the bank they have been charging you, without your knowledge or consent additional services.

You can claim back ALL payments made to them under the direct debit guarantee instantly

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If I cancel the DD, I will miss the mortgage payment, it will be a default and will effect my credit rating.

 

I will call them to ask to cancel the insurance, but if they say no or say its too late then?

 

 

Either cancel the direct debt...this may inure fees but will get their attention....or ring them and warn them you will cancel it unless they confirm correction of the amount.

 

You have 2 days.....and your bank requires 2 says notice to stop it.

 

https://www.directdebit.co.uk/DirectDebitExplained/Pages/ManagingDirectDebit.aspx

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I don't know for how long they have been adding the buildings insurance to my mortgage without my knowledge, how do I find out?

 

 

You cant change the value of a direct debit. Direct debits are designed for various amounts over changing dates ( 1 or 2 days)

Your thinking of a standing order.

 

https://www.directdebit.co.uk/DirectDebitExplained/Pages/WhatIsDirectDebit.aspx

 

However if the OP really wants to throw a spanner in the works and your prepared to have a fight with them, go to the bank and tell the bank they have been charging you, without your knowledge or consent additional services.

You can claim back ALL payments made to them under the direct debit guarantee instantly

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I don't know for how long they have been adding the buildings insurance to my mortgage without my knowledge, how do I find out?

 

Check your bank statements to see how much the DD has been taken ? You know what your mortgage payment should be (less £50.00) ?

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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UPDATE...

.they refused to cancel the buildings insurance,

they have taken out the DD with buildings insurance included, which I requested to be cancelled.

 

Their reply was the mortgage is 1 month in arrears,

meaning Nov's mortgage DD is taken in Dec and so on...etc

 

they said my insurance renewal which I sent them started after the date of when my mortgage is normally taken...

e.g mortgage taken on 27th and the my renewal for buildings insurance, started on the 29th which is 2 days after.

Thats their argument.

 

They have told me that Dec's mortgage DD to be taken in next month in Jan will be without their buildings insurance,

but I checked the DD on my account and its still showing the amount to be taken next month in Jan to include their buildings insurance,

they have not changed the DD amount to not include buildings insurance.

 

They sent me a fax to say buildings insurance would be cancelled for the Jan DD, but they have not changed it, what now?

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so for how long have you had your own [years or just recently?]

and for how long have they been charging you for it? [years or just recently]

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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then for all the years you have had your own insurance

they should be refunding their charges and with 8% int added.

 

get a reclaim running.

 

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

so what get reclaiming they'll soon sort it.

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

O.k, but they still have not changed the DD amount for next months payment, what should I say when I ring them up?

I have a fax from them saying next months payment would be lowered without the insurance, but the DD amount due next month is not showing that

 

It wont change until the date its taken.....Direct debit amounts always shows the previous amount taken

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 2 years later...

I received a letter today - my mortgage provider has added house insurance which costs an extra £25 to my mortgage payment from next month. So in effect charging me an extra £25 from next month.

 

The mortgage provider has done this without my permission!! How on earth can they just add house insurance without my written permission to the mortgage.

I already have house insurance in place and sent the mortgage provider a copy of the insurance certificate last month.

 

I called today and they said they never received the letter I sent the 1st class last month, so they have had no choice but to add house insurance from next month and they are saying I will have to pay because they did not receive the insurance certificate and secondly they cannot cancel or change the direct debit for next month (even with 2 weeks still left)

 

Please can someone help me draft up a strong worded letter which I can send 1st thing in the morning and this time with recorded delivery since they claim they never received my insurance certificate I sent them previously to show I have house insurance in place.

 

I'm feeling really angry they have done this and really need your help to draft a letter to tell them they added the house insurance without my permission and to deduct the added house insurance for next months mortgage payment because I'm not paying for the house insurance they have added

 

I'm really stressed out now.....please can someone experienced please help me draft a letter I can send

 

What do I do if the mortgage company say they can't cancel the house insurance from next months mortgage payment or make some excuse up?

 

Please help me

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there is no legal rule that says you MUST have home contents insurance

 

the only thing they can demand you have is BUILDINGS ins.

however even that can be cancelled after things are set up. 

argued for years with my provider about this.

said if you want it ...you pay for it and they have since 2008.

 

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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