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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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Cabot - HSBC Credit Card debt


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Hello All,

 

I have received a letter telling me an old HSBC Credit Card was sold to Cabot Financial today and that they would be in touch shortly.

The account is not statue barred.

 

Whilst I am happy to enter into a repayment plan,

I want to make sure that they have all their ducks lined up and have all the correct paperwork.

 

I originally had a dispute with HSBC after they blocked the card on Christmas Eve and that very nearly left me stranded Birmingham Airport over the Christmas Period.

 

At the time there were plenty of funds available on the card and it was the only card I had on my person at the time.

 

Long story short

I phoned them on the day asking why the card was not working and noone could explain it to me either.

I was promised several callbacks which they never made and a resolution the same day which also did not materialise.

 

As I couldn't buy the train ticket I needed,

I had to take several buses to my Christmas destination which in all took over 10 hours to complete a 60 mile journey.......... :mad2:

As I hold an ENCTS pass this journey cost me nothing but did cause considerable inconvenience at the time.

 

I made a complaint at the time and whilst they acknowledged the complaint,

they did not respond and when it came to them wanting something (i.e. to pay the bill) I refused until the complaint was resolved to my satisfaction.

 

Apparently they had nothing on file and still did not know the reason for the failure of the card.

This contradicted what I was told on the day of the failure which was

"A Back office team is working hard on this as we speak and it will be resolved shortly"

which now appears to be from my perspective a complete lie.

 

Fast forward to the issue at hand now,

I received a letter that the account has been sold to Cabot Financial and that I will begin a game of letter tennis within the coming days.

 

How is it best to proceed from here.

I don't particularly want to furnish Crapbot with too much information.

But I'm happy to do my homework and see what happens.

 

Debt is for a Credit Card approx £1,800

I don't doubt for a second that Crapbot will take legal action eventually

but I'd rather give them notice as it were that I know how to handle this matter.

 

I'm thinking just a bog standard CCA Request uncrossed postal order and see what they come back with?

Perhaps a SAR to HSBC as well?

This is how I spend most of my life :ranger:

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CCA them. cabot dont chase enforceable debts. If a CCA comes back that complies with things, then you cna research other avenues.

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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Yeah I thought that would be the case, I've read through several threads and the consensus is Cabot deal with Lemon Debts so then picking it up is not necessarily a bad thing.

 

Ok CCA in the post tomorrow and see what they come back with. I know they'll be some penalty charges on there too from around 2013 so thats another avenue to explore if they come back with anything.

 

Thanks :)

This is how I spend most of my life :ranger:

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sar HSBC too

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...

HSBC SAR'd and CCA Request sent to Cabot. Both have been received by the retrospective parties.

 

Had a response from Cabot today saying they can't provide the CCA in the required 12 days but expect to have it within 40. They go on to write "In the unlikely event we cannot source the documents we will write to you again"

 

Happy to post the letter up but seems like a very generic response that most people get (from reading other threads) when sending CCA requests to Cabot.

This is how I spend most of my life :ranger:

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Cabot know they only have 12+2 not 40. theyre very unlikely to get a compliant agreement, and if they do, then something else is fishy with the debt.

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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  • 1 month later...

No response from Crapbot to date. However HSBC have sent me their SAR bundle.

 

I've had a skim read through and there is no copy of the CCA, even a reconstructed one from the time of inception. I'll take a more detailed look when I get home and can examine the documents more thoroughly.

This is how I spend most of my life :ranger:

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tough luck on cabot then!!

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 months later...

Cabot have replied saying they could not locate the CCA and thus the account is unenforceable in court. They have naturally invited me to setup a payment arrangement as I am still obliged to repay them...

 

They stated they would keep trying to locate the documents and did not return the £1 PO. Is it worth writing to them again asking them to return the fee as they cannot comply with the CCA request? Or should I just completely ignore this until their next move?

This is how I spend most of my life :ranger:

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return the fee, come could on write cost you a £1.00. to do so, ha ha look they are having a problem then that is their problem - long may it be the same !do nothing

 

 

do not try to be clever as that may invite them to be more aggressive

:mad2::-x:jaw::sad:
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I thought that would be the advice given and it's good advice. So I will do nothing until they try something.

 

I had an off day and felt like rubbing salt into the wounds for failure to comply with CCA. But in hindsight that will only bite me in the long run, so just going to see what happens.

 

Interestingly they stopped phoning me the moment they got my CCA request so I think they know I've found CAG :madgrin:

This is how I spend most of my life :ranger:

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