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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 chasing an old MBNA debt I don't recall having


Shazzadms
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A google search led me here as I'm in the same boat as MadMat.

 

I received a call yesterday, 21.11.17, from Cabot and the caller asked if I was free to speak to which I replied 'absolutely not'.

 

This was true as I was just leaving for work at 07.45.

 

Today I received a letter dated 17.11.17 saying they have recently confirmed I live at my address.

 

I am in the process of moving house and can only think that the company that did the tenant referencing (I had to supply 10 years of addresses) passed my details on because I'm usually careful about sharing my details.

I have had no credit cards or loans since 2006.

 

I have held my hands up when contacted about my debts, had 3 CCJs, one now paid off, and 11 years on I'm rebuilding my life so this is ....!

 

Would sending the statute barred letter not be acknowledging the debt and potentially open up another route to a CCJ?

 

Also what is the link to the statute barred letter?

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its called a phishing attempt. They dont enforce legit debts, so ignore for now but do your homework.

 

Theres no point sending a letter if you dont know what the debt is about, and if they want to enforce it, then they have to provide details of it.

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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urmm...you cant UN bar a debt

not even a judge can

 

whats the debt all about

and why so you think its statute barred

and have you moved since you took this out?

 

because if you HAVE you need to tell cabot your new address

as they'll go for a backdoor CCJ at the old address and you'll know nowt about it

till its too late.

 

yes they can get a CCJ on an undefended SB'd debt

as no human is ever involved

its a rubberstamped default judgement.

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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So should I write asking them for more detail / evidence as I'm worried about another CCJ and 6 year hassle?

 

Perhaps my subject header was misleading but by saying I don't recall it doesn't mean I didn't have the card in question

as I fell into the trap of opening new card accounts with 'free' transfers

and then continued spending on the old card that had a zero balance as I owed more than I was earning.

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Ha ha, good old cabrot, getting desperate for Xmas profit, ignore them, until they act like adults and tell you what it is they're looking for, and even then, come back here before corresponding with them.

 

If they ring, laugh and hang up. Keep a diary of events.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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So should I write asking them for more detail / evidence as I'm worried about another CCJ and 6 year hassle? .

 

ABSOLUTELY NOT!!!!!

 

Why oh why would anyone want to do the work of a sleazy morally bankrupt DCA, let them waste their ill gotten gains chasing their own tails, stay SHTUM!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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so you know what the debt is?

  • Confused 1

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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They say MBNA

- I honestly can't remember if I had an MBNA card as I had just about everything anyone would give me just to be able to buy food and shelter at the time.

 

I know, if I did have and MBNA card,

it would be statute barred as I took a deep breath and dive down in 2006 and stopped paying all creditors just to have some cash.

 

Once I had some cash I acknowledged all creditors that contacted me within the 6 year period.

 

I move next week.

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I would advise, dont respond to them for now. If you absolutely want to, you could send a prove it letter. And keep the SB letter if theyre stupid enough to call your bluff.

 

The prove it letter denies all knowledge, plus puts your address on file so they cant get a claim by the back door.

  • 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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I wouldn't enter into pointless letter tennis yet.

do you know the 16 digit card number?

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 don't know the card number, but they say "we own your MBNA - CREDIT CARD" (Their use of caps) and they want the repayment process to be as easy as possible and will guide me to free financial advice. Clearly CAG isn't on their list

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well if you arenot 1000% sure its SB'd

go ring MBNA and ask last payment date

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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prove it letter is waste of time

 

send our statute barred letter from the debt collection section of our library.

kills two birds with one stone

tells them your current address so no backdoor ccj.

and tells them its a lemon

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

that contacted me..might be the important bit.

though we 've never seen a case lost because of a letter alone...

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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FWIW I sent them the SB letter from the library, and added the line

 

This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise.

 

As I too was worried that they might try to argue that the SB letter itself acknowledges the debt

 

Mat

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eh?

 

if the debt is already SB then you cant unbar it by writing..neither can a judge!!

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

  • 1 month later...

I sent the statued barred letter and Cabot responded with a 1/2 sheet of paper showing I'd paid £35 a month from 24/07/2013 to 30/09/2013 and therefore the debt isn't statute barred.

 

The only match I can make with this sum is that in 2008 I had a CCJ where we agreed £35 / month and I set up a standing order (or direct debit) to pay and after 2 payments were / returned in 2013 I took it that the debt was paid off.

 

Why else would a solicitor's firm stop taking money?

 

My last letter from Cabot dated gave me 21 days to respond and that was dated 18/12/17 but was received 3 days ago.

 

What next?

 

Cabot are a bunch of chancers for chasing a debt I'm sure was paid.

Edited by Shazzadms
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SO you have a CCJ for the debt?

 

Is cabot the named collector on the CCJ?

If not, then tough luck to them.

 

ALso, they dont chase enforceable debts,

so theres definitley something wrong with it.

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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Had a CCJ. I paid £35/m for 5 years,

my last payments were returned so I took it the debt was paid.

 

4 years later Cabot have turned up and no, they weren't the named collectors.

 

I keep seeing they don't chase enforceable debts but I've also read they go sneak through the back door with new CCJs

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Go check your credit file.

 

Also, get on to the court and find out exactly who owns the debt and who the named claimant is.

 

If its not cabot,

then theres nothing they can do if they arent substituted for the claimant.

If they are, then you need to do your homework.

 

You also need to check 100% if the debt was fully paid, and not just a guess.

 

Also,

who was the named claimant you were paying.

A solicitor? if so, who were their clients?

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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do you know the CCJ number?

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

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