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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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Full & Final Offers


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Hi Everyone,

 

Just looking for some advice on the above please?

 

I have not worked since April due to illness and it doesnt look like ill be back at work anytime soon.

 

I have quite a few debts as i had a good job and good salary when i was working.

I havent paid any of my debts since May

i have now hit 6 months with no payments.

 

I have sold my house as managing the mortgage was also a hindrence due to my current situation,

 

i have some money that i have from the sale of the house, its probably about 70% of what i owe out.

 

I just want some advice on how i should approach the above.

 

Some of my debts havent defaulted yet,

should i wait til they have,

should i offer the companies now,

should i wait longer,

 

im currently at a loss as i dont think my situation will change soon

but i also feel a lot of stress due to the situation as its a situation i have never been in before and want to try and remove it as soon as possible.

 

I havent communicated anything to any of my creditors yet

which i know is wrong

but i just havent known how to face this situation or where to start.

 

Thanks in advance for your replies and help

 

Debts are currently 40K and are all unsecured credit card debts.

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well don't go rushing to pay anyone.

 

can you list your debts please

 

Original Creditor

type of credit

who owns the debt now?

outstanding balance

defaulted date

 

go look at you credit file 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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Lloyds credit card 8000 - wescot

Lloyds OD 2000 -wescot

Cap One Cc 12000 still with cap one

Barclay card 5000 still with Barclaycard

MBNA 7000 still with MBNA

Very 3000

Three 500

 

I think only the Lloyds is defaulted so far and maybe MBNA

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Well ignore wetcloths totally

They don't buy debts

 

Take out dates 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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send all of 'em our offer letter of £xx for xxmts

if they freeze all charges and interest

 

its in the debt collection section of the library

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's because they are letter templates...

find the one I pointed 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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typically if they are with the OC's still no.

 

under FCA rules they must help you.

 

get those letters running.

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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Check your credit file, and ignore wetcloths entirely, deal direct with Lloyds.

 

Keep a diary of events also, and have yo the running history of those Lloyds accounts? Esp the O/D, have you reclaimed any of the fees/charges if there are any?

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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I haven’t got a run of the charges or anything in all honesty.

 

I logged onto the online account but it looks like it’s now been taken off there.

 

I saw a template in the documents section that’s asks for a refund of charges etc since hardship and was contemplating using that to try and get some refunded if possible. Do you think that would help?

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I would send an sar first

 

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

all the statements

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

When you are suffering from ill health, the last thing you need is a load of stress from worrying about your debts and how to keep paying each month.

I think it would be far less stressful for you if you write a letter to each creditor and inform them of your ill health and that you currently have access to some funds and you would like to offer a settlement payment in full and final payment of the account, and can they please provide you with a figure that they would be willing to accept as a full and final payment to settle the account, close it and mark the balance as ‘0’ on their internal records and your credit files.

Do you know if there is an PPI on the accounts/agreements?

If your ill health is not likely to improve in the future, the funds you have available now might not be available and if you default on the accounts your creditors will pass the matter to debt collection agents and they will make your life a living hell, they have no power but they will ring your phone off the hook and bombard you will letters chasing the debt.

Sooner or later the accounts will be sold and the new owners will commence with court proceedings to recover the debt, this will cause you untold distress and increase your liability, the end result could be CCJ’s against you and this will ruin your credit worthiness, but moreover, your health will suffer further because of this.

It is clear that you are trying to be pro-active so as to avoid the above-stated action, and it is clear that you are not trying to welsh on your debts.

Simply ask your creditors, by writing to them, how much they will accept in full and final to settle the account, when they respond with a figure, you can then write again and tell them you can’t afford that sum but you can offer £xx and ask them if they will accept that in full and final.

Keep all negotiations on full and final in writing only, do not agree a figure over the phone, and do not send any cheque payment until the creditor has stated his agreement to the amount he will accept in full and final in writing.

As stated by another (site team I think), ask your creditors to freeze all interest and charges on the accounts while you negotiate a full and final settlement agreement with them.

Happy New Year

Haunter

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There is no need to go cap in hand informing your creditors of any ill health, that's none of their business!

 

As for DCA's, CCJ's, and any other scare mongering story, you're miles away from that yet.

 

Just get all of the statements and start from there.

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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There must be a genuine reason for seeking a full and final settlement payment with a creditor, the valid reason must be communicated to the creditor otherwise the creditor is not obligated to provide any help to his debtor.

Aneb has a health condition and she has said that her position is not going to improve in the near future, she has some funds available and she wants to settle her debts so that she doesn’t have to worry about them, this is the purpose of her thread/case posted here.

Her creditors will want to know why she is asking them to accept a lesser amount in full and final payment to settle the accounts, ill health is a genuine reason and this should be communicated to her creditors who will then be obligated to assist with the change in her financial position which has come about through no fault of her own.

It has already been suggested (by the site team) that aneb should send a template letter asking for interest and charges to be frozen on the accounts due to ill health.

There’s no ‘scare mongering story’ posted by me, DCA’s and court proceedings may be a while away, but this will happen, and aneb is trying to avoid that and all the severe stress it brings, by being pro-active while she is in the position to negotiate a settlement with her creditors so that she can concentrate solely on her health condition.

Dragging the matter out by sending subject access request and not informing the creditors of her health condition, will only cause stress to aneb, and her creditors will get the DCA’s involved immediately and soon afterwards they will sell the accounts and the new owners will get very aggressive in their pursuance of her for the debt, interest and charges will be added to the account each month, her liability will increase.

While all this is going on, the funds that aneb has available now will reduce, she is not currently working due to ill health and so those funds will be used to support her living requirements, and she will lose the opportunity to settle her debts, which will completely defeat the purpose of why she posted here in the first place, that is, seeking practical advice on full and final settlements.

Aneb, do you know if there is any PPI on the agreements?

Haunter

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Court proceedings won't automatically happen, that's tosh!

 

Practical advice is to send a SAR, get the FULL rundown of the accounts, then using the hardship rules reclaim any fees and charges to reduce the amount owed.

 

IMO F&F offers are rarely accepted unless there is something wrong with the paperwork side, and OC's are unlikely to accept a F&F payment.

 

It has already been suggested (by the site team) that aneb should send a templatelink3.gif letter asking for interest and charges to be frozen on the accounts due to ill health

 

No it hasn't, DX hasn't mentioned the OP divulge anything of the sort.

 

Dragging the matter out by sending Subject access requestlink3.gif and not informing the creditors of her health condition, will only cause stress to aneb, and her creditors will get the DCA’s involved immediately and soon afterwards they will sell the accounts and the new owners will get very aggressive in their pursuance of her for the debt, interest and charges will be added to the account each month, her liability will increase.

 

That is scaremongering, DCA's are powerless, they are NOT bailiffs, and when accounts are terminated, NO further interest or charges can be added, that is a DCA's fantasy.

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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I have already said DCA's have no power. I'm not scaremongering at all.

 

I'm talking about the new owners if the accounts are sold, they become the creditor.

 

Original creditors do accept full and final settlements in in genuine cases, such as ill health for example.

 

The creditor will not freeze interest and charges on the account simply because his debtor asks him to, he will want to know why, and telling him that you are suffering ill health is a genuine reason and the creditor must then help his debtor.

 

Haunter

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We would prefer to stick to the tried and tested CAG methods for now please Haunter

 

we can bring in the health later if things get sticky

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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