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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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Welcome finance and ppi claim fscs


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Hi All,

New to CAG so sorry if i've posted in the wrong area.

 

I'm looking for some advice

 

i Took out a Loan with Welcome Finance on the 27th November 2007 for £2000 with interest and PPI came to around £3000 to payback,

 

half way through the Loan i lost my Job and was unable to Pay this loan back,

and as ever "Buried my head in the sand" shamefully and ignored this Debt,

 

i was also alot younger and stupid to even get a loan back then i think it defaulted and remains outstanding.

 

I had a telephone call from a company called the PRA Group the other day saying that they had purchased this debt and the balance was a whopping £4837 so from around £1500 remaining to nearly 5K

 

i was astounded I've had no contact or anything in 10 years!

and i said to the lady on the phone would this not be Statue Barred and she apologised and confirmed it was in fact SB since 1st May 2016,

 

having thought about it i called the WFSL to ask if the loan i had did have PPI and she confirmed it did,

she advised the Debt was sold to a company called Experto Credit in May 2014

 

i never heard anything from this company probably due to the fact of house moves etc,

she advised that if a PPI claim was what i wanted to do i would need to go through FSCS which i called and gave the reference number provided by WF and she would send a claim form in the post.

 

my Question is

having not Paid off the Loan,

the loan being statue barred

and the Debt being sold on to Experto Credit then PRA Group,

 

if i do a claim will i receive the funds to myself or will this go back to the loan,

 

Either way I'm not bothered as i never had so wont miss

but at least something would go back to the loan even though WF unfairly added thousands extra on.

 

any help/advice would be very much appreciated.

 

thank you.

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the debt is still statute barred

 

never phone a DCA

they are not bailiffs

and have

ZERO LEGAL POWERS.

 

they will say anything over the phone to make you cough up and sc@m you.

 

the PPI will come of the loan balance no matter who now owns it

 

pers i'd not even bother.

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 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

Dx I’ve a question I wonder if you can help me with:

 

2007 Took out the Loan with Welcome Finance

 

Borrowed amount £2000.

Duration: 36 Months

Total Amount to repay: £ 3285.97

Monthly payments of £177.75

 

I then had issues aug 2008

to cut a long story short and they said I could make payments of £44.74 without abandoning or modifying any rights under the agreement,

then couldn’t pay at all,

 

fast forward to 2010

- amount owing £ 4969.74.

 

Where and how do they get this figure from and we’re they able to do this,

Since then no payments made and account was Passed onto Experto credit and then to PRA group.

- Now statue barred.

 

Can this amount be legally allowed over and above what I would have paid in the first place?

 

I’ve since submitted a claim with the FSCS anyway to see about the PPI,

they can at least have something back if they do favour in paying back to welcome

Even though they’ve sold it on and on again.

 

Thanks

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Experto are PRA

So its not been passed around

 

And for PPI reclaims with welcome thru the fscs the debt being sb'd makes no odds

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...

An update: received decision letter from FSCS today saying:

 

We will pay you compensation

 

We agree that you have a valid claim against Welcome Financial Services Limited (the Firm) regarding your payment protection insurance.

 

How we worked out your compensation

 

We have calculated your total loss as £1,755.14.

 

You still owe money to the Firm from the loan you took out.

 

We have subtracted the amount of compensation payable from the money you owe to the Firm.

 

Your outstanding loan balance is more than the amount of compensation due, so we can’t pay you any compensation.

 

Although expected I’m please this much was refunded towards said loan, even if I disagree with the figure they say I owe.

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and it doesnt change SB date either.

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 dx, I have still sent an email back to FSCS in response to the decision stating that

 

“Thank you for your email regarding the decision on my complaint regarding PPI I would like to have clarification that as the debt has been sold on and was not part of any chain of loans, i'e the refunded ppi was NOT directly related to the sold loan to Experto Credit how can you offset your PPI refund as they [welcome] no longer hold the rights toward it to do so?”

 

Awaiting their response.

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what do you mean the PPI was not directly related to the sold loan?

 

ofcourse it is!

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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Sorry DX it read this

 

Thank you for your email regarding the decision on my complaint regarding PPI I would like to have clarification that as the debt has been sold on to Experto Credit how can you offset your PPI refund as they [welcome] no longer hold the rights toward it to do so?

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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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