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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Wonga ruining my credit file


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I am after some advice please if possible

 

Having had a number of loans with Wonga I eventually reached a point I could no longer afford to make the large payment back on my last loan, taken out in February of last year.

 

Before the payment was due at the end of March I raised a complaint of unaffordable lending and asked for a payment plan offering an amount I could afford to pay.

 

Wonga sent me an I&E sheet which I completed and sent back, then I heard nothing from them.

 

Next message was a couple of months later with a threat of court if I didn't pay,

which was a surprised as i'd offered an amount that they never came back to me on

 

After that a payment plan was agreed and I made 2 payment towards to loan.

In the meantime my complaint was rejected by Wonga,

 

sent to the FOS where it was upheld and Wonga agreed to a refund of £2.5k,

although £850 would be used to pay off the outstanding loan and all negative information removed from my credit account.

Not an issue, all sorted, balance was paid back to me at the start of October

 

In mid December I was contacted by Moorcroft about an outstanding loan with Wonga.

I logged into my Wonga account and it showed I still had an outstanding loan.

 

I then checked my Noddle report (I usually look at Experian but Wonga don't report to that).

My credit report showed not only was my loan not paid off,

but showed as defaulted in July.

 

I contacted Wonga who at first told me that the last loan hadn't been part of the arrangement (utter rubbish) but they would look into this.

 

Over the last few months of the year I had an MBNA credit card suspended and a catalogue account suspended due to "adverse information on my account"

 

Now Wonga have admitted they should have removed the loan and have asked Equifax and Call Credit to delete this.

 

Now that would be great if they hadn't done so much damage to my credit over the last 5 months.

Also looking at my Equifax file it shows my loan a month in arrears in Nov 2016 and then 2 months in Dec, up to 4 months in arrears.

 

All this before I even opened in the loan at the end of Feb.

The loan shows as AP (?) from March to June 2017 and then defaulted in July 2017, which is all total lies

 

Where do I stand with this?

I'm absolutely furious with Wonga,

but currently stuck in their 8 weeks complaints procedure (again),

but this whole saga is a shambles.

 

I have all of this documented on email.

 

Any advice would be great

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Do you have the letter confirming they should have removed this? This could be instrumental!

Do you have your historical credit files?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks for the quick response

 

I have the confirmation email from the adjudicator on 31st August that stated what they should do.

They didn't argue with any of it.

 

They left the first 3 loans on my credit file, which was as the adjudicator said.

They confirmed to the FOS they would work to the proposal put to them by the adjudicator, this was on the 25th September.

 

I received the confirmation calculation on the 3rd October 2017 and that was the last communication I had from Wonga until Moorcroft emailed me on the 19th December.

 

In that time I received no phone calls (my mobile hasn't changed since 2005), no emails and no letters in the post.

Wonga claimed they had rang me and had a list of when, so I asked for a copy of this but was told I would have to pay £10 for SAR!

 

I have quite a lot of Experian credit files but Wonga don't report on there.

I only set Noddle back up once Moorcroft got in touch, and also my Equifax report (the last one I had is a fews years old unfortunately)

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In this instance i believe you have further recourse to make a complaint. This is all dependant however on the info from the below;

 

Over the last few months of the year I had an MBNA credit card suspended and a catalogue account suspended due to "adverse information on my account"

 

If their mistake has caused you great detriment, damages may be brought in the form of a MCOL Court Claim and taking this through the legal channels.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I have a screen shot of my Next account stating that it was suspended due to adverse info on my file.

I also spoke to MBNA who would not remove the suspension my credit card account for the same reason.

I have a letter from them telling me that this is why my account is suspended.

 

I no longer believe a word Wonga say, couldn't trust them to investigate my complaint properly and believe that no matter how much info I send them about the effect this has had on me, they aren't taking this seriously.

 

I suspect on Feb 15th when the 8 weeks is up I won't get a response as they are inundated with complaints.

I can't possibly think why!

 

I haven't even had an apology in writing yet.

Although I do get mad at times, and especially so with this,

i'm more than happy to get even, sadly this may have to be through MCOL.

 

I have no idea what a suitable compensation would be though.

 

Any ideas or cases studies would be great

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pers id be on the phone to the FOS tomorrow!!

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 dx, they won't do anything unless Wonga have had 8 weeks, as they view it as a separate complaint to my original one last year. I emails the adjudicator the second Moorcroft got in touch and to be fair to her, se responded straight away, chased up Wonga to see what they were doing (after the New Year) and emailed me back. She saw this as a new complaint but added the info to my original one.

 

If i don't get something I feel is a suitable response then I will be looking at a complaint with the FOS (although complaints seem to be taking 3 months to be picked up at the moment), send everything to the FCA and see what i can do through MCOL. I'm sure a newspaper or 2 might be interested too!

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