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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.  
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    • 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 Almost SBd Santander OD debt


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Hi,

 

I have joined the forum in the hope that somebody has useful information for me in my aim to shake Cabot Financial off, who are chasing a debt which becomes statute barred in September 2018.

 

A brief outline of the debt I am being chased for:

 

Type of debt: Credit debt - Santander Current account

Outstanding balance: £590 (consisting £150 overdraft + £440 charges)

Account closed: September 2012

 

After speaking with a helpful advisor at the National Debtline and explaining my situation,

I was told it was a difficult one which needed careful consideration of my next steps.

 

I was presented with three options:

 

1. Wait the seven months and risk court action

2. Set up a payment plan, which would reset the limitation act

3. As it was a disputed debt with Santander,

present evidence to Cabot for them to investigate

- but this would reset the statute barred clock.

 

I have email records of a complaint I had made to Santander about charges on my account late in 2011.

Santander acknowledged receiving my complaint,

they even followed up with an email apology for the delay in responding to the complaint

- but this was to be the last correspondence with no further follow up and the issue remained unresolved from their side.

 

I have records of this correspondence.

I stopped using the account and the charges continued until the bank decided to close it in September 2012.

 

I really don't have the money to pay this debt.

I would really like to avoid paying it especially as it was disputed with Santander in the first place,

I can't afford a CCJ as it will stop me getting a mortgage which I hope to be in a position to go for within the next few years.

 

I am looking for delay tactics without acknowledging the debt to get me into the statute barred date when I can confidently answer a Cabot phone call and tell them to do one!

 

Any wisdom would be greatly appreciated!

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threads merged and moved to the Santander forum.

1stly you NEVER EVER EVER speak to a DCA

they ARE NOT BAILIFFS

and have

ZERO LEGAL POWERS on any debt.

 

the SB date runs from your last payment or usage not the defaulted date.

 

so when was that?

if you don't know for SURE

go ring satans bank now and ask them.

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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what letters have you been getting?

 

have you had a letter of claim yet [RE: pre action protocol }

 

have you moved since opening this account?

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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Cabot do not chase enforceable debts, so do your homework. The debt is already defunct.

 

Also, when was your last payment towards this debt?

 

Dont consider paying them anything at all.

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 can see from my credit report that my last payment and usage on the account was March 2012

- I will call Satan's bank to check this as it may have been earlier.

 

But the credit report states the default is reported until September 2018.

 

Also, in terms of letters received from Cabot

they have only just arrived as they have tracked me to my new address.

Just a letter offering repayments, not threatening Court action - yet.

 

I originally opened with Alliance and Leicester (suckered in with the free £100 opening offer - then Santander took over the account) in 2010ish and have recently moved address since then.

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then you must write to cabot as the letters will be a phishing trip

cause sure as eggs is eggs they'll issue a claimform and get a backdoor CCJ as you've not told the original creditor nor its current owner your new address.

 

never run away from debts in today climate, 800'000 back door Claimform are issued every year

85% go non contested resulting in unknown CCJ's till it comes to getting credit or a mortgage.

 

we've not lost an OD case yet, if defended properly with our help

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 are definitely phishing

- I have received two letters to my new address from Cabot

- the first came earlier this month saying they have recently confirmed I am living at this address and offering help for future repayments.

 

A second letter arrived four days later, very short addressed to The Occupier, titled returned mail - claiming to have received some returned mail from my new address, but their records show I am still registered there.

 

This second letter is a lie, I have not, and nobody could have returned any letters from my current address.

 

If I write to Cabot will that not be official acknowledgement of the debt and reset the statute barred clock?

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not if you use the correct format and letter

our prove it letter in the debt collection section of our library might be the one.

 

I do not acknowledge any debt to you or any of your companies...

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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This looks like the letter needed: You know nothing of the Debt / Prove It **Updated 21st April 2014**

 

So this will prevent a backdoor CCJ being railroaded and also buy me a bit more time toward the statute barred date - which could be as soon as March 2018 according to my last activity on the account.

 

Thanks for the help!

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i would confirm YOUR last payment/use of the account first

it would be far far better to be able to send our SB letter.

would kill any claim dead.

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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As said, its already a defunct debt. Cabot doesnt chase legit ones. So its already either long sb, they cant get the paperwork for it, or its chock full of charges.

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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As said, its already a defunct debt. Cabot doesnt chase legit ones. So its already either long sb, they cant get the paperwork for it, or its chock full of charges.

 

Don't know about the SB date, probably can't get paper work as opened with Alliance and Leicester not Santander, and is chock with charges.

 

But still, can't afford to risk a CCJ which I know they will try for as it has happened to a relative recently (it turned out to be SB).

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get that info!

 

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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I personally would ignore them......you have the last usage date from your CRAs (March 2012)...you know that they closed the account Sept 2012.....they have your new address as they have sent letters to you...if they wished to litigate before March 2018 they will have to comply and send you notice along with the Pre Action Protocol forms...that allows 30 days.

 

Sending anything may just prompt them that it is getting close.....and in reality you cant send anything because its not statute barred until March 2018.

 

 

Andy

We could do with some help from you.

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sit on it for the next month and if they do send anything else

send a prove it letter demanding to know what the original debt was,

what charges and interest have been added since,

whether interest is still accruing and so on.

 

They will have failed in their civil procedure duties if they start a fight without supplying this info and that now means they will lose at least 25% of the value of any successful claim.

 

If they dont send any letters then dont poke the beast

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Santander unable to provide the info relating to last activity on the account as they no longer have the records.

 

The assistant in the bank even showed me the screen. All they had was info relating to my name and address with everything else gone. They said this usually happens after about 6 years.

 

So, I can't prove when my last activity on the account was.

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well you can as satans say it gone as more than 6yrs have expired.....statute barred!

would be nice if you could get that in writing somehow.

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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