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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
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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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Old debt taken over by Nautilus Investment Holdings LTD


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Hi

 

I'm wanting some advice on an old debt from 2012.

 

I ordered blinds through a company called UK HOMEMAKER which I wish I never had. They totally messed up the order got blinds that was too short and rails that didn't work/fit properly. They took the initial deposit and said they would take faulty items back and replace. A direct debit was set up but they never came back with the new items. Tried calling them on several occasions but was always told they will come next week time and time again. I told them i wouldnt be making any payments until the items got sorted.This was in August 2012 by December I gave up and never heard anything from them till now.

 

Fast forward to today and I receive a letter from Nautilus Investment Holdings LTD stating they now have the debt of £375 and have outsourced it to a company called Direct Collections Bailiffs ltd. A quick Google search on this company has now got me really worried. I've not had any correspondent with anyone regarding this loan since the last telephone call I made back in December 2012.

 

I've tried extremely hard to rebuild my credit score over the years. Checked my credit file and can't find this debt now. I would start paying it off but I really don't want to be paying for something I didn't fully receive.

 

Any advice on next step to take would be gratefully received.

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Can you please tell us when you order the blinds in 2012 and when they were delivered and you discovered that they were incorrect. How much money did you pay them?

 

Presumably don't have any court judgement against you on this – in which case I'm not sure that there is very much that the debt collection company can do

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Thank you for your reply.

 

The blinds where ordered at the end of July along with a £50 deposit when they came to measure up. They came some time in August to fit (Not sure what date now) and noticed the problems right away. Told the fitters who said someone would be out to inspect them.

 

Someone came a week later and agreed they was some faults and blinds cut to wrong length so took them away and said fitters would be back to replace.

Out of 8 blinds ordered only 3 where correct.

 

The fitters never came back no matter how many phone calls I made or the amount of times I waited in for them not to show.

 

Oh and also no court judgement like I said not heard anything until now.

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Thank you. How much evidence have you got of any of this. Do you still have the blinds?

 

Please can you tell us how much you paid – how much they say you still owe them – and how much, if anything, have you had to pay to remedy the situation

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That's the problem as it's nearly 6 years ago now unfortunately for me I've not got any of the original paper work.

I think I stupidly thought nothing would come of it after this long so didn't keep anything.

Also as they never sent any letters until now don't have anything.

 

I don't have the blinds anymore they have all been replaced so I have receipts for the new blinds which cost about £200 for everything.

 

The original cost was £425 with £375 outstanding after £50 deposit which I paid.

Edited by dx100uk
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You needn’t worry to much about the DCA, they are just noisy teenagers.

 

Can you remember when you made your last payment?

Or did you only pay the deposit?

When exactly was that?

 

Hang tight, experts will be along to advise....

Edited by dx100uk
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Well the issue is almost statute barred. By my reckoning, in July this year it will become legally unenforceable – assuming that they don't have some kind of judgement against you which I'm afraid to say is possible.

 

The sum is less than the £600 needed for transfer up – unless in some claim which has magically been mis-addressed, the amount of money alleged to be owed has been bumped up by the addition of charges and interest. If this is the case then it could be transferred up for enforcement by HCEO. If it is less than £600 then if there is a judgement then it would stay in the County Court. At the correspondence which you have received they have told you that the debt is £375 so it sounds if they haven't done anything to it. On the other hand, they must realise that it is nearly statute barred and they may be considering doing something.

 

You could either sue them – but there is little to be gained, or watch out for the arrival of a claim form and then respond with a defence and counterclaim.

 

I completely agree that there is no point in starting to make any payments. It seems that they are clearly in the wrong and looking at the Internet for UK Homemaker, I see that they don't seem to have a very good reputation.

 

What you might like to do is to send them an SAR to see if they've got anything about you. Do you know if Nautilus are simply acting on behalf of them or if they have bought the debt?

 

Maybe you would like to put up the Nautilus letter here in PDF format.

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Thank you for all the replies.

 

From my understanding from the letter Nautilus are now the creditor and they are using Direct collection Bailiffs to recover the debt. They state all contact and payments to be made through direct collection Bailiffs and have included there contact details and bank details for payments.

 

The letter is dated 2nd March and includes a notice of sums in arrears (the £375) and a default notice.

 

The letter also states "We are aware or a previous period of non-compliance, whereby a notice of sums in arrears was not issued when your account status met the appropriate threshold"

 

I will try and get a copy up.

 

Also in the statement they made adjustments to the account in Sept 2017 I think it was charges they have removed. Will that go against it going statute barred?

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No just what was uploaded and some FCA leaflets on arrears and default.

 

Ok. It might be worth waiting for the real knowledgable folk but seeing as they claim to have purchased the debt you could try a CCA request on them.... see if they have the original agreement....

 

Wait and see what other folk say...

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Should I send this letter to them? Also would this be classed as section 77 as it was a Loan?

 

 

Sorry for all questions.

 

Should it be sent directly to Nautilus or direct collections bailiff?

Edited by dx100uk
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ignore them

its all bogus

they cant default your file

and dcbl are simply powerless DCA's in this instance.

 

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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How did you order.....internet or shop ?

 

Did you sign a credit agreement ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I believe I did but honestly can't remember it's been so long.

 

It was through a doorstep company called UK homemakers they left a leaflet so called them.

 

They came to the house to set it all up and the only other time I've had contact with them was when I was phoning their head office to try and get the faulty items sorted.

 

Should I just ignore it & see what they send next or should I send CCA request asap?

Edited by dx100uk
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So as stated its coming up to being statute barred...hence the parasites coming out the woodwork.

 

August 2012 and they issue a default notice dated 2nd March 2018 :-)...they issue a Notice of Sums in Arrears (that to allow them to claim interest from Aug 2012) :-) DCAs cant issue either...only the Original Creditor

 

Ignore them and forget it..... and only post back here if a court claim is issued.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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also worthy to note

Nautilus Investment Holdings

are not FCA registered as far as I can see so cant act as a creditor...

 

they reside on the isle of man...opps busted..

no wonder DCBL are involved as they think they can make their fake unicorn feed tax on this 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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