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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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1st [nationwide], 2nd Picture/Webb mortgage, negative equity, what next?


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The only difference is we would still be legally married on paper but simply stuck at decree nisi . Everything else would be exactly the same.

He would still be living elsewhere and not paying his debts and I would still be here.

There would be no difference from a finance point really.

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Yes there would be.

You wouldn't have a decree nisi

He wouldn't have debts connected to you.

The house would be sold.

 

This should of been sorted out at court especially as there are children involved.

It shows the importance of you cannot do without a solicitor at times.

 

You really really need to employ a solicitor now to get it sorted, even if you think you cant afford one.

What if the bank start repossession if your behind in the payments

Edited by dx100uk
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I had a solicitor for a while, I paid £250 an hour and I am no further than what I was before I put most of my capital into her bank account.

I simply reached a point where I ran out of money.

 

The house will not be sold, as it is my main residence and that of my son.

It will most likely end up as an offset against his pension assets.

As he has twice the pension pot and there is not much in equity in the house, there will most likely be an offset.

 

The judge has ordered an actuary report on the pensions and surveyor report on the house. (another £1200 expenditure approx)

Then the parties will reconvene in maybe three or four months time for the next court hearing when all figures are available.

 

He is pretty confident an agreement can be reached without the need for a final hearing.

So I am sort of past the divorce part, I am now in the financial settlement part of things.

 

Whether or not a decree absolute is in place at this stage is really not relevant to the outstanding financial issues.

The financial issues would be exactly the same.

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the courts can order his name to be removed from the deeds adn also a remortgage. this costs a small amount to get the variation and in practice wont change a thing for you other than make it formal. You need to get this in front of the judge though

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If you need to remove a name from a title deed for a property with a mortgage on it, you will need written consent to do so from the lender.

We could do with some help from you.

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  • 9 months later...

Arrears are now down to just over £1000

.-, have been paying contractual (plus around £30 per month for the arrears.)

Also my ex is paying nothing, as he no longer lives here but resides with his girlfriend in her house, so is not paying a penny.

 

IDEM keeps sending him letters to make payments, which he ignores.

They then add £12 per letter to the account which I am trying to repay on my own.

So for every letter they send him, I get charged £12

 

Today I got a letter from IDEM claiming they can't get hold of me and they intend to send a field agent to visit me, cost £100

The letter itself cost £10

Sent them a letter and e-mail in return telling them visit is neither required nor needed.

 

I have also asked for an Actuarial Account Accrual Summary Sheet, to see what charges have been building up, as I am not entirely sure how many letters they have sent my ex.

I intend re-claim all arrears charges and have told them so in my latest letter.

 

I had a court hearing on the 4th of February with regards to my divorce and ancilliary relief proceedings.

 

It was the final hearing, I am asking for maintenance payments from my ex to help repay the substantial amount of debt he has left behind.

 

The handing down of judgement is expected on the 28.02, so if I am awarded maintenance (I have asked for 50% of the contractual payments to IDEM) I can increase payments towards to arrears and clear them reasonably quickly.

 

If I do not get this award, then my circumstances will remain the same and I will continue to pay the £30 a month towards the arrears.

 

IDEM was fully aware of this, but sent me the field agent visit letter dated the 7th of February, claiming they couldn't get hold of me.

I have no idea what they are playing at really.

Edited by dx100uk
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they are just trying to rack the outstanding up with unlawful fees and charges which you and they know can all be reclaimed.

 

sadly usual tactics for 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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sure pick you reason.

 

its raining today..we'll charge him that its his fault.

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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:oops:

 

Yeah, that's probably right.

I suppose I can't do much more than write back to them, tell them the visit is not required and that I intend to reclaim all arrears charges they have put on so far, which is what I have done.

As I am continuing to pay the contractual payment plus on top for the arrears and they are not sending these payments back, I suppose that constitutes acceptance of my arrears payment, doesn't it ?

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no.

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

probably left leg not knowing what the right is doing.

have they returned payment then?

I bet not!

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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  • 1 month later...

They have now accepted my proposal , they wanted me to fill out a I&E form but never told me that.

They sent me an account statement showing only a few £10 charges for letters, which have been refunded though.

They also processed my complaint and upheld it in part.

 

They said it was unneccessary to threaten me with a field agent visit as I maintained payments towards the arrears at all times and the arrears are being cleared, less than two months worth remaining now. (£800)

 

They didn't uphold my complaint about the charges, as they maintain there hardly are any and those £10 letter charges have since been refunded.

 

I am now looking to hopefully get rid of IDEM soon by means of a remortgage as part of my divorce proceedings.

I will try and consolidate the remaining outstanding main mortgage with Nat West and the outstanding IDEM loan to one charge against the property.

 

So hopefully this spook will soon be over.

 

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