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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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MMf chasing PDL debt subject to ID fraud - asking for very sensitive personal information


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Hi,

I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream".

It was a lot of hassle at the time

( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up.

 

I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name.

 

"Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for our home that is now fully paid off".

 

back in June 2017 I started receiving letters from MMF motormile finance now Lantern, stating that I owed them £250 for another loan from what turns out to be taken at around the same time as the other loans in 2012!

I phoned them straight away and explained what had happened.

But all this did was for them to send demanding letters on a weekly basis!

 

I forwarded the police action fraud crime number from 2012 thinking that that would be the end of the matter.

But all they do is keep sending me more demanding letters.

 

Are these people above the law or what!

They keep asking for very personal details e.g bank statements from 2012,

my national insurance number,

payslips,

photo id from a passport or driving licence.

 

I'm sure it would be reckless to send such sensitive information to a bad debt collecting company!

 

(Do they cover their costs by selling on this very useful and very accurate information to third parties?)

It would be very lucrative if they did as they would have all the information to take out a loan in my name!!

 

What's going to happen in another few years, Am I going to get demanding letters form another bad debt company??

 

As much I want to clear my name I am very sceptical about about how they would use that information.

I lay awake at night worrying myself to death, I am frightened about what they might do.

 

I have been to Citizens advice bureau who just say go to police action fraud! its bonkers.

 

If a company doesn't accept a police action fraud number and the evidence from the time of the identity fraud then they are surly acting above the law!

Edited by Ian-Do
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Firstly, they are nothing other than powerless bully boys who talk the talk but will never ever be able to walk the walk.

 

There is NOTHING they can do, so don't worry about their silly childish missives, begging for money and information they haven't got the slightest how to process.

 

You sent them the CRN, now let them hang themselves.

 

Keep a diary of events regarding their criminal offence of harassment.

 

Keep ALL of their dumb threat letters as evidence.

 

There is NOTHING they can do, because they have NO LEGAL authority whatsoever.

 

Has your credit file been reverted back to how it was prior to the ID fraud?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Moved to the MMF forum

 

Never ever ring a powerless DC A

They are not bailiff s and have zero legal powers

 

If this was 2012 cant be far from SB then??

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 many thanks for your reassuring reply.

I wouldn't know how to check a credit file, i really don't want to know.

I don't have credit card and only buy something if I can afford it.

 

They seem to invest a lot money into their letters delivered to my door.

I am very concerned that the " Nature of the beast is to collect bad debt and they have to earn money anyway they can so they can ply their misery."

 

With the sensitive information that's being requested they are very probably selling on these details to to third parties to provide some funding.

( You could get a passport with those details! )

 

What is SB?

 

Many thanks again, Ian

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if it's not your debt, and was taken out by a third party fraudulently, and they still continue to process your data as being the debtor after May 25th GDPR will be in effect and a complaint to the ICO regarding their breach and continuing processing of your data could well be woeful for them.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ian - I have been through a case of ID Fraud... Its not nice.

The liability is not on yourself to prove your innocence.

 

Do you have any of their letters / emails?

If so can you post them up minus any personal information? We might be able to help.

 

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 appreciate all your help. I thought I was on my own a few days ago. Many thanks, I have scanned the very first email from mmf in June 2017 last year. This was the first contact from what as a fraudulent loan taken out in my name from 2012.

 

P.s just found out I need ten posts on this forum until you are allowed to submit pictures!

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we don't want pictures

read upload

 

ideally you should have blocked the email ad and bounced everything since back

do it now

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 is the first ever contact from mmf to me in june 2017 (below)

...Which turns out to a bad debt from 2012 ( Note I Have lived at the same address for over 20 yrs so I don't know why they state " previous communications ")

 

After receiving this letter through the door I called them immediately and explained that I have never taken out any loan in my life.

From that moment on all they are interested in is gaining as much personal information about you as possible inc, wage slips, bank statements, employers details for last six yrs, NI number, D.O.B, Photo id such as passport/driving licence.

 

As you can see that's an awful lot of sensitive info to give a company who collects bad debt.

That's why after continually receiving these letters I was very upset.

I have sent them explanations of what happened at the time and forwarded the crime ref number.

 

Dear Ian D Your balance £250

 

We write further to our previous communications and note that we have yet to receive a reply.

If you have more than one account with us you will find a breakdown enclosed.

Please note that we will not ask you to pay more than you can afford - we are keen to reach a solution with you in line with your finatial curcumstace.

Using our expertise we will help you assess your affordability however to do this we need to speak to you. Please contact us on 0113 887 6876.

 

Alternatively, if you prefer you can:

 

Email us with a payment proposal, register a dispute or request a call back on customerservice(at)mmile.com; or

Visit our website on mmile.com to make a payment, submit a financial statement and offer of payment.

 

Please treat this matter as urgent and take action today to prevent any continuous communication.

 

Information pertaining to this account may be registered with credit reference agencies, this information may then be used by future lenders, landlords and employers and may affect your ability to secure credit in the future.

 

we look forward to hearing from you within 7 days

 

your sincererl

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You have 3 options.

 

- Ignore - Wait for Claim and defend on the basis of Fraud with copies of the signed forms from the other companies.

- Raise to the Original Lender who Lanturn should now advise you off. They need to tell you. And dispute it with them. (There have been cases where the loan is sold to a DCA Portfolio and then gets recalled when xxx Lender know they gone messed up)

- Challenge Lanturn directly via their complaints process, and refer it to their CEO if you get no luck - Challenge with the FOS if they decline and watch them squirm when they realise that they have also gone messed up)

 

Who is the original lender in this case? I have suffered from a case of ID Theft and also had to deal with PDLs so hopefully i can offer some guidance.

 

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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