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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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Clarity and advice needed re: unpaid defaults


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I have two unpaid defaults from August 2012 and would like some clarity and advice about what to do.

 

I know defaults drop off the credit file after 6 years but what actually happens to my file if the accounts remain unpaid?

I know its not the same as being statue barred and i believe i have made a payment to both in the last 3 years or so

 

One of the defaults i am not actively being chased for it and havent been for years

The other one I am being chased for but the dca has agreed to give me 30 days to sort myself out (find emoloyment) and has froze the account during this time

 

What I want to avoid is the situation of the defaults dropping off the file, but then they issue a CCJ.

And what if I agreed to a payment plan which at the moment would take a very long time to pay off?

Eventually the account(s) would be closed but wouldnt dissapear from my file until 6 years after the last payment i made?

 

So is it either not do anything,

let the defaults drop off and risk a CCJ?

Or come to a payment plan and have it cause problems for another 7-8 years?

(1-2 to pay them off, and 6 for it to go from my file?)

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The Information Commisioners Office says:

.

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off, paying now or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not Information Commisioners Office guideline but my advise]

 

start a new thread on each debt in the named forum of the original creditor of the top main forum tab.

 

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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Thanks for your post. You say brackets are your advise and not official ICO guidelines but in regards to the {the WHOLE ACCOUNT WILL VANISH, never to return} this is the major thing i am concerned with

 

So in August 2018, the defaulted account on my file will dissapear/drop off/not be visible/etc etc yes?

however the debt wont be statute barred and i'm not disputing the debt nor have any intention of doing so. So in theory they COULD get a CCJ against me right because the debt will still exist even if its not on my credit file?

 

if so then it becomes a diplomatic conversation between me and the dca to either agree a suitable payment plan or a settlement offer? (so i can avoid a ccj)

 

so if i did either of those things then this wouldnt be reported on my file at all?

 

sorry but i am easily confused and not sure making a new topic will be a good idea, just wanted some general advice. cheers

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Diplomatic and DCA in the same sentence...must go for a lie down in a dark room now:-)

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what are the debts and their type of credit

have you sent them a CCA request?

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

Diplomatic and DCA in the same sentence...must go for a lie down in a dark room now:-)

 

Hahaa just simply trying to ascertain the procedure for this kind of thing

 

what are the debts and their type of credit

have you sent them a CCA request?

 

One is a payday loan and the other is a catalogue

 

Not done the CCA from my limited understanding it all seems rather long winded and i am not disputing the debt at all

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are they sold to DCA's or still owned by the OC's?

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

started an irresponsible lending complaint yet on the pdl?

did you have others .??

 

as for the DCA who?

might be best to start a sep thread as bottom of post 2

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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oh and throw the morality card out the window!!

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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oh and throw the morality card out the window!!

 

??

 

I don't wish to dispute any of the debts mate just want to know about the implication of non-paid defaults and credit file

 

Let me try this another way.

 

Hypothetical example; say I had a defaulted account for a credit card with a DCA that is due to drop off my file in 2021. Lets say I either pay the debt completely or come to a settlement offer in 2019. would this drop off my file in 2021, or would it stay on under closed accounts until 2025 as my last payment would have been in 2019?

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what part of post 2 are you not understanding?

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

what part of post 2 are you not understanding?

 

in part its due to the conflicting information i've got going on in my head from internet searches, forum searches, etc. nothing seems to be 100% consistent

 

the reason i made this topic is because i found it difficult to believe that after the non-paid default drops off your credit file on its 6th birthday, there wouldnt be any subsequent record of some sort on your file. - if you continue to make payments or settlement which is what i intend to do to avoid ccj as best i can

 

which is where this quote i found from another forum comes in and the conflicting info. someone was enquiring about their file similiar to what ive done here and got this response

 

"Basically when the defaults drop off and there have been no CCJs or anything of the sort then all there will be is the notice of record of payments."

 

 

so there WILL be a record of payments on my file and when the final one is made it will take a further 6 years to drop off my file?

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in part its due to the conflicting information i've got going on in my head from internet searches, forum searches, etc. nothing seems to be 100% consistent - there is no conflicting information...? where?

the reason i made this topic is because i found it difficult to believe that after the non-paid default drops off your credit file on its 6th birthday, there wouldnt be any subsequent record of some sort on your file. - if you continue to make payments or settlement which is what i intend to do to avoid ccj as best i can -you seem to be not understanding that when a default reaches its 6th birthday...the debt can never show again...

which is where this quote i found from another forum comes in and the conflicting info.

someone was enquiring about their file similiar to what ive done here and got this response

 

"Basically when the defaults drop off and there have been no CCJs or anything of the sort then all there will be is the notice of record of payments." - total garbage.

 

so there WILL be a record of payments on my file and when the final one is made it will take a further 6 years to drop off my file?

 

 

no what part of post 2 are you not comprehending???

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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thankyou for your patience i just have a hard time understanding all this stuff and my constant googling and getting different answers probably dont help

 

i think i understand, please correct me if wrong. so the facts are these...

 

i have a balance of £600 for an old catalogue debt with lowell

default was registered in august 2012, will drop off in august 2018

 

when it drops off in 2 months it will dissapear forever and wont appear in any form whether i dont pay it, make token payments, or agree a full and final settlement?

the ONLY way it could ever reappear is in the form of a CCJ if they decide to go down this route?

it's their discretion?

 

when i am in position to negotiate a settlement or pay in full...

i should keep evidence of this in writing as i won't have any evidence on my credit file to show i've settled the debt?

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good you are getting there

 

the debt can never re appear

if you lose the a CCJ will show in the public information/judgement section.

 

however.. I would not be paying a DCA anything without sending a CCA request first

start a new thread on the cat debt please

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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