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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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capquest Backdoor CCJ - can they do this?


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Hi

 

Sorry if this is in wrong thread, I can't seem to find a forum for aging Credit Card Debt.

 

I was under the impression that Consumer Debt, i.e. Credit Card Debt, could not effectively be enforced beyond the 6 years without a CCJ and that it was not worth their while to obtain a CCJ.

 

Is this not the case?

 

A letter sent to address not been at for 2 years said Cap had obtained a CCJ, yet no Court Documents served warning of a hearing etc served to either current or old address.

 

Is this a stunt they achieve by doing things in bulk?

 

We hear of Courts signing things off leaving victim to deal with outcome.

 

Says they are going to seek a warrant of control, I am on permanent ESA

 

Last payment was about 6 years ago, which suggests to me that they have correct paperwork.

 

I foolishly kept the debt alive for years with small payments before life changing incidents meant I could no longer service debt.

 

Will a Court take what little money I have, £5 a month would take 500 months!

 

I was told under consumer credit act that interest was frozen, now they are adding fees for taking me to Court. Does this mean they can add more fees and interest?

 

Do the Court come after me for Warrant of Control or do Cap have to pay them?

 

Is this a keep alive tactic that just adds 6 years of hopelessness to it?

 

I do not want to re-awaken this or other debts.

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Quite entitled to get a ccj if you run away and dont update your creditors to your correct address

 

The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended

 

Whats the debt

Whats the date on the. claimform?

 

If you dont have a copy of the ccj nor the claimform

Ring northants bulk tomorrow and ask for a copy by email pdf

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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Retitled and moved to legals

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

Thanks for prompt reply albeit you seem to be blaming me.

 

I did not run away, I lost my home, my family, child in A&E 6 times and now has seziures, I was street homeless for 6 months, then in temp housing for a year, after RTA that left me disabled, I have debt I cannot hope to pay in my lifetime. Also lost last parent who I could not even see as could not afford to get to other side of country and sibling with Cancer. So keeping them updated not top of my priorities but I do monitor their activities.

 

I am in major depression, doing alll I can to not top myself, I have 4 plans, including one if there is forced entry, but not looking for any sympathy here, I just wanted my questions answered to relieve anxiety.

 

Debt companies and their letters make me more depressed, but I have made sure I get their post, but no point in contacting them as I was told it keeps the debt alive.

 

You said "The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended"

 

How can I defend something if I am not informed? I have had letters from other debt collectors and was going to send a letter from your site if they went past SB date. If they had sent anything to do with Court I would have written to the Court explaining my position with medical evidence and showing my only income is ESA and I am overdrawn.

 

My total debt is a multiple of DRO level and I cannot afford to go Bankrupt, not that I could cope with that mentally, I would rather end things.

 

How can they send a "robo claim" without sending warnings, Cap have not sent anything for years, others have palmed off to debt collectors.

 

I did state that it was Credit Card Debt

 

I do not have a claim form, just a letter saying "We wrte following the award of a County Court Judgement against you in favour of our client"

 

It says they have been instructed to seek a warrant of control and adds up all the fees this will generate, saying they a bailiff will attempt to recover debt or levy goods etc.

 

They say I have to fully complete a 6 page form.

 

If I ring Northampton, how will they confirm I am who I say I am, will this trigger searches online or them providing my email to other side? I do not have a Court Reference number or a date of hearing.

 

I would really appreciate it if you could answer the questions I asked in my original post (below).

 

Many thanks

 

Quite entitled to get a ccj if you run away and dont update your creditors to your correct address

 

The fact it might be sb'd is somewhat immaterial as its a robo claim that no human check as it went undefended

 

Whats the debt

Whats the date on the. claimform?

 

If you dont have a copy of the ccj nor the claimform

Ring northants bulk tomorrow and ask for a copy by email pdf

 

 

Hi

 

Sorry if this is in wrong thread, I can't seem to find a forum for aging Credit Card Debt.

 

1. I was under the impression that Consumer Debt, i.e. Credit Card Debt, could not effectively be enforced beyond the 6 years without a CCJ and that it was not worth their while to obtain a CCJ.

 

Is this not the case?

A letter sent to address not been at for 2 years said Cap had obtained a CCJ, yet no Court Documents served warning of a hearing etc served to either current or old address.

 

2. Is this a stunt they achieve by doing things in bulk?

 

We hear of Courts signing things off leaving victim to deal with outcome.

 

Says they are going to seek a warrant of control, I am on permanent ESA

 

Last payment was about 6 years ago, which suggests to me that they have correct paperwork.

 

I foolishly kept the debt alive for years with small payments before life changing incidents meant I could no longer service debt.

 

3. Will a Court take what little money I have, £5 a month would take 500 months!

4. I was told under consumer credit act that interest was frozen, now they are adding fees for taking me to Court. Does this mean they can add more fees and interest?

5. Do the Court come after me for Warrant of Control or do Cap have to pay them?

6. Is this a keep alive tactic that just adds 6 years of hopelessness to it?

 

I do not want to re-awaken this or other debts.

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I already have...but most of your q's are sadly irrelevant now

 

For whatever reason its happened..time to move on now..and deal with things...

 

If you go get your credit file

You should see the ccj number

 

Then contact northants bulk tomorrow as advised

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

They are not irrelevant to me, they are really important to me and will help me with anxiety.

 

I thought the idea of forum was to help people, even if you think you know better your lack of sensitivity does not help.

 

I am not going to be able to check my credit file because it would update my credit file and as I have already stated I can't cope with the onslaught of mail and threats, in case you missed it that causes me anxiety.

 

It seems the advice here is to just identify yourself to your creditors.

 

I will call Northants tomorrow.

 

Meanwhile I would be really grateful if you would answer my questions above.

Edited by Andyorch
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I will call Northants tomorrow. - yes do that. your will need the CCJ number from your credit file if its NOT on the communication you already have.

no good ringing northants if you don't have that number.

 

 

when you have that info

then go ring the ORIGINAL CREDITOR and ask the last payment date

then comeback here and tell us

 

 

[incidentally it might pay you to ring ANYONE [original creditors] you had debt with that's now with a DCA and do the same. but this claim is your focus for now]

 

 

dependent upon the outcome of your enq toward last payment...then we will deal with you outstanding q'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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Please can you delete all my piosts above , this forum seems to work for the credit card companies, I tried to be discreet and not name any companies, you change the title to identify the company.

 

You do not answer my questions, are really unhelpful and tell me to contact the creditor when I have explained that this causes me profound mental health problems.

 

I have looked up the ltd company that runs this site and will be making a complaint to the directors.

 

I will also be contacting the debt charities and the mental health charities to warn them not to refer people to this site.

 

Please delete my posts immediately and/or the whole thread.

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well im sure you can see we don't work for the DCA's and banks and have won 100's of cases.

it's quite ok to name these companies

 

you are contacting the court and the original creditor

not the owner of the debt now - the fleecing DCA.

this could give you a way to make this all go away totally.

I suggest you read like threads with the word backdoor CCJ in it...you'll see all you are being asked to do and follow is quite std practice and has resulted in resolution for 99% of people.

 

trust us to know how best to help people in your situation rather than focusing upon things that wont help you at all.

Edited by Andyorch
Typos

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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