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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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CCA Help & Advice


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Hi, *deep breath*

 

I am new to the forum so hello everyone, can i say what a great resource of information this place is i have been lurking and reading up the past few weeks and it has helped me massively and made me realise a few things too:)

 

I have been on a DMP for just over 10 years trying to payback a whole load of debt i ran up years ago (i wont go into detail, long story short i was young, naive and the crash in 2008 crippled me when all the discounted mortgage deals got pulled the day before my discounted rate with NR ended), anyway... i have only recently found out about CCA requests and as most of my debts are old and with DCA's i have decided to do some digging...

 

I have sent off a whole bunch ofthe CCA requests today recorded delivery with postal orders for £1 in each.

 

I am wondering what the likely reaction of the companies will be? I am still paying into my DMP and intend to continue doing so for now, are they likely to get uppity at my request and start adding interest and charges again or worse? I am a bit worried about that to be honest.

 

Below is a list of the DCA's and the approx amounts they say i owe, any info about how they are likely to respond or what i should do next would be great guys.

 

Cabot Financial (Europe) Ltd - 4k

Cabot Financial (Europe) Ltd - 2.5k

Cabot Financial (Europe) Ltd - £700

Clarity Credit Management Solutions Ltd - 1.3k

Link Financial Ltd 1.1k

Link Financial Ltd - 2.9k

Moorcroft - 1.1k

Paragon - 1k

Paragon - 1.3k

Wescot Credit Services - 8k

 

I have looked back and know i have more than paid back what i originally borrowed, this has been going on for nearly 10 years now and i need it to be over i think the bulk of the alleged outstanding amounts will be due to interest charges ect... but i just let the DMP deal with it for years and didnt take much notice..i also moved from CCCS to Payplan a year ago when i was toying with the idea of IVA which i didn't end up doing as wouldn't have been right for my circumstances :(

 

Any help/advice appreciated. Thanks again for being a great resource for information.

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no dca can add any charges nor interest - they are not the original creditor and are not bailiffs

so have ZERO powers to do anything.

 

shame you've been cash cowed for so long and have probably been unnecessarily paying them for 10yrs

oh well atleast they wont be able to have their free holidays so easily now

 

they have 12+2 working days to comply

as soon as they fail you stop paying each one or the lot.

 

whos the DMP with?

not a fee paying lot I hope!

 

moved to the debt self help forum

 

welcome aboard

I can see £1000's being written off here already.

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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Thank you, yes i wish i had found this forum and known about this earlier most have been with DCA's now for 9 years or more :/

 

I am on a free DMP with payplan so not paying anybody for that thankfully and was previously with stepchange,

i have asked both of them to send me all of the payments i made to them over the years so i can start to trace everything back to the original creditors and original amounts owed against what i have paid to date.

 

I will post further as and when i hear back from them, feels a bit weird but i am in unchartered territory here so appreciate all the advice anyone can give.

 

Thanks again :)

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ggod job..

 

just remember as soon as each fleecer fails the 12+2 working days timelimit

you are quite within your rights to stop payments.

 

It might well transpire that you cancel the whole PP DMP

as most will fail at the same date.

 

sadly these orgs do nothing to check enforceability like you are now

they just recommend paying as they get a cut.

 

make sure you didn't have their version of PPI 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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Yes i am looking at PPI too,

there are also a couple of old bank accounts too with Santander on the DMP,

i am not sure what to do with those,

one was an original overdraft of 1300 plus but is down to 149 left so not too fussed,

the other one is a bit weird as that was originally 1300 ish too and they reckon the balance is currently 2349 ??

 

Also the account number and sort code listed in the DMP are different to the original acct number and sort code..

.i am going to query that with Payplan,

i have never received any statements or anything from Santander since the accounts defaulted so any advice on that would be most helpful!

 

Thanks again!

Edited by strike_back
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I would suspect these bank accounts are no longer owned by the OC and are now being paid to a DCA?

 

payplan charged some kind of PPI too so check their statements carefully

might pay you to send them a free SAR?

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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No it says these are still being paid to santander.. i find this surprising too after all this time they are the only ones not to pass the debt onto someone else.

 

I dont think i have any ppi with payplan i have been with them since Jan the bulk of the DMP years have been with stepchange..previously CCCS, never have fee's or anything ever been mentioned by either...i will look into this...stepchange are posting me everything i have ever paid them after me requesting the info today so it should show up there, thanks for the advice i didn't know they took a percentage.

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ok great

let the deforestation attack your mailbox

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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Well i have had my first letter back.

 

It is a response from Clarity about the 1.3k they allege i owe. They have returned the postal order to me and advised in the letter they have put the account on hold while they raise the matter with Cabot Financial who they are acting on behalf of. The letter also asks to contact them if i wish to negotiate a settlement in the meantime.

 

Should i respond in any way and should i keep paying them through my DMP?

 

Should i be concerned they returned the postal order?

 

Thanks.

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no you cease payment when any/all of them fail the 12+2 working days deadline for whatever reason.

 

and no you don't write at all.

 

so one cash cow account removed from the milking parlour

 

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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Had a response back from Cabot on the 4k outstanding loan, they have provided a copy of the original CCA with my signature on it ect and a full soa of all payments.. and have advised it is legally enforceable, it does look like the original agreement tbf. Not heard back from them on any of the others yet though....

 

The 8k with wescot, i have not had a response from them directly but i have had a letter from 'Lowell' who wescot are apparently collecting on behalf of (i didnt know this) it is just an annual statement though, no CCA and no acknowledgement of the request, it is the first time Lowell have ever sent me anything regarding this account...not sure what to make of that.

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Best to go start a new thread in the forum of the named original creditor and scan up the lot to one multipage pdf

Read upload

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,

 

the 12 +2 days is up at the end of this week,

here is an update on what has happened since i sent off the requests:

 

Cabot Financial (Europe) Ltd - 4k - Have provided a signed copy of CCA looks accurate i will upload when i have some more time.

Cabot Financial (Europe) Ltd - 2.5k - Have provided a signed copy of CCA looks accurate i will upload when i have some more time.

Cabot Financial (Europe) Ltd - £700 - Have provided a signed copy of CCA looks accurate i will upload when i have some more time.

Clarity Credit Management Solutions Ltd - 1.3k - Have sent me a letter advising account is on hold whilst they contact CABOT about my request who they are collecting on behalf of not heard anything else - Thoughts?

Link Financial Ltd 1.1k - No response

Link Financial Ltd - 2.9k - No Reponse

Moorcroft - 1.1k - Received a letter from 'Arrow' advising moorcroft collect on their behalf, they have sent a statement of account with payments going back 3 years and the letter also has the name of the original creditor and the agreement number (virgin money) - no copy or mention of CCA and advises to contact moorcroft with any further questions - Thoughts?

Paragon - 1k No response

 

Paragon - 1.3k No response

 

Wescot Credit Services - 8k - Received letter from Wescot sending back the postal order and advising the account is owned by Lowell, Lowell have sent me a statement of account going back 4 years and also the name and the agreement number of the original creditor (HSPF), no copy of the original CCA and no mention of it - Thoughts? I am going to send a CCA request directly to Lowell with another postal order to see if they comply i think, would that be the correct course of action?

 

Any advice around next steps massively appreciated, i would like to offer low settlement offers to close the accounts ideally, would this be a good idea and would they be likely to accept? :)

Edited by strike_back
spelling mistake
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those that fail the 12+2 working days limit stop paying.

 

those that have returned what they claim is a CCA

scan it all upto ONE multipage pdf...read UPLOAD

 

then go start a new thread in the forum under the name of the original creditor [use the main forum tab top left and drill down]

and start a new thread there

give us the all info about the debt itself like you have here already

then attach the upload

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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