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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
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    • 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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Resolve Call home visits - cabot re tesco card


roedeer
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Hello everyone. Im new here, so I hope I am in the right place.

I really dont know where to begin.

 

I was paying my credit card off at a reduced rate until around 3 years ago when my debt was sold to Cabot who more than doubled my payments.

It was too much for me to afford with no job, recently divorced and a young family to support. So I defaulted.

 

Other than one letter from Cabot asking me for full payment of my debt, I have not received any further payment requests nor notifications of home visits during this time. I have lived at the same address for 6 years. I am in Northern Ireland.

 

Last week I received a home visit from Resolve Call debt collection agency.

He said I would have got a letter giving me 7 days notice of his call, but I honestly did not.

He was very rude and really frightened me.

 

He said various nasty things and made some threats of court action, bailiffs and being made homeless if I failed to pay in full.

He also said that he will keep coming back until I pay up.

I have been terrified to answer my door for almost a week.

 

I really dont know what to do or where to go from here.

I dont have the money to pay them and they wont listen to reason.

I did query the account with him when he tried to push his way into my home by attempting to walk straight through me, but I did not admit to the debt.

 

They want the full amount or they will take me to court.

My original debt was for £15000 and with my previous payments it now stands at almost £9000.

 

Any advice would be deeply appreciated.

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resolve call?

trying to enter your house

you're kidding me.

 

you do realise that a DCA is NOT A BAILIFF

and have

ZERO legal powers to do ANYTHING.

 

next time he comes tell him to do one

leave your property or you'll call police 101.

 

god please don't fall for their powerless twaddle!!

 

when was the last time you paid anything?

and tell us about the card debt fully

 

original creditor

when taken out?

 

etc etc .

 

hope you are not blindly paying DCA's on any other debts too!!??

 

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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Yes, he did try to walk into my home "to discuss the matter further".

I did not permit him to enter my home and asked him to leave.

He did after making a few thinly veiled threats.

 

I did not allow him to see that my legs had turned to jelly.

I suppose he saw a single mother with three crying little ones as an easy target to bully.

He was right, but I'm glad I did not allow him to see that I was frightened.

 

My original credit agreement was with Tesco bank.

Card taken out in 2009 and first default in 2013.

 

My payment plan was with Tesco and I was paying for around a year via direct debit until they sold my account to a DCA who made my payments unaffordable from the start of their involvement around mid 2015.

 

I have never paid any DCA.

I have not heard anything about this account until last week.

 

My last payment (reduced...made directly to the creditor) was may 2015.

 

Thank you for your assistance.

Edited by dx100uk
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this should vanish from your credit file on the defaults 6th birthday

doesn't mean its not owed, but atleast that will improve your rating.

 

were Tesco's informed of your new address? I will assume it was taken out at a previous one?

i'd have expected a few more threat-o-grams than one from cabot, then a mucky brigade visit long time later?

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 informed Tesco of my new address.

 

I moved in 2012 and my first default was 2013.

My reduced repayments remained the same until my debt was sold to Cabot who increased my repayments to the unaffordable level.

 

I had no way of meeting their requests and I stuck my head in the sand.

I was told that my debt had been sold and that I should now deal with Cabot, but when I could not meet their repayments I only got one letter asking me for payment in full.

 

Nothing else at all.

Not even a telephone call and I have not changed my number in 15 years.

And certainly no letter saying a DCA would make a home visit.

I don't know what my next step should be.

 

I'm terrified of their next home visit.

He was an imposing person and rather forceful.

I'm scared of court action or being made homeless with 3 kids.

Edited by roedeer
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If he dares to call again, you dont answer the door. You just call the local police and say you are being harassed and threatened.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you for your assistance in this matter

. I will try not to answer the door without knowing who is calling first.

 

Should I try to rearrange a repayment plan my original creditor?

Or with Cabot?

 

I really can't see them being any more reasonable now than they were in the past. However, the agent said he will keep calling at my home until I pay in full and that is really frightening.

 

It will take me years to pay it off .

I don't relish the thought of daily/weekly/whatever scary visits.

Edited by dx100uk
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CCA cabot. The fact they told a silly doorstep collector to try his chances proves theyre on shaky ground. The Original lender have washed their hands of the debt and dont care now. Cabot bought it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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What part of they are totally powerless are you not understand ing??

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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I'm really sorry that I am so clueless about this.

I dont mean to be annoying.

I apologize for my lack of knowledge in this area.

 

I came to this site to help improve my knowledge and I am grateful to you all for your help.

 

May I ask what a CCA is please?

I have not heard anything about this account in three years until last week.

I was foolish to forget about it.

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pers i'd let this run.

 

you don't have to jump when a DCA says so.

 

see if that powerless doorstepper does comeback.

if he does...put a fea in his ear

 

talk your mobile phone with you and FILM HIM whilst you tell him he is not a bailiff

has no power whatsoever and lied to you before..

and if you don't leave NOW.

my next action will be to call the police 101...are you going yet!!

do not engage in conversation with him at all.

 

then see where this goes.

 

you've really got zero to worry about.

 

you do realise any money you might have thought about paying him will probably end up in his pocket...they are commission based ..

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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:rockon::rockon:

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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can you confirm if your are still living in Northern Ireland?

 

bailiffs or DCA doorstep collectors are not allowed to operate in NI the only type of legal enforcement officers are appointed by the courts and are all court employees

 

they can only come to you door after a CCJ has been issued and it is then transferred to their office for enforcement

 

completely different rules here in NI than England and Wales

 

if they call back get straight on to 101, and report to the police

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same as they do in Scotland where there is no such thing as debt collectors

but numerous dca's are based there and several Scottish councils use them..fathom that one out...:lol:

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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