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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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PayPal debt and Westcot debt collection - Fraud buyer


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Hello all, apologies if this is repeating other posters, but just needed some reassurance or additional advice:

 

I was sc@mmed via an Ebay/Paypal seller.

I sold a bike to a buyer, the payment was requested as bank transfer, however the buyer suggested using PayPal and all I needed to provide was my email for him/her to deposit the money to my PayPal account.

 

The money was deposited, the bike collected (I didn't ask for a collection receipt as it wasn't a courier I had arranged).

I removed the money from my PayPal account, and thought everything was good.

 

Two days later, PayPal indicate that the the person who deposited the money didn't receive the bike and the money will be paid back.

Now I am missing a bike and my PayPal account is negative £900.

 

I argued strongly with PayPal, explaining the details of my case, supplied the CRN, all conversations with the buyer, etc, but with absolutely no joy. I haven't had any formal communication from PayPal about paying the debt, however, this week I started receiving communications from Westcot (2per day at present). Their number is blocked and I am making a log of their calls.

 

My question is, how do I know if PayPal have sold my debt, or have they just instructed to recover it on their behalf?

 

If they have sold the debt, am I legally obliged to pay it back?

 

In my eyes I don't have a debt and it was PayPal's decision to give the money back from the process of an obvious [problem].

 

I am quite happy to go to court as I believe PayPal are assisting and allowing fraudulent transactions to take place. It is apparent their security is flawed, and I would love to fight this, I'm just concerned that if PayPal sold the debt that they created then I am tied in to paying Westcot which clearly I don't want to do.

 

Any advice on this would be very much appreciated.

 

Clearly I haven't disclosed all details as its quite complex, but nonetheless I have been the victim of a this and PayPal facilitated this.

 

Regards.

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Simply put - They havent sold your debt...

Wescot will act as agents. I owe Paypal £88 - This was for a failed transaction where I didnt receive goods but it didnt register and they still took payment (I reversed it)

Wescot have tried to enforce this with me - But they have gotten nowhere.

 

Dont worry about it - Please just go live your life :)

 

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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paypal/ebay can do nothing to you

its part of the business structure to absorb these sc@ms

 

they happen 1000's times every year probably by month.

 

simply ignore everything

they can do nowt as they are based in luxy.

no DCA have ANY legal powers

they are NOT BAILIFFS.

 

simply ignore

use a few differing details if you ever need ebay/paypal again.

 

moved to the online stores forum.

100's of like threads here.

 

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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Hi Thanks for the feedback.

 

Reading the other threads it seems people have been able to remove their associated cards and bank accounts from their PayPal account to stop them taking money (supposedly) owed. When I try and do this I just get an error saying there is a problem and can't complete at this time.

 

Should I be worried, can PayPal enforce a debit from either my bank account, debit card or credit card that is associated to Paypal.

 

Just to clarify i have never set up a direct debit, have only ever used PayPal to pay for items bought from online retailers.

 

Westcot are now pestering me 2x per day. I'm just ignoring at the mo.

 

Thanks again in advance.

Edited by dx100uk
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Whatever funding sources are on paypal ring the relevant bank

Cancel any CPA's and tell the bank they are not to honour any further payment requests of any kind to paypal

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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  • dx100uk changed the title to PayPal debt and Westcot debt collection - Fraud buyer

 

Hello, as I see a couple of people have commented again about this is issue and removing funding from PayPal, I wanted to clarify what has happened in this situation from when I posted this thread.

 

I tried removing cards and linked accounts from PayPal, and it does not work, all I get is this error "We're sorry, we're not able to process your request right now. Please try again later",

 

I have tried numerous times since this saga began and get the same issue, clearly PayPal put some kind of block on the function.

 

Instead, i did cancel all my cards that were linked to account,

I do however have a bank account linked,

but I do not have a direct debit agreement,

so I am sure they can't instruct a withdrawal.

 

I spoke to all of my banks who said they would refuse any PayPal transactions that occurred without my authorization.

 

just to clarify, in my personal experience, PayPal will not let you remove cards/accounts ( I doubt this is legal?!), but thats how it is with my account at least!

 

To close the matter, and to help with others who end up in this situation,

Westcot pestered me everyday, twice a day, for approximately 6 weeks, i ignored all correspondence (letters and phone calls).

 

Then it all went silent and i haven't heard anything since mid December 2018.

 

Fingers crossed it remains that way.

Thanks for the advice, it really did help me to ignore those DCA clowns.

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post moved to your own thread.

 

yes you cancel the CPA's that way it works.

it used to be that you could remove funding sources, as I have just checked and you can.

but im not 'overdrawn to Psypal' as you might have been.

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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