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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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been with payplan for 12yrs..now advise IVA.


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I was 66 yrs old 2 days ago.

I have been in hospital for 3 weeks

just got out but i have been worried about all my debts (plenty of time to think in a hospital bed)

 

Summary

 

1) I have been with Payplan for 13 years and i have never ever missed apayment.

 

2) I have paid back £19,206.54 and my remaining debt is £52,233.72

 

3) My estimated DMP completion date is 28/04/2055 in which i will be 103 years old.

 

4) Owing to bad health i will not be around that long.

 

5) Payplan keep pushing me to start an IVA which is bad advice as it is not guaranteed i could keep up with the payments.

 

6) All debts are from 2005 and are not reported on my credit file also interest was frozen years ago.

 

7) I have 12 creditors Wescot Credit Services, Cabot, PRA Group Ltd, NCO Europe Ltd, Hoist Finance, Lowell Financial Ltd etc

 

😎 Most of these debts have been resold many times.

 

Hoist Finance have sent me a letter offering a 69% discount on a debt which my son has offered to pay on my behalf.

 

I am thinking about offering full and final payments over the next 5 years if i live that long and if i can gather any money together.

 

I have ZERO assets and live in rented property.

 

I will not declare bankruptcy under any circumstances.

 

Can you offer me any advice which would be very much appreciated

 

I am very worried about this and somewhere along the line i need to try and put money away for my funeral.

 

I am very grateful for your help and thank you for your time.

 

 

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£5,002.19[/TD]

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,075.66[/TD]

[TD=class: expand_link][/TD]

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,520.76[/TD]

[TD=class: expand_link, width: 10%][/TD]

[TR]

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£3,663.85[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Hoist Finance[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,084.62[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Lowell Financial Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£3,282.98[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Moorcroft Group Plc[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,413.83[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Moorcroft Group Plc[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£8,226.64[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]NCO Europe Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£5,267.35[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]PRA Group Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,895.64[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]PRA Group Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,666.09[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Wescot Credit Services[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£7,997.31[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Wescot Credit Services[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£7,136.80[/TD]

[/TR]

[/TABLE]

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stop paying ALL OF THEM

and send each one a CCA request

 

for 12yrs you've been cash cowed

 

bet not ONE of the debts are even legally enforceable now.

 

stop dancing to DCA and payplans tunes...ITS YOUR MONEY..TAKE CONTROL!!

not let them BLINDLY lead you.

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 have removed all the account numbers from your post

we don't need them

would be nice to see what the original debt was

and who was the original creditor.

 

moved to the debt selfhelp forum

and retitled

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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Wow! I bet very few if any will have adequate CCA agreements for those accounts. Get some CCA requests off and don't pay a penny more to those who cannot come up with the relevant paperwork

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

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The Wescot and Cabot ones stick out like a sore thumb - they only usually buy debts that have no hope of being enforced via the courts. Have any of the debts actually been through a court in the past?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

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When sending CCA requests is it ok to send a cheque for £1 rather than postal order?

 

I presume they should be sent by recorded delivery.

 

Thanks for your help very much appreciated.

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no!! read why in the CCA posts.

no need to waste money

all you need is free proof of posting from any PO counter and 1st class.

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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Youre being cash cowed hard. Chances are you owe NONE of that.

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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dx100uk many thanks for all the links which i have now read.

 

I have just purchased 13 x £1 postal orders and will print out the forms and send them off on Monday.

 

I will keep paying Payplan until i receive replys from creditors and will let you know the outcome.

 

I have not been in good health and could not tolerate the stress of debt collectors banging on my door also receiving threatening letters.

 

dx100uk it is very good of you to take out your spare time to help me and i thank you and everyone else who has replied.

  • Haha 1
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a dca door stepper IF they ever did come are totally powerless.

 

for wescot, nco and Moorcroft

send the CCA request to their stated clients from their letter ..not directly to them.

 

pers id just stop paying PP now.

 

you'll soon get the flurry of deforestation thru you letter box

then we can deal one by one.

 

if you don't know the clients as above, then don't bother with a CCA to wetcloths NCO or Moorcroft

just stop paying. and you'll soon know who needs it to be sent too.

 

cant find the thread at present

but there was one chappy that was paying those 3 for the SAME DEBT...turned out he was +£400 in credit..got the lot back+interest.

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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This is the info off Payplan website for NCO EUROPE

 

Newman & Co 16/02/2005

Newman & Co 16/02/2005

Newman & Co 16/02/2005

DO NOT USE - NCO Europe Ltd10/03/2005

DO NOT USE - NCO Europe Ltd08/05/2012

NCO Europe Ltd 09/08/2013

American Express 20/07/2015

NCO Europe Ltd 21/07/2015

American Express 08/10/2015

NCO Europe Ltd 08/10/2015

 

 

This is the info off Payplan website for MOORCROFT ACCOUNT 1

 

 

MBNA 16/02/2005

MBNA International Ltd 16/02/2005

Wescot Credit Services 26/07/2007

Arrow Global Limited 10/02/2017

Wescot Credit Services 10/02/2017

Arrow Global Limited 23/04/2018

Moorcroft Group Plc 23/04/2018

 

 

This is the info off Payplan website for MOORCROFT ACCOUNT 2

 

 

Goldfish 16/02/2005

HFC 16/02/2005

Goldfish Bank Ltd 14/06/2005

Wescot Credit Services 17/06/2005

Arrow Global Limited 10/02/2017

Wescot Credit Services 10/02/2017

Arrow Global Limited 23/04/2018

Moorcroft Group Plc 23/04/2018

 

Who do i send CCA request to.

Edited by dx100uk
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so

 

AMEX card...looks to be still owned by the OC

 

MBNA card - now with Arrows

 

HFC Goldfish card - now with arrows.

 

 

just stop paying NCO for amex..await their letter..no need to CCa yet

 

 

2*CCA to arrows re goldfish and MBNA cards.

(goldfish HFC CCA agreements don't exist they were shredded years ago]

 

MBNA CCA returns rom arrows are typically unenforceable cut n paste jobbies

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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sorry what does that mean?

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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Wescot do not buy debts and therefore not the creditor...only chase....CCA request to RBS

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Make sure its RBS and not Nasty West :becky:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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