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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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    • We have finally managed to obtain the transcript of this case.

      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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Ann summers problem


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i was a party planner and my earnings didnt really cover much

 

slowly i slided down to the point where i wasnt making a penny for my time

 

i packed up my whole kit (just over £250 worth) and sent it back via their choice of returns.

 

They are now trying to claim i still owe £220.00! even though my kit should have covered it.

 

with various tennis emails ive decided i will just repay what i supposedly owe and what not.

 

i sent them an email yesterday saying i was willing to set up a payment plan of £5 a week, (£20 a month)

and would like any interest or charges frozen so i can repay what i owe without

digging deeper in debt. i have had this for a reply :

 

Collections Team wrote:

 

Good afternoon Hazel,

 

Thank you for your email.

 

Unfortunately we can only set a payment plan up of 3 months, and therefore we are unable to accept the payment of £5 a week.

 

If you have any further queries please do not hesitate to contact us.

 

 

 

 

can they actually do this? i replied asking how much it would be over 3months this is the reply :

 

 

Good afternoon Hazel,

 

That would be £73.98 for 2 months and £73.99 for the last month, we would need you to call us to make the first payment and to set up the payment plan.

 

If you have any further queries please do not hesitate to contact us.

 

 

 

 

 

can they only set up a payment plan over 3months? what is the difference to if i want to set it up over 6 months? ive replied to try and haggle it over 6 months any help here?!

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Theyre doing their normal crap. Repayments are made by what you can afford. Not what they say.

 

It really is as simple as 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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this was my reply :

 

I apologize but i wouldnt be able to pay £73 a month back as i would not be able to afford this.

 

I would however like to get the debt cleared quickly just like yourselves! Would you perhaps

be able to spread this over 6 months instead? Making it £36.98 for five months then a final payment

of £36.99. With being on benefits i feel this is a very generous offer towards sorting this arrangement

out thanks.

 

 

 

 

no reply as of yet, but if they decline this what would i be able to do? leave it until they try and take me to court for it or what??

i am keeping everything in writing dont want any phone calls this way i can keep note of everything!!

 

 

p.s. is there any letter templates with laws on repayment plans at all??

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i packed up my whole kit (just over £250 worth) and sent it back via their choice of returns.

 

They are now trying to claim i still owe £220.00! even though my kit should have covered it.

 

Why do they say you owe them £220.00?

 

If you haven't already done so, ask them (in writing) for a breakdown of what they think you owe and why they think you owe it.

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Agree with the above post. Do NOT pay a single penny until you have a comprehensive breakdown of the alleged amount owed.

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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Yes, I would want to know how they have come to this figure of £220.00. Do you have a written contract with them that advises any liabilities in the event you wish to quit ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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they have already sent me a break down of why i owe it, i sent my kit in two parcels

and they apparently didnt recieve the second parcel which means i am liable for it

even though the parcels were picked up together signed for together!

 

 

recieved a reply to my offer still refusing!

 

Good afternoon,

 

Thank you for your email.

 

Unfortunately we are unable to set up a longer payment plan than 3 months.

 

Sorry for any inconvenience this may cause.

 

If you have any further queries please do not hesitate to contact us.

 

 

 

*Please ensure that you reply with all emails attached, and reply to the Communications Team ([email protected]) rather than directly to the Operator, this will ensure your query is dealt with as the Operator may not be available to deal with your query*

 

 

 

frustrating just want to get them off my credit rating!!!!

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So they have signed for both parcels, but say they have only received one ? Have you obtained the proof of receipt by them ?

 

If you paid for the extra "signed for" and they are saying that one parcel is missing, you should be able to reclaim from the carrier.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Do NOT let them bully you into paying more than you can afford. You have made an offer over 6 months which apparently even then is stretching your finances.

 

Tell them, that is all you can afford and if they feel unable to accept this then you are quite happy for them to place their case before a Judge, at which point you will confirm you have made this offer and it was refused by them.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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No they dont sign the parcels basically you pack the kit into a box and ann summers arrange for a courier to collect

when they collect your given a barcode to put on the parcel (but it only goes on one parcel out of the two) then they sign a receipt (which i think i have still got somewhere)

and take the parcels. from the point that it left my door to ann summers the second parcel seemed to have disappeared hence the outstanding balance. ive heard its not the first time

from places like ann summers and avon. i cant reclaim from the courier as its ann summers that arranged it all with them im literately the middle person that ends up with all the charges.

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No they dont sign the parcels basically you pack the kit into a box and ann summers arrange for a courier to collect

when they collect your given a barcode to put on the parcel (but it only goes on one parcel out of the two) then they sign a receipt (which i think i have still got somewhere)

 

Find the reciept, if it says they collected two parcels then you owe them nothing.

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Photocopy the receipt and send that to them. Never send them the original..

 

For sure, dont let the original receipt out of your possession. Photocopy it.

 

Let us know if you find the receipt, although the carrier should be able to provide a copy of theirs and we can help you draft a letter confirming that you will NOT be paying them anything.

 

:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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i will look for the reciept now, who do i give the receipt to to prove that i dont owe anything??

 

As others have said, keep it and send a photocopy. I would think that the receipt will have a number on it, so emailing them stating you have the receipt showing you gave the courier two parcels should be enough, as they can contact the courier and confirm what is on the receipt.

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I would not pay them one single penny. If they [ Summers] arrange for the goods to be picked up by courier , then that is the end of the matter. Even without a receipt , i would not pay this ridiculous so called debt. The burden of proof is with Anne Summers, not you. If you still have a copy of the receipt, ... game over, but even without one , they are on very shaky ground IMO. Good luck & try not to worry

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