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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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B Carter / Fredrickson taking cash out of my account!


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Hi there,

 

I defaulted on an egg loan around 2 and a half years ago. This led to my debt being sold to a DCA, I had an exchange of letters with them at the time and we agreed frozen interest and £50 a month to be repaid on the £7500 outstanding.

 

Since then i've let the direct debit stand, and somewhat stupidly forgotten about it. Today I was going through the last few months bank statements and realised that they had increased the payments to £55 without my permission and that last month they had taken the payment twice two weeks apart!

 

Obviously this is not on, but I have no record of my dealings with the initial company, who were definitely not B Carter or Fredricksons. I've cancelled the direct debit, but am not sure what action I should take next as this seems like a very shady way to do business.

 

Any advice would be greatly apreciated.

 

Many Thanks in advance.

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

 

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action.

 

I hope this clarifies some things.

Be VERY careful whose advice you listen too

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Bryan Carter are rather good at this. They write to me every year and thank me for my excellent payment record and state that they would like to increase payments by (I think) 10% - there is a tear of slip at the bottom to return if I don't want to increase the amount. Although I let it go the first few of times, this year I had just discovered this site and didn't like what I read about this company so sent the slip back to say 'no thanks'.

 

Have just noticed on my bank statement that they have taken the increased amount anyway. Now it's making em more inclined to stir things up a little. Might have to start a separate thread :rolleyes:

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  • 1 month later...

Hi All,

 

Wanted to give you a quick update and ask some more advice.

 

I sent off the CCA letter. and a cheque for a pound as advised. Special delivery shows it was recieved but the cheque has not been cashed. I have been receiving phone calls from them as I have cancelled my direct debit. I've just been telling that I'm not interested in telephone communication and that I've requested a CCA and that they need to provide me with a copy via post. Over the phone they say that I would have to contact Egg as they are just collecting on their behalf. Is this the case? I haven't dealt with Egg in over two years since the original default.

 

The absolute deadline is this friday coming and there is absolutely no indication that they will be providing me with the relevant paperwork. If this is the case, what are the precise steps to getting the debt officially and legally struck off, so as to protect my credit rating. Also I will have paid them well over £2000 by now, am I in a position to claim that money back?

 

 

Thanks again

 

D

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Hiya,

 

Well in answer to your question if the DCA wants to continue receiving payments from you they have to provide a copy of the agreement, if the 12 working day deadline passes and they have not you are within your rights to withold payment until they do, if a further 1 month passes they have comitted a sumarry criminal offence.

 

2 things will happen, either they will pass the debt back to Egg as they are not able to provide the agreement letter themselves (Most likely scenario) or they will request a copy of the agrement from Egg and then send it back to you.

 

Now in order for them to be able to enforce the debt AT ALL they must hold an agreement, it is the legal basis on which they rely on. If no agrement exists then the debt is completely unenforcable. Similarly if they provide an agreement that lacks certain prescribed terms or contravenes the Act and Regulations it can also be unenforcable, the only way to know is to send the request.

 

Post back more details when u get any more responses from either company, it will also be useful if you could post up a copy of the agreement (If,a and it's a big if they can provide one) blocking out any personal details so we can advise further.

 

With regard to potentially claiming back the £2000 you've already paid them this is highly unlikely, in recent case law the judge deemed this would most likely be unjust enrichment, as such it isn't really feasible.

 

kind regards,

shane

____________________________________________

All advice is offered freely & without prejudice

 

 

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Over the phone they say that I would have to contact Egg as they are just collecting on their behalf. Is this the case?

No. Under s175 of the CCA they as the agent of Egg have a legal obligation to pass on your request to Egg.

 

The absolute deadline is this friday coming and there is absolutely no indication that they will be providing me with the relevant paperwork. If this is the case, what are the precise steps to getting the debt officially and legally struck off,

I think you are jumping the gun on this. They won't necessarily just write the debt off because they can't at present enforce it.

Also I will have paid them well over £2000 by now, am I in a position to claim that money back?

 

No. You did not pay the monies under duress and just because they have not been able to produce a credit agreement does not mean that there was never any agreement and you did not receive the loan.

 

The righting off of debts is done under statute and enrichment is accepted to a degree as the enrichment is an occurrance of statute not be followed (in this case the enrichment would be that you have not paid off the loan).

 

Under common law, however, enrichment is an offence.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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