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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.

      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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Make them an offer... or go Bankrupt?


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Hello,

 

I've been unable to work for some time due to health problems and over time my debts went up to £70k, mostly on credit cards.

 

I CCA'd all the banks, and one of them defaulted on my request. Then after several letters they admitted that they couldn't find my original agreement, and so the debt was unenforceable. As a result they have written off £20k. Now what should I do next...

 

Option 1

 

I do have the option of going Bankrupt, since I have few assets and own no property. Also since I'm currently unable to work, the Receiver could not setup an IPA. Unfortunately, in the case of Bankruptcy, my remaining creditors would probably receive nothing.

 

Option 2

 

However I am considering making my creditors an offer to repay 25% of the outstanding £50k over 10 years. In my offer I would stipulate that no further charges or interest should be added to the debts, and that the repayments are fixed ie. they cannot be reviewed or varied at a future date.

 

Please advise, is there anything else I should include in the offer letter?

 

The creditors might well accept this offer, since I can point out the alternative of Bankruptcy, which would result in little or no repayments at all.

 

Please could you give me some advice... should I just go Bankrupt, or use my strong bargaining position to setup a low repayment deal?

 

With my repayment offer of 25% I would end up repaying £12500 over 10 years with no further interest or charges applied. That from an original debt of £70k. Wouldn't this mean that I've done rather well... or should I just go Bankrupt?

 

Thanks in advance

 

John

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Sorry to hear about this, but in this case I would advise the big B.

Do you really want these debts hanging over you for the next 10 years, at least with a bankruptcy everything will be cleared up rapidly once and for all.

Be VERY careful whose advice you listen too

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yep, Bankruptcy look like your best option, with no property it should be very stright forward.

 

It will be All over quicker then you think and rember Bankruptcy is there fot YOUR protection and none of these sharks can phone or write to you agian! Just make sure you include every debt

 

 

I'm i right in think after 6 years it's whiped off your credit file too.

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If you're unable to work then you are going ot be struggling ot pay the 12.5K. It is unlikely they will freeze interest and charges for 10 years, and you will jsut spend a lot of this time fighting them for charges back etc.

Any DMP that takes longer than 5ish years is not worth entering.

I agree with the rest go BR sooner rather than later.

Consumer Health Forums - where you can discuss any health or relationship matters.

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My dmp is for a further 8 years i've been in it 3 years, all my creditors have frozen intrest and removed chargers.

 

In my position i have considerable assests and a regular high income, it seems to be working for me.

 

I tryed an IVA they all said no way, and as for the big B my assest are a lot more then the outstand debts.

 

I have defults but have avoided court, so i really feel it's working every month a see the total going down.

 

But if anyones got any better advice i'm all ears...

 

PS

 

Sorry about the hijack

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I dont wish to dishearten you Thepower, but there are many instances of people on here in a regularly maintained DMP who have had their accounts turned over to DCAs by the OC as the returns were not quick enough for them.

I hope it works out for you in the long term.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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My dmp is for a further 8 years i've been in it 3 years, all my creditors have frozen intrest and removed chargers.

 

In my position i have considerable assests and a regular high income, it seem to me working for me.

 

It is not unheard of, but where people are struggling to pay a very small % of their debt for a long time and they have no assets then BR is the most sensible option.

Whilst yours is working OK, quite often creditors, get fed up and pass the debts on to DCA's.

I am pleased it is working for you and if more creditors acted this way, then more people would be able to make realistic plans to clear their debts.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Only Northern rock from time to time aask for more, i say no and they go away

 

most of the debts are with the orginal creditor, i think this helps the

 

The DCAs i've delt with have been total sharks

 

I'd love an alternative... really don't want this around my neck for the next 8 years.

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I'd love an alternative... really don't want this around my neck for the next 8 years.

 

What sort of % return will they get over 11 years?

Can you start a new thread on this and I'll move the relevant posts to it so we don't carry on hi jacking this thread. PM me the link

Consumer Health Forums - where you can discuss any health or relationship matters.

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If you do want to discuss this with people who have already gone bankrupt, moneysavingexpert.com has a bankruptcy forum that might be of interest - http://forums.moneysavingexpert.com/forumdisplay.html?f=136.

 

I agree with the viewpoints expressed so far. this kind of agreement isn't going to be legally binding, and it would probably be better to go for bankruptcy.

 

You DO need to seek professional advice on this, for example from CAB or the National debt Line.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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