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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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Rbos, Aic And Capquest


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Hi to all on the forum

 

Heres my story

 

Approx 10 years ago I had a Royal Bank of Scotland account and a £10000 loan, I fell into financial difficulty with the account becoming overdrawn and the loan payments falling into arrears, I also had other debts at this time so the letters were pouring in from the DCA's.

 

The DCA instructed to collect this particular account was Allied International Credit and the amount they said I owed to the RBOS was around £21000 as they have lumped both bank account and loan together, I disputed this as I was only overdrawn by £900 on my bank account and had made payments on the loan before I defaulted, they never listened and continued to threaten me with court etc, I was worried sick with their threats and actually drawn in by them and commenced to pay them £70 a month for a while, then I stopped paying again due to finance problems and the phone calls came, I just ignored their number, and sent them payment when I could.

over the last few years i have just sent them £50 monthly missing some payments when I couldnt afford it, I really havent got a clue how much I have paid AIC but this has been going on since 1998

 

In November 2007 I received two letters from Capquest stating they had bought both the flat loan account and bank account from RBOS the loan being around £11739 and the bank account £182, now this to me seemed like more realistic figures compared with AIC as my balance with them was still in the regions of £19000 .

 

I have since paid off all my other debts and this is the last one remaining, I want to know exactly what I have paid back and exactly what I owe and to whom.

 

My situation now is that I am paying Capquest £70 a month and AIC are still hassling me for "Full Payment of approx £19000".

I have told AIC that Capquest are dealing but they refuse to listen and continue to ring me.

 

Two DCA's asking for the same debt and with different amounts owing???:|

 

Today I have sent CCA Requests to RBOS (Branch Address), AIC and Capquest, Have I done the right thing?? and should I continue to pay Capquest??

 

Any advice is much appreciated

 

Thanks in anticipation

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Welcome to Cag

 

Were all the requests sent with £1 payment by signed for delivery?

 

Did you ask for a full statement of the account.

 

How have you been paying cheque/giro etc?

 

Usually it is the company demanding the money that I send them to. But the fact you have CCA'd any of them is the first step in finding out if they have the right to collect.

 

Good luck Cas

 

No idea how to make the title bold

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Welcome to Cag

 

Were all the requests sent with £1 payment by signed for delivery?

 

Did you ask for a full statement of the account.

 

How have you been paying cheque/giro etc?

 

Usually it is the company demanding the money that I send them to. But the fact you have CCA'd any of them is the first step in finding out if they have the right to collect.

 

Good luck Cas

 

No idea how to make the title bold

 

Hi Cas

 

Yes i sent £1 cheques with each CCA, the cheques in my wifes name, I have sent them all recorded delivery and I have also sent AIC a S.A.R - (Subject Access Request)

 

Is it worth me still paying Capquest the £70 monthly or should I wait till they relply to my CCA request.

 

Thanks

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12 + 2 days (working days ) after your request was sent will put them in default. If they haven't sent you a copy of an enforceable CCA by then you can stop payments.

 

Scan and post anything they send covering personal details to get an opinion.

 

If your nrxt payment is due before then I would put it to one side and only send it if they come up with a kosher CCA.

 

Cas

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Next payment is due on 1st Feb, if I havent received an enforcable CCA by the end of Jan I will withold payment.

 

So if I dont recieve a CCA within the 42 days from either of the three mentioned are the debts unenforcable? what would be my next step?

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Whoever is claiming money from you for an account covered by a consumer credit agreement (Loans and Credit Cards) are obliged to supply you with a copy of that agreement within 12+2 days if they fail to do so they are in default and should not continue to persue you for payment until they do so.

 

After a further month they commit an offence.

 

the 12 + 2 are working days so don't include sat sun or BH. If no CCA supplied you can stop paying if they continue to harrass you after a further month report them to trading standards.

 

Keep copies of everything you send and recieve along with all proof of postage and sighned for recipts from the Royal Mail tracking, I keep mine in the see through sleeves you can get and a 4 ring binder. The bigger the better.

 

Don't forget to post up any alleged agreement for opinions.

 

Cas

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I just came across this on another thread

 

OFT guidelines

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

 

2.6 Examples of unfair practices are as follows:

c. using more than one debt collection business at the same time

 

resulting in repetitive and/or frequent contact by different parties

 

d. not ensuring that an adequate history of the debt is passed on as

 

appropriate resulting in repetitive and/or frequent contact by different

 

parties

 

e. not informing the debtor when their case has been passed on to a

 

different debt collector

 

h. ignoring and/or disregarding claims that debts have been settled or are

 

disputed and continuing to make unjustified demands for payment

 

 

Surley sections in red apply to me in this case, RBOS have never informed me who the debt has been sold/passed to plus the fact I have 2 DCA's chasing me for same debt and the figures dont match up:eek:

 

 

My CCA requests were delivered today according to the royal mail site so I'll wait the responses.

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This morning I have checked my bank online and saw that the £1 cheque for CCA and £10 for S.A.R that I sent to AIC have been cashed.

 

I also receive this letter from Capquest....

 

capquestedit.jpg

 

So if RBOS say Capquest are dealing and Capquest need 28 days to find the CCA whats the chances of there being one?

 

I have paid loads of payments to AIC over the years but I am very suspicious that they have not been applied to my account.

 

I just want to know exactly how much I owe and what I have paid.

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  • 4 weeks later...

Have you had any updates since?

 

I have AIC chasing me for a £900 debt to NatWest that I tried to pay off - I told them I would only pay off what I owed and none of their silly wee charges - the guy threatened to come to my house so I told him hey I am on Argylle Street the now with some pals - why don't I come and see you and save you the trip??

 

He claimed that was a threat and he hung up on me - so its ok for him to come to my house - thats not a threat - but me going to him? Different kettle of fish - thats a threat - so I take it I am not even allowed to be on the same street for fear of intimidating the intimidater...

 

I'll bet the guy at the other end of the phone was a scrawny wee maggot who was bullied at school and this is the only way he can get his kicks now...

 

I just can't believe that despite me offering to pay off my rightful debt, they won't let me - nor will they negotiate - so now what - Summary Cause action? The legal fees alone will cost them more - and the beauty of Scots Law is that if I make them an offer of the debt (known as a "tender") and they refuse, if the Sheriff finds that I truly owe them £900 which is already admitted but none of the fees over and above, THEY have to pay all costs!!

 

Bring it on AIC - lets see what you are made of!!

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Hey guys, I have had dealings with this kiddon company before. Asking them for proof that they either own or are authorised to deal with this debt is always good for a laugh. Ask them for a letter of assignment from RBS giving them your details etc to chase, bet they won't have it or get V sniffy. This company generally don't have a clue what they're doing and just rely on bullying money from folk.

 

Good luck with them loL!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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  • 3 weeks later...

Well a quick update, I havent heard a peep from capquest apart from one standard letter from HL Legal which i responded to with the relevent template.

I received my S.A.R back from AIC which said I had paid over £4000 over the last 10 years.

 

I recieved a S.A.R back from RBOS which was very sparse, no details of payments made just phone calls etc spanning only 2 years.

 

Now today i recived a card from a company called SMC (Secure Mail Services) saying they have an item requiring my signature, see this thread http://www.consumeractiongroup.co.uk/forum/general-debt-issues/134589-strange-calling-card.html#post1420800

 

I have phoned SMS and told them to return to sender.

 

G2008

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