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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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Backdoor HFO CCJ and CO - old Virgin MBNA card debt


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they took me to court for ?credit card debt. i dont know what card. they did this after telling me that they accepted my monthly payment offer and had banked it. they got a charge against my house and applied to land registry. i have appealed this but there was another court date in feb and this was accepted by the judge. i have had next to no paperwork from this co and have never seen anything to say what the original debt was. due to personal grief i was in a bit of a mess at the time and agreed terms for a "quiet life"! any ideas anyone what i can do now. the land registry sent me a letter telling me basically not to appeal as they would charge me the earth and i wouldn't win! helpful.

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ok first things first do not panic

you need to send a letter to the debt collection company asking for a copy of the CCA that you signed, you must find out if the debt they are chasing you for is actually yours, these companies have a nasty habit of just going for the money without any legal claim to it. I cannot find the template for the letter but if you look at a few threads it should be there somewhere, they have 12 working days to give you the info, make sure you send special delivery, include a £1 for the fee and do not sign the letter with your signature, who are the debt company u dealing with?

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the land registry sent me a letter telling me basically not to appeal as they would charge me the earth and i wouldn't win! helpful.

 

You go ahead & make an almighty fuss anyway, dont be bullied into being silent :mad:

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regardless of whether they have charge order or not they still have to abide by your request, they need to prove that you owe the debt, you say you have no recollection of it, so let them prove its yours, have you made any arrangements to pay them at all? you said you'd had a monthly pay offer which they had taken

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Hi Mini

 

Unfortunately, a CCA request won't be much good at this stage. HFO have already gone to court, and obtained a final charging order. From what you have said, the chances are that HFO have done so without producing any evidence - if they had any in the first place, which I doubt.

 

You will need to apply to have the charging order rescinded and the original judgment set aside. It won't be easy as you haven't challenged the claim earlier, but it is possible. There are a number of grounds but it is difficult to advise without asking a lot of detailed questions. I suggest you have a word with your local Citizens Advice Bureau and let them have all the details. It may be that you will need a solicitor to present your case at the court.

 

One other thing, have HFO said anything about enforcing the charging order?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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What evidence did they provide in Court?

 

All might not be lost...

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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  • 5 months later...

had awful experience with t&r which culminated in them achieving an order against my property last nov. heard nothing since until yesterday had debt collector note through my door threatening me with bailiffs and warrant if didn,t contact him. (didn't know it was t&r at the time). upshot of all this was that they now want me to make payments on this debt as well. where do i stand?

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had awful experience with t&r which culminated in them achieving an order against my property last nov. heard nothing since until yesterday had debt collector note through my door threatening me with bailiffs and warrant if didn,t contact him. (didn't know it was t&r at the time). upshot of all this was that they now want me to make payments on this debt as well. where do i stand?

 

Hi Mini Mee - I would be interested to know if they got their CCJ on you by default - ie did you go to court and defend it, or did you just bury your head in the sand and do nothing - if it was the last it would appear this is what they hope for.

 

I am currently having a run in with them, and if you look around for my posts, got the same threats, but for the moment have got them holding off.

 

I am not sure what you can do now that have a charging order, but hopefully some of the other good people on here will.

 

Out of interest, how much did they get against you on the CCJ

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i didn't go to court because i didn't know until they had done it. no ccj as far as i am aware they went straight for a charging order. i had an agreement with them to pay monthly instalments but they never sent me their bank details and when they finally contacted me again to say they were taking me to court i was on hols

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Hi, fancy meeting you here:)

 

Is this the same case as this http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133477-hfo-got-charging-order.html

 

If so did you take any of the advice given then about trying to get judgement set aside. If not the last 6 months you have lost may have cost you.

 

What is the basis of your complaint. Are you saying the debt isn't yours or something else. If you went to Court in February and the CO was made final I struggle to see how you can now apply to have judgement set aside, nearly a year later unless there is something i'm missing.

 

Please try and fill in the blanks but as I said the time to act was earlier this year.

 

As for the debt collectors calling card does it say who from.? If so write to them using the template letter advising you don't want anyone to call. Also are you sure the card is about the same debt? As far as I am aware they can't enforce a judgement with a charging order and then try another means of enforcement as well (although I'm sure someone will correct me if thats not correct), so make sure that its not a different debt.

 

On the plus side, if you have no interntion of selling your house then they won't get their money for a good while yet.

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yes it is the same case. i did what was suggested contacting the land registry and filed but they won cos they had order. court case wwas in dec 07 not feb and didn,t know about it cos diana nelson told me she was cancelling the case as we agreed payment terms. she already had the case booked and simply went ahead behind my back! i only knew about it afterwards. the debt is mine but i dont know how much the original debt is as not had cca reply. the person yesterday said he was acting for hfo and they can ask for payments with a charging order in place as well. i dont know!!

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Hi minimee, Sorry I'm confused now. In your original thread nobody suggested appealing to Land Regsitry. They are only a recording agency and will only put on your title what the court instructs.

 

You were advised to apply to have the judgement set aside and the co discharged, which I guessing didn't happen.

 

In your other post you said you appealed it? and there was another case in feb which didnt go your way. what was the basis of this case?

 

Do you want to try and get the CO removed or do you just want to know if they are allowed to ask you for money now that they have secured judgement for your debt against your home. Unless the orginal order said so I wouldn't think so but will try and find out.

 

Please bare in mind that even if judgement is set aside you will still have to defend the claim again, if you don't have a defence the outcome may well be the same and you will incurr more costs. If you don't have to pay anything now, there are no more costs or interest the best thing to do may be to get the collector off your back and then relax knowing the debt is taken care of.

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I suspect that your knowledge of the existence of the judgment for this long will preclude you from obtaining an order setting aside the judgment. The charging order alone goes back to November 2007.

 

Applications to set aside have to be made promptly. A Judge would probbly decide you hadn't acted promptly. He might be persuaded to turn a blind eye to these requirements if you persuaded him that [a] there was a good excuse for your failure to apply promptly and, above all, your application showed the existence of good grounds for supposing you would suceed at a trial if the judgment was set aside and you were allowed to defend it. If say, it could be shown the debt was unenforceable at the time proceedings were issued, the Judge might just turn that blind eye. However, I'm not so certain you would be able to do this if with the assistance of a peson who appears to be a debt counsellor or similar, you were proposing to agree instalment arangements.

 

How much was the judgment worth when it was entered? This is important in terms of your exposure, to the type of bailiff which can be employed and the calculation of interest on your judgment.

 

As for the bailiff, there is nothing which precludes a judgment creditor who has secured his judgment on the debtor's property from beginning alternative enforcement steps. The creditor is merely obliged to reduce the value of the judgment debt by whatever is recovered so that, in the case of the charge on the property, the sum it is intended to protect will tumble by whatever sums are paid in redution of the judgment debt.

 

You can still seek an order for the payment of the debt by instalments.

 

x20

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i am confused too! the charging order was granted in dec 07. it was applied in feb 08. no other court case. my defence is that i have no cca still. the agreement with diana nelson was in place and she said the court case would be dropped. it wasn't but i was unaware of that until i had the letter saying that the co was applied. i originally wanted to know how to get the order dismissed and didn't find out. then i had to have emergency surgery in mar 08 and obviously it took 2nd place. i decided to leave the order as i have no intention in selling my property soon and i thought i was safe against any other threats from this company. until yesterday when this charmer appeared demanding some arrangement to pay as well as the chargin order in place.

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Ha, we're speaking over each other.

 

OK I got the date now. Earlier you had said the Claimant had succeeded in 'achieving an order against my property last nov', not there's much in the way of difference.

 

Right, so it was a representative from the Claimant's solicitor who said the case would be dropped after you had agreed an instalment arrangement. Did the failure to stick to the instalment arrangement then lead to the application for a charging order?

 

Can you answer some of the questions about the age and value of the judgment please? Also, when did you apply for a copy of the agreement and when did they begin legal proceedings against you? This has a bearing on whether the creditor can proceed.

 

x20

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Thank you for clarifying that. x20 I am suprised (although nothing should anymore) that once a charging order has been secured a creditor can still come after someone for payment. So in theory, if a charging order has been secured a creditor could still ask for an attachment of earnings or a warrant for balliffs? How common is that in practice?

 

EDIT - if the charing order was nov/dec '07, what was the hearing in feb '08 you refered to?

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Not that common. But obtaining a charging order is not akin to recovering the judgment. It is merely securing it. So if after obtaining the charging order the creditor learns the debtor has found an income, acquired a valuable asset like a car, won the lottery or even become the owner of another house (ie grounds for 2nd charging order), the creditor can adopt further enforcement procedures.

 

That's not to say the creditor would do that; just that he 's not precluded from having a go.

 

x20

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