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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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Lowell/Red Debt Collections??????


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Good day all, Having read a few of the threads on here im in the belief that this is the best place for advice.

 

Earlier this week i received a letter from Lowell claiming they had purchased a debt from Lloyds bank in my name of £4000 and that they would be passing it to there other dept Red Debt Collections. The following day i received a letter from Red Debt Collections informing me of the same debt and that they wish me to contact them to arrange either payment in full or make suitable payment arrangements.

 

The debt in question is from 1996. I being a young soldier came home one summer and borrowed £6000 to purchase a car. I paid my repayments until 1998 where i then admitedlly stopped paying. Since 1998 i have not heard from Lloyds TSB whom i borrowed the money from and neither have i contacted them. There has been no correspondece between us for over 10 years now??

 

I believe from reading on here that as it is past 6 years of any type whatsoever of correspondence then i am within my right to refuse any further payment. (I have not contacted them yet)

 

Also after these letters i got an experian report. I noticed that upon my report there is no mention of any Lloyds TSB account. I also noticed that Lowell have viewed my credit report 4 times in the last 8 weeks. This has been done without any knowledge or consent from myself. I have not even applied for any credit from a different company within this time???

 

How do i go about sorting this out??????

 

Dave

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Send these clowns the Statute Barred Letter. They are a bit slow on the uptake but eventually the message will sink in.

 

Dear Sir/Madam

 

Acc/Ref No 4563210025897412

 

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

We look forward to your reply.

 

 

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They will say taht they have a right to look at it as when you signed the HP for the car you would have signed a bit about your details being checked with Credit Reference Agencies.

 

Send the Stat Barred letter by recorded delivery. DO NOT SIGN THE letter. They will respond by saying that they are prepared to offer you an amazing discount if you settle right away. They are peeing in the wind as there is no LEGAL action they can take on a Statute barred debt. Let us know their silly response

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I received 3 letters from them today and to be honest i lost my rag and called them. (I did not admit or acknowledge any debt with them) I asked them if i could be sent a copy of the agreement between them and Lloyds for the alleged debt as i have no idea what they are going on about. They told me i made a payment upon 28th June 2002 of which i replied i had no recollection of making any such payment and that i requested proof of such payment. I asked who was the payment made too and the answer i got was "I cannot tell you". I informed them that if i had made a payment for the alleged debt then this would show upon my credit report as a default and the last payment being on the 28th June 2002. I explained my report has no mention of Lloyds and neither does it have any kind of default or judgement of said amounts of monies. The guy repeatedly said "Have you had a loan from Lloyds" to which i kept replying "I do not wish to disclose my personal information to yourself" The result he got irrate and put the phone down on me to which i laughed for about 15 mins uncontrollably. I then sent them this letter

 

Mr xxxxxxxxxx

xxxxxxxxxxxxx

xxxxxxxxxxxxx

xxxxxxxxxxxx

xxxxxxxxxxxx

 

9th April 2008

 

WITHOUT PREDUJICE

 

Dear Sir/Madam

 

Acc/Ref No –xxxxxxxxxxxx

 

You have contacted myself regarding the account with the above reference number, which you claim is owed by Myself.

I do not acknowledge ANY debt to your company.

 

I would like to point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”.

 

The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time.

 

Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

 

The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

Also upon the 9th April 2008 whilst in conversation with an advisor of your company they stated that they have evidence of myself making a payment upon

This alleged debt in June 2002. After speaking with the consumer Credit Counselling Service I was advised that I am entitled to see proof of any such payment being made.

 

I was also advised that if a payment had been made upon an alleged debt this would then show as a default upon my credit report as no further payment. I can confirm that

There is no such default for any alleged Lloyds debt nor is there a default of such value upon this report from any companies.

 

I await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter.

 

I look forward to your reply.

 

Yours faithfully

 

xxxxxxxxxxxxxx

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Certain DCAs have been known to 'invent' imaginary payments of a couple of quid to try to keep a debt within the dates. In fact Lowells tried this trick with me. Unfortunately for them the date they quoted I can prove that I could not possibly have made such payment. They have been repeatedly asked for proof that I made such a payment and have yet to supply any proof whatsoever. This would be because they cannot.

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When I contacted Lowells about a similar alleged debt that would have been clearly statute barred, they came up with a letter that said I made "an attempted payment" on a certain date within the 6 years. What? Did I nearly write a cheque, or did I trip and just miss the post box after writing a cheque or did I buy a postal order and then get really depressed and decide to give it to my hamster to chew?

 

As I have only ever had one bank account in the last 20 years of which I have every statement, I can show that no such payment was made, as I am sure you can if you ask your bank. The statement they are making may be a throw away statement for them, but could constitute attempting to obtain money by deception or perverting the course of justice? What do you think?

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Thats good to know ODC. That has been niggling me but i am pretty damm positive i have not made any payment. I tried to catch them out and called back to a different operator and said "Im sorry your colleauge has just told me of a date when i SUPPOSEDLY made a payment upon an ALLEGED debt. Can you tell me this date please for my records. This person then gave me the same date. That left me wondering if they really do have a date or if its a date pulled out the hat and put onto their system by the person responsible for setting up cases.

 

Either way they have to prove i made a payment.

 

Also before the end of my second call the operator said "Mr HXXXX if you can make payment today i can offer a major discount" After i picked myself up from laughing so hard i said "Discount on what? I dont owe you anything so how can you offer me a discount" He then also put the phone down. :lol:

 

He also told me that as i had contacted them i now had 14 days to pay the amount in full. I asked "And if i dont pay????" he replied "Errr i dont know it will be passed to someone higher up"

 

ABSOLUTE MORONS.........But such fun!!!!!!!!!!

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Hi Dave and Traderman,

 

NEVER SPEAK TO THESE "PEOPLE" ON THE PHONE!!!

 

They will lie, intimidate and bully you to make a payment or admit the debt.

 

You cannot rely on what they say if you have to go up in front of a judge ( should it come to that).

 

KEEP EVERYTHING IN WRITING ONLY and KEEP ALL LETTERS SENT AND RECEIVED.

 

SEND ALL LETTERS BY RECORDED DELIVERY or SPECIAL DELIVERY.

 

Sorry to spoil your fun but you may have to rely on your paperwork one day.

 

I had to today:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/134225-advice-please-sd-received-7.html#post1465239

 

PV :-) :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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PV i fully understand. I called them in a moment of madness and anger and realised later that in that state i could of said anything that could have gone against me although in this call i didnt. Im sticking strictly to paperwork from now on for definite. Most definitely after reading your thread.

 

Trader thanks for the info too mate.

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Thats good to know ODC. That has been niggling me but i am pretty damm positive i have not made any payment. I tried to catch them out and called back to a different operator and said "Im sorry your colleauge has just told me of a date when i SUPPOSEDLY made a payment upon an ALLEGED debt. Can you tell me this date please for my records. This person then gave me the same date. That left me wondering if they really do have a date or if its a date pulled out the hat and put onto their system by the person responsible for setting up cases.

 

Either way they have to prove i made a payment.

 

Also before the end of my second call the operator said "Mr HXXXX if you can make payment today i can offer a major discount" After i picked myself up from laughing so hard i said "Discount on what? I dont owe you anything so how can you offer me a discount" He then also put the phone down. :lol:

 

He also told me that as i had contacted them i now had 14 days to pay the amount in full. I asked "And if i dont pay????" he replied "Errr i dont know it will be passed to someone higher up"

 

ABSOLUTE MORONS.........But such fun!!!!!!!!!!

 

The date they have given you will be the date they 'bought' the debt. It will be the same on the system whoever you speak to. When they 'buy' the debt from the original creditor they are effectively making a payment on your behalf, although without your knowledge or agrement. The trick is now for them to get you to acknowledge and agree etc, thereby giving them the legal right to collect. Be warned.;-)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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PV i fully understand. I called them in a moment of madness and anger and realised later that in that state i could of said anything that could have gone against me although in this call i didnt. Im sticking strictly to paperwork from now on for definite. Most definitely after reading your thread.

 

Trader thanks for the info too mate.

 

That's excellent Dave!

 

Now do your research on here, shout when you need advice or support and then......

 

GO GET 'EM!!!!

 

PV :-)

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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The PO box address is fine, but hope you sent it recorded delivery.

 

I had to send 2 letters, but they eventually gave up and acknowledged that it was statute barred. I'm guarding that letter like it is gold dust, in case they try anything again in the future!

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Dave

 

Be careful about your use of Without Prejudice on your letters. It is not the correct use at this stage, only when you are negotiating a settlement. If it goes further and ends in court you are better to be able to present your correspondence before them to show how reasonable you have been.

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  • 2 weeks later...

WOW WOW WOW WOW WOW:o :o :o

 

I got a reply saying this word for word:

 

Our Ref: *********

Original Creditor: Lloyds

Balance Outstanding: £0.00

 

I am writing to inform you that after further examination of your account it has become apparent that it is now subject to Section (5) of the Limitation Act 1980 and as such we have now closed the account and can confirm no further correspondence will be sent to you.

 

Please accept my apologies for any inconveniance caused by this matter.

 

Your Sincerely

 

************

 

CHIEF OPERATIONS OFFICER

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Poor old Andy Pandy has been sending out loads of these letters recently. I just got two of them

 

This is a good thing though right?

 

About bloody time they backed down a little. From some of the things i have seen posted on here some people definitely deserve the relief of receiving one of these letters

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