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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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Barclays Bank Court Proceedings


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Hi

 

I moved abroad about a year ago for work.

 

I had an amount of 25,000 overdraft with Barclays. They agreed to accept 10,000 which was all I could pay. They accepted this in full and final settlement.

 

I also had a 11,000 pounds loan outstanding to Barclays Bank on a bank loan taken out 5 years ago. The original loan was for 15,000, I have already paid back more than that in interest. This I was not was not part of the settlement and they would not settle.

 

I disputed the amount with them via a CCA and got back nothing.

 

Since I have moved abroad I have heard nothing from them for nearly a year. (My post is forwarded to me abroad by the new tennant that lives in my property).

 

Today I have been told that a court summons from Barclays has arrived at my old house. They are claiming the 11,000 + interest.

 

What do I do? Do I ask the new tenants to forward it to me ?

 

Please let me know.

 

I rung Barclays (not saying I knew about the legal papers) and their debt collection debt said that court summons had gone out to me. I explained I moved abroad a year ago. I offered them 4,000 in full and final payment and they said they would except 6,500

 

I dont want to have to come back to the Uk to defend this should I borrow the 2500 and pay it?

 

Any advice please??

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Well if they never sent you a copy of the CCA then they are in breach of the law and you dont have to pay them, remind them that you sent them this and so as it stands at the moment, the debt is unenforcable.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thank you.

 

Ok thats all very well but the court case will continue. I wont be there to defend it and will lose my default and then they will be chasing a proved debt which will be a CCJ.

 

Any other thoughts anyone please.....

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Rules governing service of civil proceedings permit service upon an individual by post at the last known address.

 

However, the rule has application only where the person to be served is resident in England and Wales at the time of service. Where the person to be served is outside England and Wales, a different code applies. In some cases the court's permission is required before service can be carried out. In other cases it is not. It all depends where you are living. Don't tell me here.

 

So a Claim Form has arrived through the post from Barclays. How do you know? Did the new tenant open the letter and then ring to tell you?

 

Either way, I recommend you ask the tenant to return the papers to the court saying that you no longer reside at the property and that you have moved abroad (without saying where, obviously). In turn the court will notify the bank that the papers have been returned un-served.

 

On being advised the papers have been returned the bank will be placed in the position of having to make reasonable enquiries as to the Defendant's proper address. The bank would be well advised to consider the consequences of proceeding to judgment in circumstances where it had reason to believe the papers had been delivered to an address in England at a time when the Defendant was overseas.

 

See: Fairmays v Palmer [2006] EWHC 96 (Ch)

 

x20

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Thank you. I will do that.

 

One further question. I rung Barclays or a debt collection company answering as "hello" and then saying they are working on behalf of Barclays.

 

They now say they will accept the 4000 as full and final but will not send me a letter to say that till I make payment. I asked what happens if I then get a letter asking for more money and they said I wont and all calls are recorded.

 

I dont trust them. They said if I dont pay then they will proceeed with the case and enter judgement in default.

 

What would you do? Pay and take the risk or just ask the new tennant to return the papers to the court

 

Tahnks

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There is a template on here somewhere for the F&F offer - There are some rules to doing this that you should be aware of but I can't find the links...Some use I am...hehe

 

Definately don't pay them without something in writing though...They will probably just come after you again if you do...

 

M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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I'm having to downgrade my suggestions about the 'bad service' status of the claim to 'potentially bad'. Here's why:

 

CPR 6.15 says:

(1) Where

(a) a contract contains a term providing that, in the event of a claim being issued in relation to the contract, the claim form may be served by a method specified in the contract; and

(b) a claim form containing only a claim in respect of that contract is issued,

the claim form shall, subject to paragraph (2), be deemed to be served on the defendant if it is served by a method specified in the contract.

 

Paragraph 2 deals with the situation where the contract provides for service of the proceedings out of the jurisdiction.

 

Thus if the contract provided for a claim to be made in the circumstances set out at CPR 6.15(1), so long as service is in accordance with the contract terms, service will be good. The potential for it being bad is where the contract contains no such provisions.

 

I don't suppose you have a copy of the contract to hand? If you do, what does it say? If you do not, I wonder if any other forum member might be able to indicate whether it is likely your contract included such a term?

 

Don't go having the new tenant return the Claim Form to the court just yet.

 

I'll think about the payment in F&F before receipt of a written offer point and post later.

 

x20

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Thanks

 

I spoke to them again and they are adamant they will not send an offer first. They say all calls are recorded and that they have told me 4 times that I must pay before they send confirmation of the offer.

 

I asked them what the big deal was sending it first and they said NO!

 

They also told me that the offer was only open to 9pm tonight and then it expires. Ive missed the deadline now.

 

Do i just ring them tomorrow and try and pay? Im just really worried that if I pay then they will come after me for the rest?

 

Any advice please

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If they haven't supplied a CCA then maybe getting advice via CAG & a GB solicitor for the court would be cheaper. Have you mentioned the lack of CCA to Barclays? The payment before agreement is unreasonable because you don't know what you are paying for.

 

If the money claim was issued online then you could acknowledge service & enter your defence online

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HI I found the letter - Not sure if you need this one though..I have also seen people being advised to make the payment of a F&F through a third party, I'm not sure why though - That is to get someone else to make the payment for you and you pay them.

 

Here is the letter....

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

 

Yours faithfully

Mr A N Other

I'm sorry I can't be of more help...Good luck with it all...M

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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