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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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Help ... Been to Court ... Big Credit Card Problem


coolerking
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Been to court this to hear application for OC to strike out claim on grounds I had no defence.

 

Essentially, I got into financial trouble and could not afford to the plans we agreed.

 

Requested CCA over 12 months ago and they only supplied a (poor copy) under court directions a little while ago.

 

The judge explained that when the OC first raised the court action they did not have the CCA and therefore he could strike out the claim because they have complied with s78 CCA 1974 but if he did do they would get very upset and really go after me and as this involves fastrack this would cost me a lot of money and i would lose. Plus they could go for CCJ/Bankruptcy if they wished to and probalbly would.

 

His way out was to stay the hearing to allow us time to negotiate but he explained that it would need to be a sizeable offer/repayment plan in order to appease them as they will be very ****ed off.

 

While he said the OC sols had made mistake and I knew my stuff, he pointed out morals of the position and I explained I was not trying to avoid the debt but was desperate and need more time.

 

I believe they will want more than I can afford to pay and as the inference is a very high profile case in the papers I would appreciate any help /views you can give.

 

My only defence now is poor quality and creditibilty of the copy CCA which they previously admitted they did not have.

 

To everyone else be very careful out there.

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well had my defence based upon;

 

CPR 16, 7.3 - original agreement not available

 

Civil Evidence Act 1995 - as copy only produced at late stage, following court directions goes to creditiblity of copy agreement. Looking for proof of documentation procedures.

 

Lack of Prescribed Terms due to poor quality copy.

 

S85 CCA 1974 - no copy agreement was sent with replacement card.

 

Default - approx £1k in charges but overlooked the default angle, although I had asked for charges but they did not consider material in relation to total claim.

 

However, as the judge immediately took control and rebuked the sols for their mistake and me for trying to avoid the debt I did not get a chance to talk about my defence and I think it would have antagonised things.

 

As I said he could struck out OC Claim under s78 as they were in default when they raised the court claim and could not legally pursue the debt until cca produced many month later.

 

However, if I did this it would really upset OC and they would really come after me and potentially cost me £20K (inc costs) in fastrack which he was pretty sure they would get.

 

The picture he painted was pretty scary and I if had the cash I would settle tomorrow and given I have changed jobs this is a big threat to my future/home/family.

 

He did acknowledge I knew more than the sols tho.

 

Any ideas as they could just refuse my offers of payment.

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Hi Coolerking,

 

I am sure the judge was just using the moral high ground to get you to give in without a fight.

 

The judge should have ruled on facts, not whether it is right or wrong to not repay an alleged debt.

 

Most people who come to this site do so because a DCA/creditor has finally pushed them to the brink and people turn to searching the internet to seek any kind of help or advice that is available.

 

That is what happend to me and countless others you will see around the forums.

 

Unfortunately I don't have the legal knowledge to help you, but there are many people on CAG who do.

 

Try to read as much as possible on court claims and defences, there is alot of info available which you may find useful.

 

Always ask for advice before proceeding with anything though, another persons input/opinion is always useful.

 

Regards

 

Santos

Springfield

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The judge conceded that I was within the law and using it to my advantage and knew more than counsel and claimants sols.

 

However, if he struck it out as they were in default, a technicality they would simply start proceedings again, which would mean a trial and fastrack and they would not stop until the got a summary judgement and made an example of me.

 

Is the CCA enforceable, well it is a copy and a poor one at that and it turned up very late in proceedings and only when I issued an unless order under CPR so i am naturally very dubious about it. The front clearly states application but it also has CCA 1974 so the front seems to comply. The T&C on the back are barely legible and you cannot see all the prescribed term IMHO.

 

The other considers are that under CPR 16 7.3 you ar supposed to produce the original at the hearing.

 

The claimant (originally said the didnt have it) and say according to DPA guidelines are only obliged to retain for reasonable length of time. I have spoke to OFT, FOB, FSA, IFCOM and there is nothing hard and fast but most financial institutions would do 6 years plus current which IMHO should be from date of close and not date of opening the account.

 

Under s85 CCA 1974 they are supposed to send copy of original with replacement cards but they did not do this so technically they defaulted here as well.

 

As regards Default Notice, again technically this in invalid as it includes c 10% in charges/interest but they would only be requested to re-issue a correct one.

 

So as you can see most of this technicalities will only defer/delay things and will only serve to **** the off the claimant, especially if you make them look stupid like I did recently.

 

The judge ordered a stay & recommended I start negotiations now and show some real committment to paying this back but even if I pay the max I can, assuming I stay in employment it will still take 3 years to pay off and I do not know if that will be enough.

 

I assume though if the Claimant rejects my offer, we will go to another hearing before going to trial to consider my offer.

 

What I am really worried about is CCJ/losing my house and the judge seemed to think that was a real threat here and someone at the sols will take a lot of flack for this.

 

Views?

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I have only recently returned to this site due to a court action, so I'm not fully conversant with the latest arguments, but...

 

My understanding is that if the default notice is invalid in any way, then your liability is reduced to the arrears. Because the agreement has been terminated (unlawfully), then they can only reinstate it if you agree, which of course you won't. This means they cannot reissue the default notice as the prescribed wording assumes the agreement has not been terminated. If I understand correctly, as they unlawfully terminated the agreement, they cannot persue you for the balance.

 

The default notice will almost certainly be invalid as it is usually posted and the 14 days they give you is 14 days from when they produce the letter, not from date of service (usually 2 days later).

 

Make sure you verify my understanding... :-)

If my comments have been useful please click the scales and let me know.

 

Me vs Rockwell/Tessara/RBofS: pending.

Me vs MBNA/1st Crud: Discontinued.

First Direct Overdraft: CCJ won.

IR: 2 CCJs 1 won.

Birmingham Midshires: pending

BT: pending

others to come....

 

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I will have to wait and hear clafify the situation on that one.

 

It would need to be rock solid for me to go to possible trial or take them on again, im just worried that the judge may order to re-issue this taking out of default but i may be misunderstanding they way it works

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This sounds very much like the judge is on your side. I would think very seriously about what he has said and, in particular, read between the lines. As he is a judge he cannot say very much.

 

In effect he has said that you might win the battle but the way you are planning to go won't win you the war. Perhaps you need to involve x20 and/or pt for further advice.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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ok, update as follows;

 

received nice letter from OC sols offering me;

 

a) a nice and affordable repayment plan

 

b) immediate cash settlement on very favourable terms.

 

 

even if option a will take a very long time to pay back at this rate, at least if it is realistic and while cash settlement is preferred route out of my reach at the moment.

 

Do you think that if I was able to secure the cash at a later date they would settle on similar terms?

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sorry i havent been around for while been a bit busy.

 

Update on the credit card front;

 

went for pre trial hearing and the judge rebuked counsel for claimant as they served proceedings without providing a copy of the CCA and he if he wished he strike it out as they did not comply with my s78 request until i served cpr.

 

he also rebuked me for trying to avoid the debt until I explained that i was pretty desperate and it was my only course of action at the time.

 

the upshot is that he could have struck out the case in my favour but he felt lloyds would come back at me as they would be very angry and he stayed to give us time to do a deal.

 

as you know my defence was based upon poor documentation so i was interested to hear what lloyds would offer.

 

To summarise they are offering;

 

1) repayment schedule

2) cash settlement

 

i cannot afford the cash settlement which needs to be taken up within 28 days which is a shame as it is a good offer.

 

In respect of 1) above they have enclosed a consent order for my signature which suggests if two consecutive payments are missed then the claimant can enter judgement forthwith against me for o/s balance and costs.

 

Not withstanding the amount is incorrect due to charges (which they offerred to deduct in court) and interest (which they have not offerred to pay) I need to fully understand what this order means.

 

On the assumption I keep my job ... just started it .... while i do not intend to miss any payments it seems i only have to default on 2 and they could enter summary judgement against me.

 

Any advice before I agree to this consent order .... i have heard of a tomlin order before.

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The Proposed Consent Order from the Claimant

 

Content of Consent Order

 

1.as far as they relate to other parties all further proceedings be stayed upon the terms agreed by the parties hereto and set forth in the schedule save for the purpose of enforcing the said terms for which purpose the parties be at liberty to apply.

 

 

Schedule

 

1. the defendant agrees to repay the claimant the sum of £****** by monthly installments of £***** commencing within 1 month of the court approving this order and monthly thereafter,

 

2. that upon the Defendants default of two consecutive payments of the repayment schedule the claimant be at liberty to enter judgement forthwith against the defendant for the balance outstanding at that time plus costs.

 

3. that the above terms shall be in full and final settlement of all claims that either party shall have or may have against the other arising out of the matters in this action and this action only

 

 

Notes:

 

The amount needs to reduced to reflect both charges and interest.

 

The court stayed one month to allow us to reach settlement.

 

The have offered a cash settlement but a cannot afford this and I only 28 days to find this.

 

They are saying that if both parties can agree a settlement then no further proceedings will be taken and the matter can be concluded by including the terms of settlement into a consent order. this will have the effect of pernmanently staying the court proceedings whilst the terms of the settlement are maintained and avoid a potential CCJ being registered.

 

 

 

Questions

 

Given I have just started a new job, the uncertain economic climate, and I only have to miss two payments for things to be escalated I am a bit worried about agreeing to this and it will take me a LONG time to repay it.

 

They seem very willing considering all the legal costs they have incurred and I wonder if i have missed something.

 

The judge was pretty adamant they would win if it went to trial and he was pretty genned up.

 

I should have asked his views on the copy CCA at the hearing but did not get a chance.

 

They are even happy to consider lower repayments if i cannot afford their proposals.

 

I will try and post up the copy agreement I have.

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im really sorry have no knowledge on the consent order so wouldnt want to say anything to distort what you have to do legally

 

wish you well, all the best maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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As regards Default Notice, again technically this in invalid as it includes c 10% in charges/interest but they would only be requested to re-issue a correct one.

Views?

 

Not really – they’ve terminated the agreement by demanding full payment of the balance. They can’t reissue you with a default notice because there is no agreement to default. This is not a technicallity.

 

Hope someone comes along with a bit more advice, I know what I would do but I don’t want to give you bad advice.

 

Good luck.

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BTW the t&c’s they have given you a copy of are not on the back of your application because they clearly say ‘Bank Copy’ in the top left hand corner. So the 2 documents aren’t linked.

They would really need to produce the original as the copy they have provided isn’t acceptable. That along with an invalid default notice gives you a very good chance of getting the claim struck out.

Why don’t you pm x20 or Andyorch or PT for a final opinion before you concede.

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It’s up to you really - but from what I’ve read then an invalid default notice really means its game over for them – they could claim the amount in arrears as indicated in the default notice but they would need to start a new claim. At that point the enforceability of the agreement comes into question and you can argue that the 2 documents aren’t linked and the original needs to be produced.

Can you get a little more time from them before you need to sign?

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