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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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creation credit agreement


mayday mayday
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Hello CCM,

 

I watched that programme and was totally disgusted with this bunch of animals. How sad are they paying their silly scary games. Oh I'll be the bear. Do they have no shame. And if they are solicitors, do they not realise they have to comply with laws.

 

I would really like to wipe that smile off the big bear:mad: maybe change my name to a tiny killer virus, and go after them:mad: you don't have to be big, to get a devastating result:grin:.

 

Interestingly ALL "solicitors" are deemed to be "officers of the court" and as such have to be the epitome of perfection, and completely trustworthy in all respects, as i understand it LOL:rolleyes:

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 4 weeks later...

Hi all

 

Last October we found this site because we desperately needed help. Citibank had sold a credit card debt of nearly 8k to Hillesden who were going to get a charging order on our property. After help on this site we cca them, they then sent us a letter every month stating the account was on hold. Two weeks ago we received a letter stating they did not have the cca so was unenforcable and with a postal order for £1.00! However we now have a problem with creation finance I sent a request for a cca and we received a letter back saying due to a system anomaly this could not be retrieved, however greenhalghs have issued a ccj against me, I have defended this but have received an allocation questionnaire, how do I fill this in, please help?

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Is this claim to do with this thread? http://www.consumeractiongroup.co.uk/forum/legal-issues/169804-help-creation-financial-please.html

 

If so you really need to stick to one thread per account as it makes it very difficult to give advice without first having seen what has previously been done.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Can someone else sign the allocation questionnaire on your behalf?

 

Thanks

 

I don't know the definitive answer, but I cannot see a reason why someone couldn't sign it pp ((per procurationem), see Procuration - Wikipedia, the free encyclopedia

 

But you would be better 'phoning the Court Manager to see if it acceptable.

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Threads merged, mayday mayday, as Rory suggested, please stick to the one thread on this case.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Under CPR 31.14 the Claimant has to produce within 7 days any documents mentioned in the Particulars of claim but not served with the claim form itself. Failure to do so can lead to a succesful application to strike out or for summary judgment. In this case they probably will have a default notice but is it valid?? They have admitted they do not have an agreement so really its game shot & match...........

 

However if you don't file even a basic defence they will be able to reissue should the happen to "find" the agreement. If a basic defence has been filed then they will have to make application to the court to be allowed to reissue and it is unlikely to be granted

 

Can I just ask if the CCA was not attached to the POC but I do have a default notice sent from Creation is it worth would it be worth asking for a copy of the CCA.

 

Sorry to step into someone else's thread it is just a quick question.

 

Hammyhound

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  • 5 months later...

Hi, I really hope that someone out there can help us!

 

About 10 months ago I requested a cca from Creation Financial and received a letter back from them stating that due to a system anomaly it could not be retrieved and enclosing a blank agreement form with absolutely no details whatsoever. Shortly after this I received a letter from Greenhalghs solicitors stating that they were going to take court action which they proceeded to do so in December last year. My defence had to be in court by 21/1/09 which I did. A couple of weeks later I had a letter from the court stating that it had been struck out as they had not filed their papers in time. I have now had a letter from the court that they have asked for the case to be reinstated and a hearing will take place on the 29th June. They have said it was due to a computer glitch that the papers were filed at the wrong court. I sent them a letter in December requesting the cca again and other information in relation to this account and they replied approx two weeks later saying it would take a few weeks to get this info together, and I have had no correspondence from them since that time. What do I do now? I really do not want to go to court. Please can someone help?

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My defence had to be in court by 21/1/09 which I did.

 

I have now had a letter from the court that they have asked for the case to be reinstated and a hearing will take place on the 29th June.

 

Hi mayday,

 

First of all - don't panic

 

It would help if you could post what it says in the original particulars of claim from Creation, your defence and then this latest letter from the court (leaving out any identifying information).

 

That way we will be able to give you some advice. It's a bit difficult trying to give any advice if we don't know exactly what's happened already.

 

Regards

 

nicklea

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  • 2 years later...

Hi I hope someone may be able to help.

About two years ago Creation Financial tried to take me court over a storecard debt of approximately 4500.00 which I defended

due to the fact I had previously asked for a copy of the credit agreement and received a letter back stating they no longer had this documentation.

 

They did not file their information in time and the case was struck out.

 

About 6 months later they applied to re-instate the claim which I again replied to however they did not turn up at court and it was again struck out.

 

In the past few weeks I have had two letters from Drydens stating they are reinstating the claim

and the last one asking me to contact them within 7 days to reach an agreement and the amount is now over 5000.00.

 

Where do I go from here?

 

I thought that the matter would be closed,

 

is there a way to get this stopped permanently?

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i have merged the three threads over the history of this debt

for advise history.

 

i think they are just trying in on!!

 

time to ignore them?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would think a Judge would take a pretty dim view of their attitude. I dont think they will be able to reinstate the claim, they would have to issue a new one and I dont think they can if this is on the same facts as before. :)

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