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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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1st Credit/moon beever Claimform - AA HBOS***Settled Tomlin Order***


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Hi

I wonder if any one could help

 

I have a credit card with the 'AA',

 

my husband signed up for it at the Dover port,

 

he was going to france for a day trip, this was in May 2004,

 

can I send a CCA request and how has other people been succesful or not.

 

The credit card is owned by BANK OF SCOTLAND

 

GILL5BLUE

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  • 2 months later...

From what I can see it is an application form.

 

It seems to have some of the perscribed terms.

 

 

on the back, in a box it states

"These terms and conditions are taken from clause 1 of the BOS conditions of use.

Please refer to them for applicable definitions"

 

It also makes mention of a clause 8.2 which is not on the document?

 

By refering to this document, it should have been returned in your CAA request at least.

 

There is no where on the agreement for the creditor to sign, so how could it be executed?

 

Personally I don't think it is a proper agreement and is missing terms and conditions.

I would write asking for them to complete the CAA request

and send the terms and conditions the document refers to.

 

I can't see it enforceable at the moment,

but please confirm this with some more experienced members as I am quite new to this,

and don't want to give any misleading information or false hope.

 

NAB

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

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Hi

Can't see any of the prescribed terms on there.

The presence of the request for personal inftormation would also lead to the appearance of an application rather than an agreement.I think you have a good case for challenging this under section 127(3) and 4

 

 

Good luck

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 2 months later...

Hi

Thanks for the help so far.

The 'application form' I posted on photobucket is actually the one my husband bought home with him when he applied.

 

I did CCA 'AA' and they did not even send a copy of the 'application form'.

 

They responded with current terms and conditions nicely printed out-it looks nothing like the copy I have.

 

The help I need is understanding their wording of their letter:

 

They state they have included a copy of the 'executed agreement'

and a copy of the 'current terms and conditions' and they state they have complied under section 78

 

this is the bit that confuses me

they state they will not be entering into any further correspondence relating to the provision of copy agreements?

 

ARE they correct?

gill5blue

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  • 3 weeks later...

Hi

I have written to AA (Bank of Scotland) sending the no acknowledgement letter

and also included 'all communictions to be done in writing'- too many phone calls from them.

 

Thanks for the support,

 

 

I do waiver now and again in beleiving this can be unenforceable.

 

gill5blue

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  • 7 months later...

Hi

Updating threads today!

 

Since May 2009 AA have used Albion Collections to communicate that we should pay the debt.

I have sent the standard CCA letter in response.

 

I have now received a letter from RBS stating that

 

 

'I had previously requested under section 78 of the CCA 1974 a true copy of the executed credit agreement,

and they have provided me with a reconstitued version of the executed agreement

when the account was opened and also the current one.

In summary, they do not have to supply an actual copyof the ducument signed, only terms and conditions.'

'Although there is no requirement we have sent a copy of the original signed agreement.'

 

They sent me a copy of the application form.

Are they correct in their statements?

GILL5BLUE

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  • 4 months later...

Hi

I am now receiving more mail from Bank of Scotland,

following my letter to them recently(reminding them of no proper response to CCA).

 

In their letter they state they have served me with a Default Notice,

 

 

I keep all the correspondence from them and I dont have a copy(or remember receiving a copy ).

 

Is there a letter I should use to ask for a copy of the default?

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  • 1 year later...

Hi ALL,

 

The last I heard was from Horwich Farrelly,

who said they were waiting for instructions from the creditor,

this was in Dec '10.

 

I received a statement from AA in Dec '11.

 

It does not exist at Experian.

 

GILL5BLUE

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  • 2 years later...

Hi All,

long time no chat,

 

My husband has now received a county court claim form for the AA credit card.

 

The claim form is from 1st credit and Moon Beever.

 

I sent them the 'CCa request' in March 2009

 

I sent them the 'no acknowledgement letter' in April 2009

 

I have received many letters from different solicitors and debt collection agencies over the years,

but I have never acknowledged the debt(meaning my husband).

 

I have a couple questions if somebody could answer please

 

1) I dealt a lot with credit cards and no proper credit agreement in 2008/2009,

has there been any changes regarding the law since then.

 

 

2) would my defence to the court claim be 'no acknowledgement'?

 

Hope to hear from somebody soon

Cheers

Gill5blue

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Hi All,

long time no chat,

My husband has now received a county court claim form for the AA credit card.

The claim form is from 1st credit and Moon Beever.

I sent them the 'CCa request' in March 2009

I sent them the 'no acknowledgement letter' in April 2009

I have received many letters from different solicitors and debt collection agencies over the years, but I have never acknowledged the debt(meaning my husband).

 

 

I have a couple questions if somebody could answer please

1) I dealt a lot with credit cards and no proper credit agreement in 2008/2009, has there been any changes regarding the law since then.

2) would my defence to the court claim be 'no acknowledgement'?

 

 

Hope to hear from somebody soon

Cheers

Gill5blue

 

Have you or your husband checked the credit reference files?

If not do so to see what the default date is.

Did the CCA request produce the agreement?

You need to acknowledge the claim asap.

Please post up the Particulars of the Claim (POC) after removing all personal data.

 

 

When was the last payment or written acknowledgment made to the account.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brigadier,

Thankyou for responding, it is not on my credit file, I cant check my husbands at the moment. Would it be on mine if it was on my husbands?

The CCA request did not produce a valid agreement. you can see it on post No 4 above.

Cheers

Gill5blue

 

 

OK Gill acknowledge service you can do this at moneyclaim on line.

 

 

I would send 1st Credit a CCA request asap.

 

 

As this was signed up pre April 2007 1st Credit will need the original agreement, or a proper copy of it the app form will not I thing be acceptable.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brigadier,

Thankyou for your response.

Do you know if the default would be on my credit file if it was on my husbands credit file?

Cheers

Gill5blue

 

 

The only time when an entry would be made is on a joint account so it should Not be on your files.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

Hi,

 

I have sent a defence to the court, sent 31/08/14

 

I have now received a letter from 1st Credit, stating

 

We are obliged to file and serve our directions questionnaire which in enclosed by way of service upon you.

 

 

We also enclose our proposed draft directions.

 

 

You are obliged to confirm if you agree to the enclosed.

 

 

If you do not you should make your own proposals and we will consider before filing the draft directions at court.

 

 

My questions are:

 

am I obliged to do what they say?

 

what would my own proposals be?

 

I don't understand what I'm supposed to do

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Hi,

 

 

I have sent a defence to the court, sent 31/08/14

 

 

I have now received a letter from 1st Credit, stating

We are obliged to file and serve our directions questionnaire which in enclosed by way of service upon you. We also enclose our proposed draft directions. You are obliged to confirm if you agree to the enclosed. If you do not you should make your own proposals and we will consider before filing the draft directions at court.

 

 

My questions are:

am I obliged to do what they say?

what would my own proposals be?

I don't understand what I'm supposed to do

 

 

Yes you must comply.

What " directions has 1st Credit supplied?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 months later...

Hi,

We went to court today and the Judge stated that our defence was incomplete.

 

 

We had to pay court costs!!

 

We have 21 days to complete a proper defence. 26/02/15

 

Then 1st credit have 2 weeks to reply. 12/03/15

 

Then a new court date for a summary judgement (for 1 hour) will be booked.

 

Date last paid account 31/03/2009.

 

Would 1st April 2015 be statue barred date?

 

Could some help with defence?

 

Gill

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can you fill this out please

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

 

and post up the defence you file [minus any pers info ] please

 

 

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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gill, when the claim was issued then the SB clock was halted so sadly no, you will not be able to use SB

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In order for us to help you we require the following information:-

 

Claimant 1st credit

Date of issue –

 

What is the claim for –

The claimant claims the sum of £13k for debt and interest.

On the 01.04.2004 the defendant entered into an agreement with AA personal finance ltd for a credit card ref no 9999.

On the 01.11.2009 the defendant defaulted on the agreement with outstanding balance of £12k

the debt was assigned to 1st credit for the sum of £12k.

Notice of assignment was sent to defendant in accordance with S.136 law of property act 1925. and

claimant claims

1. the sum of 1£2k

2. Statutory interest pursuant to section 69 of the county court act 1984 at a rate of 8%

per annum from 01.07.2013 to 01.08.2014 £1000.00 and 2.49 daily rate until judgement or sooner payment.

 

What is the value of the claim? £13k

Is the claim for a current account (overdraftlink3.gif) or credit/loan account or mobile phone account? credit card

When did you enter into the original agreement before or after 2007? before

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? yes

Did you receive a Default Notice from the original creditor? yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no

Why did you cease payments? i believed they have an unenforcable credit agreement

What was the date of your last payment?31.03.2009

Was there a dispute with the original creditor that remains unresolved? no

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? no

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Hi,

To explain the dates further

03.09.2014 courts letter acknowledging defence recieved

24.09.2014 Received letter from court 'notice of proposed allocation to the fast track'

01.10.2014 received letter from 1st credit serving directions questionnaire and they are preparing for summary judgement.

09.10.2014 received application notice for summary judgement.

27.10.2014 letter from court transferring to a local court.

03.11.2014 notice from court-hearing to be 05.02.2015.

05.02.2015 judge said we have 3 weeks to put in a more comprehensive defence(I think that is what she meant)

 

 

Hope that clarifies the dates

Gill

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post up the defence you filed [minus any pers info ] please

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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