Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CCA Advice? Debt Write-off?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5507 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone. I've just joined this forum and have been reading through all the posts on CCAs.

 

I've recently fallen into financial hardship due to redundancy and have taken a lesser job to make ends meet. Unfortunately I have a large credit card debt (about £20k) and I am no longer able to pay the monthly payments, but have been making token payments instead. It doesn't look like my job/financial situation will be changing any time in the near future.

 

Based on the recommendations of this forum, I've just sent off two letters based on the recommended template requesting CCA info to my credit card companies, MBNA and Abbey (now owned by MBNA), and am waiting for their response.

 

I guess my question is somewhat naive, but I can't seem to find a very clear answer (at least for me) on the forums: If MBNA and Abbey's terms are unenforceable, is it likely that they will write-off my debt if I request them to do so? This is my main concern, as I don't see my financial situation improving any time soon.

 

Any advice would be greatly appreciated. I'm very happy to have found this forum!

 

-George

Link to post
Share on other sites

If the creditors cannot produce a valid CCA, and you stop paying them, the debt still exists but are unenforcable, they can still contact you asking for payment, but cannot make you pay, if at a later date they produce a copy of the CCA if it exists, then the debt becomes enforcable again, if after 6 years in England or 5 years in Scotland of non payment the debt becomes time barred. If they do produce evidence of valid CCA and after you have it checked here, one option is to letter them informing them of your circumstances and agree to much smaller payments and get the interest stopped. This link should take you to the letter templates page.

http://www.consumeractiongroup.co.uk/forum/generel-debt-issues/20758-creditors-dcas-letter-templates.html

Link to post
Share on other sites

Many thanks. I'm waiting to hear back now and will go from there. Has anyone had luck in getting debt written off from MBNA or Abbey? Do they usually respond with valid CCAs to requests? I opened my accounts with them back in 2004.

Link to post
Share on other sites

Hi MBNA wrote off my credit card £5400 but only after I started court proceeding against them to have the agreement declared unenforceable they settled out of court.

 

It depends on how much screaming you can stand from them.

 

dpick

Link to post
Share on other sites

I own my house and pay a mortgage -- I do not rent. Even though I am making token payments to MBNA and Abbey while waiting for the CCAs (£10 each per month), is it possible that they could take me to court and force me to sell my home? Could they do it even though I am faithfully paying them my token payments every month? Sorry for my ignorance here.

Link to post
Share on other sites

I own my house and pay a mortgage -- I do not rent. Even though I am making token payments to MBNA and Abbey while waiting for the CCAs (£10 each per month), is it possible that they could take me to court and force me to sell my home? Could they do it even though I am faithfully paying them my token payments every month? Sorry for my ignorance here.

Credit card debts are unsecured loans so they CAN NOT make you sell your house.

Link to post
Share on other sites

Phew, that's a major relief! I didn't think that a bank holding an unsecured loan could force the sale of property, but after reading through various threads around the CAG website I wasn't so sure. It seems like there are instances where a bank can get a court order to make you sell your property or at least guarantee them a piece of the action when/if the property is sold in order to recover an unsecured debt. I've seen it described as a "charge against the home". Maybe I just got confused and muddled up the info I read.

 

I just got confirmation that my CCA letters were received by MBNA and Abbey today, so now I'm just waiting to hear back from them.

 

I want to reiterate what a relief it has been to find the CAG board and all the great info posted here.

 

-George

Edited by hobbes67
Link to post
Share on other sites

unsecured creditors can apply for ( and increasingly will get) a charging order if you fail to keep up payments on a ccj they have obtained,

 

This simply means that they can take their money at the time your house is sold before you get your hands on the proceeds (and after any secured creditors by way of 1st 2nd mortgage etc)

 

This action is also notified to your mortgagors so they will become aware of the debt.

 

only in extreme cases where you continue not to make some payment to the creditor could they apply for force the sale of the property

 

Although at this present moment in time interest rates are very low, under normal circumstances, once a ccj is in place and if the payments are low enough it can pay you after a year or so to make an offer in full and final settlement - the longer the period of payback under the ccj the more likely they are to accept a reduced settlement as it costs them each time you make a payment

Link to post
Share on other sites

  • 2 weeks later...

Well, the MBNA and Abbey CCAs have not yet turned up, but there are still two days to go to make the 14-day mark.

 

However, after also sending them an offer of a reduced monthly payment, MBNA has written back to me stating:

 

1) They appreciate my situation and are willing to discuss a level of repayment that would be acceptable to them -- and that their reduced payment programme would be recorded on my credit file for the life of the account and 6 years afterwards.

 

2) I should phone their debt management team with details of income, expenditures and the names of all my other creditors including balances owed to them.

 

3) They also offer to discuss a reduced settlement to the account, and say they may be able to write off a significant portion of my balance.

 

Abbey has not written back to me. I am currently only in arrears with MBNA and Abbey.

 

Any advice on what I should do at this moment, while waiting for the CCAs? I know I shouldn't call MBNA, but should I send them my budget spreadsheet? I don't think I should include the names and balances of my other creditors -- that seems like too much info. I also have the feeling that they will not want to accept my £10 reduced-payment offer. I wish I could negotiate to pay off the balance if they will reduce it substantially, but I just don't have any money to do this right now!

 

Any advice would be great.

Link to post
Share on other sites

maybe you should put the same question to the general Debt Issues team. The advice there is good. Not that I'm saying yours on here isnt.

 

The general gist on that board appears to be if the CCA isnt responded to then you can issue them with a default notice as the contract is unenforceable until they send what you have asked for. They cannot chase payment during this time, or harass you. The general feeling there too is do not attempt at this stage to negotiate reduced payments. Doing so would imply that you acknowledge the debt is legally yours.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

if you have to offer a repayment there is an argument for making a really low offfer and lettting them get a ccj (or they may not bother and write it off)

 

the reason i say this is because a ccj payment is likely to be VERY low and at least you are clear in 6 years (wheras their way you will be credit hampered for the duration of paying back AND another 6 yrs)

 

the difference between a ccj and their black mark for defaulting and entering into an arrangment is non existent since both ways will effectively balcklist you

 

then again there is an argument for that not being a bad thing until you get your finances onto a good track anyway

 

just athought

Link to post
Share on other sites

Thanks for the advice, as always. As you suggest, I'll post this over on the General Debt Issues board and see what they have to say. Still have not received the CCAs from MBNA and Abbey and it's been 21 days since they received my requests.

Link to post
Share on other sites

my advice, if they actually produce the agreement and it is valid would be to write to them and tell them that you ahve been seeking debt counselling advice and you didn't like the fact the the companies doing this seem to want to add to your debt so you decided to do the work yourself the first part of which they told you was to ascertain if the debt was actually due, and then make an offer of reduced payments etc- that way you can avoid starting out on negotiations on the wrong foot with them

Link to post
Share on other sites

with regard to owning your own house- and if you have major debts- perhaps you have a family member who has helped you out with large debts in the past and you have not kept up the repayments to them- if so perhaps they might take a 2nd charge on your property to secure their debt- this in turn would have the fortunate, if purely conicidental effect of creating a buffer between your main mortgage provider and anyone else who might decide to place a charge since they would then become third charge

 

please note that in the case of charges against property the money is not shared equally in the event of foreclosure- the first second third charge etc get their full chare of the pickings until there is nothing left

 

In the event that a third charge tried to force sell your home then if for instance your mortgage company's charge was for 150,000 and your friends was for 40,000, then the third charge would only get a look in if there was anything left after these two had been paid (and who knows your friend may decide to re lend you the money afterwards to help you get back on your feet

 

i am not of course in any way suggesting that you have a friend who will just dream up a debt to claim against you!

 

however when in the Sh*t - make sure you play the same game as your c reditors

  • Haha 1
Link to post
Share on other sites

  • 3 weeks later...

At this point, I have CCA'd MBNA and have received no reply (it's been over a month). If they sell the debt to a DCA, what happens then? Would I need to CCA the DCA, and would they then shift it back to MBNA? Or would MBNA no longer be responsible for the CCA, full stop? Does having your debt sold to a DCA destory your CCA trump card?

Link to post
Share on other sites

At this point, I have CCA'd MBNA and have received no reply (it's been over a month). If they sell the debt to a DCA, what happens then? Would I need to CCA the DCA, and would they then shift it back to MBNA? Or would MBNA no longer be responsible for the CCA, full stop? Does having your debt sold to a DCA destory your CCA trump card?

If MBNA sell the debt to a DCA, then you would request a CCA from DCA who would ask MBNA for copy of the original CCA, It would not destroy your CCA trump card.

Link to post
Share on other sites

Hi, I Owe £15k On A Cc With Mbna & I Got Made Redundant Back In July 2008 & I Am Still Unemployed & Since Then Have Not Paid Anything To Mbna After I Phoned Them & Told Them Of My Situation, They Have Contacted Me Every Month For An Update & In January Gave Me A Settlement Figure Of £4,000 & Woulf Write Off The £11k Which Sounded Great But Getting That Kind Of Money Would Be Difficult. Last Month They Asked Me To Pay £240 Which Funnily Enough Is Bang On My 4 X £60 Jsa Payments, They Said Paying This Would Keep My Arrears Being Passed Onto Debt Collectors So I Paid Them This Amount, Today They Called Me Again & Asked For Another £240 So That It Keeps The Arrears From Going Into Debt Collectors Hands & This Time I Tild Them I Did Not Have The Money & That They Should Do What They Have To Do Because I Am Potless, They Said They Are Sorry & The Debt Collectors Would Be In Touch With Me.

I Am Awaiting The Cca Which I Requested From Them About 8 Days Ago & This Is Where I Stand At The Moment, Can Anyone Advise Me On What I Should & Can Do Next ?

As I Am Now Getting Headaches Through Worry & Have Just Been Diagnosed With High Blood Pressure Possibly Through Worrying About My Increasing Debts & Lack Of Work !!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...