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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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Newbie in trouble needs advice.


barrelly
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Hi all, hope some 1 can help.

Have 4 debtors running after me.

1 Viking, not heard from in weeks.

1 Wescot, Final notice pay full amount by 14th Feb or MAY lodge Summons

1 Moorcroft Pre Court division, 1st letter today stating pay all, prior to court action being warranted.

Iqor now been past to Incasso. First letter this morning Final Demand.

All 4 were with Blaire Oliver and Scott and at this time I did offer then 50% of the total debts, which where all refused. ( money that was WILLED to me, now spent)

After reading on here was going to send all 4 debtors CCA's is this the right thing to do or what.

 

Any help would be gratefully appreciated.

 

Cheers

Edited by barrelly
mistake made
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Hi there,

 

Welcome to CAG.

 

Sending off for CCA's is the right thing to do.

 

Get it done now.

 

Here's the letter, amend to suit, do NOT sign, enclose £1 postal order and send Recorded Delivery.

 

 

Your Road,

Your Town,

Your County,

Your Postcode

Date, 2009

The Loan Company

Their Road,

Their Town ,

Their County,

Their Postcode.

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

 

Re: Account no: ***************

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

If you do not understand this letter, you should seek professional advice.

 

 

Yours faithfully,

 

Your Name

 

 

 

When or if you get a reply, start a new thread for each DCA so you get the correct advice for each CCA or whatever they send/don't send .

 

Good Luck

 

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Send CCA's to them all if it is a credit debt, i.e. credit card or loan. Anything else send the prove it letter. Do not speak to them on the phone just refuse to answer any security questions and tell them writing only.

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Hi, it depends on what the debts are for, whether a cca request is any good.

 

you will notice that the letters are, and you have typed it yourself, that they are all we may take tyou to court and we could do this or that,

 

they sound like standard threat-o-grams at the moment

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Supasnooper,

thanks for that will, get this letter sent to all 4 debtors ASAP.

 

Sleepingdog,

if the debtors send the postal orders back to me, how do I cash them, or do I lose the £4.

 

Twofoot,

I already don't answer the phone, have caller display, if I don't know the number, I never answer the phone anyway. Thanks

 

PGH7447,

The debts are 2 credit cards, 1 loan and the other a store card. Is the letter above correct to send to all 4 debtors.

 

Thanks folks for your replies so far. I have been living on edge for months now, wondering where the next letter is coming from

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CCA letter to all 4 creditors ( You are the debtor by the way - subtle difference; but I like your thinking :D ).

 

 

You're now in control.

 

When or if you get a reply, start a new thread for each DCA so you get the correct advice for each CCA or whatever they send/don't send .

 

Good Luck

 

There is a telephone harrassment letter on the forum somewhere if it does get too much, I'll try to find it later.

 

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Telephone harrassment letter for info if required -

 

 

 

Your Street

Town

City

Postcode

DATE HERE

Company Name

Road

Town

City / County

Postcode

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXXXXX

Dear Sir/Madam,

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

Yours faithfully,

 

[NAME HERE]

 

 

 

Or if you are feeling brave, tell them to Foxtrot Oscar when they call.

 

Keep us updated.

 

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Thanx again for the info Sleepingdog, I sent 3 cca's 2day. Will let you know how I get on when they reply. Have not heard from Viking for some weeks, so thought I would leave that 1 at the moment. Watch this will get letter from them 2morrow.

 

Cheers

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Hi guys, thought a would let you know that I have had word from 1 of my other DCA's.

This 1 I find strange, but hopefully you can shed some light on this.

I sent INCASSO LLP

29, Park Place,

Leeds

LS1 2SP a CCA, on the 10/02/2009, which was received and signed for on the 11/02/2009, which is fine.

 

Yesterday I received in the post a letter from IQOR

33/34 Winckley Square,

Preston

PR1 3EL

stating that, on checking there records, the account has been closed and returned to there CLIENTS and the £1 postal order was also enclosed.

What I do find stange is though, I sent the CCA TO INCASSO LLP, which is in LEEDS and not IQOR, which is in PRESTON, so how did IQOR manage to get there hands on my postal order and CCA letter to INCASSO LLP. I will be keeping a hold of ALL receipts though, for my record.

 

HOWEVER

This morning I received in the post a letter from WESTCOT, with the what seems to be the usual, pay all by 5th MARCH OR ELSE.

This is now the 2nd debt been sent to WESCOT.

So the question is what do I do now, what letter should I send, and do I start again with them send them a CCA letter.

 

I feel such an idoit, all help would be gratefull once again.

 

Cheers

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Hi Lunar Jim,

as I have said above, I did send INCASSO LLD a CCA, I have triple checked :D that it was INCASSO that I sent the CCA to, yet it was IQOR that sent the CCA letter and postal order back to me.

ARE THEY 2 ONE OF THE SAME? :confused:

The debt is for the same thing yes, and now it is with WESCOT.

you said that I have to send them a bemused letter, could you post me the link please.

 

I am really bemused in how IQOR got ahold of a letter that I sent INCASSO

 

THANKS AGAIN

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Link to your other thread as requested Moorcrofts answer 2 CCA

 

I would CCA wescot.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Lunar Jim,

as I have said above, I did send INCASSO LLD a CCA, I have triple checked :D that it was INCASSO that I sent the CCA to, yet it was IQOR that sent the CCA letter and postal order back to me.

ARE THEY 2 ONE OF THE SAME? :confused:

The debt is for the same thing yes, and now it is with WESCOT.

you said that I have to send them a bemused letter, could you post me the link please.

 

I am really bemused in how IQOR got ahold of a letter that I sent INCASSO

 

THANKS AGAIN

 

Ah no worries, I hadn't read the whole thread, it's quite long ;)

 

I haven't got the 'bemused' letter handy, I'll have a bit of a look through some of the other threads here and post it up.

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Here you go, edit as required:

 

ACCOUNT IN DISPUTE

 

Dear Sir or Madam,

 

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be

resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

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  • 3 weeks later...

Got this yesterday in the post. http://i441.photobucket.com/albums/qq133/buddyh42/CCAfromBQ.jpg

Could someone have a look at it and give me some advise on what I have to do next.

It is def my signature.

Will I have to come to an agreement with them now to pay? :evil:

 

 

Thanx again

 

posting again with photobucket. Well trying to.

Edited by barrelly
its no work
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