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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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DCA heavy-handed over increase of repayments - advice needed, pl.


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Ok, I'm back with an update. On 24 March, my wife and I sent - recorded - 6 DCA letters to Blair, Oliver & Scott and 1 to Hillesden Securities. We are now at day 14 since I sent them and BO&S have not supplied any details; they have only sent a letter asking for one of the accounts to now be reviewed!! Advice, please, guys.

 

The Hillesden reply is interesting. It seems that this account (old RBS debt) has been passed about a bit and they state that their client - CitiFinancial Europe, PLC - is 'unable to provide a copy of the documents requested under the CCA 1974.'

 

They go, further, to state that 'all enforcement proceedings ion the account have been stopped.' and as such are unable to force the agreement. They are still advising me to make repayments. I understand I still have a debt to pay, but please provide advice. Should I halt payments or carry on? And what bother will I get into if I halt them?

 

But it's the BO&S ones that have amazed me: nothing, other than one request to review one account. Co-incidenatlly, the phone started rining the very night after their letter landed on the mat! :mad:

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If citi say they cannot enforce the agreement then in effect you are no longer required to pay them any money as they cannot prove that you owe it. Do not pay them anything they cannot take any legal action against you just write and ask for payment but without proof they cannot get you to pay. Keep their letter in a safe place. If you wanted to get it off your back you are in a better position than them and could offer a full and final settlement at a fraction of the amount owed.

 

As for the other ones if its been 12 working days since they signed and received your request you could follow up with the "dispute letter" (template on here somewhere) telling them basically that until they provide evidence of your liability they are getting no further money from you and they cannot take enforcement action or demand payments from you until they provide this.

 

Hope this helps, somebody else prob be along later and may be able to offer some more advice. ;)

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as maam has said the citi one - you can lawfully withold payments until they provide a valid cc ;) it depends on what you want to achieve , if at this stage your not bothered about your credit file etc or you can offer then a massivley reduced full and final settlement as long as they rmark you cf as settled in full or remove any details, this can be done now or later.

 

If you receive anything from BOS other than cca ie asking for payment you can send:

 

Account In Dispute

Ref:

Dear Sir/Madam

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request)

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

Furthermore

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

This limit has expired

As you are no doubt aware section 77(6) states:

If the creditor fails to comply with Subsection (1)

(a) He is not entitled , while the default continues, to enforce the agreement.

Therefore this account has become unenforceable at law.

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

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

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

Should you not respond within 14 days I expect that this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

Yours faithfully,

 

 

If it's after 12 working days you can also lawfully withold payment from them as well.

 

Ida x

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I'd like to offer them pennies, after what they and their 'clients' put my wife and I through! They have ruined our CFs, anyway, by having them passed to DCAs and because we've been paying reduced amounts.

 

I'm inclined to withhold payments to them as of today's date, since we are now on day 15, and all I've had from BO&S is a request for one of the accounts repayments to be reviewed.

 

What, I mean, can I reasonably offer them to pay these accounts off and have my CF updated?

 

I'll bang your scales, metaphorically, Ida!!!:wink:

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Yes,

 

you can send the following:

 

Account Number: xxxxxxxx

Dear Eejits

Thank you for your letter dated xx/xx/xx, in which you confirm that there is no executed credit agreement relating to the above referenced account and confirming that all collection activity will cease.

While admitting no liability for the account and the sum claimed as owing, I am willing to offer the sum of £xx as an ex-gratia payment in full and final settlement of the account.

This offer is made on the clear understanding that neither you nor any associate company will take any further action to attempt to enforce or pursue this debt in any way whatsoever and that any and all liability on our behalf will be fully discharged on receipt of the above stated monies.

This offer is made on the condition that of all adverse entries regarding this account are removed from our credit files with the credit reference agencies.

Payment can be made within 2 weeks of receiving your written confirmation of your agreement of this offer and the subsequent terms of the offer. Please also identify your prefered method of payment and the details of making said payment.

Please note this offer will expire on (date - give them a couple of weeks) if no letter of unconditional acceptance is forthcoming and may not be repeated. This offer is not open to negotiation.

We look forward to receiving your reply.

 

 

as nicked from Rory

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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I'd like to make them sweat, first, before I offer them anything !!!

 

I'll send them the letter re their 'default' on failure to supply the true copy and take it, slowly, from there.

 

I must re-iterate that I acknowledge my debts but, after the threats, the demands, the phone ringing every evening and all week-end, I am glad to put one or two across their bows. I've alreday got my bank charges and CC charges back and.hopefully, within the year, wrap all this s*** up, too!

 

Here's a thing: BO&S, if they don't reply and have cashed my £1 PO.... isn't that theft??:-?

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Update.

 

Four days after the time limit expired, I have today received - from the original creditor, Halifax - an unsigned copy of the agreement for three of our total seven accounts. I stress unsigned copy; aren't they supposed to supply the signed originals, or photocopies of them??

 

Also, the bank is now asking for full payment of all arrears!

 

What's going on, here?

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There is no statutory requirement for them to supply the original agreement, only a true copy in which they are allowed to omit certain details. Any request under the CCA 77-79 is for a true copy.. hence the difficulty. They can only enforce a debt with the original in Court (generally) so i would take a look at this method, if you haven't already, and consider going down that route:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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There is no statutory requirement for them to supply the original agreement, only a true copy in which they are allowed to omit certain details. Any request under the CCA 77-79 is for a true copy.. hence the difficulty. They can only enforce a debt with the original in Court (generally) so i would take a look at this method, if you haven't already, and consider going down that route:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

 

So, you're saying they can omit our signatures, and that document they supplied can still be valid? Sure, it's not a 'true copy' if there are no signators on it?

 

I have seen that thread; will go back to it.

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So, you're saying they can omit our signatures, and that document they supplied can still be valid? Sure, it's not a 'true copy' if there are no signators on it?

 

I have seen that thread; will go back to it.

 

Your attachment is a bit tiny to read.

 

Yes, the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557) at Regulation 3 allows the Signature box and signature to be omitted in a copy document (thereby complying with a section 78 request).

 

They don't have to give you the original (which they would need to rely on in Court) if they don't want to (or don't have it but are not admitting to that.)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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what date is this agreement from?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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I'd be inclined to reply something along the lines of:

 

thank you for your letter.. you may or may not have complied with section 78 of the CCA1974...I respectfully request that you provide a copy of the original agreement signed by myself that you hold on file and while I accept that you can omit the signature box for the purposes of compliance with my request, you will be aware that any challenge to the agreement in court would require the signed copy of the original agreement containing the Prescribed Terms.

If you still reject this, please provide clarification on the status of the Original Credit Agreement and confirm either that you hold the original signed agreement on file or a copy of it on microfiche or that you no longer hold the file...

 

Give them 14 days. Either that, or go straight into the CPR method to try and see what they actually have.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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what you need to do is listen for the MAY or POSSIBLY in what they are saying and then challenge them and ask if they are threatening you, they will back down.

Ask them if they ARE goimg to take you to court as they will say possibly as it is illegal for them to threten you on the phone!!

 

You pay what you can and there is absolutely nothing they can do about it!!!

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The debts are quite old, over five years.

 

On my second attempt at getting the agreement, the have today, on one account sent a copy of the application form dated 16 February, 2000, and it looks original, and thsi time with my signature.

 

They now want the full balance by 5 May.

 

Advice, please.

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I take it it's an application form with no prescribed terms therefore unenforceable?

 

I would try the method of getting the original re my post 67.. or the CPR. Doesn't look like you are going to get anything else out of them any other way.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Is that an account number scribbled at the bottom of App1 as well as a name at the top.

 

In any case, don't see any prescribed terms there for the that year 2000 application for credit therefore unenforceable.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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