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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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Please some one help me


s busby
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Hi Please can some one help me

:(

Let me give you a little back ground into what went on.

I was sent a estimated tax bill because I had not sent in a tax return, as far as I knew when I stooped trading, I would stop sending Returns in to HMRC.

So I sent two tax returns in, I was then told by HMRC that the returns were still outstanding, and that I would be made Bankrupt if I did not send in my tax returns.

I filled them in again and took them to Walsall Tax Office and handed them over, I asked for a receipt and was promptly told that HMRC DO NOT GIVE RECEIPTS for tax returns.

Later that year I was made redundant from my job. I went to CAB for advice on debt,s that I had, I explained every thing to them and was advised to let HMRC make me bankrupt and to include my other debts, this way it would not cost me any money.

So I let every thing take it's course.

After one year I was discharged. Approx 4/5 weeks after discharge I found out that I had been left £32 k by my farther who had passed away 8 weeks before my bankruptcy.

I phoned the OR and informed them straight away.

Nearly one year on I was contacted by the trustee,s and told to re submit my tax returns,

I have now found out that not only did HMRC canceled my debt but gave £10 k tax refund. Now what I need to know is if there is any way I can get this whole mess sorted out and reversed, in light of HMRC,s reversal.

I have been up front and straight with OR from the start. Can you please help me if poss.

What I really need to know is what to say to the OR. Also if any one else has been in the same boat as me and what the out come was.

If there is the slightest glimmer of hope I would be extremely grate full for any guidance you could give me.

The total amount of my debt is only £18420.00.

 

 

Kind Regards

Stuart J Busby

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Hi, and welcome to CAG.

 

When you say the total debts were 18k I presume that is after the alleged tax debt has been removed.

 

You told the OR about your inheritance - what was their reaction?

 

So you have 32k from your Dad and 10k tax rebate, with 18k of debt which has just been written off due to your bankruptcy.

 

How much of the debt is unlawful charges etc? I am not sure how the OR will deal with this but it seems to me that you should be able to negotiate full and final settlements.

 

Or are you hoping to get the bankruptcy removed from your record? I am not sure about this but hope you will get some more help. It is a very unusual situation. I wonder if you have any comeback against the Inland rev for forcing you into bankruptcy in the first place.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Gold lady

The OR appoineted trustees.

The trustees are now telling me that there will not be enough mony in the pot to cover my debt because of all the charges that have been added.

 

Stu

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And really you should never have gone bankrupt in the first place:mad:

 

What are all these charges that have been added on? And who are these trustees?

 

I would think that if you can prove that you were not actually insolvent at the time that you should be able to get the bankruptcy annulled. New territory here for me but the way I see things anything is possible.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I have no idea what the charges are as yet.

The trustees are about to pay out next week.

I will find ouut what the charges are when and if the trustees send me a set of accounts.

You are thinking along the same line as me.

If the people who made me bankrupt pull out then the bankruptcy should be void.

It is a shame but I can not get any leigal aide, if I was a killer or a crook mony would be no object, but because I have been honest it looks like I am going to get a good old kicking.

 

Stu

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I know someone on the site who might be able to help.

 

I will send him a link to your thread and see what he thinks.

 

Who did you owe other than the taxman? And were you up to date with them just before you went BR?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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So am I correct in presuming that making you bankrupt was incorrect ? Have you tired calling the Insolvcency Helpline (free and impartial) - IVA | Individual Voluntary Arrangements | IVAs | UK Debt and IVA Advice Help You really need proper legal advice on this....although i'm not familiar with getting a BR annulled AFTER you have been discharged. This obviously has serious implications, as this has probably caused you a great deal of distress, and making you bankrupt was it seems wrong !!

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Thank you for your reply.

In my position (No Funds) you do not get any free help.

The only help I get is from people like you.

To get leigal help it would cost me Min £225.00 per hour.

Just to have a look at the paper work would cost me Min £1500.00.

As you can see loads of money.

I am reaching the point of no return and am at my wits end.

When you get your ass kicked like this it just knocks the wind out of you.

Sorry pooring my hart out now.

 

 

Regards

Stuart

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Yes

2004/2005 tax returns.

The two tax returns in question were then Re sent in June 2006.

In Feb 2009 the trustees then told me that the HMRC had cancled my debt and had sent to them a £10 k Tax refund.

 

Regards

Stuart

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Hi Gizmo

Not thought about that one, I will get onto that in the morning.

Do you know of any web sites that may have a test case no it ?

so I could have a look and see how outher people have got on in the same situation as me.

Stuart

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Gizmo

Not thought about that one, I will get onto that in the morning.

Do you know of any web sites that may have a test case no it ?

so I could have a look and see how outher people have got on in the same situation as me.

Stuart

 

DOn't know of any specific to your q but this is a good resource swarb.co.uk :: Index

Consumer Health Forums - where you can discuss any health or relationship matters.

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Busby,

 

Please dont give up, i know what it is like dealing with officials when BK is envolved, somehow my wifes ex BK IP meraculasly manged to make his charges for every penny of the equity in her house.....

 

Try lookoing at the www.moneysavingexpert.com forum and ask there.

 

hope all works out for you.

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Hi s busby,

 

You have a right to ask for a breakdown of the trustee's fees and costs, you could also ask them for a written record of disbursements. They are not above the law and you are entitled to know why the trustee has claimed that there is not enough money to cover the debt.

 

How much fees is the trustee claiming? and what are the charges for?

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Thank you all for your very kind words.

You will never know how close I came to finishing it all.

The only trouble is that all my insurance would have gone to the trustees and not my wife.

It is very hart warming to know that there are people out there with beeting hearts.

 

Thank you

 

Stuart

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Have you managed to get anywhere with this?

 

I know of an accountant in London who specialises in dealing with Inland Revenue misdemeanors. And as regards being penniless, once all this is resolved by someone who does know how to sort it out you should have money to pay them and plenty left, surely?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Stuart, I have sent you a couple of private messages but haven't had a reply. I want to help you if I can, and I do hope that you are OK.

 

I happened to be in the newly-created bankruptcy office of our local court yesterday (so many going on they now have a special office) and spoke to them about your situation. Seems that annulment is possible, even at this stage. So please don't give up.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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