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

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5474 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

Please help me, just had HCEO at the door, about an unpaid debt.

 

He gave me some paperwork to say he's going to seize two cars on the driveway, but the cars don't belong to me, they belong to my sister, have done since September last year.

 

Told him this, all he said was 'She'll have to go to court to get them back'

 

Can he do this, she's going to kill me :(

 

I have no way of paying the debt off in full and he wouldn't accept installments, what can I do?

 

Please, please help me

Link to post
Share on other sites

Sorry, didn't know what to put, just panicked :(

 

Debt is from a self build account from a Builders merchant, CCJ I think was obtained April 2008 and was transferred up in August last year

 

First had Balliffs turn up last year, but panicked and said didn't live here

 

He went away, and I thought it was over, stupid I know

 

Debt is now for £1900 which I don't have, original credit limit was £750 so lots of charges :( but own fault I guess, just want to know what I need to do, have no way of raising that sort of money. Balliff said they have a charging order against my house, and will force sale and make me bankrupt, as well as take both cars. Offered installments, but was refused was told to pay by tomorrow :eek: or that's it

 

Was also told Balliff came to my house in March, early in the morning, but no one, and no cars were here, but that's nonsense I was here, no paperwork was left then either

 

Now have paperwork saying cars seized, but haven't signed anything

 

Have had head buried in sand, and have ignored all post, now it's just bit me somewhere rather painful :(

Link to post
Share on other sites

If he wants to 'seize' someone else's cars let him. However 'seizing' them and 'nabbing' them are two different things. Move the cars a few streets away or some place he can't see them. If he finds them nevertheless, your sister can apply to the court and get them back.

 

Was your initial credit secured on your house, and did you consent to having the matter bumped up to the High Court?

 

Just a stab in the dark here, but are the bailiffs Sherforce?

Edited by felicity2009
Link to post
Share on other sites

Hi Felicity,

 

Even though there on his form I can still do that?

 

Dont want to cause anymore trouble, but if he takes the cars, can't get to work, nearest public transport is 5 miles away, so no way of getting to work, so really can't afford to lose them

 

Initial credit not secured on house, didn't know about it going to high court as had head firmly embedded in sand, and no it's not Sherforce, Lol

Edited by Confused_Uk
Typo
Link to post
Share on other sites

Hi Felicity,

 

Even though there on his form I can still do that?

 

 

 

His forms are his own affair. He can write what he likes on his forms. He can write he saw Elvis riding Shergar in your driveway and 'seized' the pair of them. What his forms say are his problem, not yours. Unless you sign them.

 

Have you any idea on what legal basis he thinks he can get your house? Because I'm mystified. Did you see any charging order?

 

Here is what I would do. In this order..

 

 

1) Move any cars.

 

2) Pay the builders merchants if you can. Just the original amount. This must go direct to the builder. Do you have a way of paying them that they cannot refuse? Such as an account number you can pay into or online payment facilities. Perhaps they would take a credit card payment over the phone? (Might be best to not go into too much detail about what you are paying till after they've accepted it).

 

Whatever you do, you must not deal with the bailiff or his company directly unless someone with more experienced than me round here tells you you must. If you want to prove they are not your cars, the advice above is good, but I'd hand photocopies of the document through the letterbox without comment.

 

3) After the original debt is sorted out, you deal with the bailiff. His fees and charges are very likely illegal as this started out in the County Court. You did not consent to it being bumped upwards.

 

All communication must be in writing - recorded delivery letter or email.

 

Also the Data Protection Act is your Friend and you can get them to disclose all the information they have on you. You might wish to wait on that until they have well and truly incriminated themselves then see about getting some licenses revoked.

 

Once you have your hands on the info, it will be easier to see where to go from there.

 

There are people here better than me at remembering what specific fees for CCJ collection and things are. I know they are laid down in law, and a lot less that what you seem to be being charged. Which would make your bailiff a fraudster.

 

Think of it like this..

 

Its Open Season on someone shortly, but possibly not the person you suppose.

Edited by felicity2009
style
Link to post
Share on other sites

From my own experience that was "Sherfarce", it seems that they can only collect the original debt and those charges made by the court plus a £45 fee.

If they are claiming charges for walking possession, valuations etc that have never happened and that you never signed for, they are acting fraudulently.

Link to post
Share on other sites

Hi Everyone,

 

Sorry not been back for a while but internet went down :(

 

Ok, so update is, I panicked, phoned bailiff and offered to pay £200 per month, am now waiting to find out if it's going to be accepted. I had nowhere to move the cars to, and my sister is definately NOT impressed, so they got me :(

 

Read something on here about stay of execution, is that something I need to do, also how do I find out if the amount is correct, have been phoning creditor constantly but can't get through, all I can remember is that credit limit was £750, know I owe it, but don't want to pay more than I have to

 

Many Thanks

Link to post
Share on other sites

Then send your creditor a cheque for £750 or anything really, and don't tell them what its for till after they cash it.

 

Could you explain more about the panic, I don't really get it. Like what exactly had you panicking and how ringing the bailiffs will help.

 

Sorry if that seems like a rude question, but I've seen people panic a bit over the years but I'm never quite sure what is going on. Most people on here are quite desperate when they arrive, but after a bit of research and counselling they sort of know the process for getting bailliffs off their back and they stick to it because thats what they want and the process works. Once in a while it doesn't happen but its usually because they weren't in and someone else answered the door or a similar cockup.

 

Is there anything we could have said that would have stopped you picking up the phone and offering your money to the bailiffs?

 

Feel free to ignore this question.

Edited by felicity2009
Link to post
Share on other sites

If I pay the creditor direct, then won't the bailiff come straight back?

 

Already made first payment to bailiff, next one due in about 3wks. Bailiffs have already written to me, saying that if they don't receive payments when due, they will start enforcement action

 

Panicking was because they had levied on sisters cars, and I have nowhere else to put them, live in a very small village, so no side roads to put them down, and on the letter it said they could return anytime

 

There probably was a lot you could of said, but I couldn't get online, so that's where it all went wrong

Link to post
Share on other sites

if you are paying the bailiff direct they take there fees first before they pay the debt

in your position i would write to sheerfarce :) and ask them for a screen shot of your account if you do that you will see exactly how £750 ended up £1900

Link to post
Share on other sites

If I pay the creditor direct, then won't the bailiff come straight back?

 

The bailiff will be coming back no matter who you pay. Sort of like a playground bully. But this way you pay less.

 

Already made first payment to bailiff, next one due in about 3wks. Bailiffs have already written to me, saying that if they don't receive payments when due, they will start enforcement action
First thing to remember is bailiffs lie. All the time. They are after the most fees possible. A nice shiny car wouldn't go amiss either. Even if you pay them for the next ten years, they'll stuff up their proceedures then claim you defaulted, stick on bogus fees etc. They are not interested in you paying off the debt, they are interested in you stuffing up. And they take their fees first. They do all this because you have a debt. They are on far more shaky ground if you do not. So clear it direct with the company.

 

Panicking was because they had levied on sisters cars, and I have nowhere else to put them, live in a very small village, so no side roads to put them down, and on the letter it said they could return anytime

Photocopy the log books or whatever else you have that proves your sister owns the cars. Hand this through your letterbox next time they call. Personally, I'd also stick photocopies of these next to the tax disc.

 

This will make the bailiff very sad. He will probably have a tantrum. Do have a video camera ready as many people will find this entertaining.

 

If fact, I think we ought to run a competition for the best tantrum by a bailiff caught on camera.

 

Don't open your door though, film through a closed window.

Link to post
Share on other sites

Ok, will try phoning creditor and/or bailiff again on Monday, they are shut for the weekend, to see how much original debt was before fees added.

 

Would this be the amount the CCJ was for, because I haven't seen that either. What about N244, I spoke to NDL because I couldn't get on here, is that still worth doing even if I approach creditor direct?

 

Do I need to get my sister to do a sworn statement over her cars, or will bailiff accept the photocopies? Even if he does lie first. Will try to get a video of this :)

 

Ps It's not SheerFarce it's Andrew Wilson

Link to post
Share on other sites

don't phone the bailiff send an e-mail asking for a screen shot of your account and then put it in writing send by recorded post

if it was me i would wait till i got the screen shot from them before i sent anything

as for the rest sorry i haven't got clue :( tomtubby always recommends a screen shot if you got bailiffs fees

Link to post
Share on other sites

Ok, Latest update,

 

Phoned Creditor amount owing to them is £777, phoned Creditors Solicitors CCJ was obtained in April 2008 for £1049.10.

 

When CCJ was passed to Bailiffs it had increased to £1150.08, this was Sept 08.

 

Have phoned Bailiff company to be told file is with the bailiff, I have to call him, they have no information there at all :mad:

 

Don't really want to talk to him again, so I am going to email them asking for details of all fees and charges, is this the best way to do things?

 

Total amount outstanding at the mo is £1813.74, have also been told by solicitors bailiff is allowed to add interest at 27p per day, and that they have accepted my payment proposal of £200pm but they will not take payment direct

 

Hope you can help :confused:

Link to post
Share on other sites

Ok, have emailed Bailiffs, asking for details of costs, don't expect to hear back from them, Lol

 

Getting technical now, I've been reading on this site that fees for bailiffs for enforcing a CCJ is £45 to cover all visits, is this correct, I know he was an HCEO, and CCJ has been transferred up, but is it still a CCJ, or does it have a new name, and therefore new fees.

 

If this is correct, allowing for interest, they've added fee's of around £600 :eek: Nice work if you can get it, Lol

 

Tempted to phone Solicitors back up, and tell them I will pay them direct, but not Bailiffs, what would the bailiff do then, apart from get very cross?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...