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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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      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.

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Unenforceability Cases on hold until further notice


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the CMC is Barrington Whyte trading as Credit Compensation.

 

I have realised the error of my ways and had given my info to them some time ago before finding this site. They have written to five companies requesting copies of the CCA, none have responded so they tell me this is enough to make the agreements Unenforceable-a big decision because if this is the case I can come out of my IVA which was the only way to handle my situation.

 

I don't want to pay a CMC for something I can do myself. My question is

 

1. Is no response to a CCA request with appropriate reminders sufficient to assume unenforceability.

2. If not, what should I do myself, to establish unenforceability.

 

Thanks for your interest

 

Henderson50

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the CMC is Barrington Whyte trading as Credit Compensation.

 

I have realised the error of my ways and had given my info to them some time ago before finding this site. They have written to five companies requesting copies of the CCA, none have responded so they tell me this is enough to make the agreements Unenforceable-a big decision because if this is the case I can come out of my IVA which was the only way to handle my situation.

 

Not so, just because they didnt have the document at that time, doesnt mean to say they wont find it in a couple of months.

 

I don't want to pay a CMC for something I can do myself. My question is

 

1. Is no response to a CCA request with appropriate reminders sufficient to assume unenforceability.

2. If not, what should I do myself, to establish unenforceability.

 

Thanks for your interest

 

Henderson50

 

You can send off the CCA request, subject access request, then using the information from the links below there are other routes you can go to see if they have a copy.

 

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

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/165349-smt37-morgan-stanley-goldfish.html

 

HTH

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the CMC is Barrington Whyte trading as Credit Compensation.

 

I have realised the error of my ways and had given my info to them some time ago before finding this site. They have written to five companies requesting copies of the CCA, none have responded so they tell me this is enough to make the agreements Unenforceable-a big decision because if this is the case I can come out of my IVA which was the only way to handle my situation.

 

I don't want to pay a CMC for something I can do myself. My question is

 

1. Is no response to a CCA request with appropriate reminders sufficient to assume unenforceability.

2. If not, what should I do myself, to establish unenforceability.

 

Thanks for your interest

 

Henderson50

 

Personally, I would say it is;

 

But, I find it surprising that your CMC has received no replies from anyone. Most companies reply, even if the response is not providing you with the information you require. Did your CMC provide copies of correspondence?

 

If they haven't, then I suggest you repeat the exercise - it wil cost you around a tenner to repeat but you need to ensure that your request is more than 28 days after the previous request or they will just say they are not required to comply - which would be true.

 

I have tackled 6 CCCs and only one has not responded with anything, the others have sent variations on a theme but consistent with the responses receive by other Caggers.

 

I would urge you not to be too reckless about such a claim unless you were on pretty solid ground. It may come back to haunt you further down the line.

 

My opinion

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seems expensive to me- especially since the advice you have paid for is totally icnorrect

 

not responding to the CCA requests DOES NOT mean that the agreement is unenforceable

 

what is DOES mean is that they are in default and that all the time that they are in default the cannot do certain things (basically add interest and charges pass it to others etc)

 

HOWEVER at ANY time (up to 6 years of course when in would become statue barred) they can simply respond to the cca request 9and still alas without the original signed agrreement but just a reconstruction of it and the game is on again

 

ditch the cmc they are obviously crap and do it yourself

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seems expensive to me- especially since the advice you have paid for is totally icnorrect

 

not responding to the CCA requests DOES NOT mean that the agreement is unenforceable

 

what is DOES mean is that they are in default and that all the time that they are in default the cannot do certain things (basically add interest and charges pass it to others etc)

 

HOWEVER at ANY time (up to 6 years of course when in would become statue barred) they can simply respond to the cca request 9and still alas without the original signed agrreement but just a reconstruction of it and the game is on again

 

ditch the cmc they are obviously crap and do it yourself

 

 

I was once given a 'mild' telling off by a County Court Judge as an aside after a CCJ hearing in which I told the Judge I was paying £75 a month to a CMC. He said I was daft paying them the £75 when I could have made the agreements myself and either been £75 better off in my pocket or have another £75 I could have been paying off my debts. He also told me that no one can make you pay more than you can afford, and that if you haven't got it you can't pay it.

 

(I just wish every Judge was that sympathetic)

00020143.gif

 

 

 

 

 

 

 

 

 

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I was once given a 'mild' telling off by a County Court Judge as an aside after a CCJ hearing in which I told the Judge I was paying £75 a month to a CMC. He said I was daft paying them the £75 when I could have made the agreements myself and either been £75 better off in my pocket or have another £75 I could have been paying off my debts. He also told me that no one can make you pay more than you can afford, and that if you haven't got it you can't pay it.

 

(I just wish every Judge was that sympathetic)

00020143.gif

 

 

that was 75 quid to a debt management company not a CMC... 2 very different entities.

 

CMCs dont advise on debt management.

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copy and paste or is there a button on the thread somewhere

 

oops

 

You can quote single posts by clicking the "Quote" button at the bottom of each post;

 

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Alternatively, if you have multiple posts that you want to quote, you can click the "Mutli-quote" button on each post you want to quote;

 

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You then have to click "Post Reply" at the bottom of the page, underneath the last posted message, which will take you to the advanced posting screen where each of the multi-quoted messages appear;

 

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A few tips;

- Select the multi-quoted messages options on the posts in order, as the order you click the button on each post will determine the order that they appear in your reply.

- If you click the multi-quote buttons on several posts, in several threads, your next post will automatically include all those quoted posts, even if the next reply you post is on another thread. To stop that happening (if you don't want it to) click the multi-quote button again to deselect that post, so it isn't quoted. If you clicked a lot of multiquote buttons, you will have to deselect them all before posting using the advanced post option, or all the multiquoted posts will appear there.

 

;)

 

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