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

Unenforceability Cases on hold until further notice


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5297 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

well i dont often show my arse in burtons window so i think you can assume it is a fairly safe bet!!

 

(i conceded that i stated 12 instead of 30 days in error)

 

I am sure that you will find that only CERTAIN parts of the previous act were not revised - the proposition that everything pre 2006 act is as was is just not correct IMO

Link to post
Share on other sites

  • Replies 1.5k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

well i dont often show my arse in burtons window so i think you can assume it is a fairly safe bet!!

 

(i conceded that i stated 12 instead of 30 days in error)

 

will you also concede you were incorrect in your assumptions about the amendments brought forward by cca 06?

Link to post
Share on other sites

nothing to do with this case

 

the offence bit was done away with a while ago- it was never enforced anyway!!

 

i would have thought that someone dealing with this issues for 25 years would be up to speed on this

 

never pays to shoot ones mouth off about something they clearly don't have a full grasp of.

 

imvho.:D

Link to post
Share on other sites

i refer the honourable member to the reply i gave a few moments ago:D

 

yes, i have read you edited opinion

 

and it's cleary an opinion that is not bourne out of any factual discovery.

 

i had a major inkling you and pedro were wrong, and i have pressed you both for confirmation which neither of you supplied

 

and now the rhetoric from you changes to IMO

 

case closed.

Link to post
Share on other sites

never pays to shoot ones mouth off about something they clearly don't have a full grasp of.

 

imvho.:D

 

well i'm happy to discuss it but not get into a fight about it so if that is the way the thread is going ill withdraw

 

but first suggesting that i donate 50 quid to the site if i am wrong and you donate 50 quid to the site if i am right!!

 

hows that for shooting my mouth off!!

Link to post
Share on other sites

well i'm happy to discuss it but not get into a fight about it so if that is the way the thread is going ill withdraw

 

but first suggesting that i donate 50 quid to the site if i am wrong and you donate 50 quid to the site if i am right!!

 

hows that for shooting my mouth off!!

 

so are you now suggesting you are not 100% sure?

Link to post
Share on other sites

yes, i have read you edited opinion

 

and it's cleary an opinion that is not bourne out of any factual discovery.

 

i had a major inkling you and pedro were wrong, and i have pressed you both for confirmation which neither of you supplied

 

and now the rhetoric from you changes to IMO

 

case closed.

 

EVERY POST i make is made IMO - i wouldn't want anyone to think otherwise (see the footnote)

Link to post
Share on other sites

oh my we having fun with legal debate, fact is if they removed the offence section out of the CCA under 80 you would also be entitled to have an Hire Purchase Agreement on a car not pay for it and not tell them where the car is,,, This is an offence,,,,,, Any Claims Co that tells you that you could keep your car are bs-ing you.

 

Its a danger when people talk about newbies on sites like this ,,,, its apparent that the oldies dont like the newbies giving them facts.

 

If the law was about the day the agreement was written hence before April 07 and its now 09 ,,,,How come I have a job? lol stating it the way you did would mean that the law only lasted for one day.

 

Fact is it goes on when the agreement was commenced

other thing mentioned was that Credit Card Agreements don't have a total charge for credit. course they do and the law states this

 

60.—(1) The Secretary of State shall make regulations as to the form and content of

documents embodying regulated agreements, and the regulations shall contain such

provisions as appear to him appropriate with a view to ensuring that the debtor or

hirer is made aware of—

(a) the rights and duties conferred or imposed on him by the agreement,

(b) the amount and rate of the total charge for credit (in the case of a consumer

credit agreement),

Link to post
Share on other sites

well i'm happy to discuss it but not get into a fight about it so if that is the way the thread is going ill withdraw

 

but first suggesting that i donate 50 quid to the site if i am wrong and you donate 50 quid to the site if i am right!!

 

hows that for shooting my mouth off!!

 

How about £500 ?

Link to post
Share on other sites

oh my we having fun with legal debate, fact is if they removed the offence section out of the CCA under 80 you would also be entitled to have an Hire Purchase Agreement on a car not pay for it and not tell them where the car is,,, This is an offence,,,,,, Any Claims Co that tells you that you could keep your car are bs-ing you.

 

Its a danger when people talk about newbies on sites like this ,,,, its apparent that the oldies dont like the newbies giving them facts.

 

If the law was about the day the agreement was written hence before April 07 and its now 09 ,,,,How come I have a job? lol stating it the way you did would mean that the law only lasted for one day.

 

Fact is it goes on when the agreement was commenced

other thing mentioned was that Credit Card Agreements don't have a total charge for credit. course they do and the law states this

 

60.—(1) The Secretary of State shall make regulations as to the form and content of

documents embodying regulated agreements, and the regulations shall contain such

provisions as appear to him appropriate with a view to ensuring that the debtor or

hirer is made aware of—

(a) the rights and duties conferred or imposed on him by the agreement,

(b) the amount and rate of the total charge for credit (in the case of a consumer

credit agreement),

 

steeq

 

i am not an "old hand" as you suggest and i welcome your input- however this IS a forum that is often "inflitrated" by the other side (trolls) and it is not unknown for posters to try and mislead caggers

 

your appearance so soon after the recent mcGuffin case is bound to be viewed with a LITTLE suspicion and i am not saying that you are from the "other side" but you WILL be viewed by some of us with that possibility in mind (just as no doubt i and others first were) but please dont be offended- it is a reality of life on this site to keep our wits about us

Link to post
Share on other sites

ohh... come on people!!! the offense after 30 days of default thingy in s77/78 is repealed by CCA2006, this is kind of common knowledge here.

 

By arguing against this one makes himself looking 'not up to speed' and 'read (and apparently write too) about law on internet' ;-) kind of person.

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

Link to post
Share on other sites

ohh... come on people!!! the offense after 30 days of default thingy in s77/78 is repealed by CCA2006, this is kind of common knowledge here.

 

By arguing against this one makes himself looking 'not up to speed' and 'read (and apparently write too) about law on internet' ;-) kind of person.

 

As I said its not enforced the CCA2006 did not repeal it ,,,,If it did repeal it no one would be claiming unenforcable credit agreements right now . You cant have bits of legislation covering one bit but not the other ,,,,,read CCA 2006 it takes unenforcability out of the equasion.... You are right about one thing though i read law on the internet from government websites as not every single word is in my brain.

 

If you guys think im from the other side you should check out my other posts here http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/65153-equita-caught-handed-2.html

 

Good night guys it was fun some of us have to work in a legal office tomorrow where there are solicitors.... hehe better tell them not to look up anything on the net..... not unless they come speak to all the solicitors on here first.... have fun guys

Link to post
Share on other sites

ohh... come on people!!! the offense after 30 days of default thingy in s77/78 is repealed by CCA2006, this is kind of common knowledge here. from april 6th 2007, but all agreements made before that date reside within the act they were created in.

 

By arguing against this one makes himself looking 'not up to speed' and 'read (and apparently write too) about law on internet' ;-) kind of person.

 

my creditor has allready tried to slap me daft with the 2006 regs, but failed miserably, can't wait for their new angle.

 

cab

Link to post
Share on other sites

As I said its not enforced the CCA2006 did not repeal it ,,,,If it did repeal it no one would be claiming unenforcable credit agreements right now . You cant have bits of legislation covering one bit but not the other ,,,,,read CCA 2006 it takes unenforcability out of the equasion.... You are right about one thing though i read law on the internet from government websites as not every single word is in my brain.

 

If you guys think im from the other side you should check out my other posts here http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/65153-equita-caught-handed-2.html

 

Good night guys it was fun some of us have to work in a legal office tomorrow where there are solicitors.... hehe better tell them not to look up anything on the net..... not unless they come speak to all the solicitors on here first.... have fun guys

 

who "trumpted" and stuck his head under the blankets:eek:

 

cab

Link to post
Share on other sites

I suggest you refer to the Consumer Protection from Unfair Trading Act (CPUTR) 2008 which removed the summary offence from s77/79 after 30 days

 

It makes no difference when the agreement was made- the act removes the offence from any s77/79 requests made after 26 May 2008

 

 

The Consumer Protection from Unfair Trading Regulations 2008 (No. 1277) - Statute Law Database

 

Consumer Credit Act 1974 (c. 39) - Statute Law Database

 

 

 

 

 

goodnight. bum safely tucked away in trousers for another day

Edited by diddydicky
Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5297 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...