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

Out of the blue letter from Paragon


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5433 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

I have a debt with Paragon that goes back about 14 years to Universal Credit. Basically CAB negotiated reduced payments and no interest, UC agreed, Paragon brought UC and added about £12k interest to a £3k debt and didn't bother telling me. Some time later I found out and started paying £225/month (for about 5 years). Last year I went back to CAB as my balance hadn't reduced. They said to stop paying. That was July 2008. I haven't made any contact with them since.

 

Today out of the blue I received a letter from Paragon which says -

 

I refer to previous communication in connection with the above account.

 

Following a review of the account, i confirm the company is not willing prepared to write off the balance and whilst the account is outstanding it will affect your credit rating.

 

I can confirm the company are prepared to negotiate on the balance by the way of a full and final or capped term offer that you might decide to put forward.

 

If you choose to make an offer please put it in writing.

 

 

This is very strange. I haven't spoken to them since last summer when they called to ask why I had stopped paying. I told them CAB had looked through the paperwork and advised me to stop paying. I also mentioned that they had backed down in court after someone produced the document they sent in 2000 which said they would report the account up to date and consolidate arrears if I signed a standing order. I was told this agreement would have modified the CCA and had some technical errors.

 

I don't have a CCJ, Paragon haven't put anything on my credit record, I have had no threats of court action, no letters, no phone calls, nothing for 10 months.

 

Does this letter make you think they can't legally pursue the debt? It sounds like they want me to make an offer, which I'm not prepared to do as I have already paid well over £16000 on a £3000 debt, and they claim I still owe them £15000.

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

:eek::eek: They have seen you coming. Send a CCA request http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter to see whether this debt is enforceable, also you will need to send a SAR http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca to begin reclaiming unfair charges.

 

send both request recorded delivery.

Link to post
Share on other sites

:eek::eek: They have seen you coming. Send a CCA request http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter to see whether this debt is enforceable, also you will need to send a SAR http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca to begin reclaiming unfair charges.

 

send both request recorded delivery.

 

Thank you.

 

I haven't done a SAR, but did request the CCA which they sent (well they made one up with my name, no signatures, no dates).

 

This all goes back to when I got into a lot of debt around 1998, I had several debts. A few took CCJ's, a few froze the interest and have since long been paid off. But Paragon did neither, they just hid the interest charges from me. I presume if they could take a CCJ they would have done so by now? It has been 11 years since I broke my agreement and went into default (although they never registered a default against me.

 

I'll send of for the SAR and see what that turns up.

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

I have had dealings with this parasitic company, and finally got shot of them when I sold my house, they are in my consideration an evil little money grubbing firm, that should never have been given a licence to trade in the first place - Rant Over

Link to post
Share on other sites

I should also add this is for an unsecured loan.

 

Has anyone successfully argued the case of being kept in the dark over interest being charged? For about 5 or 6 years Paragon added interest at 28% without ever telling me. They continued to accept payments of far less than the interest being charged, pushing me further into debt. They never once told me how much I owed.

 

Reading the forums it seems a few people have won in the courts against Paragon. Since Paragon seem to have no intention of taking me to court (at the moment) that doesn't help me.

 

Should I just continue to ignore them?

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

If you are no longer paying them then either wait until you get the statments and then try and get the interest and charges back or tell them to take you to court.

 

I got my charges back with very little effort, but it was nowhere near what I had paid over the years with little or no headway into the captial, so after 5 years I still effectively owed them what I had borrowed

Link to post
Share on other sites

I had a problem with them over interest. I did actually have a ccj with them but they added a lot of interest on top of the ccj balance which they did not inform me of until I requested a balance about 7 years later. I paid the ccj balance and ignored the interest. They then chased for the interest so I wrote a strong letter of complaint pointing out their lack of transparancy and lack of a legal basis (info supplied by CAB) to pursue the additional interest (contractual interest). They responded to my complaint with a letter advising that they were entitled to ask for the interest but as a gesture of goodwill they had closed my account and I had no further obligation. This resulted in them writing off around £10K. How nice of them!

In my opinion, they do not want to show a court how much interest they are charging. Infact, at the rates they charge, if you are paying at a reduced balance you will never pay the balance off as the interest is usually higher than the payments.

They are also basing their right to do this on the fact that there is a clause in the original contract (I also originally had my loan through Universal Credit). However, as they do not seem to be able to provide true copies of cca's going back that far, I can not see how they would be able to quote this in court. If I were you, I would write a letter of complaint (make sure it is headed Official Complaint - Letter 1) and point out their lack of transparancy, how you would never be able to reduce the debt based on the interest charged and that you believe they have had more than enough money to cover the loan plus reasonable interest. I'm no expert but I think they are trying it on.

Link to post
Share on other sites

What a shocker !!! I'd like to see the CCA they 'made up' for you (can you scan/photo it and post it up here ? - minus your personal details).....and i'd definitely send a SAR to them.....(which you can find here - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca Unfortunately a SAR costs £10 (send postal orders if need be and send recorded) they HAVE to send all they hold on you in 40 days....and don't let them default you again as you were probably defaulted for this way back after you got into trouble originally...

 

It may be the case now that they owe you more than you owe them in excessive penalty charges.....!!! They need reporting to the FOS and the OFT....

 

I really can't see a judge allowing this to go through (even if it got to court stage).....

Link to post
Share on other sites

They have taken to phoning me now as well.

 

I just had a call from them. They said "are you willing to make a payment on your account or agree to a full and final settlement"?

 

I said they hadn't produced a valid CCA as it is not dated, signed and neither does it have a total amount payable. They claimed it doesn't matter. I pointed out I had been told by CAB it does matter and the agreement wouldn't be enforceable.

 

They just said they would make a note on my file and that was it.

 

No doubt I'll continue to be pestered by them.

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

Here is the link to the CCA -

http://i220.photobucket.com/albums/dd206/sismile/SCAN0001.jpg

 

I make the total payable as £11962.44. I have paid £15,227 so far since Paragon took over (the debt was about £3500 at that time). Last time I got a balance from them it was in the region of £14,000 still to pay.

Edited by Debt buster

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

If it was me i'd also want to see a FULL portfolio of paperwork....compliant default note, statements for the duration of the agreement, compliant notices of assignment etc...

Link to post
Share on other sites

You could send them this....(but print your signature don't sign anything)...and you might find this thread interesting too - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/163432-natwest-created-cca-my-2.html

 

Thank you for your response to my request under the Consumer Credit Act section 78.

 

I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence my signature means that a court would be prevented from enforcing it under s127(3)"

You had until (date here) to provide me with the true copy I requested. After that date you entered into default of my request and I am therefore advising that the matter is now in dispute . Whilst the matter is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else.

 

Please note you may also consider this letter 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 including any defaults. 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 fail to respond within 21 days, I will expect that this means you agree to remove all such data.

Link to post
Share on other sites

Nope send them this

 

Harassment by telephone

 

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully,

 

and until they get it say in writing and put the phone down

Link to post
Share on other sites

They just called again, 3 and a half hours after the last call. Now that is harassment.

 

Anyway something interesting came up, they admitted they had sent a "reconstructed" credit agreement as they don't have the original. They claim Universal Credit had the original and they no longer exist. They also admitted they can't legally collect the debt but would continue to phone and write to me.

 

They also said they have no intention of taking me to court.

 

But of course non of this stops them selling on the debt which is what they seem to do when it reaches this stage. Then the whole battle starts again with another company.

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

2u7t9g1.gif

 

Make a complaint to your local trading standards & the OFT with regards to their harassment and threats, they are in clear breach of OFT guidelines & CPUT;

 

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

[email protected]

 

The Office of Fair Trading: Debt collection practices

 

tel: 020 7211 5823

Debt collection guidance - Final guidance on unfair business practices - oft664

Link to post
Share on other sites

Complaint made to OFT.

 

The calls continue and Paragon claim they are within FSA & OFT guidlines to call anything up to 3 times a day.

 

Everytime they call it's the same story, they ask for a payment, I tell them to send me the original CCA, they say they sent a copy and don't have the original, I tell them not to expect a payment as the debt is in dispute, they say they will keep calling until I pay. I tell them they are harassing me, they claim it's their right to call every day. I speak to the same person every time and get the same answer.

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

They just called again, 3 and a half hours after the last call. Now that is harassment.

 

Anyway something interesting came up, they admitted they had sent a "reconstructed" credit agreement as they don't have the original. They claim Universal Credit had the original and they no longer exist. They also admitted they can't legally collect the debt but would continue to phone and write to me.

 

They also said they have no intention of taking me to court.

 

But of course non of this stops them selling on the debt which is what they seem to do when it reaches this stage. Then the whole battle starts again with another company.

 

nice of them to confirm that

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

Link to post
Share on other sites

This is the complaint to OFT -

 

Dear Sir/Madam

 

 

Consumer Protection from unfair trading regulations 2008 (CPUT)

Formal complaint against Paragon Finance for harassment

 

 

I write to complain under the above regulations. I am receiving persistent phone calls from Paragon in respect of a purported debt for which an original Consumer Credit Agreement does not exist.

 

I have asked Paragon to stop telephoning me and to communicate by letter as the calls are interfering me with my family life. Despite this the calls continue. I have logged the calls over the past few days along with a summary of content, I have listed these at the end of the page.

 

Although I agree the DCA are entitled to take reasonable care to pursue a debt if they feel there are outstanding issues, I consider the level of calls to be above what I can reasonably expect.

 

I notice that Paragon are prepared to carry out a campaign of constant harassment rather than bring legal action against me, which in my view is the proper and reasonable course of action. I have raised these issues with Paragon who admit they do not have the original consumer credit agreement and have no intention of stopping the phone calls or taking any legal action.

 

I consider Paragon are operating an unfair commercial practice and this is the reason I am bringing the complaint to you. At Present Paragon are calling me on a daily basis and I think this is totally unreasonable in the circumstances .

 

 

Yours Faithfully

xxxxxxxxxxxxxxxxx

 

 

Recent calls from Paragon -

2nd June 2009, 10.38am (busy so didn’t answer), 10.40am (they called back 2 minutes later).

1st June 2009, 9.43am. Paragon asking for payment, admit they don’t have the CCA , say they will continue to call despite my asking not to, claim they are within the FSA guidelines to call as often as they want.

28th May 2009, 12.02pm. Paragon asking for payment, I asked not be called, they say they will continue to call. I ask why they have called me twice in one day, they say they need payment. I say debt in is dispute and ask they take me to court, they refuse .

28th May 2009, 8.25am. Paragon leave message on answer phone. I call them back, they ask for payment. I tell them account is in dispute. I ask them to write to me instead of calling.

27th May 2009, 10.50am. Paragon call and ask if I would like to make a full and final offer or make a payment. I ask for original CCA, which they say they don’t have.

http://paragondebts.blogspot.com/

 

My Paragon debt story.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...