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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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Missy - v - 1st Credit


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Hi

An update on this saga

 

1st finally sent a "true copy" of the CCA and it was on 4 pages with the signature on one sheet and the terms on another. I do not remember being shown the terms and was only given the signature to sign.

 

When I did see the terms I was shocked at the extortionate interest rate. When I signed I was only told verbally the monthly repayment.

 

I believe the CCA to be invalid because as stated in the CCA1974

 

61.—(1) A regulated agreement is not properly executed unless:

 

© the document is, when presented or sent to the debtor or hirer for signature, in

such a state that all its terms are readily legible.

 

I have not contacted 1st yet however, today, I received a demand from Connaught Collections UK Ltd for the full amount.

 

I have sent a letter to 1st, the one in the templates library also saying I will not be dealing with connaught.

 

missy

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Hi

 

Thanks for your interest

 

I posted the documents in post #6 above, I think the link is:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/201754-missy-1st-credit.html#post2196009

 

The sheet labelled page2 is the only sheet I was shown when I signed. I was shocked when I saw the interest rate of 33%. I would never have agreed to the loan if I knew I had to pay back so much.

 

missy

Edited by missy
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I would say that this is enforceable. Were they outside the time limit of supplying the agreement, if so, then they would have to take you to court to get it enforced.

 

Although Citi were bad with credit card agreements they are pretty hot on their loan agreements. The interest rates and figures all tallied, have you checked your figures to see if they are correct?

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Hi

 

Thanks for that. My point is not the figures being incorrect but I did not see the figures when I signed. I thought a valid CCA had to have all the elements as part of 1 document however I was only shown 1 page.

 

Missy

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  • 2 weeks later...

Because they're incompetant, allegedly.

 

Sadly, many DCAs purchase accounts, or the right to collect on accounts, without the relevant paperwork and then they need to rely on the original creditor to suply copies, which isn't always possible. Poor business practice, but hey, not many people know their rights so pay anyway. CAG SPREAD THE WORD :D

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Hi

 

I have just checked my credit history with CheckMyFile and I am shocked at what I find. 1st have registered a default with Equifax in Jan 2009 and a note on the account saying

 

Account closed on 31/01/2009 with an outstanding balance of £x,xxx.00

 

A default with CallCredit registered in March 2009 and a symbol each month after showing an icon of a padlock. The legend for the padlock means

 

Transaction not received this month

This means that the lender operating the account has not provided your account information to the credit reference agency this month, sometimes due to the lender keeping the account status private.

 

Now this has caused my credit score to drop. I do not remember 1st sending me a default notice in Jan and in March. This account is in dispute and I thought they were not allowed to do this. Any ideas on how to proceed with this please.

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Hi Missy,

 

Just like you I have problems with 1st but I was so shocked to see your Credit agreement all the pages. To this day I have never every had such a document of any Credit Card Company or Bank It always been just one page with sign here. If that is a what a credit agreement such look like then there is a God. Babybear help me when I was ready for doing something really silly with a bottle of pills and it was not asprin either. Due to 1st credit and lots more. Follow there advise and you will smell the roses again. Just dispute the stuff like I did you still get letter of them but its nothing you can't handle.

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Thank babybear

 

I have had a look in the library and did not see a template to help with the wording.

 

I have also searched for a thread but have not been successful. Can anyone help me by suggesting a format to send to 1st with regards to these illegal defaults. I am not sure how to tackle it. Should I ask then to provide evidence of the default notice that was sent etc.

 

Missy

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  • 2 weeks later...

Hi

 

Just wondering if anyone can please point me in the right direction on this one. I am not sure how to frame the letter to 1st regarding these defaults. I am not very good at putting these kinds of letters together so they make sense. Or if someone knows of a template.

 

Missy

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  • 3 weeks later...

Hi

 

Thanks again to everyone helping me work through this.

 

Update:

1st have written back saying they have basically sent me everything everything they have and the CCA is on numerous individual pages due to the limitations of photocopying.

 

So by their own admission they have not provided me with a 'true copy of the original CCA'. Does anyone have any advice on how I should proceed.

 

Thanks

 

Missy

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  • 1 month later...

Hi

 

Update, Ist Crud have still not supplied evidence of a valid CCA and I have now received a demand from Mackenzie Hall demanding full settlement. I thought that if a CCA request had been sent and not resolved then the account was "in dispute" and could not be passed on to another DCA. Can someone please advise as the deadline is tomorrow.

 

Should I contact MH or !st Crud

 

Regards

 

Missy

 

NB

 

I have found the appropriate letter in the library.

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Hi

 

I have just checked my credit history with check my file and found out that 1st Credit have registered a default against my account every month since march 2009. This obviously makes my credit file look very bad. Now I thought that when in the process of checking CCA agreements all reporting had to stop. Can I get these defaults removed?

 

Missy

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Very unlikely, it's extremely difficult to achieve this especially after the recent high court ruling . Even if a debt can't be enforced through the courts due to lack of a compliant CCA , it doesn't mean the debt doesn't exist, it just means that you can't legally be forced to pay it.

 

I may be wrong as its 1stCredit who have raised the default as opposed to Vanquis, but it's been said on a few threads regarding this subject it's easier to defend court cases, than taking the matter to court yourself.

The onus then falls on you to prove the case . ie that the business relationship never existed, and they could maybe produce statements and other documntation showing otherwise.

 

If I've got this wrong I'm sure someone with more knowledge will correct it and give a better expalnation for you.

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  • 8 months later...

 

The point I was making was that whilst the account was in dispute then all reporting on the account had to stop.

 

missy

 

Its been a while but I was wondering if anyone had any advise on the above point?

 

Thanks

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Its been a while but I was wondering if anyone had any advise on the above point?

 

Thanks

 

I think you may be missing the point a little bit, from my short but very educational visit to this forum, my understanding is that to comply with a cca request the creditor/dca, can provide a 'reconstituted' agreement; which if fair and proper entitles them to chase you personally for the debt! And, ergo, update your credit file accordingly, But, and it is a big but, it does not give them the legal right to persue you in the courts, because for that they would require the 'original' executed (properly signed with prescribed terms etc) agreement.

 

For you to change the details on your credit file you would need to approach the credit reference agency and the ICO, but ultimately it would probably require a court case to determine if the information on your file was indeed correct or not. Then the onus would be upon you to prove that the debt never existed, rather than the DCA/OC proving it did. Which I believe the latter to be the most advantages for persons such as ourselves.

 

As it stands, and I think that the duration between posts suggests this, the DCA isn't going to take you to court, because they can't. But, this doesn't mean that the debt doesn't exist, in which case they are entitled to reflect this in your credit file.

 

I would perhaps go over the suggestions made in earlier posts and look at other ways to resolve this, i.e. default notices etc. The fact that the original DCA has tried to pass it on to others suggest that they don't have a proverbial leg to stand on!

 

It is late and I probably should have gone to bedy byes several hours ago, so I may well and truly be off the mark. However, rest assured, if I'm wrong or missed something, the awesome people on here will be right there to put you in the right direction.

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The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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