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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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reliable collections/kensington fmc


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i am having problems with reliable, when we where called by reliable over a debt to 50+. (part of the jd williams grp.) they asked for the money owed and when my wife told them that we had been in touch with 50+ and had asked for a reduction in the payments, and where waiting a reply. reliable then said that we would be better using a financial management company. my wife agreed and reliable told her to hold the line, 2 seconds later she was talking to somebody from kensingtons. arrangements were made and we where told that they would call us back and take some details.

true to there word they rang back and took all our financial details, we asked for a paying in book as we dont do direct debits,this was agreed we where asked when we wanted to make the first payment, it was agreed that we would start paying on the 27th of last month. all the relevant paper work arrived the next morning, i was impressed. i received a phone call on the morning of the 27th, at 9am asking what time i was going to pay the money into there account so they could get the ball rolling.

it has all gone down hill since then. the first payment was for kensingtons to start getting in touch with all our creditors, we where told that all our creditors would be aware of the situation by wednesday of the next week.

we recieved some more calls off our creditors asking for payment, we explained that kensingtons were taking over our payments at that they should have recieved notification, they never got it. i rang kensingtons and was put through to my liason team and was told that they would fax all the paperwork to our creditors on that day and he would ring me when it was done. i rang them yesterday and spoke to another member of my liason team, and asked him to get my personal liason team member to ring me, it again never happened. i rang today to cancel our agreement, i spoke to a manager who apologised, and said that my personal liason team member went home sick.and the other chap was not in today or tomorrow, i am getting nowhere with them and have asked for a senior member/manager to ring me on monday morning. i will keep you posted.

is anyone else dealing with kensingtons?.icon8.gif

 

 

 

sorry for ranting on, but i needed to get this off my chest.

 

regards. scousemonk.

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yes you are correct but these companies dont stop the interest/ charges until they have a management agreement. but when i got the paperwork off these people the amounts didnt tally. so now because i am in poor health my son and my wife are going to sort out with our creditors to pay them direct, and stop all charges/interest. we will of course be picking everyones brain on this wonderful site as we go along.

regards. scousemonk

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You should also make a complaint to the OFT about Reliable as they are not allowed to do what they have done in regards to refering you to a debt management company.

 

2u7t9g1.gif

 

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

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reliable then said that we would be better using a financial management company. my wife agreed and reliable told her to hold the line, 2 seconds later she was talking to somebody from kensingtons.

 

Cerb is right, refering you to a dmc is not on. This company is the pits in the catalogue world. Report them as Cerb says.

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You should also make a complaint to the OFT about Reliable as they are not allowed to do what they have done in regards to refering you to a debt management company.

 

 

 

They offered me the same 'exclusive, special' help months ago (I declined their kind offer) - but now I am in charge not them :lol:

Welshwizard QC (Quite Content):rolleyes:

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hi welsh wizard. yes they are full of inclusive offers. i have written to every one of my creditors, i have enclosed the management companies schedule of payments. the s--t will hit the fan when all the paper work lands on all there desks. i am going to wait until they have all accepted my offers and then i am going to fire off some letters to,OFT, and any other government body that comes to mind. regards; scousemonk.

 

 

many thanks to all you lovely people who have helped me on this forum.

 

i will keep you all posted on the outcome of my phone calls tomorrow.

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hi everybody, boy have i had a busy day, waited till 12.30 for phone call from kensingtons, then i phoned them, couldnt speak to the main man, so ended up ranting at client liaison officer, he apologised for all the mistakes that they had made, i asked if they had an office in the same building as reliable and he said no, i asked if they had a fixer in reliables office yes he answered, that is why you cant speak to the main man once you have paid the money into there account his job is finished.

refund of monies paid will be with me on friday(yeah!). i have wrote to all my creditors with this information and my payment proposals. when i have there answer, i will fire off letters to the right people and departments.

 

regards scousemonk

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hi everybody. eventually the mainman/fixer at kensingtons rang. tried to get me to stay with them,offered a senior liaison officer. claimed that the chap who said he would sort out my repayment hadnt done so. he said he would get the check out to me in the next couple of days. i wont hold my breath. i think i am going to have a long fight to get my money back.

regards; scousemonk

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hi mr ton. i am trying to get all the relevant paper work together, try and find some more answers and also give kensington the benefit of the doubt.

will spend s few days on this site and others to get the facts.

will keep you all in the picture as i go along. regards scousemonk.

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The Consumer Credit Act 1974 (Electronic Communications) Order 2004 came into force on 31st December 2004. This Act allows for electronic signatures provided that the whole process is done electronically.

 

The Consumer Credit Act 2006 which revoked s127(3) came into force April 2007.

 

Edit: regarding the (Electronic Communications) Order 2004, they still need to produce an agreement specific to you, the only difference should be a tick instead of a sig. SImply producing a blank agreement will not do..

Edited by Nagasis
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hi nagasis. thanks for your response. i did everything via computer. they sent a cca for me to sign but i never got round to it. i just ticked the terms & conditions box. scousemonk

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It doesnt supprise me they sent a cca for you to sign altho you signed up online as I believe from this link UK Mail-Order Giant, JD Williams, Selects Silanis Electronic Signatures | Silanis their online agreements don't conform.

 

The only problem is that as the account was opened only last year it is covered by the cca 2006 where the lack of a signed agreement is no longer an absolute bar to enforcement in the courts. (thats how i understand it and stand corrected if wrong)

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hi nagasis, thanks for the info. just how would i find out about the on line agreements conforming/not conforming. and is it up to them to tell people that ticking the box constitues a signature. or is it down to us to read up on the laws. scousemonk

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This statement in the article says it all really:

 

"...while creating a competitive advantage for the retailer by becoming the first UK mail-order company to achieve CCA-compliant credit agreements over the web....."

 

Methinks before January 2009 (date of the article), their agreements may not have been compliant then....:D

Welshwizard QC (Quite Content):rolleyes:

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hi everybody. this one is for the total idiots at jd williams/reliable, if you have ever had an e-mail of any of these companies, you will see that it asks you to think of the planet when considering to print the message. have you got all of that? i got six yes six letters off reliable this morning, all in seperate envelopes. well thats the planet considerd. scousemonk.

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well now for the serious stuff. in the begining there was £10.00 offered by me to all of my creditors, then came reliable/kensington. my creditors where firstly offered between £1.57 & £10.00. i wrote to my creditors and again offered £10.00. then along came reliable/kensington. reliable in there letters this morning have stated that most of my creditors have accepted £5.00 per month. forwarded every 28 days from kensington fmc. we also confirm that no further service charge will be applied providing that the agreement is adhered to. failure to comply to this agreement will result in further action and possible costs being applied along with the resumption of service charges. am i being backed into a corner here, if i was still with kensington i would have to pay them £100.00 per month, they would then pay my creditors £50.00, who gets the other £50.00. the hole is getting bigger for these idiots. regards; scouemonk

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Hi, I use Kesington Financial Mnagement to manage my DMP as they were recommended to me by a collegeague who also uses them. I've had no problems with them and my plan is progressing well. To answer the question re why pay someone. CCCS said I could pay £200 more than I could afford and they won't take my existing plan over. Not surprisingly they are funded by the banks. I have 7 creditors, am recently divorced (a non working alcoholic ex), have a very demanding job and 3 kids, 2 of whom are teenagers. I quite simply didn't have the time to take on the battle on my own. I haven't tried Payplan but some CAGGERS speak well of them. Kensington are a bonefide company but I believe they're inundated by requests for help. I dealt with them by phone and e-mail and I rarely get to speak to my liaison person but I always get answers from whomever takes my call when I ring. However, don't be fooled re timings. The first month's payment is taken upfront and your creditors won't see a penny until month 2. This is normal unfortunately for all companies who act on a fee basis. And before you think CCCS is acting for free, it is for you but they get a percentage back from the creditors. This does mean that your creditors won't get a penny for 6 weeks so you will be hassled for about 2 months until the dust settles if you stop paying them whilst the plan is sorted. Hope this helps and good luck with whatever you decide to do. Rest assured KFM are not [problematic] and it sounds like you've been unlucky.

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