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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.

      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.

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Charge on my Property - Thanks HBoS :-(


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Hi All,

 

Not sure if I'm supposed to be posting this story and question here, so early apologies...

 

I'm currently at the beginning of county court claim by HBoS against me which has now been allocated on the Fast Track and I have today issued the first document to HBoS, a document disclosure statement along with my counterclaim refund calculations...

 

Some background... I have a Halifax CC debt of an embarrassing £13.5K which I defaulted on in March 2008 with the intention of claiming for a refund of unfair interest and charges etc. I've now calculated this to be a huge £5.5K which shows just how much banks having been making on us... Over 40% on this credit card debt, since I opened it on 28th Jan 2004. I paid the card off 2 years ago but having spent some time out of work I ran up the card again early last year and decided I'd better make sure the debt was correct so claimed.

 

I've counterclaimed after the bank sued me for this recently, but as I was on low income at the time and I'm now unemployed again, so I've asked the court to waive the counterclaim fee in full, as yet it appears the counterclaim has not been struck out so fingers crossed and they will grant the waiver.

 

I've spoken to Irwin Mitchell Solicitors representing HBoS and they've told me they intend to continue with the litigation to obtain a charge on my property as I'm only paying a minimum amount since Nov 2008 (for the remaining debt) and they don't like the length of time it will take to repay the loan. So the case goes on... I mentioned that the tax payer had bailed out HBoS to the tune of several hundred billion pounds in loan guarantees but this does not reduce their appetite to get a charge on my property, I guess they want their shares back from the Treasury :p.

 

My property is a family home, I have 3 kids half the time living with me and it's now worth 20% less than my mortgage, I bought at the peak, silly me :mad:. I'm not in arrears at all with my Northern Rock mortgage so things are not all bad, though all my unsecured debt is now in default unfortunately.

 

I want to pay HBoS back eventually (and all the others) but only the £8K I think they are entitled to (not £13.5K), and if I need to sell my property in 5 to 10 years time, I may need that money more urgently for my family rather than for HBoS shareholders, so I think a charge on my property would be inconvenient for me and unfair to my family situation, so I'd like to fight that in particular if possible.

 

Chinks in the HBoS armour are that they only had a signed Credit Card Application form from me dated 28th January 2004 and appear not to have a full signed contract with rates, terms and charges etc, so not sure of the agreement is enforceable.

 

Can anyone suggest anything I've missed and a route to make HBoS drop the case, and therefore the fly in the ointment charge on my property, accept a token payment whilst I'm unemployed and I'll up the monthly repayments as I come into more money over the next months and few years? Eventually within 10 years probably I'll pay the £8K off but you never know of course, or maybe it would be fairer to offer a settlement figure in a year or two, again if I have the cash.

 

Please comment and help as required and thanks to all readers and responders :-)

 

R (rapidone)

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Thank you cerberusalert :-)

 

That link about Charging Orders is very useful, on reading it I think because I have other large creditors, the house is in negative equity and I have kids living here, it appears that lovely HBoS will have a few hurdles to jump before I'm forced to hand over my front door keys :-) and force my ex-wife to look after my kids 24/7 :-)

 

One thing occurs to me now though... HBoS need a CCJ first, so is the agreement enforceable... Are there any basic points a creditor must have in a CCA regulated agreement to make it enforceable? Please note all BoS have was a signed Credit Card Application dated 28th January 2004 with the Halifax.

 

Please note I'm a big follower of Karma so I intend to pay HBoS back their justified £8K as and when I can afford it even if the agreement is unenforceable, but this threat of a house charging order by HBoS will not be giving me "a little extra help" keeping my family together.

 

So if anyone has time, a link or advice about enforceability would be most appreciated.

 

Thank you again cerberusalert that link was very helpful indeed :-) I will call their solicitor tomorrow and tell them the pitfalls they face with their charging order route and see what they say to my debt affordability plan.

 

R (rapidone)

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Thank you again cerberusalert that link was very helpful indeed :-) I will call their solicitor tomorrow and tell them the pitfalls they face with their charging order route and see what they say to my debt affordability plan.

 

Suggest you only deal with them via paperwork.

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