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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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      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.

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Voluntarily Surrendered my home.....


Lou7477
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Hi all

 

I'm new to this but in Jan 2008, I was made redundant from a £31k a year job (in the mortgage industry) and couldn't get another of that level locally. I have 2 boys under 7 and local jobs were a must, no way could I commute to larger cities.

 

The lovely people I spent over 7 years working for didn't pay my final salary, notice or redundancy money, it would have been over £7k in all. I took them to court and got £4k (including over £700 in court expenses) but it was too little too late.

 

To cut a long story short, I took an admin job at £15k per year just to have some cash coming in, sold my BMW and bought a crappy old banger, borrowed from my mum and dad just to keep our home until one day it dawned on us both that it had all been pointless. We were in negative equity too by the way so couldn't sell as Northern Rock wanted more than the house was worth to clear the land registry (or something like that)

 

I would probably never again find a local job that paid so well :sad: so once our possessions had been sold and the £'s pumped into the mortgage...what next?

 

It took a lot for me to admit defeat, I'd wanted a big house with lots of space ever since I can remember. The kids were happy there. It was decided between my husband and myself that we needed to cut our losses (what a waste of money too, selling our stuff and kind of 'wasting' it - gutted!)

 

To afford deposits and rent a home we had to stop paying everyone except the council tax and utilities. This was very hard as we always were so good at paying our debts on time. In August 2008 we'd saved enough for a deposit on a bungalow with a lovely back garden and allotment area. So we moved and I cried :Cry:

 

Our house was worth £239,950 when we bought it in October 2005, Northern Rock sold it in December 2008 for just £163,000. Someone has a 5 bed bargain there! I had to ring Northern Rock in Jan 09 to make sure it had sold, they didn't let me know at all. I spotted the sold sign outside one day.

 

Since then, I have had a completion statement from them (not a detailed one either) and nothing else. I am obviously liable for the difference in the amount borrowed and the amount they sold the house for so why aren' t they after me?

 

Not that I mind being left alone, the other wolves are beating my door down all by themselves but I just wondered what to expect next?

Any clues would be good (if you know what happens in such situations). They know I will never afford to pay them off, once they begin hounding me i'll just have to go bankrupt, cash is so tight right now (down side of having an old banger I guess, it keeps needing fixing :mad:) my other half works but overtime/bonus is now none existent so we just about manage with the rent and utilities in the rented house. I am happier here, no huge mortgage is a good thing BUT I want my own house, a place where the decor is my choice etc. I feel at a loss right now, sort of in financial limbo!

 

Sorry for waffling, thanks for reading. Like i say any advice would we great.

Lou

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You have enough on your plate, try not worry about what has not happened.

 

Be positive, they may never come after you for the difference. As they are now nationalised, they may take a different approach.

If I have been helpful please click on my star and add a comment.

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I know, you're right. Keep everything crossed and I might not ever hear from them again. Just felt like a moan, it's not been a good week and I'm feeling a bit cheesed today :o

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Hi, as Guido says try not to worry too much. If they do come after you for the shortfall you will need to make them prove they have followed all the correct procedures for marketing and selling of your property - especially if you know it has been undersold. If there are any irregularities in the way they handled the sale then the ball will be in your court not theirs.

 

Anyway, for the time being, try and relax in your new surroundings and tackle each debt as and when they surface. You will get all the help and support you need on these forums as there are many others who have been/are in your position. The wealth of experience of other posters will help you through.

 

Stay positive :)

 

Ell-enn

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you Ell-enn

To be honest just writing all this down helped me feel better.

 

We aren't doing so badly with the 'other' debts (and there are many). So far I've cleared an old Electricity bill and half a gas bill (at my own pace not at the pace EON wanted) and I've begun paying off a large water bill (again got them to agree to my amount not the huge figure they wanted each month)

 

Littlewoods have just caught up with me and but they've sold on my debt. I sent a CCA request to the DCA and they say Littlewoods haven't responded within the 12 days, maybe they can't find it? This means the DCA can't do anything to me (they wanted huge amounts each month too) :)

 

I hate being in this position, it's all a new experience and one I never want to repeat once it's over!

 

Thanks again for taking the time to post back.

Lou

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  • 2 months later...

Lou,

 

Exactly the same happened to me. Fortunately (for me) I'm about 3 years further down the line. Abbey sold my house for £170k in 2006 when it was up for £200k.

 

I complained re the low price via Financial Ombudsman but no joy. You may have luck though as yours was a bigger reduction.

 

The 2nd charge on my property was with GE Money. They waited a year before asking me for the £10k shortfall. Eventually I started paying £50 per month.

I noted on my credit file last month that the settlement figure shot down from £9500 to £700. I asked them for one in writing and they sent a letter saying it was £600 but to call them for an offer. I called offered £300 and they accepted. I paid, no questions asked!

 

Your luck changes all the time. 3 years on. I have no debt, no credit cards and have built up some modest savings. I can't get a very good mortgage rate for another few years but when I can I'll be a lot wiser!

In your case Northern Rock may never even contact you so I wouldn't start chasing them.

Hang on in there though!!

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