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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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    • 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.

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Help please guys


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I am looking for some advice please.

 

I have massive credit card and loans bills, 56k in total :(

 

These have build up since I was 17 , and I now 28. I have always juggled the cards about, balance transfers etc and have had a good engineering job - where I have always, since I left school had plently of overtime and have been able to pay them. Most months I have always paid over the min payment until recently when overtime has stopped and my wages have halfed .

 

I have been reading through the forums past few nights and really need to try and sort something out now as even min payments are getting very hard.

 

This is what I have

 

egg - £14k - min payment £353

mint -£3700k - min payment £24

mbna £9400k - min payment £161

paypal £3000- min payment£92

virgin £7900-min payment £287

ge money loan £18k set payment £287

 

 

 

What I have done tonight, is used some templates I found on here..... one starting

 

 

 

" iam hoping you can help me. Regrettably I am unable to maintain my current monthly payments due to unforeseeable personal circumstances

 

 

 

Please can you freeze interest on my account and accept a token payment each month.

 

I do want to pay back my debt however require some assistance in doing so.

 

Please find enclosed a breakdown of my financial situation including my income expenditure and debts outstanding to current creditors. Also included is a pro-rata split of my available income amongst all my creditors. The following is the amount I can afford to pay each month.

 

Pro rata monthly payment £50

 

I would be very grateful if you would confirm your willingness to freeze interest and charges on the account. Also please confirm your acceptance of the repayment proposal along with details of the company I should make payments to, if this is different to the original lender.

 

If my financial circumstances improve, then I will of course inform you and increase my repayments accordingly. I look forward to hearing from you."

I have also requested cca in the same letter.

Is this the right thing to do? I have asked for a token payment for each for £50.

what will happen?

Thanks Chris

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I am looking for some advice please.

 

I have massive credit card and loans bills, 56k in total :(

 

These have build up since I was 17 , and I now 28. I have always juggled the cards about, balance transfers etc and have had a good engineering job - where I have always, since I left school had plently of overtime and have been able to pay them. Most months I have always paid over the min payment until recently when overtime has stopped and my wages have halfed .

 

I have been reading through the forums past few nights and really need to try and sort something out now as even min payments are getting very hard.

 

This is what I have

 

egg - £14k - min payment £353

mint -£3700k - min payment £24

mbna £9400k - min payment £161

paypal £3000- min payment£92

virgin £7900-min payment £287

ge money loan £18k set payment £287

 

 

 

What I have done tonight, is used some templates I found on here..... one starting

 

 

 

" iam hoping you can help me. Regrettably I am unable to maintain my current monthly payments due to unforeseeable personal circumstances

 

 

 

Please can you freeze interest on my account and accept a token payment each month.

 

I do want to pay back my debt however require some assistance in doing so.

 

Please find enclosed a breakdown of my financial situation including my income expenditure and debts outstanding to current creditors. Also included is a pro-rata split of my available income amongst all my creditors. The following is the amount I can afford to pay each month.

 

Pro rata monthly payment £50

 

I would be very grateful if you would confirm your willingness to freeze interest and charges on the account. Also please confirm your acceptance of the repayment proposal along with details of the company I should make payments to, if this is different to the original lender.

 

If my financial circumstances improve, then I will of course inform you and increase my repayments accordingly. I look forward to hearing from you."

 

 

 

I have also requested cca in the same letter.

 

 

 

 

 

Is this the right thing to do? I have asked for a token payment for each for £50.

 

 

what will happen?

 

 

Thanks Chris

 

Sending the above on its own wont achieve anything, its best if you approach them via a debt help company I contacted my cards after i had contacted Payplan, you'll find they will suddenly be a lot more helpfull...you'll need to fill in some sort of income & expenditure form first.

 

The card companies went from being unhelpful to freezing my interest my charges and accepting a minum amount each month.

 

Andy

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Sending the above on its own wont achieve anything, its best if you approach them via a debt help company I contacted my cards after i had contacted Payplan, you'll find they will suddenly be a lot more helpfull...you'll need to fill in some sort of income & expenditure form first.

 

The card companies went from being unhelpful to freezing my interest my charges and accepting a minum amount each month.

 

Andy

 

 

Hi Andy,

 

Yes the income&expenditure is also included in the letter, I did contact sterling green but after seeing some comments on here about I wasn't to sure

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About three months ago I set up a DMP throught the Consumer Credit Counselling Service (www.cccs.co.uk). The credit card companies contribute toward the running of this charity and are therefore far more compliant when the request comes from them.

 

I asked my bank First Direct for some understanding, which they refused point blank. I explained that I thought this was a contravention of the Banking Code, but they were not interested. As soon as I mentioned that I had contacted the CCCS they couldn't have been more helpfull.

 

People on here say that you can do it yourself but I think it is a good start to go through an organisation first. Your creditors are more likely to accept the terms on a low start basis. If you feel you want to, you can then negotiate yourself and set up arrangements yourself.

 

The DMP is working for me, as I am not really insolvent, like you I guess. Do a remedy online and see what it comes up with??

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I think you should look at the option of CCA ing them. You may have acounts here that are unenforcable. As you have had some of them for a long time some of the agreements may not even exist so you may be in a position to wipe some away.

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Hi

 

I'm inclined to agree with kurvaface, send £1.00 to each of them requesting your original signed agreement and wait to see what you get back. May be you will have a lucky break, if any of the agreements are unenforceable the debt is written off.

 

 

Good luck

 

 

Ang

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Hi

 

I'm inclined to agree with kurvaface, send £1.00 to each of them requesting your original signed agreement and wait to see what you get back. May be you will have a lucky break, if any of the agreements are unenforceable the debt is written off.

 

 

Good luck

 

 

Ang

 

Yep..I agree..Ive used the dual approach of CCAing them, most appear to be unenforceable AND also agreeing a plan via Payplan, for some reason the card companies will not accept any agreement just from you it has to be via one of the debt help companies, its easy enough..Payplan just emailed me some forms and i went from there. :)

 

Ive been made redundant and Im now only paying 2 of them £1 a month and another £7, as Im certain the CCA's are unenforceable if any of them get stroppy Ill send of a 'in dispute' letter and wont pay them anything.

 

Andy

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Is that all they sent you.

 

In my opinion it is not enforceable as there is No credit limit or signature.

 

IS MY AGREEMENT ENFORCEABLE( Via section 127(3) CCA1974)

PRESCRIBED TERMS FOR THE PURPOSES OF SECTIONS 61(1)(0) AND 127(3) OF THE

CONSUMER CREDIT ACT 1974 Taken from sced.6(1983/1553) regulations

(If you just want to find out, skip the bits in between the stars it’s just some extra information)

 

**What do we mean by unenforceable?

In the Consumer Credit Act section 127 there is a provision for making an agreement unenforceable if it does not contain certain pieces of information.

Subsections 1,2,3,4 state which pieces of information these are, and everything mentioned there must be included within the body of the agreement, if one is missing the agreement is unenforceable.

 

How does unenforceable differ from enforceable with a court order only?

When an agreement is unenforceable it means that the court or the judge cannot make a ruling on it. The court cannot make it enforceable.

When an agreement is enforceable only by ruling of the court it means that the agreement can be stopped by the debtor but the court has the power to re-instate it and allow the credit to continue to enforce.**

 

The Pescribed Terms are these

 

A Amount of credit

A term stating the amount of credit

 

B Repayments

A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-

(a) Number of repayments;

(b) Amount of repayments;

© Frequency and timing of repayments;

(d) Dates of repayments;

(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

 

C Rate of interest

A term stating the rate of interest to be applied to the credit issued under the agreement

D Credit limit

This may be a term or the manner in which it will be determined or that there is no credit limit.

--------------------------

 

Which of these applies to you depends on the type of agreement you have?

 

For a Running Account (credit card) agreement

 

BC and D Apply

 

 

For a Restricted Use Debtor Creditor Supplier

  • Where the dealer is the supplier and the creditor is the one providing the finance.
  • The money can only be used for the purpose it is given.
  • There is no interest on the purchase (the cash price is the same as the total price)
  • And there is no advance payment

A is applicable

 

For a fixed Sum Credit Agreement

A conventional credit agreement with none of the above restrictions

 

A and B apply

 

For a Hire Agreement

 

B is Applicable

 

This paper only covers section 127(3) of the Act agreements can also be unenforceable by contravention of sections 1 and4 this will be the subject of the next paper.

Please note that these Prescribed terms where not changed in any way by the 2004/1482 Ammendments although the form in which they appear on the agreement was. Subsection127(3) was repealed on the 6th of April 2007 so that unenforceability due to 127(3) will only apply to agreemens executed before that date.

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chris,

 

did you apply for this card online and on 31/12/2007?

 

Ida x

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bad news on this one.

 

It would be enroceable as doesn't need a sginature as was online agreement and because of date it was taken ( agreements post 2007 are not automatically unenforceable if some prescribed terms are unenforceable:

Update on Consumer Credit Act

 

link nicked from Cerb ;)

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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some advoce for offers of payment: you do not need to go thru a dmp you can do this yourself or use cccs or cab etc.

 

if you are making an offer of payment then try and include the first payment with it and just stick to your payment proposal

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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  • 3 weeks later...

Right, I only got back two of the five agreements ?

 

Anyway, this last few weeks I have been speaking to payplan and they have been very helpful . They are now putting it to my creditors that I can afford to pay £165 per month,

 

They told me to stop making payment and pay each one £5 or £10 as a token payment,

However, this last week or so I have been recieving letters from the creditors asking me to pay the min payments _ but they are now double on each one.

 

I am expecting a call from payplan tomorrow so they can run through the do's and don'ts with the creditors.

 

any advice from here?

 

thanks

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