Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

DCA's saying ' it ain't me gov' lets all feel sorry!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5399 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 81
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I can't help it, I'm laughing so much...I've only just got this...I'll probably be Cagbotted but enjoy this while you can...language is strong so no people under 18 or anyone who is offended by bad language.. I'm still laughing

 

Wonder if they'll play this on Channel 4 if it is Cabot... :grin:

 

 

 

YouTube - Cabot Towers - Uncle Ken Loses It

 

Sorry site team! LOL

 

 

Hilarious - I've not laughed so much in ages!! :D

Link to post
Share on other sites

What that one again. Sorry i have seen it b4 its just another version of a annoyed hitler think there are loads of them on there.

 

Anyway are we sure its the 20th and not the 10th as the dispatches advert in bold on the first post says

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

ok then i must just have miss understood this quote off andrews first post.

 

Dispatches to air debt collection exposé - 10/07/2009

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

I can't remember his name, but I hope that MP that branded them 'rotten to the core' is well aware of it. I'll be Sky+'in it for potential pleasure, but it's often the case they don't get all out I want said!

 

Martin Lewis V Angie (C4 too, I think) remains the best one so far...for me. He really gave her the finger on that one....she looked well displeased, to my pleasure.

Link to post
Share on other sites

oh rite.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Interesting quote from another forum i'm on (PC related) in reaction to a thread about the Dispatches program thats going out:

 

"I actually work for a finance company and to be honest the customer is always portrayed as the poor victim however that isnt always the case. I know people who go on 3 foreign holidays a year, 2 09 cars on the drive and house with all mod cons, try and get money out of them for loans they have signed after being made fully aware of the repayments and then suddenly its we can only afford to pay £1 a month even though they are still just about to jet off abroad again. I dont agree with sharp practice in trying to get money back but there are two sides to every story, shame is the only one that sells papers or gets tv viewers is the one that calls anyone who lends money the spawn of satan. I come from a background of if you borrow money you pay it back not you borrow money and do everything you can to wriggle out of paying it back."

 

Think that situation is far from the norm, but no doubt what these people tell themselves to justify harassing and intimidating people.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

BB i agree with u we have weekend trips to the familys houses a few miles down the road.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

I come from a background of if you borrow money you pay it back not you borrow money and do everything you can to wriggle out of paying it back."

 

 

You day will come sunshine.

 

David

 

PS: It is a mantra among credit underwriters that by far the biggest percentage of default is caused by one of the following: Illness, Death, Divorce and redundancy. It p*sses them off as you can,to an extent predict statistically but not by case.

Edited by cashins
Link to post
Share on other sites

'Wriggle out of paying debt'?

 

We borrow.....

 

We repay......,

 

When times are hard and we can't pay we get persecuted......

 

If a finance company persecute or they hand out persecution to a DCA then there are laws which need to be abided by....

 

If they break those laws....we don't pay

 

If they break those laws....they pay....

 

All we ask is they abide by the law......

 

If they don't.....

 

Don't blame us!

Link to post
Share on other sites

'Wriggle out of paying debt'?

 

We borrow.....

 

We repay......,

 

When times are hard and we can't pay we get persecuted......

 

If a finance company persecute or they hand out persecution to a DCA then there are laws which need to be abided by....

 

If they break those laws....we don't pay

 

If they break those laws....they pay....

 

All we ask is they abide by the law......

 

If they don't.....

 

Don't blame us for pointing out the laws they should have abided by!

 

 

A1

Link to post
Share on other sites

Interesting quote from another forum i'm on (PC related) in reaction to a thread about the Dispatches program thats going out:

 

"I actually work for a finance company and to be honest the customer is always portrayed as the poor victim however that isnt always the case. I know people who go on 3 foreign holidays a year, 2 09 cars on the drive and house with all mod cons, try and get money out of them for loans they have signed after being made fully aware of the repayments and then suddenly its we can only afford to pay £1 a month even though they are still just about to jet off abroad again. I dont agree with sharp practice in trying to get money back but there are two sides to every story, shame is the only one that sells papers or gets tv viewers is the one that calls anyone who lends money the spawn of satan. I come from a background of if you borrow money you pay it back not you borrow money and do everything you can to wriggle out of paying it back."

 

Think that situation is far from the norm, but no doubt what these people tell themselves to justify harassing and intimidating people.

 

Errrr, does the finance company employee also post on a certain other credit lending related forum? Perhaps their oblivion means they also missed the high profile Rankines who ended up with legal fees as high as their debts. Unfortunately some people will never understand the real life issues people do face through what is usually unexpected changes to circumstances, followed by a load of insults which does make people fight back with what the law does say which had the finance industry/DCA's been more sympathetic in the first instance would have resulted in a non the wiser consumer.

Link to post
Share on other sites

Always sticks in my mind that the very first letter I had from a particular DCA stated:

 

'We really do not understand why you don't pay this debt.'

 

It then went on to say:

 

'If you do not contact us within seven days we will:

 

Apply to the court for judgement against you resulting in your assets being sold and an attachment of earnings being made to make up any shortfall.

 

or

 

Apply for your bankruptcy with the same result.'

 

David

Link to post
Share on other sites

I think my first ever phone call was from MCS - HSBC threatcentre, This is your debt you will pay it, so why dont you get a family member or friend to help you out!! WTF:evil:

 

I assume you gave the same response as I did to that letter:eek::eek:

 

David

Link to post
Share on other sites

in the pre CAG days I was very head in sand, and believed every threat thrown at me - not anymore though:D, I just wish MCS still had the accounts, alas they are in the hands of ClueLess with a payment plan set up and working nicely, as long as ClueLess behave themselves

Link to post
Share on other sites

I can't remember his name, but I hope that MP that branded them 'rotten to the core' is well aware of it. I'll be Sky+'in it for potential pleasure, but it's often the case they don't get all out I want said!

 

Martin Lewis V Angie (C4 too, I think) remains the best one so far...for me. He really gave her the finger on that one....she looked well displeased, to my pleasure.

Thurrock MP Andrew Mackinlay

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...