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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dubious and unusual situation!


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Unusual situation here...... a lady came to me for help with an alleged debt. As it's statute barred I have simply advised her to send the statute barred template and contact OFT. I've also advised her to join CAG; she currently has no internet access so I asked if she'd be ok for me to post this thread in the meantime. Her experience got me thinking how this would pan out if it hadn't been statute barred.....

 

She applied for a loan 9 years ago for household improvements. She was accepted and signed for the loan. The day that she did this, her parents offered to lend her the money with no interest. She rang the loan company, and explained she no longer needed the loan. They put a hold on the funds being released to her but advised they needed her to cancel th loan in writing. She did so, and received a letter back acknowledging her letter and stating that the loan had been cancelled. She thought no more about it until approximately 1 year ago when she started to get letters from a DCA demanding repayment.

 

Correspondance went back and forth for a time, with this lady explaining that although she had applied for the loan and was accepted she had cancelled it and never received the funds. She explained that she had at the time receievd a letter from the company to confirm the loan was cancelled. However she made the error of admitting that she no longer had this correspondence. She asked for proof that she had received the money.

 

She received a copy of the CCA - and again insisted that although she accepted the loan she later cancelled it and did not receive the funds. The DCA told her on the phone (yes she made the mistake of ringing them too!) that all they needed to do was produce the CCA in court and she'd have to "pay up then, including court costs".

 

As it's statute barred, CCA or not they can't enforce this but I am pondering if it wasn't statute barred, how she could fight that - they have the CCA yes but she claims to have never received the funds as the loan was cancelled.

 

Any thoughts on this? I didn't think loans got cancelled - I had thought once the CCA was signed that would be it.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

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It's the creditor that has to prove the debt exists. I'd ask them to prove that the money was received, and they'll have a hard time doing so as they didn't release any funds.

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I agree, they might have a CCA but what about statements and repayments?

Edited by bigandyuk1
I must learn to speell

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

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Thanks folks. She's not happy to let it lie at the statute barring. She called me again today. She wants to take them to court for harassment (now she knows they hold so little power!)

 

I have advised her she should seek proper legal advise if her wish is to take that route. I bloody well hope she nails them. To be honest I was slightly doubting her story to begin with - I was frank about this to her - it's not my place to judge but it's something I have never come across before - it just seemed strange that this all creeped up on her at the "right time". Like banks only keeping records for seven years - the records for that period will likely be destroyed, ect. She also wouldn't name the OC or the DCA either. I'm a strong advocate that where a DCA has failed, get them nailed but I needed her to be completely honest or I might have given her the wrong advice. She did appear genuine it's just very strange!! (What's not strange about a DCA though, eh!)

 

She's hell bent on making them pay for harassing her and is determined to go further than a report to the OFT!!

 

I hope they do an audit trail that far back, or find something that a solicitor can and will use in a claim against them.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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  • 2 weeks later...

Even tho' this was an a/c from 9 years ago they should still have all the data which would include the transfer of any monies. They are required under the Data Protection Act & the Money Laundering Act to keep this information for a period of five years after the a/c is closed so a sar should throw up the info.

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I'd love to know how it pans out, I hope she gets back in touch. If she does I will ask again if I can post the result.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Subbing:wink:

 

Actually, no, I'm gonna throw my two penna worth in aswell:D

 

I understand the situation, but having thought about it a little, something is definitely fishy here, and quite possibly fraudulent :eek:

 

So a DCA is chasing her and saying that she owes money on a Loan that was never taken, so that would imply that the Bank sold a ficticious debt onto a DCA, thereby, the Bank would have received money from the sale of the debt aswell as money from their insurance!

 

I would think that needs alot further investigation by the FOS aswell as the OFT, plus a complaint to the bank in question and having them conduct an internal fraud investigation, it is definitley suspect8)

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ooooh this is GRIPPING stuff!! I sooo hope she comes back and lets me know the outcome

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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It says in the small print that you have 14 days cooling off period with all loans, so having the CCA isnt going to prove anything.

 

Good luck to her.

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Halifax Bank Claim filed and settled

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18/06/09

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