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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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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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Mint Loan


Notty
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Hello - I wonder if anyone could advise what my next step should be. Unfortunately my business is in dire straights and I am unable to keep up the payments on an unsecured loan and MBNA credit card. I have sent the relevant letters and offered an amount of money left after paying priority bills. I have been sending Mint a weekly amount and MBNA. I have sent both of them the required expenditure form. Mint have today sent me the N1 claim form. Do I fill this in and offer the same as I did originally? I cannot understand why they did just not accept my original offer. Are they hoping to get a charge on my property? The MBNA letter also refuses my offer and says they will take legal action and get a charge on my property? Any help would be much appreciated. I a bit worried about the claim form as I have never had one before. Thanks again.

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You should fill in the N1 & defend, the case will be transferred to your local court. In the meantime send off a CCA request http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter and a SAR http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

The CCA request will show whether they have an enforceable agreement in place, if they don't you can use that as a defence. The SAR will provide information in respect of any unfair charges which may have been added which you can reclaim & use to apply to have their CCJ application set-aside.

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Have Mint previously sent you a Default Notice & Termination Notice?

If so can you scan them, remove personal details & post them up?

 

I'm going to ask a member of the site team to move this thread to the legal forum where it should get some specialized attention. ;)

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Hi Thank you for your help. The Mint loan was only from last year and I applied on line so I dont think I would get far with the cca. I am more than willing to pay them £50 a month which I have offered and have been paying for the last month. When you say they are after a fast track ccj what do you mean? Will the judge not realise I am trying to pay and accept the £50? Thanks again.

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When you say they are after a fast track ccj what do you mean? Will the judge not realise I am trying to pay and accept the £50? Thanks again.

I am assuming that they are hoping that you won't defend & win by default. If it does go to court a judge would look at your circumstances and after viewing an income & expenditure form which you would have supplied, he will then decide what you can reasonably afford to pay. The fact that you are making payments will be in your favour. Even if they manage to acquire a CCJ as long as you keep to the payments ordered by the court they cannot take any further action, but the main thing at the moment is to try and prevent them from obtaining a CCJ in the first place. ;)

 

Just to repeat my question above have Mint previously sent you a Default Notice & Termination Notice?

If so can you scan them, remove personal details & post them up?

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img143.jpg

img145.jpg

 

 

Hi Cerberusalert Have uploaded the default and notice to terminate the agreement. Should I fill in the N1 and offer them the monthly amount I can afford? I notice it goes to Mint (the offer) what if they turn it down again will the judge decide?

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Hi Notty

 

I just tried to PM you (about something which may be important) but your message storage quota is up to it's limit, you might like to clear some space and get back to me.

 

Cheers

Rob

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Hi Notty

 

Any chance you kept the envelope that the DN was delivered in? As it stands, dates/time wise, the DN has given you the requisite time to rectify providing it was posted First Class Royal Mail.

 

However, if it came by Second Class Royal Mail or some other mail service was used then the extra days for service would take the required 14 clear days to rectify past the date given.

 

Cheers

Rob

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Hi Robcag

No threw it away. Too tidy. You could always put them to strict proof that it was sent 1st class, failing which it would be assumed to have been sent 2nd class, thus giving 4 days for service and therefore not giving the required 14 days to rectify. How long do you normally have to reply to the N1 is it 14 days? If the claim has been issued through the Northampton bulk centre then you have 5+14 days from the date of issue to acknowledge service. Provided you ack before that deadline you then have a further 14 days to submit your defence. Giving you a total of 33 days from date of issue.

 

Cheers

Rob

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It looks like I will have to send the form back and admit to it and ask for time to pay. Is that the correct procedure? I know I will end up with a ccj but I cannot understand why they didnt just accept the offer I made to them. The court will not be able to award any more than what I have offered so it all seems pointless. The court has added on costs which could have gone to them to pay off the loan??

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Wait for advice from more experienced caggers before you admit to anything, Notty.

 

Sorry I don't have the legal expertise to advise, but I'm sure someone will be along soon - if not, you can click on the red triangle in the bottom left hand corner to alert the site team.

 

Best of luck to you:)

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Wait for advice from more experienced caggers before you admit to anything, Notty.

 

Sorry I don't have the legal expertise to advise, but I'm sure someone will be along soon - if not, you can click on the red triangle in the bottom left hand corner to alert the site team.

 

Best of luck to you:)

 

Excellent advice from UD13, just make sure you acknowledge the claim before the deadline, which will then give you a further 14 days to submit your defence, even if only a 'holding defence' if you are not in receipt of required documents requested. If the claim is from Northampton you can do all of this online, just make sure you opt to defend all of the claim, you can always retract that later if necessary.

 

Cheers

Rob

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Thanks underdog13. I am getting a bit worried as I have just read on debtline that a judge can order the full amount is paid and if you cant pay it (which I cant) then they could apply for a charging order and maybe make you sell your house. It is all very confusing and I am at a loss at what to do next.

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Thanks underdog13. I am getting a bit worried as I have just read on debtline that a judge can order the full amount is paid and if you cant pay it (which I cant) then they could apply for a charging order and maybe make you sell your house. It is all very confusing and I am at a loss at what to do next.

 

Well as you can't be sure that the DN was sent 1st class, and there's a good chance it wasn't, rather than give them the benefit of the doubt, challenge them to prove how it was sent. In the absence of proof that it was sent 1st class, it will be deemed to have been sent 2nd class, thereby not giving you the statutory 14 clear days to rectify and a good defence against the claim.

 

I would start with a CPR (31.??) request for further information (proof that a DN in accordance with ss 87,88 was sent, i.e a copy of the DN and proof of postage), together with any other relevant documentation you (or anyone else) can think of. You need to do this ASAP.

 

Sorry I can't help you with that as I'm rather busy on my own account but I'm sure someone else will be able to assist.

 

Cheers

Rob

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Thanks underdog13. I am getting a bit worried as I have just read on debtline that a judge can order the full amount is paid and if you cant pay it (which I cant) then they could apply for a charging order and maybe make you sell your house. It is all very confusing and I am at a loss at what to do next.

 

You're welcome, Notty:)

 

I can understand why you are worried, but I would be surprised if a judge was that unreasonable - worse case scenario, you present an income and expenditure form and the court decides what instalments you can afford to pay.

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After watching the channel 4 programme last night it hasn't done anything to calm my fears. I am very worried that they can put a charge on my house. If I send the CPR will they have to prove postage? Also if I admit and offer to pay them monthly, if the court agrees, will I have to attend the court? Someone on CAG said you always had to go to court? Can someone please advice me what is the best course of action. I am so worried I am not sleeping much and it makes it all seem worse.

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