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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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Lloyds - Enforceable?


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Hi, would someone please be kind enough to take a look at this agreement and let me know if it's enforceable or not? I paid one of those "audit" companies:oops: and they have said it is, but I'm still not sure.

 

Thanks

 

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61 Signing of agreement

(1) A regulated agreement is not properly executed unless—

 

(a) a document in the prescribed form itself containing all the prescribed

terms and conforming to regulations under section 60(1) is signed in the

prescribed manner both by the debtor or hirer and by or on behalf of the

creditor or owner,

 

 

65 Consequences of improper execution

(1) An improperly -executed regulated agreement is enforceable against the debtor or hirer

on an order of the court only.

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This is only a small point - and I would suggest that you would need a very good solicitor or barrister to argue the point.

 

In the t&cs under "Your Payments", it says "See also 7" and under creidt limit it says "See also 5"

 

But where, or what, are 5 and 7?

 

An experienced solicitor would, I am sure make a strong case of this, but it can be much more difficult for a litigant in person to do this himself.

 

I'm jsut saying this as I think that you have a case but it does depend very much on very good advocacy - in other words, standing up in front of a judge and making the case.

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somthing stolen from pt

 

 

the case i refer to is Central Trust Plc V Spurway [2005] CCLR,where HHJ Overend states

 

24. In my judgment, the passages of Lord Nicholls’ speech cited by Mr Say persuade me that:

 

(a)The amount of credit must mean credit in its technical sense, and

(b)That although the use of the word “credit” is not prescribed, there should not be any confusion in the mind of the lay reader as to what the amount of credit is

 

Following HHJ Overend’s view, the agreement should make clear to the consumer, who is likely to be a lay man, what the credit limit is or how it will be determined. It is not possible to say with any certainty that the documents EGG have provided are clear, unambiguous or that a consumer would understand that the approved limit would be their credit limit.

 

so as a lay person where is the info

 

HOWEVER Mr SAY is a top lawyer

 

 

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Thank you all for your thoughts/comments. So it seems that this agreement is not quite as it should be but if (or when) I am taken to court about it it will be very hard for me to defend:eek:scarey! It seems that all I can do is wait until I receive court papers, is that right?

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Hi lilly white, I don't think I had a DN, there were some charges (I think) but no PPI. I think maybe I should do a SAR?

 

SCM have sent me another copy of the agreement today and saying that they are looking foward to receiving my payment plan to pevent legal action (I bet they are).

 

The problem I have now is that they know that the agreement has been "audited" by some supposed solicitors and I think they are testing the ground to see what the result of the audit was.:(

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Hi can anyone help on this please? I'm thinking of witing to Lloyds sols and calling their bluff, as they know I've had the agreement audited I might write and state that I now know it's improperly executed. Any suggestions please?:(

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Hi all, As I previously posted I had this agreement "audited" and although there were found to be a couple of discrepancies e.g., it is not signed by Lloyds and it does not contain a total amount for credit I am not really sure where to go with it now.

 

Sechiari, Clark & Mitchell - have written to me with another copy of the agreement to say that now I have received a copy of my application form they would like me to contact them with my repayment poposals (I haven't paid for over a year) to aviod legal action.

 

I have a gut feeling that this agreement is not enforceable but am really not sure what to do next. Do I write and tell them (although I don't really know what I'm talking about)or do I just keep quiet and see if they do actually issue court proceedings after all this time? Scary thought!!

 

Any advice or help would be great as I feel really stuck with this now.

 

Thanks

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well

 

i see that default charges are to be seen in a another document.

 

Did they charge you late fees etc. and did they add interest.

 

Also they say that they will send you cancellation notice in the post, did they

 

just something to think about.

 

the rate for cash withdrawals is % AND ALSO THEY ADD A HANDLING FEE IN %

 

Does the term for cash withdrawals include the handling fee or not.

 

 

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Hi Nick, it's just because of the way that things have gone since I first requested a copy of the CCA well over a year ago.

 

Lloyds went very quiet, they got SCM to write to me initially but then they went quiet, then different DCA's (who often just disapeared when asked to provide a CCA) etc. It's just dragged on and on and on.

 

Also I have an OD with Lloyds (up to limit) which hasn't been used or paid into for well over a year but I've heard nothing about it.

 

Something just makes me think that if Lloyds think they had a strong case here they would have started court proceedings by now, or at least have been hounding me more:confused:

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