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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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Personal Finance: Can you go to prison over debt?


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Found this earlier, thought I might be interesting and informative reading

 

Personal Finance: Can you go to prison over debt?

 

 

 

24 July 2009

 

 

  1. Until the Consumer Credit Act 1974 (CCA), no specific law covered credit.
     
  2. The architect of the CCA – Lord Crowther – had all his recommendations approved except one – the appointment of a Credit Commissioner – which many believed he would eventually fill when his recommendations were put into place. The job of policing the CCA was given to the Office of Fair Trading instead.
     
  3. Despite extremely extensive regulations on credit advertising, not a single case was prosecuted using these regulations for over 25 years. And then the law was relaxed as the regulations were considered unworkable.
     
  4. Until 2005, gambling debts were unenforceable by law.
     
  5. The case law that defines what is meant by ‘extortionate lending’ found rates of 13% as ‘harsh and unconscionable’. And that was for someone lending to a person with an impaired history. Most credit cards now charge more than that.
     
  6. Debtor prisons were abolished in 1874, though non payment of rates and fines can still result in being banged up. Similarly, if someone obtains judgment against you and you fail to attend an ‘oral examination’, a warrant for your arrest, and imprisonment, can follow. Even today.
     
  7. If a lender does not ask sufficient questions about the financial circumstances of a prospective borrower, or lends knowing of potential difficulty in being able to repay, the debt can be brought before the court and ‘set aside’ – because the decision to lend is considered ‘injudicious’.
     
  8. Urgent legislation was enacted in 2004 to stem the tide of students declaring themselves bankrupt on graduation, and avoiding student loans. Over 1000 students used this loophole until the law changed such that student loans are no longer affected by bankruptcy.
     
  9. If a guarantor pays off a loan, they are entitled to any security held by the original lender, and have a perfect right to pursue the debt, just as if they had lent the money in the first place, using ancient ‘rights of subrogation’.
     
  10. The Child Support Agency has the ability to obtain a legal judgment against a person without going through any court process. Child Support Orders, as they are called, do not appear on credit files either.

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If a lender does not ask sufficient questions about the financial circumstances of a prospective borrower, or lends knowing of potential difficulty in being able to repay, the debt can be brought before the court and ‘set aside’ – because the decision to lend is considered ‘injudicious’.

 

-------

interesting bit

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If a lender does not ask sufficient questions about the financial circumstances of a prospective borrower, or lends knowing of potential difficulty in being able to repay, the debt can be brought before the court and ‘set aside’ – because the decision to lend is considered ‘injudicious’.

 

-------

interesting bit

 

I also found this particular section interesting.

 

Would be interesting to find out if this would actually work.

 

Companies such as Sharklycard constantly increasing your credit limit without checking if you have any ability to repay.

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Isn't this how most people get into debt in the first place alf? You've got a credit card already and another comes along to entice you, then another, then another. This is how we got caught. Insufficient checks on peoples means......or do they do it on purpose???

Sh**heads, the lot of them.

Banks are a neccesary evil.

jed

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  • 1 month later...

Hey Alfwithair im new to this site but needed some advice. i noticed your profile says something about JD Williams - No CCA...no idea what this means but i have racked up a big debt with them and wanted to know if there is any loopholes with them to get out of paying this debt? that sounds so bad but hopefully you see where i am coming from? if you could get back to me that would be a great help! many Thanks

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If a lender does not ask sufficient questions about the financial circumstances of a prospective borrower, or lends knowing of potential difficulty in being able to repay, the debt can be brought before the court and ‘set aside’ – because the decision to lend is considered ‘injudicious’.

 

 


Nice find

 

Might try that with my son's overdraft - given to him while he had a default on his credit file & an arrangement to repay...

 

If they had looked into it, they wouldn't be chasing him for his overdraft now!

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Hey Alfwithair im new to this site but needed some advice. i noticed your profile says something about JD Williams - No CCA...no idea what this means but i have racked up a big debt with them and wanted to know if there is any loopholes with them to get out of paying this debt? that sounds so bad but hopefully you see where i am coming from? if you could get back to me that would be a great help! many Thanks

 

Best to start a new thread and explain what the debt is etc then you would get the right guidance, but basically if it is a credit card / loan then you cca the dca to see if there is an enforceable agreement

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Found this earlier, thought I might be interesting and informative reading

 

Personal Finance: Can you go to prison over debt?

 

 

 

 

 

 

24 July 2009

 

 

 

 

 

  1. Until the Consumer Credit Act 1974 (CCA), no specific law covered credit.


  1. The architect of the CCA – Lord Crowther – had all his recommendations approved except one – the appointment of a Credit Commissioner – which many believed he would eventually fill when his recommendations were put into place. The job of policing the CCA was given to the Office of Fair Trading instead.

  2. Despite extremely extensive regulations on credit advertising, not a single case was prosecuted using these regulations for over 25 years. And then the law was relaxed as the regulations were considered unworkable.

  3. Until 2005, gambling debts were unenforceable by law.

  4. The case law that defines what is meant by ‘extortionate lending’ found rates of 13% as ‘harsh and unconscionable’. And that was for someone lending to a person with an impaired history. Most credit cards now charge more than that.

  5. Debtor prisons were abolished in 1874, though non payment of rates and fines can still result in being banged up. Similarly, if someone obtains judgment against you and you fail to attend an ‘oral examination’, a warrant for your arrest, and imprisonment, can follow. Even today.

  6. If a lender does not ask sufficient questions about the financial circumstances of a prospective borrower, or lends knowing of potential difficulty in being able to repay, the debt can be brought before the court and ‘set aside’ – because the decision to lend is considered ‘injudicious’.

  7. Urgent legislation was enacted in 2004 to stem the tide of students declaring themselves bankrupt on graduation, and avoiding student loans. Over 1000 students used this loophole until the law changed such that student loans are no longer affected by bankruptcy.

  8. If a guarantor pays off a loan, they are entitled to any security held by the original lender, and have a perfect right to pursue the debt, just as if they had lent the money in the first place, using ancient ‘rights of subrogation’.

  9. The Child Support Agency has the ability to obtain a legal judgment against a person without going through any court process. Child Support Orders, as they are called, do not appear on credit files either.

 

 

hi, can i ask are all these points in the consumer credit act. wondered if this was an argument i could try?? ( my thread is http://www.consumeractiongroup.co.uk/forum/lloyds-bank/220250-lloyds-irresponsible-lending-new-post.html)

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I find that particular paragraph interesting too. Personally, I was using credit cards to pay off other ones. A quick glance at my credit file would have told any fool that I was up to my neck in it, but not only was I able to get more credit cards, but the ones I already had kept increasing the balance.

 

There is no way that this could be considered anything other than 'injudicious'.

 

Regards to all.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It could be viewed as reckless lending!!!!

 

Well it's something I've always wondered about BB. At a time when I knew I was in deep trouble, credit card companies kept upping my limit which of course encouraged me to get in even deeper trouble. It's rebounded on most of them now, because I've stopped paying them for various reasons.

 

It would be a very interesting argument to take to court if ever I get there though.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I think you would need to find a very brave CC judge that would 'step out of line' and declare the lending policies of major banks and finance houses 'injudicious' -although everyone and their dog knows they were.

 

On 'extortionate lending' as I understand it, judges have given short shrift to company charging very high APR's ie 2-300% in some cases but I think the baove also applies to the normal credit card rates.

 

David

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Bear in mind though, Imprisonment for failing to attend oral examination is very rare, and it's NOT for the debt, it's imprisonment for contempt of Court.A little known fact is that Margaret Thatcher (may she rot in wherever she's going) wanted to bring debtors' prisons back

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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Margaret Thatcher wanted to bring debters prisons back! :eek:That is someting new i learnt! If that was the case over half the population would be in prison including the bankers! LOL

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Well it's something I've always wondered about BB. At a time when I knew I was in deep trouble, credit card companies kept upping my limit which of course encouraged me to get in even deeper trouble. It's rebounded on most of them now, because I've stopped paying them for various reasons.

 

It would be a very interesting argument to take to court if ever I get there though.

 

Regards.

 

Fred

Hi Fred

Exactly what happenend to me too:eek:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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A little known fact is that Margaret Thatcher (may she rot in wherever she's going) wanted to bring debtors' prisons back

 

I dont seem to be able to find anything to back this statement up !.

 

If it were to happen, it would certainly kick start building industry:)

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Hi CitB

I did a google on it but could not find it either! I wonder where Rameses got this info from?

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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I got hooked on Martin Lewis' credit card 'tarts' and bounced large balances around for a year at 0%. Then I ran out of CC companies to use and then missed a payment and rates of 4.9% and 12.9% for life got shot up to 30% and that's when the trouble started.

 

My OH is an alcoholic and used to make up absolute drivel on the application forms re his earnings 'just to see' and boom, a credit card with £5000 limit would land on the mat 2 days later :eek:

 

My unemployed 20-year old son has same initials and surname and address as me and as soon as he turned 18, the CC application forms starting coming in at the rate of 1 a day:eek: Luckily I got to the post before he did because I am damn sure he would have signed up for some!!!

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If it were to happen, it would certainly kick start building industry:)

 

Indeed, there would be precious few people left at liberty. Just the millionaires and the Royals rattling around with no-one to cater to their whims - they wouldn't survive on their own for a month:D Who'd put the toothpaste on their brushes, run their baths, help them dress, cook their breakfast?

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I had a trawl through some of those yesterday, and nowhere could I find that MT had suggested the reintroduction of debtor's prisons:???:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Indeed, there would be precious few people left at liberty. Just the millionaires and the Royals rattling around with no-one to cater to their whims - they wouldn't survive on their own for a month:D Who'd put the toothpaste on their brushes, run their baths, help them dress, cook their breakfast?

Wasn't it Marx who said, If a banker dies, nobody notices. If a farmer dies, people go hungry.

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