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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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NO NAME DEBT COLLECTOR (For Barclaycard) SOLD TO LOWELLS/RED/HAMPTONS - NOW MUCK HALL /MERITFORCE


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Has been 18 months since I last heard anything about this account.

Feb 2008 it was with Moorcroft, disputed it with them as B/C no complied with CCA request, never heard from them or anybody else since

 

Full thread is here

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/114022-allianceone-dca-barclaycard-2.html

 

This morning I recieve an letter offering substancial discounts if I pay up in 10 days. Failure to do so may result in further collections action.

 

This letter contains; (copy shown below)

 

NO company name

NO companiy registered offices

NO company registration number

In fact nothing at all showing who the sender is other than a PO Box number, post code and phone number.

 

As luck would have it I know this postcode, it is BARCLAYCARD

Surely they are breaking some law or other by sending this kind of thing out?

 

NOnamecollections.jpg

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i'd report this, fella

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Right I will get a copy of this letter off to the OFT first thing Monday.

Would it be wise to black out the account number details before sending it or not?

 

Also would Companies House not be interested in this breach?

I seem to remember reading on here that company stationary had to contain certain information, I may be wrong, I usually am LOL

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Barclaycard

 

Customer Relationship Unit,

 

P.O Box 5402

 

Northampton

 

NN4 1ZR

 

I am well aware who has sent the letter. Is is the same address that sent the copy application form back in 2007, so I know its Barclayshark

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Illegible micro copy...

 

You can say that again, I just scanned it again as I have a better scanner than I did when it was originally copied.

 

I still comes out crap

 

Is still an application, they even say it is in their letter. (oh look at the address, I recognise that. LOL)

 

and is still unenforceable, so 5 grand discount or not, they will not be seeing a penny from me. LOL

 

BCagreement07-1.jpg

BCnov07-1.jpg

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  • 4 months later...

Well been nearly 6 months since heard anything about this account. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/114022-allianceone-dca-barclaycard.html

 

But look who has popped up this morning, our old freinds the Leeds Losers, who apparently have bought this duck egg.

 

Got their usual homemade notice of assignment

LowellsB-C12-09.jpg

and the begging letter in the same envelope as is their usual trait.

LowellB-C12-09begging.jpg

 

I have one question though. On their letter they state

Original address?

Should this be the address where the so called agreement was first taken out? Or the current one?

 

This had been through Mercers, Calders, Alliance One, Moorcroft, all have made the usual threats but failed to actually do anything, but not a suprise rearly based on what they class as a signed aggrement/application.

BCagreement07-1.jpg

 

Is there a new style 'Bemused' letter about yet quoting the more recent guidelines and regs?

 

Could have done without this bunch of clowns before xmas, so need a good letter to stop their roller coaster, till at least after the festivities.

 

Ta, Alf

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Maybe it would confuse enough if you wrote back and told them that you will not deal with any Company that seems to have disregard for the Guidelines issued by it's Governing Bodies :rolleyes:

 

CSA Code of Practice

 

1 General conduct

 

Each member shall act responsibly and with integrity in the day-to-day conduct of it's business. For example:

 

c) Comply with this Code of Practice and follow any guidance notes issued by the Board of the Association

d) Comply with debt collection guidance as published by the Office of Fair Trading from time to time

 

 

 

 

 

OFT Guidelines

 

Physical/psycological harassment

 

2.5 Putting pressure on debtors or third parties is considred to be oppressive

2.6 Examples of unfair practices are as follows:

b. Pressurising debtors to sell property, to raise funds by further borrowing or extend their borrowing

Let's face it if they can't obey the rules how can you trust them :D:p

Edited by Revenant
Changed things around a bit

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Is still an application, they even say it is in their letter.

 

But you signed it as an agreement regulated by the Consumer Credit Act. The heading on the top is largely irrelevant [de minimus in legal terms (too small to matter)] - it's what you signed that matters.

I would respectfully suggest that you pause for thought on this aspect. It is up to you whether to rely on this to dispute the matter. I wouldn't.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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If it was enforcable then one of the 4/5 companies that have already tried would have suceeded already.

I would let Lowell waste their time and money writing to me but I would not waste my time of money writing or calling them. As far as I am concerned when it gets to Lowell, the bottom of the DCA bin, you know its as unenforcable as they come.

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But you signed it as an agreement regulated by the Consumer Credit Act. The heading on the top is largely irrelevant [de minimus in legal terms (too small to matter)] - it's what you signed that matters.

I would respectfully suggest that you pause for thought on this aspect. It is up to you whether to rely on this to dispute the matter. I wouldn't.

 

So what are you saying here Palomino?

Even though it is an application form containing no prescibed terms whatsoever, because I have signed it its enforceable?

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The point Palomino is making is that a document that is titled 'Application Form' can be an agreement, provided that it contains all the prescribed terms and is properly executed. The title is a de minimis issue, that is, of little importance in legal terms.

 

In this case, it is the lack of prescribed terms that renders it unenforceable, and the title on top of the paper isn't worth bothering about.

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Tell lowell they have been sold a debt which is still in default with barclay's as a result of non complience of your cca request and qoute them consumer credit act 1974 section 78 subsection 6. Barclays can not sell the debt on whilst in default of your CCA request, neither can they or any other party persue you asking for payment. They are in breach of the consumer credit act 1974 section 78 subsection 6, as selling the debt is an attempt to enforce the debt as barclays will be well aware who they sell it to would pursue the debt and they would also be aware that they are selling it whilst they are still in default of the account themselves.

 

On a seperate note, you should have received a Default Notice from barclays, did you receive one? if not, then as they have sold the account without providing you with a valid default notice then they have committed an act of unlawful termination of contract and would be liable to pay you damages if you took them to court over it, of upto £1,000.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Have just checked for you Teaboy.

Default Notice was issued via Mercers on 5th April 2007, with a remedy date of 19th April 2007, Only 14 days, they have not allowed for service.

So presume that is invalid too.

mercersdefaultB-Cvisa.jpg

img049.jpg

 

Mercers continued to chase for payment after this date and continued to add interest and charges.

 

Formal Demand was eventually sent 20th August 2007 via AllianceOne Receivables Management Inc

 

Amount payable was some £492.68 more than the amount on the Default Notice. Strangely enough the amount Lowells claim is outstanding is £4 less the the Formal Demand, but I have paid nothing off it.

 

So does this change things in my favour?

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