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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.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

The First Steps


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Hey guys, first post here. I've just come across your site whilst googling round for some solutions.

 

Having read a few of your posts you all seem to know an awful lot about how to go about this sort of thing.

 

I owe Egg £5,928.71 on a credit card that was applied for probably in 1999 or there about (it's hard to recall).

 

I know I've been stupid and I feel totally sick I've spent that money on nothing.

 

Looking at the posts here I see it might be able to be classed as unlawful CCA or something?

 

What are the steps I need to go about setting this in motion?

 

I've read a few of the posts and am unsure about the steps to take.

 

I don't really feel capable to be dealing with collection agencies, if it is a bad CCA will Egg ever just accept that and right it off?

 

Thank you so much for giving me even the slightest glimmer of light at the end of a very long, black tunnel.

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I don't really feel capable to be dealing with collection agencies, if it is a bad CCA will Egg ever just accept that and right it off?

 

In my experience, no.

 

Egg will do everything within their power to get your money out of you.

 

If they do not have signed agreement (as appears in my case), the only way to get them to acknowledge this and to stop them enforcing the debt seems to be through the courts.

 

If you have one of the agreements that uses the the dubious 'Approved Limit' term and not the prescribed 'Credit limit' term then you may be able to get the agreement declared unenforceable, but again this will have to be acheived through the courts.

 

Others on here may have other opinions but i have found Egg will not simply write off the debt.

 

Edit: just realised, the above appears a bit negative, sorry, it's definately do-able but it will be a hard slog with Egg :)

Edited by Mr Fox
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Hi, BBG.

 

Who is dealing with your account now, do you have any idea what sort of amount has been added to the account in the way of charges.

When was the last time you made a payment to the account.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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@Mr Fox: No worries if it's negative or not, advice is advice so thanks :)

 

@Sam614: I will do shortly, thanks.

 

@Maroondevo52: At the moment Egg deal with my account and I make the minimum payment each month. I rarely miss a payment, about once a year, but it's always there, eating away at what money I have. It hangs like the Sword of Damacles.

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Hi,

 

There's a massive thread here that should interest you..........

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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After a lot of reading I have gone through that entire thread and it seems I should be going ahead with this.

 

I will post off a CCA Request letter on Monday. Do I need to to send them a £1 or £10 postal order? I see different figures around.

 

Also, I have moved out of my parents house 2 years ago (they still live there) but I haven't told Egg. Should I do this before I send my CCA Request? Will it hurt me in any way?

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at this time just send off a cca request

its a quid and get a postel order and send recorded delievery

 

will it hurt you to give your new address, now thats a question

 

on the cra files , you will be registered at your parents house,

tell them your new address will be fine as long as you have no debt skeletons lurking around

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Thanks for the info. I will get the postal order today.

 

What is a CRA?

 

Also can you define skeletons? I have 2 credit cards with debt on them and a loan with my bank.

 

The loan in under this address, as is the 2nd credit card with Barclays. It's just Egg that think I still live at my old address.

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Hi,

 

The CRA's are Credit Reference Agencies...........

 

The addresses of the credit reference agencies are:

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

Online Credit Report and Credit Check Services - Equifax

 

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0870 060 1414

Callcredit | Check your credit report direct from a UK credit reference agency

 

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

0844 481 8000

Check your credit report - Experian UK and Ireland - the information services company

 

These are the main 3.

 

Regarding the Skeletons, if Egg's the only one at the old address, you should be fine.

 

The fee is now £2.00.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

I think the crux of this lies in whether or not you own the property you now live in. If you do, in the highly unlikely case that Egg got a CCJ, a Charging Order could follow.

If you don't own the property no problem in letting them know I guess.

 

CRAs are Credit Reference Agencies such as Experian, they are agencies who hold information on how you handle credit, they get their info from creditors, for example if you default. This info can affect your ability to get future credit or a mortgage.

 

All the best.

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Ah that's ok. I rent the property. I will fill out the form/letter tomorrow and post it first thing.

 

I'll keep a running update of any developments here.

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Hey guys. I just have a couple of more questions before I send anything off.

 

If I find out that the CCA is unenforceable can I push for a small settlement or write off of the debt whilst still paying the minimum amount so as not to get in trouble with Egg or when they see what I'm doing will they just terminate my account?

Edited by BBG
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Hi,

 

Yes, If they can't come up with your agreement, this puts you in a good position to offer a Full and Final to get shot of the debt.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Great. In that case my plan is:

 

Send them this letter with a £2 postal order: (could you check I have changed the correct areas please?)

 

Dear Sir/Madam

 

Re:− Account/Reference Number MYNUMBER

 

This letter is a formal request pursuant to s.78(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £2.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

MY PRINTED NAME

 

Then when they come back, if it's unenforceable, I will carry on paying minimum payment and ask you guys how to go about a final settlement.

 

I hear Egg sometimes want proof of ID or a signature, what should I send?

 

Thanks :)

 

I feel so odd, sort of like this isn't happening, is happening and shouldn't be happening all at once.

Edited by BBG
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Hi,

 

Letter looks ok, the fee is only £1.00 for the CCA, it's £2.00 for the Credit Checks.

 

Regarding proof of ID, wait until they get back to you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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