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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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      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.

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Credit Agreement Unenforcement Process - Clarified?


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Hi Guys,

 

I'm a bit perplexed with all the conflicting info on this and other forums. I'm Happy to make a generous donation if i can find all of this info in 1 place or links to the correct info all in 1 place for ease of use.

 

Do we have or can we put together an updated Process from start to finish for writing to credit card / credit companies with the goal of getting the debt unenforced or "written off" whatever the term is.

 

Please correct me and add more info where required, here is how i see the process / info required with my very limited knowledge.

 

 

1) Initial letter to be sent, wording and requests and what exactly are we requesting?

 

For example when i applied for my cards (used incidentally for a Sole Trader business) i applied mainly via phone or flyer application forms that you find in magazines. What would the response to my request be to this? Please cover this scenario.

 

2) Payment to be sent with initial letter.

 

*some posts say send £1 postal order with the letter and some say, £1 + £10?

 

 

3) Detail the time the credit company has to respond with the requested info before we need to respond or whatever step 2 is?

 

*some posts say they have 12 days, some say 21 and some say 30 days?

 

 

4) Subsequent steps when we get the required info enforceable by the credit company or unenforceable in our favour?

 

 

 

Thanks

Ian

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there are step by step instruction & FAQ's on the homepage

or use the search in the blue bar above.

 

CCA request is £1 and they must comply in 12+2 working days.

 

and SAR is the otherone that gets you all the paperwork/statements they have on you to assist in reclaiming unlawful charges/PPI if mis-sold. thats £10 per Co. & they have 40 calendar days.

 

dont get too drawn in by the rubbish of all these claims co's on the TV and the web.

an unenforceable CCA is not some magic bullets that instantly wipes debt away.

 

http://news.bbc.co.uk/1/hi/business/8393768.stm

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Don't forget this is a learning exercise and if you end up in court its' you that needs to be able to present the legal argument in your defence...so whilst an A-Z templated process sounds wonderful its ain't that easy as the DCAs break the rules and DJs don't understand them.

Live Life-Debt Free

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hi, can anyone help, i have exhausted every avenue trying to obtain a true copy of signed credit agreement from barcalycard, sent the £1 - never got a copy sent a subject access request £10 - never got a copy, but got all letters and statements and telephone records (no correspondance of sending my details to all 3rd party debt collectors and credit reference agencies) or a full explanantion of as to why they sent my details to 3rd partys as requested. debt collectors are still sending letters to inform me of doorstep calls to valuate my property for the taking even though i sent the appropriate letter stating under common law i withdraw the right for them to visit etc.. i have explained in writing these actions are unlawful as barclaycard have let the account into a default situation and have passed my details unlwafully and they are acting unlawfully on barclaycards behalf etc, but they are ignoring everything, but the debt collectors recently sent a letter stating that they have "great news" they will reduce the amount of debt if i contact them for a one time settlement offer !!! well since i have had unlawful charges and interest added since the account fell into a default situation they can JOG ON !!!! But is there anyone with any advice ? oh i have always stated in all correspondance to hte debt collectors that they should let a court of law deal with this and to inform me of the court date and time so that i can attend the hearing but i have never had any mention of this in any correspondance recieved from them just demands for payment. can anyone help me with this, thank you so much x

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hi, can anyone help, i have exhausted every avenue trying to obtain a true copy of signed credit agreement from barcalycard, sent the £1 - never got a copy sent a subject access request £10 - never got a copy, but got all letters and statements and telephone records (no correspondance of sending my details to all 3rd party debt collectors and credit reference agencies) or a full explanantion of as to why they sent my details to 3rd partys as requested. debt collectors are still sending letters to inform me of doorstep calls to valuate my property for the taking even though i sent the appropriate letter stating under common law i withdraw the right for them to visit etc.. i have explained in writing these actions are unlawful as barclaycard have let the account into a default situation and have passed my details unlwafully and they are acting unlawfully on barclaycards behalf etc, but they are ignoring everything, but the debt collectors recently sent a letter stating that they have "great news" they will reduce the amount of debt if i contact them for a one time settlement offer !!! well since i have had unlawful charges and interest added since the account fell into a default situation they can JOG ON !!!! But is there anyone with any advice ? oh i have always stated in all correspondance to hte debt collectors that they should let a court of law deal with this and to inform me of the court date and time so that i can attend the hearing but i have never had any mention of this in any correspondance recieved from them just demands for payment. can anyone help me with this, thank you so much x

 

 

you need to start YOUR OWN thread

 

not hi-jack someone elses.........

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

to dx100uk

i am so sorry i have annoyed you, i am new to this site and have obviously trodden on your toes. once again i apologise and thank you for your kind and nicley worded response, thank you so much for help, i hope no one helps you in the same way. jadey1972.

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to dx100uk

i am so sorry i have annoyed you, i am new to this site and have obviously trodden on your toes. once again i apologise and thank you for your kind and nicley worded response, thank you so much for help, i hope no one helps you in the same way. jadey1972.

 

:eek:

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...
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