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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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interet rate hike to 34.9%


ever21
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Hi,

Can anyone advise me on what i can do about my interest rate being increased to 34.9%. I have not defaulted or even missed a payment. I have been trying to pay this extortionate amount since dec08, but now i feel that it is getting too much for me now.

And to make matters worse, 2 of my other acounts have been increased to 34.9%.

I checked my credit file, and it comes up as poor, not due to any missed payments, but the amount of available and unused credit that i have.

So:

1) i tried to set up a 0% interest account but was refused due to my poor credit rate.

2)so tried a loan, to cover these cards, but was also refused.

I applied for the loan with a company i had previously used with no issues, and paid off in full at the end of the term.

 

I am trying with my bank to see if they will issue me a card/loan to cover the credit card debt,so i can reduce the interest to a more managable level, but not holding too much hope for this due to the other refusals.

I phoned the credit card company and asked them to reduce my rate, and they said no.

They offered me a loan with one of their companies, but i declined this offer, as i would expect they would benefit from the loan application, and my credit rate would deteriorate further.

My thoughts would be to:

a) write to them and ask them to reduce the interest rate.

b)From their response, write to financial ombudsman with my complaint.

 

Does anyone have any experience with my problem?

 

Thanks

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Hello ever21

 

You are not alone. Let me guess MBNA?? If it is get ready for the ride of your life, but don't worry help is always at hand and the people on here are a good lot and really do no what they are doing and talking about.

 

As for you credit rating, I wouldn't worry about that either as I bet 90% of the UK has their credit record shot to pieces. Notice how many times a day Experian are on the TV? Never used to be that way until the banks messed up. Anyway that's another story for another time.

 

How long have you had the card?

 

Have you sent them a CCA request?

 

If not start off by sending them this. Do not sign it and send a postal order for £1 and make sure you send it recorded delivery.

 

You can write to FOS, but they won't entertain you until you have tried to sort it with the card issuer, and writing to MBNA or whoever it is will get you nowhere whatsoever. Trust me on that one. Been there tried that and got the t-shirt and they really couldn't give a t*ss about you or your problems it's all about the money.

 

Account No: **** **** **** ****

 

Dear Sir/Madam

 

With reference to the above agreement, I would be grateful if you would send me a true copy of this credit agreement and a full breakdown of the account including any interest or charges applied. I understand that under the Consumer Credit Act 1974 [sections 77-79], I am entitled to receive a copy of any credit agreement and a statement of account on request. I enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

 

I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

 

I look forward to hearing from you.

 

 

Yours sincerely

 

 

 

 

Thanks

 

 

Scrapper Coco :cool:

Edited by Scrapper

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Hi Scrapper,

Thanks for your reply.

I have had the account in question for a good few years now, pre-2004, as i recently found an old statement. it is a virgin card-mbna.

I had 3 accounts under the mbnas umbrella, but as one had no balance, they closed it, and left me with the other 2 at 34.9%, my balances are in total around 8k so not able to clear them in one hit!

I will get the letter typed and ready for monday and to get a postal order. I am totally fed up with it, but have been scraping money together for the last 12 months, but not really able to manage the extra now, as indeed it has a snowball effect!

cheers

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Hiya

 

We have all been there, but whatever you do dont worry about any of it. It may seem to get on top of you and you might want to throw the towel in, but never give up.

 

You have rights remember that.

 

I had the same issue when I lost my job, but the mistake I made was telling them even though I could still make the monthly payments. The next thing I know my interest rate had jumped from 15.9% - 34.9% just like yours and I had never missed a payment ever.

 

They are supposed to act in you best interest and not treat you unfairly. Taking that into account and with interest rates falling since 02 they aren't treating you fairly and deserve whats coming to them.

 

Anyway send off the first letter and await their responce. If you don;t here back within the time frame required post it on here and I will supply you with the next letter to send them.

 

I won't post it now as your start getting confused.

 

If you have any other questions just post them on here and either I or someone will be along to give you advice.

 

Remember chin up it isn't as bad as you may think.

 

Thanks

 

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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What you have just said surprises me, as i was on maternity leave when this escalated! which i thought was a bit strange!

I helped my friend out last year with the help of CAG, so will now be looking after my own interests now!

Will get the letter done, and start with the CCA request.

Thanks

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This is what happened

 

No sooner had I put the phone down I had letter drop through the door advising me that due to my circumstances and something about risk assessment they where putting up my interest rate. MBNA 15.9% - 36.9 .

 

What sort of moron thinks that if someone is having financial problems it's a good idea to increase their interest rate by nearly 60%

 

And they wonder why people are trying everything in the laws power to tell them to go do one.

 

Someone at MBNA needs there head testing

 

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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If you're not going to be using the cards again write to the sharks and tell them you do not accept the increase and it will be left at the current level.

 

You can only do this if you're not going to use the cards again.

 

Best of luck.

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just a thought...

I'm not sure but doesn't a "contract" have to have an agreed interest rate?

I have read somewhere that it becomes Null and Void if it's not fixed.

law as opposed to legal.

otherwise, they could put it up to 1000% if they so desired and the debt would/could never be paid off.

 

I can't remember where I read something ..I'll have a trawl and try find it...unless anyone on here knows something along those lines...

It's about each and ever one the terms and conditions being discussed and understood/agreed about by both parties to make a contract binding.

then one party can't take advantage of the other..

common sense really.

If my advice helped you please click my star

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just a thought...

I'm not sure but doesn't a "contract" have to have an agreed interest rate?

I have read somewhere that it becomes Null and Void if it's not fixed.

law as opposed to legal.

otherwise, they could put it up to 1000% if they so desired and the debt would/could never be paid off.

 

I can't remember where I read something ..I'll have a trawl and try find it...unless anyone on here knows something along those lines...

It's about each and ever one the terms and conditions being discussed and understood/agreed about by both parties to make a contract binding.

then one party can't take advantage of the other..

common sense really.

 

 

The 'contract' you refer to is the Credit Card Agreement (or CCA) this is why the posts above refer to writing to MBNA and requesting the CCA.

 

If the agreement is faulty or cant be found then the debt isnt 'null and void' but may well be 'enenforceable'.

 

Youll find that if the agreement does exist it will no doubt have a clause pointing out that the APR can be changed (this is why most CC companies raise the APR).

 

In reality (assuming a valid CCA) there is prob no legal reason to stop them raising the APR to 1000% !

 

Andy

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  • 3 weeks later...

I have not used my credit card since May. They gave me the option of closing my account and maintaining my interest rate at 34.9% or carrying on at 35%? So kind of stuffed really.

I would like to see my original credit agreement, as i am sure that i would not have signed up to a card with typical apr of 34.9%.

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I have not used my credit card since May. They gave me the option of closing my account and maintaining my interest rate at 34.9% or carrying on at 35%? So kind of stuffed really.

I would like to see my original credit agreement, as i am sure that i would not have signed up to a card with typical apr of 34.9%.

 

Clearly you wouldnt of signed up to a card with 34.9APR BUT the CCA (assuming it arrives) will prob have a clause allowing them to raise it whenever they like.

 

I do believe new legislation or guidelines are on the way to stop card companies rasing it to stupid levels or at least they must offer youy a good explantion.

 

I had the same problem with Egg, this forced me to this site, start using CCA requests and also contacting Payplan, this resulted in my account interest being frozen and a token payment of £10 and then £1 being agreed, Egg have since sold it onto Apex, the end result is now that Egg are getting nothing off me !..if they had left the apr alone then none of this would of happened...idiots !! :)

 

Andy

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  • 1 month later...

Hi,

I have one cca reply, and have attached it for advice. please can you let me know if this is all correct and as it should be.

Thanks

ever21

Edited by ever21
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Hi, i just received my cca in the post. It is my original application form for the credit card facility. is this what i need? any help would be good, thanks

Edited by ever21
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i have read the base section of the cca, and it says:

Before you sign the agreement you must read condition 11 in the terms & conditions provided.

It says its about recording personal information etc.

On the 2nd page it does not have a term 11, but a 1.1 which relates to if i decipher it properly, financial and related particulars-not clear at all!

Would this constitute a fully compliant CCa?

Thanks

ever21

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hi,

i have requested my cca from mbna/virgin as my interest rate has been increased to unmanageable levels.

could someone let me know if this is enforceable?

I have been reading the threads, but getting confused now.

thanks

page1virgin.jpg

virginbackpage.jpg

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you need to post this in the MBNA forum

your scan need a higher resolution.

 

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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