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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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County Court Claim received MBNA\Restons


LB145
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Also - what do I do with the returned PO for £10 - take it and get my cash back? - I defiantely could do with that £10 today - midweek and the fridge is looking rather empty ;) - teenagers eat food quicker that I can unpack it!!!

 

If it wasn't made out to anyone then you can make it out to yourself and cash it - otherwise take it back to where you bought it and ask them to cancel & refund

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Hi Redfish - I was reading your thread last night - I think ours are similar - just Application Form!

 

Hi LB, trying to read through your thread today. Can you check...on your DN it refers to para 8 of your agreement (as it did in my DN) - in my 'agreement' there was no para 8, only paras 1 to 3 (incomplete because it states at the top that these are only paras 1 to 3, but no full copy of the terms given with the CCA). The para 8 can be found on the current terms and conditions - but as you have already noted I think, those current t&cs do not match the application form which mentions section 11 for data protection, and section 11 on the current t&cs are not about data protection. So it shows the current t&cs do not match the application form and the DN has no legitimacy deriving from the signed application form. They would have to produce the full terms for the original agreement, and it is very unlikely that they can, it is not normal to change the numbering of the terms like that, so they would have to produce original terms that also show how the numbering changed. They would get themselves tied up in nots.

 

I'm not sure, but it looks like this would invalidate the DN to say the least.

Edited by Redfish
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Hi LB, trying to read through your thread today. Can you check...on your DN it refers to para 8 of your agreement (as it did in my DN) - in my 'agreement' there was no para 8, only paras 1 to 3 (incomplete because it states at the top that these are only paras 1 to 3, but no full copy of the terms given with the CCA). The para 8 can be found on the current terms and conditions - but as you have already noted I think, those current t&cs do not match the application form which mentions section 11 for data protection, and section 11 on the current t&cs are not about data protection. So it shows the current t&cs do not match the application form and the DN has no legitimacy deriving from the signed application form. They would have to produce the full terms for the original agreement, and it is very unlikely that they can, it is not normal to change the numbering of the terms like that, so they would have to produce original terms that also show how the numbering changed. They would get themselves tied up in nots.

 

I'm not sure, but it looks like this would invalidate the DN to say the least.

 

 

Hi RedFish

 

My application Form (not Agreement:D) has a very small narrow strip on the resverse - small print rather hard to read - para 8 is about the interest and changes that can be made to it!

 

The typed Terms & Conditions supposedly at that time- Para 8 is about Debits, Credits

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/MBNAAplicationFormSide2July09.jpg

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Also - what do I do with the returned PO for £10 - take it and get my cash back? - I defiantely could do with that £10 today - midweek and the fridge is looking rather empty ;) - teenagers eat food quicker that I can unpack it!!!

 

If it wasn't made out to anyone then you can make it out to yourself and cash it - otherwise take it back to where you bought it and ask them to cancel & refund

 

you should have no problem getting a refund. You will need the receipt you obtained from teh post office when you purchased the Postal order and maybe even take the letter from MBNA saying they are returning it to you. :)

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Hi RedFish

 

My application Form (not Agreement:D) has a very small narrow strip on the resverse - small print rather hard to read - para 8 is about the interest and changes that can be made to it!

 

The typed Terms & Conditions supposedly at that time- Para 8 is about Debits, Credits

 

http://i713.photobucket.com/albums/ww132/Diamond40_photo/MBNAAplicationFormSide2July09.jpg

 

Great...so you have them by the short and curlies! Para 8 should be about paying arrears according to the DN, so the DN has no relation to your application form masquerading as an agreement. As for the typed T&Cs they can't be the ones at the time if they are numbered differently, the lenders would have to say how they related to your application form/agreement because they clearly don't.

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Received letter from Solicitors noting that I have filed a Defence, (the blue is my thoughts) Explaining to me that the "application form" is a dual purpose document, it is an application form when it is sent to you, upon the signatures of the parties, it becomes the Executed Credit Agreement -this application only has my signature it does not have a signature from any MBNA staff - would MBNA be one of the parties involved required to sign??

 

In paragraph 11 referring to Terms & Conditions that were on the reverse of the Credit Agreement. However the Terms and Conditions you have exhibited are not the ones that appeared on the reverse of the Credit Agreement and at no point did we say that they were - ?????

 

In Paragraph 22 you refer to a request made pursuant to S78 Consumer Credit Act 1974 and the response sent to you by the Claimant. Unfortunately our client has no record of having received your request. ???? So where did I get the response letters from???

 

They have also enclosed

1.Executed Credit Agreement (double sided) - again copy Application Form

 

2. Reconstitution (RECONSTRUCTION - I THINK) of original T&C's which applied to account

3.Trans log document of all transactions on account

 

The Credit Agreement fully complies with the provisions of the Consumer Credit Agreement Act 1974 and all Regulations made pursuant to it. The document is signed by the creditor and the debtor and contains all the required terms in the same document (where is the signature from the creditor?)

We do not beliece that you have an argueable defence in law to the claim issued agaisnt you , our instructions are therefore to make an application for Summary Judgement against you. The action will incur further cost, which will then be liable to pay. In order to avoid this, we invite you to withdraw your defence to these proceedings. Should you wish to do this, please confirm in writing within seven days.

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

Also rang the courts for an update and informed the clerk of the letter received - she told me that she cannot find file at present, was referred to a judge on the 8th April to send a copy of letter to the courts as I am waiting for directions from the courts and not from the solicitors

 

Thoughts needed!!!

Edited by LB145

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Do you have proof of them receiving your requests? Although, you have letters from them in response, it'll still help in shooting them down.

1.If your agreement is a dual purpose doc, then where does it state that on the document??

2.The CCA is clear on what constitutes an executed agreement, does this application meet those requirements? No? , then pick it apart.

3. OK so theyve sent you a reconstruction, but can you get the Court to order that the original is presented at court? that might make their sphincter clench a little:-|

4.If the 'agreement' theyve sent complies, as you say, where is their signature to fully execute said agreement?

5. the last bit is just to try and pressure you. have they sent this without prejudice?

 

Lastly, they dont cite why they think you do not have an arguable defence, I wonder why?

 

You could always write to them and invite them to discontinue because you dont think they have an arguable claim without the original documentary proof,

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Also, does this apply?

The OFT is clear that if a contract is unenforceable under sections 77-79, and that it is apparent to the creditor or owner, then not only must the creditor or owner not obtain judgement or take any of the steps listed in sections 76(1) and 87(1), it must not in any way mislead debtors or hirers, either by action or omission, into thinking that it will be able to obtain a judgement on a debt or to recover possession of goods or otherwise enforce any rights under the agreement.

Misleading debtors as to unenforceability is very likely to be seen as an unfair or improper business practice under the Act.

 

The creditor or owner should make it clear in communications to the debtor that the debt is in fact unenforceable. Failure to do so, where the creditor or owner is aware of unenforceability, would in the OFT’s view unfairly mislead the debtor by omission.

 

Unfair or improper business practices may form the basis for action by the OFT under the Act, including by licensing action or the imposition of formal requirements. In addition, to mislead debtors into making a payment may in certain circumstances amount to an unfair commercial practicelink3.gif under the Consumer Protection from Unfair Trading Regulations 2008."

 

What Im getting at here is, to go through what they are stating, If theyve based it on a law or statute, then go through the law to see if theyve omitted anything from it to suit their needs.

Im sure they will have, this can then be used against them as directly misleading you and the court.

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Hi Bazaar - no not sent without prejudice! - I have got to complete some urgent work tomorrow - so I will have a good look tomorrow. Thx for the input

 

-

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Received letter from Solicitors noting that I have filed a Defence, (the blue is my thoughts) Explaining to me that the "application form" is a dual purpose document, ( wish them luck with that one LB) it is an application form when it is sent to you, upon the signatures of the parties, it becomes the Executed Credit Agreement -this application only has my signature it does not have a signature from any MBNA staff - would MBNA be one of the parties involved required to sign?? ( for an application form to become an agreement, it needs to be set up as such. 2 places for 2 signatures. You can argue that this was never intended to become a REGULATED agreement) They need a bit of luck proving that the 2 were on the same document, if you defend robustly. Try using CPR 31.15 and demand to view the original document at a venue of their choice.

 

In paragraph 11 referring to Terms & Conditions that were on the reverse of the Credit Agreement. However the Terms and Conditions you have exhibited are not the ones that appeared on the reverse of the Credit Agreement and at no point did we say that they were - ????? ( they must be on the reverse????)

 

In Paragraph 22 you refer to a request made pursuant to S78 Consumer Credit Act 1974 and the response sent to you by the Claimant. Unfortunately our client has no record of having received your request. ???? So where did I get the response letters from??? ( Easy to bat off by being bemused by their clearly contradictory statement, as the OC has responded)

 

They have also enclosed

1.Executed Credit Agreement (double sided) - again copy Application Form ( tell them you do not beleive this document to be a copy of the original, again CPR 31.15. I WANT TO SEE IT)

 

2. Reconstitution (RECONSTRUCTION - I THINK) of original T&C's which applied to account

3.Trans log document of all transactions on account

 

The Credit Agreement fully complies with the provisions of the Consumer Credit Agreement Act 1974 and all Regulations made pursuant to it. The document is signed by the creditor and the debtor and contains all the required terms in the same document (where is the signature from the creditor?) ( That in fairness is a deminimis isuue as it can be signed by OC at any time, but there needs to be a provision for their sig)

 

We do not beliece that you have an argueable defence in law to the claim issued agaisnt you , our instructions are therefore to make an application for Summary Judgement against you. The action will incur further cost, which will then be liable to pay. In order to avoid this, we invite you to withdraw your defence to these proceedings. Should you wish to do this, please confirm in writing within seven days.

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

Also rang the courts for an update and informed the clerk of the letter received - she told me that she cannot find file at present, was referred to a judge on the 8th April to send a copy of letter to the courts as I am waiting for directions from the courts and not from the solicitors

 

Thoughts needed!!!

Just go back to them arguing their unacceptable doccument and issue a CPR 31.15 request.

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Just realised my 1st year anniversary of standing up against these muppets and requesting a copy of the CCA's (several accounts) has passed this week - I think I'll save the bubbly for the day that I can wave goodbye to them! :p

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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It was my 1st CAG birthday on the 20th LB, can't believe it!

 

Like you, I will hold off any celebrations for now. ;)

 

Dotty - I recall first going on another website and was so badly verbally attacked for even suggesting that I seek as to whether they were unenforceable and a kind person suggested CAG - so glad for that pointer!!!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Just go back to them arguing their unacceptable doccument and issue a CPR 31.15 request.

 

So do you suggest writing to them direct although I am waiting on directions from the courts and how do I issue the CPR 31.15 request - is this a letter or a document from the courts?

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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The clerk at the court suggested I send a copy of the letter to them - who do I address the covering letter and does the copy of their letter need a cover?

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Hi emandcole - good to hear from you!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Just got of the telephone to Royal Mail Customer Service - they have anew system so it was abit long winded but they have 100% confirmed that MBNA DID receive my original CCA request on 16th April 2009 - I have to send a payment of £2.20 and they will send written confirmation.

 

To all fellow Caggers - When checking whether your recorded or special delivery items have been posted remember to print the screen that shows this - saving £2.20 in the future and lots of time!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Still hunting CPR 31.15 template letter - search and get other threads and then I start reading them and getting side tracked

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Cheers Dotty!

 

So am I write in thinking that the CPR 31.15 is about photocoping costs that are a result of the CPR 31.14 request.? Sorry getting confused as to what I am needing to request. Previously requested the CPR 31.14 information.???

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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So do you suggest writing to them direct although I am waiting on directions from the courts and how do I issue the CPR 31.15 request - is this a letter or a document from the courts?

Hi LB,

 

Yes, you send the letter to the claimants solicitors, copy to the court.

 

Dear Sir,

 

Rexxxxxxxxxxxxxx v xxxxxxxxxxxxxx Case No: xxxxxxxxxxxxxxx

CPR 31.15 Request

Further to the above case number, I have sought a copy of the original agreement that you mention in your POC. Despite numerous requests under CPR 31.14, you have failed to supply this document, supplying only a one sided application form and a truncated section of terms.

Both of the documents that you have supplied are inadequate and illegible, obviously being unfit for the purpose of my defending your claim.

In an attempt to again resolve this issue, I now require sight of the original executed agreement, as I am allowed to do under CPR 31.15.

You will note that under this rule, you must allow me inspection or the original document within 7 days of the date of this letter.

 

I look forward to your urgent response.

 

Yours faithfully

c.c. Northampton County Court Manager.

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