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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi everybody, please be gentle with me, I'm new to all this!

 

My partner has recieved a letter from a debt collection agency today (connect/mackenziehall) stating that they have been instructed by their client to recover an outstanding balance of £2862.46. The pursuers of the debt are Cabot Financial (Europe) Ltd and the original creditor is Barclaycard. My partner phoned them to find out what the debt related to and was told that the balance was outstanding on a Barclaycard from 1998, although she does not ever recall having a Barclaycard and as she has had 2 different mortgages from different lenders since 2002 and this debt did not appear on any searches relating to her credit status during the process of applying for these, she is quite distressed. The DCA were very forceful with her on the phone, insisting on immediate payment and basically threatening that further action would be taken if she did not pay immediately - something she is not in a financial position to do and also not willing to do as this is the first time she has heard about this alleged debt. Barclaycard themselves were of no help when she phoned to ask them about the card which she does not recall ever having - after going round in circles on an automated anserwing service, their customer services department would not release any information as she could not remember the exact address she was living at 12 years ago!!! Any advice on how to proceed with this to get it resolved would be much appreciated.

 

Thanks

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Hi and welcome and calm down, any debt from this long ago is most assurdley statute barred.

 

what you need to do is to stop calling anybody, and reply by letter sent recorded asking for proof of debt and that is that, if they send anything then come back and show us, we need a good laugh

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Once again, thanks!!!!

 

That is all ready to send tomorrow - how long do they have to respond to that letter? Sorry for all the questions but these sort of things get me really riled up and my partner is beside herself with worry

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Hi

 

Standard rules for dealing with DCA's

 

1. No calls. Not ever. If they call you, hang up. If they call again, hang up again. (This seems rude but you already know how they are on the phone).

 

2. Written communications only as this leaves a paper trail that can be produced in court to your advantage. Never sign your correspondence. Usually send it recorded delivery and check the GPO track and trace website to ensure it has been delivered and print off or save the screen).

 

3. Keep all correspondence including envelops which you can staple to the letter you have received. (This because it can be useful to check type of post and post dates for certain types of correspondence).

 

Sounds like this debt, if it ever existed was last featured on Jurassic Park and would be totally unenforceable due to age, unless you made a payment on it in the last six years).

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They have 12 plus 2 days.

 

After that they can not pursue you for the debt until they produce the required document.

 

At the 12 plus 2 day point you can choose to do nothing or send them another template letter putting the account in dispute.

 

Please post back here with any results and cease worrying.

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the above timings are for a cca request, for a prove it letter as long a they want, they have to prove a debt exists.

 

whatever you do, do not make an offer of payment or put in writing any admission of this alledge debt.

 

if you can remember what it is, can you hazard a guess at the last time you may have made a payment

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Thread moved to Debt Collectors Forum.

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

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PGH7447,

 

My partner is unaware of ever owning a Barclaycard which is what this alleged debt relates to. She is adamant that she has never had any communication from anybody relating to it and has therefore never made any payments towards it. When she phoned the DCA immediately after recieving the letter she told them that she had no idea what it was for and they did everything in their power to convince her that she had to pay it despite this. They were very agressive, insisting that she declared her monthly income/outgoings so that they could work out a payment plan. They even went on to demand my income details (which she refused to give) as they said that they would count towards how the debt would be repaid. She came off the phone in tears after the very rude woman she was speaking to basically told her she didn't care that she knew nothing of the alleged debt and that it didn't matter to her if it could be repaid - just that it would be!!!

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Send the prove it letter as advised, the onus is on them to prove a debt exists and they have the right to collect it. The beauty of this situation is if it's nothing to do with your partner and they send someone else's agreement they will be in breach of the Data Protection Act and can be reported to the ico who have the power to fine them.

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THEY ARE LEGALLY WRONG FOR ASKING YOU AS U R NOT THE ALLEGED DEBTOR AND TELLING YOU WHAT IT IS ALL ABOUT GOES AGAINST THE DISCLOSURE OF CREDIT INFORMATION ACT

mE I WOULD JUST LAUGH NOT TAKE THE CALLS AND TREAT IT AS A [problem]

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Sent the prove it letter and had a reply entitled final response, the contents of which include:

 

'I note that you dispute the account being owed by yourself, but I would draw your attention to the call made to our offices on the 25th February 2010, the same date as your letter, where you admitted liability for this debt and indeed made an offer of repayment.

As such we do not consider this account to be disputed and we cannot in light of the call made to our offices consider you not liable for the balance owed. However, I will place this account on hold awaiting your comments.'

 

They have then enclosed a leaflet about the Financial Ombudsman Service and stated that they should be contacted within 6 months from the date of their letter.

 

As my partner telephoned them to ask what the alleged debt related to and did not admit liabilty for it in writing and has not made any payments towards it, what should the next course of action be?

 

Thanks in advance

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Sent the prove it letter and had a reply entitled final response, the contents of which include:

 

'I note that you dispute the account being owed by yourself, but I would draw your attention to the call made to our offices on the 25th February 2010, the same date as your letter, where you admitted liability for this debt and indeed made an offer of repayment.

As such we do not consider this account to be disputed and we cannot in light of the call made to our offices consider you not liable for the balance owed. However, I will place this account on hold awaiting your comments.'

 

They have then enclosed a leaflet about the Financial Ombudsman Service and stated that they should be contacted within 6 months from the date of their letter.

 

As my partner telephoned them to ask what the alleged debt related to and did not admit liabilty for it in writing and has not made any payments towards it, what should the next course of action be?

 

Thanks in advance

 

It doesnt matter how many times they were phoned up & what offers were or were not offered...they are just trying to confuse/intimidate you.

If its stat barred then its stat barred = end of.

If they dont stop harrassing you then report them to the OFT/trading standards & the FO.

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Hi

 

This is one of the reasons for not ever calling them or speaking to them on the telephone, as they say you said something and you say you didn't and the whole thing is unproductive for you.

 

They probably record the calls so whatever was said, only they have the evidence.

 

As of right now you say you did not acknowledge the debt and they say that you did.

 

The onus is still on them to prove the debt. If the conversation did take place as they say it did then they should be able to reproduce the recording. (though I bet they wont).

 

I think as you now stand they have not proved the debt and this is not their final response, though their letter is trying to scare you into thinking it is.

 

If it was me I would just ignore it until such time as they provide material proof of the debt if such exists, or the recording of the conversation, if such exists. I would not dignify their communication with any sort of reply.

 

However, you said this was part of their response. What was the rest of the response? Is it safe to assume it had nothing substantial by way of any proof?

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The rest of the response was just giving the details of the card number to which the alleged debt relates and the date that it went into default (December 1998). Strangely though, this letter arrived today with the same date on it as one which arrived yesterday stating that the account had been put on hold pending investigation.

 

If they were able to produce a recording of the conversation and my partner had made any admission to knowing about the debt (she is adamant that she didn't as she did not have the card to which it relates), is this as good for them as written acknowledgement? Just want to be sure of all my facts!!! Whatever happens, this is the first she has ever heard of it and has definitely never made any payments towards the card that they have detailed

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1. From what you say you don't have to worry about any recording they might produce.

 

2. Did they say they were recording the call at any point in the process of the call? If not they cannot produce it as evidence.

 

In the unlikely event that this becomes something they wish to rely on in the future you should be able to obtain the recording from them as it will be part of the evidence they are producing.

 

Biggest lesson here: Never talk to them, written comms only.

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