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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
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    • 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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MBNA...So where do i begin??


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Barrowby,

Follow the advice you get from the legal forum and hopefully it wont come down to luck!

I would imagine that the dispute letter will be contained in your bundle so Optima will be getting a copy of it anyway.

I am no expert but I doubt it would go all the way as If you get the right Judge and they will know this, I cant see the courts enforcing on an application form. Not only will they then have no rights to collect on that debt, they have also wasted alot of money with the legals.

I suspect/hope that they will reconsider their position once they are aware you are being advised.

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Hi,

 

Dotty...I have hit the red triangle...so now lets see what happens!

 

Exasperated, Thanks for your comments...I too think that this won't (and shouldn't) even go to the court.

 

Does anyone have any thoughts on when I should be looking at F&F deals?....based on the defective DN alone they could only ask for the arrears.....correct?

 

Or should I let them squirm based on a dodgy agreement and DN!!

 

Thanks

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interesting question

 

i wonder if the three guests from mbna/optima could ans that;)

 

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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:eek: Oops, I was a guest, not logged in as I am at work!

 

MBNA do not appear to issue standard termination letters, but if you check you DN it should state on there that if the arrears are not paid by the remedy date, they will terminate your account.

 

Your DN isn't on here anywhere is it?

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Well dx....I would be glad to hear from them if they could! My understanding was that as proceedings had now been issued against me the "facility" was therefore withdrawn..read Terminated!

 

I hope that companies like Optima or MBNA do read these sites and see that there is a wealth of knowledge available to the lay person and that if they want to avoid undue costs etc they should perhaps start being more accomodating and stop wasting the courts time!...If your client has messed up...then face it and try to get the best deal for them!!!

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Silly question (perhaps!) But as MBNA (via Optima) have now issued proceedings against me, does this constitute a termination of my account?

 

Thanks

 

There may be another, and more concrete way, to establish if your agreement was ended PRIOR to the DN being served - and therfore unlawfully under the CCA 1974. I suggest you read this thread:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/270471-me-restons-mbna-defence.html#post3059492

 

You will need to get the communications log from MBNA (Subject Access Request) - or simply get the info from Experian about your account status.

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Hi,

 

Well i have sent my CPR 31.14 to Optima and a SAR to MBNA.

 

I am now fleshing out my defence and had a question...

 

As I see it (and with the advice given on CAG!) I have not only an unenforcable CCA (no prescribed terms etc) and a defective DN (by 2 days)...so...

 

If I structure my defence based upon an un enforceable CCA will tihs be strong enough on it's own.....or do I have "Judge Lottery"....or

 

....if I build my defence on the fact of a defective DN does this mean that I have to accept that the CCA is not unenforceable and that a contract does in fact exist between me and MBNA....but they have broken the terms by issuing a DN with a remedy date 2 days short?

 

Thanks

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Also just looked at my credit file....I could only access one online but it shows the Default Date of my account as 5 days before the date of the DN sent to me by MBNA!

 

I am waiting to see the other 2 reports. I won't have the SAR back form them (I doubt anyway) in time to submit my defence.

 

Any advice?

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Nothing at court happens quickly though so prepare for a long haul.

 

Your cpr31.14 request should be answered promptly if not resend recorded and keep the proof.

 

Did you ask with this for the date of Termination. You will need this date to work out how much was due if you are going down the unilateral cessation of contract route.

 

Find out what date your defence needs to be submitted by. If you do not have the information needed by that date consider asking the court for a stay to let the other side find this information. You should above all be seen to be reasonable. You should also follow court deadlines closely but don't expect the other side to.

 

Once your cpr gets answered you will have to decide if they have a good case and settlement should be saught.

 

Unenforceability is proving complex and tricky at the moment with judges prefering to believe the honest and trustworthy bankers when the reconstiture what your agreement would have looked like.

 

Let's pretend I am the judge.

 

"So you agree you applied for this Mbna card, receaved and used it for purchases. Why do you think you shouldn't pay Mbna back now?"

 

Oh and I would forget getting defaults removed from your name this isn't classed as enforcement action anymore (mcduff) and the courts will not be interested.

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Hi Freethemice,

 

I have sent my CPR 31.14 request asking for the agreement and the Default Notice. I did not expressly ask for the Termination date....I will advise further if (and when) I receive a reply.

 

I did send it recorded and it has been signed for already. Is it 7 days from receipt?...and is this business days?

 

It is appearing more likely that I will follow the defective default notice route, especially if (as shown on my credit file) the account was defaulted 5 days before the DN was dated to me! so I had no chance of reversing the default even if I could have!

 

Can you expand further on the removal of the default comment?

 

Thanks

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  • 4 weeks later...

OK,...brief update...and a question to those learned ones out there......received my CPR 31.14 request back....same unenforcable agreement ect as per post #1....inc current T&C at my new address.....but.....the DN is dated differently from the original that I have. Can't be more specific at the moment as the docs are at work.....but wanted to know if anyone has come across this before??....or could point me in the direction of posts to read?

 

Can they just re-date DN's to suit???....oh....of course they can...silly me!...they can do what they like!!!

 

Thanks

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scan it up.

 

what are you getting at?

 

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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Thanks DX, Not near a scanner this weekend....but here are the issues:

1. Initial DN issued short by 2 days

2. When I checked my Credit Records I found that the Default was registred on my file Before (5 days i think) the date of issue of the DN. I have checked all 3 main ones and the all show the same.

3. Now when I received the reply to my CPR 31.14 they have supplied me with a different DN with an issue date Later (about 5 days) that the original DN.

 

Can they just change the DN's?........

 

Now I need to enter my defence in the next week and I am trying to figure out the best angle to use.

 

Thanks

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court is not my strong point.........

 

however, i would p'haps get a bit together to poss inc in your defence all this evidence about the DN dates to allow the judge decide?

 

how about pinging freethemice to pop in?

 

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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I am no legal expert but I have had experience of the court system. The impression I get is that the judges although expecting a properly pleaded case would also need to be guided as to how this disadvantaged you. A witness statement from yourself detailing what you believe happened along with proof that if given enough time you would have complied with the terms of the default notice and paid arrears due would help.

 

You see at the moment all you are saying is that they got the paperwork wrong without going into any detail as to how you think this disadvantaged you.

 

Even if the default notice was incorrect and they should not have terminated you would still be liable to the arrears due at the time of the termination. This would need a part admission with a set-off argument for damages to your reputation for unlawful repudiation.

 

Quite tricky getting all this right and then getting lucky with a judge that will actually listen to you rather than just nod his head and agree with everything the vastly overpaid barrister on the other side says.

 

Best advice - gather your best case (along with calculations to show how much if anything you should owe) pay for an hour or two of a solicitor experienced in civil law and see where you stand.

 

If your case still looks good use these forums and google to prepare your case and if it comes to it hire a barrister to present your case at court.

 

Good settlements can usually be reached in these cases and it is something to consider. Debt and money worry eats at you, keeps you up long hours and can alienate you from your family. You have to be sure this is the right path for you. You did spend the money after all is said and done so surely something should be paid!

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  • 2 weeks later...

Hi, JUst a quick question...which i hope someone can answer today!

 

Am i write in thinking that a DN cannot contain penalty charges within the amount of arrears requested?

 

I think that I have read so many posts on this site that I am getting bits and pieces mixed up.

 

Thanks

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correct

makes it invalid

 

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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Thanks DX,

 

Can you point me in the direction of a holding defense as i need to submit it very soon. I am unsure if i should pursue the route of unenforcible CCA or the fact that I have had 2 unlawful DN's issues and a Default registered on my CR before the first DN was even written. I am awaiting a reply to my SAR which is due in the next few days, but after the date the defense is due.

 

Any help appreciated!

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i've put an alert on your thread for help

 

dx

siteteam

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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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks DX,

 

Can you point me in the direction of a holding defense as i need to submit it very soon. I am unsure if i should pursue the route of unenforcible CCA or the fact that I have had 2 unlawful DN's issues and a Default registered on my CR before the first DN was even written. I am awaiting a reply to my SAR which is due in the next few days, but after the date the defense is due.

 

Any help appreciated!

 

Do you need a holding defence because you dont have information/documents requested from the Claimant by way of CPR31.14 ?

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  • 2 weeks later...

Hi citizenB

 

No, I did receive a copy of the "agreement" and a DN...but the DN was a copy of something that I had never received before....the one that I got was dated 3 days earlier and this first i knew of this was when the POC mentioned it.

 

I was thinking that I could ask for the claiment to prove that they sent this to me?

 

Thanks

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