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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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Help - RWay 9 Year Old Debt - lowell claimform What to do?


SF2010
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I received a letter today from robbers way, for an account with capitol one from 12 years ago, informing me of a subsequent notice of arrears, with a default agreement dated 1st Oct 2008, when I have had no contact between myself and/ or robbers way/ capitol one for 12 years.

I was intending a CCA request, and if sent something, then an SAR, because as far as I can see, they are relying upon the fact that, unfortunately, most people are unaware of the options open to them, other than just give in and pay up. Also the amount being asked for is more than 5 times the original debt.

Never mind, it could be raining!

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I received a letter today from robbers way, for an account with capitol one from 12 years ago, informing me of a subsequent notice of arrears, with a default agreement dated 1st Oct 2008, when I have had no contact between myself and/ or robbers way/ capitol one for 12 years.

I was intending a CCA request, and if sent something, then an SAR, because as far as I can see, they are relying upon the fact that, unfortunately, most people are unaware of the options open to them, other than just give in and pay up. Also the amount being asked for is more than 5 times the original debt.

 

Tom if you have not made an acknowledgement or a payment in a six year period within the 12 years (the limitation act is for 6 years) then I'd personally send a stat barred letter rather than play ping pong with them for a CCA.

 

S.

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Thanks for the advice S, it's much appreciated.

I've tried looking on here for a template letter, but I can't seem to find one.

If you know the whereabouts of a template letter, I would be grateful if you could point me in the right direction.

Thanks again, Tom.

Never mind, it could be raining!

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Thank you both for your help, letter sent this morning.

Hopefully that will do the job.

TOTN.

 

Ok not a prob... they'll either drop it or come back saying you made a payment in 20xx, if they do that then we'll ask them to prove it :razz:

 

Did you send it recorded delivery?

 

S.

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  • 3 weeks later...

RE; Robinson way, and my 12 year old debt,

I received a letter this morning saying,

"having reviewed your comments, we can now advise you that we have closed your account in our files, and you will receive no further communication from ourselves in this matter"

Once again Bazooka and Shadow, thanks for the advice.

TOTN.

Never mind, it could be raining!

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RE; Robinson way, and my 12 year old debt,

I received a letter this morning saying,

"having reviewed your comments, we can now advise you that we have closed your account in our files, and you will receive no further communication from ourselves in this matter"

Once again Bazooka and Shadow, thanks for the advice.

TOTN.

 

Brilliant news!

 

As to the thanks, cheers, its always good but you missed out yourself, you were the one who did the work. We all just advised from arms length.

 

S.

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Hi All Caggers

 

I really need some help please. SAR to HBOS and CCA request to Robbers Way in Aug 10.

CCA request to RW included t&Cs, default and termination notice. No documents received.

 

I placed this account in dispute with RW in September, writing to Robbers Way to advise again what I required.

At the end of September Robbers Way have advised me that they would contact me in due course and placed the account on hold.

 

SAR docs received from HBOS with numerous queries as previous posts advise.

I wrote a LBA to HBOS as previous account details used for this consoldidation loan were not sent,

but CCA is showing as well as payments with various balances that do not add up.

No default or termination notice details sent.

 

End Oct 10, another letter from RW stating that they have noted the dispute and will make the necessary enquiries and let me know the outcome in due course.

In the meantime they will stop all collection activity for this account.

 

Over the past couple of days, I have been receiving phone calls regarding this account from a company.

I have not answered the security questions and advised them to put whatever they want to say in writing.

 

I came home today to a letter from IQOR Recovery Services to recover the outstanding balance.

I assume this is the company who have been ringing.

When I asked how they got this number,

they advised they were provided it by Halifax,

which I have not given to them as the account is over 12 years old and I have moved since then.

 

Do I now just write them a letter which advises that this account is in dispute?

Its not the Christmas present I was looking for! :???:

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If this the account the RW put on hold, then I suggest that you write to IQOR advising them that it is against OFT debt collection guidelines for RW to have passed on the account to them while in dispute. Send them a copy of the letters from RW, so they can see for themselves. Tell them that you do not wish to communicate with them in any way and will wait to hear from RW in due course. Send recorded delivery.

 

This happened on one of my relatives debts. RW passed on the account to another company in this situation and as soon as I told the other company, no more was heard again.

We could do with some help from you.

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  • 2 weeks later...

Thanks guys!

 

Got a financial statement letter from IQOR Friday! Of course I will consider filling it all in and sending it to them :madgrin: NOT!

The debt is less than £5,000. Ive done everything I need to do thanks to you guys!

 

'iGnore' is my intention- iQor may consider a name change.

 

Hope you all have a great Christmas!

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  • 2 weeks later...

Hi All

 

I havent been as lucky as Tom of the Night!

I have today received a letter from Halifax which provides a copy of the agreement, T&Cs and statement of account.

It doesnt answer my queries raised with Halifax following the SAR,

but I believe this is in response to my letter sent to IQOR to advise that account is in dispute

and should be passed back to Robbers Way as they have not replied to my CCA request.

Although the CCA request isnt stated in Halifax's letter today,

I expect that I will be contacted by Robbers Way or IQOR again shortly.

 

My question is what should I do?

 

 

The amount is over £3,000, but less than £5,000 and I have been making payments of £1 up until August this year.

The SAR shows the account was written off on more than 1 occassion, but re-instated.

I could try and ask for a F&F settlement, but couldnt afford anything remotely close to that.

 

 

I have not had a copy of the termination notice or default and the loan refers to consolidation of another account which I dont have any information on.

I did ask for these and that request has been ignored.

 

Do I sit tight and wait for the threat of court action?

Can I be taken to court without a termination notice or a default notice?

It would appear that it is possible?

Can anyone advise me how to handle this please?

 

SF2010

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Are you saying that they failed to reply fully to your SAR? If so and they are passed the 40 day time limit, then you should send them a LBA outlining the information you asked to receive but failed to be sent, give them anoth 14 days in which to comply with your SAR if they don't then you will report them to the ICO.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka

 

Yes they failed to comply fully. I did send them a LBA by recorded delivery, but felt a little cautious about starting court proceedings under the circumstances, so I left it. I was leaving it as a delay tactic should they decide to try and take me to court. I can use it to demonstrate that I have outstanding issues with the account that have not been resolved. Perhaps thats not the best approach Baz?

 

There are still many unanswered questions in relation to the consolidation loan, but my main concern is not having any idea of when this account was defaulted or terminated. Nothing in the SAR indicates when that happened and they havent sent me a copy of any notices, but it was about 10 years ago.

 

Any advice please?

 

SF2010

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Hi Bazooka

 

Yes they failed to comply fully. I did send them a LBA by recorded delivery, but felt a little cautious about starting court proceedings under the circumstances, so I left it. I was leaving it as a delay tactic should they decide to try and take me to court. I can use it to demonstrate that I have outstanding issues with the account that have not been resolved. Perhaps thats not the best approach Baz?

 

There are still many unanswered questions in relation to the consolidation loan, but my main concern is not having any idea of when this account was defaulted or terminated. Nothing in the SAR indicates when that happened and they havent sent me a copy of any notices, but it was about 10 years ago.

 

Any advice please?

 

SF2010

 

Hello again SF2010

 

Well, you need to list out these outstanding issues with the account/your personal data and suply this list to the SAR department and insist that they comply fully with your subject access rights and their obligations under the DPA 1998, give them a further 14 days to respond/comply in full, before you send your complaint to the ICO.

 

With reference to your pm (today), do you have a relative or a very good friend who might be willing and able to raise a lump sum in order to offer this creditor a Full and Final payment (settlement) to the account?

 

Kind Regards

 

The Mould

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Hi Mould, I may possibly be able to gather about 10% of the total at the most, expecially at this time of the year. Many of my relatives have helped me out over the past year when things were particulalry difficult and I dont come from a well to do family, so I doubt they will be able to assist with anything but a small token.

 

I already wrote a LBA to Halifax in relation to non compliance, but they didnt respond. I am well within my rights to go straight to the ICO now. Just a thought, what if they dont have the information relating to the account that was consolidated? Im not looking for an answer as such as of course I will have to wait and see.

 

Thank you for your time.

 

SF2010

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If you have already sent them a LBA and they are still laughing at you, then yes inform the ICO immediately, let him investigate, I always say that you shouldn't threaten these companies with such action unless you are willing to carry it out, it makes it more difficult for others who intend on using the full weight of the law, plus it tells them your a push over, make that complaint to the ICO asap!

http://www.ico.gov.uk/complaints.aspx

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 5 months later...

Hi All

 

I recently received an annual statement from Halifax showing the outstanding debt and payments which amount to nil,

as I stopped paying this in August 2010 when I made a CCA request to RW who was collecting the debt at £1 per month.

 

There has been an attempt to pass this to yet another DCA, Westcot (though I understand they are also known as Robbers Way).

The account remains in dispute with Robbers Way and I have heard nothing from them since putting it in dispute.

They tried to pass it to a company called IQOR in December.

I sent IQOR an account in dispute letter and they never contacted me again.

I am about to do the same to Westcot.

 

After sending Westcot the account in dispute letter, perhaps they too will go underground.

I am still concerned and I am moving to another area soon and although I only get these letters periodically,

if Im not here to respond when they do decide to write letters, could this affect me?

They could no doubt proceed to a CCJ or something without me knowing.

 

I am awfuly tired of this, its like a little omen that comes along every few months/years to knock you off your feet.

 

Any advice would be welcomed. :-(

 

SF2010

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