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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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      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.

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Help withl lowell


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What do they need to investigate? That someone might owe some money? Load of cobblers, I'd give them a ring and ask if the investigation moron wants milk and sugar....bloody children.

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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Cat

 

Links to letters you need to send a CCA request - this will probably shut them up

 

CCA Request

CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute (this is below) and this should stop them contacting you.

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

Account in Dispute letter

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

Please support CAG and they will support you.

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CD I'm inclined to ignore them at the moment, check your CRF first CAT see what if anything is on their first, a prove it letter, might be more apt at this point rather than a CCA request, especially if it is near to being SB.

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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It's ONLY money CAT, it isn't life or death, they won't put you in hospital, UNLESS you allow the little children to get to you. So don't!

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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i had a disputed debt with a Catalogue,there has been no contact for just over 6 years.

we started to receive letters from Lowell & all the companies linked with them, all of the letters went into the bin, as i have heard many of the dirty tricks they get up to & have googled them.

we started to get the phone calls from all of their companies,cant remember all of the names,but i always ask them for the company name then say i may or may not call them back, i refuse to confirm any details that could be used to identify me, i then come on here or google the company name,....if its given.

28/01/11 i had a phone call they would only say "its a personal matter"despite asking for the company name,which was refused by the caller no company name was given, so i hung up.

 

within 10 minutes,the phone rang again,guess what, it was the same voice as the first phone call 10 minutes earlier.this time claiming to to represent Severn Trent Water,although the caller would not give his companies name.

i told him i am not legally obliged to give out any information which may identify me & i deal direct with all of the utility companies servicing this property.

 

i know this is a long winded post,but thought people on here should know about ,what i believe is a new tactic by this company & their associated companies.

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i had a disputed debt with a Catalogue,there has been no contact for just over 6 years.

we started to receive letters from Lowell & all the companies linked with them, all of the letters went into the bin, as i have heard many of the dirty tricks they get up to & have googled them.

we started to get the phone calls from all of their companies,cant remember all of the names,but i always ask them for the company name then say i may or may not call them back, i refuse to confirm any details that could be used to identify me, i then come on here or google the company name,....if its given.

28/01/11, i had a phone call they would only say "its a personal matter"despite asking for the company name,which was refused by the caller no company name was given, so i hung up.

 

within 10 minutes,the phone rang again,guess what, it was the same voice as the first phone call 10 minutes earlier.this time claiming to to represent Severn Trent Water,although the caller would not give his companies name.

i told him i am not legally obliged to give out any information which may identify me & i deal direct with all of the utility companies servicing this property.

 

i know this is a long winded post,but thought people on here should know about ,what i believe is a new tactic by this company & their associated companies.

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hi well i have looked at my credit report it says start date was 28 / 05/ 1998 date last delinquent ( that ever that means ? ) 06 / 05

default date 06/06/05

also says updated 30/04/07 ? what does that mean ? would that be when lowells bought the debt ?so any ideas guys ? there are not marks for any payments . cheers thanks again .. catx

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If the default date is June 2005, then the last payment could actually have been months before this so will certainly be Stat Barred by then.

 

Do you have any records yourself - bank statements or anything, to show when the last payment was made?

Please support CAG and they will support you.

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Cat

 

Just send them the doorstep collection letter by recorded delivery.

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

If they continue to hassle you, then report them to Trading Standards. What they are doing can be considered harassment.

 

Don't worry about any doorstep collection. They probably won't turn up anyway and they certainly should not following you sending the letter. These doorstep collectors don't have any powers and they are just there to intimidate you. Most are self employed people, that won't go out of their way to make visits and if you are not in, they will just put a postcard through the door asking you to call. Some DCA's are a bit sneeky, as they send a postcard in the post asking you to call a mobile number, making it look like a doorstep collector has come to visit you. But if you look carefully, it will have a postage marker in the top righthand quarter.

 

Don't let yourself get worried by any of this. Looks like the debt will become statute barred very shortly.

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omg a reply already !!!!! saying they are removing my telelephone number from my account ? didnt no they had it . plus i will receive no more calls from them concerning this accouint . please do not hasitate to contact them , nothing about coming to my house lets hope they got the message big time as i really dont need the stress of that as well many thanks as always cat x

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It is no stress, any uneducated fool turning up on your doorstep demanding money can be told to shove off, they do not have any legal right let alone training to be on anyone's property committing a tort of trespass.

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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  • 4 months later...

Ok back again .... just been notified by Equifax that lowells have deleted my account summary now i have to click i think for it to be ok and taken off ? So do i click delete?:???:sorry sound thick just making sure i am not making my self known to them again and this is them going away ?

many thanks as always ........... cat x

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