Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Direct Legal Collections..help please


tanglewood
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4848 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My son has received a letter from these people for a debt to Orange of £687. The letter threatens legal action etc. From reading on the forums I realise not to phone them but only to communicate by letter. But do I firstly send a CCA letter which hopefully they will not be able to supply? But if they do, does anyone know if he can offer to pay monthly by sending a cheque? I do not want him to use direct debit as he will end up overdrawn as he has done in the past. Can they refuse to accept this and still take him to court or send in the baliffs? I am trying to help him as I guess he has ignored previous letters and I have only just found out about this.

Link to post
Share on other sites

Hi tangle

 

You can ask them to supply a copy of the original agreement. I would write a letter explaing the situation, stating that you can pay monthly payments via cheque.

I personally don't think they would take him to court over that amount, as their costs, could be a lot more, plus your offering to pay a manageable amount each month. If they've added any Penalty Charges I suppose you could ask them to refund them, see what they say.

 

Links to Telephone Harrassment or Door Step Visits -

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

http://www.consumeractiongroup.co.uk/resources/templates-library/52-harassment

Link to post
Share on other sites

Firstly, the threat of bailiffs is just that, an empty threat, no bailiffs will turn up, there is a long way to go before there is any chance of bailiffs being brought into the equation.

 

A CCA is also no use where mobile phone contracts are concerned, as it isn't a credit agreement merely a service provided to the end user, so this only really leaves a subject access request (SAR) to the original creditor (OC) in this case Orange, this will provide you with all of the documents identifying your son, and will show you if there are any charges on the account which can be disputed, and by the sounds of the outstanding bill, there could well be a lot of charges on their!.

 

You could start at the very beginning with DLC and send them the 'No debt Acknowledged' letter;

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

This will initiate the game of letter tennis with them, in the meantime you could send a SAR to the OC, enclosing a £10 Postal order, and send recorded delivery.

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

They have 40 days in which to supply ALL documents and media relating to your son and this account.

 

Alternatively if your happy that this amount is for call charges etc, and doesn't contain any charges, then tell DLC by letter what your son can afford to pay them weekly/monthly, they don't have to accept, in fact they almost certainly won't as their greed gets the better of them and knows no bounds, which is why they fail to threaten people with any ounce of credence, fools.

A cheque is probably not the best way to pay them, as it will have all bank details on, unless your intending to send the cheque on his behalf?

Standing Orders are the preferred method of payment, as it can be set up your end, with no input from the slimy DCA, and you can control it, starting & stopping it and varying the amounts when you like.

 

:wave:Hello guests!

 

If DLC are threatening bailiffs, fire & brimstone, they are once again deluding themselves, no such thing can happen, it is a figment of their tiny imagination, so no need to worry on that point.

If your son is on benefits, unemployed or earning a minimum wage, then all he should offer is £1 a month, that is all a Judge would order him to pay.

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!

 

 

Link to post
Share on other sites

Thank so much for the advice. Great. BUT now my son tells me he has rung Orange and they have said the outstanding debt is £140 and he has made arrangements with them to pay this off,

 

So now how to do I get rid of DLC as it appears that they must have been slapping charges on the debt.

 

Could I send a No debt acknowledged letter and inform them that he is paying direct to Orange and refuse to pay their charges? They did tell me that they had been sending letters to an address that my son left ages ago and he has never received them. I have refused to tell them where he is now living. (Back at home!!)

Link to post
Share on other sites

I have now read the No debt acknowledged letter and realise that it is not the correct one for the case as my son does acknowledge the debt. Sadly.

 

Can you tell me what sort of letter to write to advise them that he is paying direct to orange? Orange have not been too helpful in calling off these Rottweilers and basically have told my 19yr old to deal with it himself.

Link to post
Share on other sites

You are brilliant. Will send it off tomorrow. Recorded of course coupled with the don't phone me letter.

 

Thank you once again. I just hope this will be the end of the matter but I have a feeling it won't as they will want their charges paid as they have 'bought the debt'.

 

But finger crossed

Link to post
Share on other sites

Just an update...My stupid stupid son is entirely liable for this debt. I have found out..by subterfuge..that he obtained a laptop and dongle from Orange on a two year contract. he only paid 4 months and so they cancelled the dongle and he now has to pay the rest of the contract. The debt to orange is £675 so the DCA have only put on £13 charges at the moment! Orange refuse to let him pay them so he 'says' he has made arrangements with the DCA to pay it back.

 

So I am leaving him to it. I am so angry. If the baliffs turn up they can take his car!!!!!

 

I am so sorry to have taken your time up and be always grateful for the advice.

 

Thanks to you all

Link to post
Share on other sites

Bailiffs won't turn up, for a bailiff to turn up, first your son will have had to have been to court, where they will have had to succesfully have a CCJ awarded against him, then he will have to fail to stick to the CCJ, where the creditors will have to go back to court and ask the judge if they can appoint court certified bailiffs to recover the money, as he doesn't own his own home, will have very little in the way of goods, less for his car, then that is all they could reslistically take.

Maybe it is better for him to be taking responsibility for his actions, we all learn one way or the other, and for some it's only by learning the hard way that realisation sets in.

On a side note, if Orange really did tell him to sort it out, and washed their hands of it, then more fool them, as this will get them into all sorts of problems, their chosen third party debt collector (DLC) is acting on behalf of Orange, so anything that DLC do that is questionable, WILL result in Orange being made to answer for.

Also DLC CANNOT add spurious charges that they feel like, the only ones able to do so, is Orange, and even then these must be written into the contract your son signed.

Has he returned the laptop and dongle?

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!

 

 

Link to post
Share on other sites

I certainly agree that he should now take responsibilty for his actions and I am letting him get on with it. I had the same problems with my other son and had to sort him out but I never thought that this younger son would go the same way. He did all this at a time when he had moved out to share a flat and now he is back home again.

He now says he is sorting it out with the DCA but will not admit what he has done.ie ordering the laptop and dongle. I guess he is too scared to admit his mistake. But now he has to live with it.

It is interesting to note that you say Orange should not have told him to sort it out with the DCA and I shall monitor any more letters coming in case more charges go on.

Well he won't talk to me about it so be it!!!

 

I have no idea where the laptop and dongle are. Certainly not in my house.

 

So for now I am watching to see if he sinks or swims.

Link to post
Share on other sites

Hi

I am also having problems with orange who have now passed to moorcroft and threatening legal action

 

basically i had a contact for 18 months after 16 months got lots phone calls asking me to take out another contract etc I said no going to pay as you go. I stopped direct debit after 18 months and 4 months later got letter saying i still had to pay as I had not cacelled contact. they will not listen and say I have to pay and a disconnection fee? I never got any money back from cash back always bills sent back saying I missed the date

 

who do i complain to

Link to post
Share on other sites

Hi, had basically the same problem with another son with Orange who eventually sent the debt to Moorcroft. As he did owe the money we paid £5 a month for about a year. They were funnily enough very helpful and the debt was cleared.

 

When my other son left orange he forgot to cancel the contract and ended up owing two months as it goes onto a rolling contract and he or rather I had to pay up. We then got it cancelled but I took the name of the woman I spoke to and paid the money to and also had the receipt number because they do not send you a confirmation letter that you have cancelled the contract.

 

I am sure there will be somone better on here that can advise you as they have done for me. I can only say what I did in the circumstances.

 

Good luck

Link to post
Share on other sites

You need to open a formal complaint with Orange first and foremost, stick to your guns and tell them under no circumstances are you paying them anything, you stuck to the agreement that you signed for 18 months, if they insist that they needed a written letter of cancelation, tell them that you are fully prepared to let a Judge decide on the matterm once you have made a formal complaint to the "futures bright"! complain to the OFT&TS via http://www.consumerdirect.gov.uk/contact

Send everything in writing and maintain a paer trail of evidence.

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!

 

 

Link to post
Share on other sites

Have now received a pretty pink postcard asking my son to contact another debt agency, Have thrown that in the bin and have written for DLC and told them he is working part time and earning minimum wage and therefore making an offer to repay at the rate of £30 a month starting at the end of Oct. have also stated in the letter that he will only correspond by letter. We shall see what they say.

 

However I remember reading somewhere that if push came to shove he could go to the County Court and obtain an adminstration form (?)

 

Where did I read that or can anyone update me?

Link to post
Share on other sites

You should keep all correspondence these fools send, was the postcard in an envelope, or out there for all and sundry to see?

£30 a month!!!!!

£5 at the absolute maximum, unless he has such a large disposable income he can afford this, and have you checked whether these idiots are legally entitled to collect any money?

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!

 

 

Link to post
Share on other sites

Hi

firstly the postard was from Hillside Securities a subsidiary of DLC asking if someone could visit. Nothing about the debt.

 

Secondly...sadly he owes this money. I have checked. Therefore he has to pay it back. If he offered £5 a month it would take 10 years to repay and he is only 19.

 

I could start a round robin of letters etc but at the end of the day he owes it and has to repay it.

 

So there we are. he got into this mess and has to get out of it. i will help but not pay it.

Link to post
Share on other sites

Totally agree, but that doesn't mean they can run roughshod and abuse the fact that he owes them money, nor can they dictate how much he has to pay them a month, if it takes him ten years then he will learn the hard way, I'm glad your not going to pay it for him.

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!

 

 

Link to post
Share on other sites

At the moment they have not stated any amount that he has to pay. I am awaiting their reply. He is currently studying to work as a teacher abroad so will be leaving the country in about a year that is why we are trying to get it paid off before he goes. He is learning the hard way as he is currently selling items he has collected over the years in order to pay this back.

 

They can try and get more money but they will have to whistle for it. I don't thnk they would get anywhere by trying to take him to court seeing as he is making an offer of payment.

Link to post
Share on other sites

Exactly so long as he is paying something, even the token payment of £1 a month, there is nothing they can do.

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!

 

 

Link to post
Share on other sites

Advice needed please.

 

Following our letter to DLC offering £30 a month they have written back enclosing an Income and Expenditure form asking for all details INCLUDING proof of wages.

 

What do I do? Shall I just write back saying it is £30 or nothing? or fill in the form. However I am loath to give them details of my son's wages because then they will know where he works.

Link to post
Share on other sites

Advice needed please.

 

Following our letter to DLC offering £30 a month they have written back enclosing an Income and Expenditure form asking for all details INCLUDING proof of wages.

 

What do I do? Shall I just write back saying it is £30 or nothing? or fill in the form. However I am loath to give them details of my son's wages because then they will know where he works.

 

Only a Judge/Court has the right to any form of I & E info so just ignore that form

Stick to your plan and if they don't like it . . tough

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...