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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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Mckenzie Hall data protection act breached?


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Hi All,

My husband is having numerous phone calls and text messages a week to his mobile, my mobile and his employees' direct line (to the managing director and to the other office phone). To top all of this off they've recently started to send letters to his work addresses including all showrooms and factory (which is where he works.) as a c/o address for him.

 

It's splashed all over the envolope who McKenzie Hall are so it really rather embarressing for him and when they phone or send text messages they state his name, their name and what thier company deals with :evil:.

 

I've got a copy of the harassment by phone letter ready to send but I'm just making sure that there's nothing else I should be doing before I send this to them, as I didn't think they would of been able to give so much information out when speaking to people he works with about this debt.

 

Also just to add the debt is from a payday loan which we couldn't afford too pay back in full, (I know I hear you sigh but we were desprate at the time), we have however made every effort to pay this debt but each time we've offered payment we've been told it's too little and it wouldn't be accepted even after sending them details of our expenditure.

 

Thanks in advance for all your help x

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You MUST get on the phone to trading standards in Kilmarnock where MH are based. There is a guy there called Alan Stewart who deals with MH on a regular basis. See the link for contact details. Give him a phone call with the details.

 

http://www.east-ayrshire.gov.uk/item_detail.asp?UIN=1492

 

This is a major breach of OFT rules, if the debt is nothing to do with the company he works for.

We could do with some help from you.

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Hi sorry if i'm posting wrong (i'm using my phone)...its just too answer you as quickly as possible and thank you for your reply.

No the debt is a personal debt and has nothing to do at all with the company he works with, but obviously now he's not lookin forward to goin into work because they ring each work phone at least once a day and they also txt the work phones once a day as well.

As I an writing this I hav just had a txt from them, would you suggest I ring them and tell them I am sending a telephone harassment letter to them and also speaking to the person mentioned above?

Thanks in advance you've been most kind in helping us x

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Why have you not phoned Trading Standards ?

 

Just do it. Don't give MH a warning. Report them.

 

If this was me, I would go absolutely ballistic. I would go legal and sue them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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DO NOT speak to them on the phone, you will get nowhere - as unclebulgaria stated above, get in touch with the trading standards contct he has given you.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi fifi

Mackenziehall are members of the CSA and so by joining they agree to abide by their Code of Practice :lol: (OOOPS sorry)

This is from said C of P

Debt Collection & Default Guidelines

In attempting to carry out collection in default of

payment, members of the Association should:

 

a) Not use oppressive or intrusive collection

procedures.

 

b) Not bring unreasonable pressure to bear on

the debtor in default of payment.

 

c) Not act in a manner in public intended to

embarrass the debtor.

 

d) Be circumspect and discreet when

attempting to contact the debtor by

telephone, SMS, email or by personal visit,

with due regard to the Data Protection Act

and OFT Guidance.

 

e) Ensure that all attempted contacts with

debtors are made at reasonable times and at

 

As you can see from the highlights they just don't give a :censored:

Go get 'em

Good luck

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=

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Why have you not phoned Trading Standards ?

 

Just do it. Don't give MH a warning. Report them.

 

If this was me, I would go absolutely ballistic. I would go legal and sue them.

 

I completely agree. This is so outrageous, that I really think you should consider legal action.

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Hi to everyone who helped :wink:,

I did as you suggested and gave the the fellow mentioned above a ring, he gave me the number for Mackenzie Halls' complaints manager. I rang him and he was happy to remove all the numbers he had for us and also assured me there would be no letters, phone calls or text messages at work.....Here's hoping he's telling the truth!!

Thanks so much for all yourhelp xx

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Write and email them confirming this action, and write to the original creditor again stating that you now need details of their complaints procedure (which they won't have) and then complain to Trading Standards about them.

 

Which payday loan company is it, this might be better reheaded under their name and the thread moved to the Payday loan section of this forum.

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REQUIREMENTS IMPOSED BY THE OFFICE OF FAIR TRADING ('OFT')

PURSUANT TO SECTION 33A AND SECTION 33D(4) OF THE CONSUMER

CREDIT ACT 1974 ('the Act')

 

REQUIREMENTS RELATING TO:

 

MACKENZIE HALL LIMITED (Consumer Credit Licence Number

5444071, registered office address: 58 Portland Street, Kilmarnock,

East Ayrshire, KAI I JG

 

THE OFT REQUIRES AS FOLLOWS:

1. That as of 15 April 2009

1 .1 Mackenzie Hall Limited will not carry out debt collectionlink3.gif activity where it has been informed, in writing, that there is reasonable cause to believe that the debt is in dispute.

1.2 Mackenzie Hall Limited will not carry out Debt Collection Activity where it has been informed, in writing, that the account is statute barred.

 

Debt Collection Activity is defined as:

a) sending debt collection letters;

b) making of debt collection calls;

c) the use of any other medium for the purpose of collecting an outstanding debt; or

d) the acceptance of payments offered against a debt.

 

A debt is considered as in dispute where:

a ) it has been reasonably demonstrated that the debt has been previously paid;

b) a request under section 77 or 78 of the Consumer Credit Act 1974 has not been complied with, and this prevents the agreement being enforced without the permission of the court;

c ) it is reasonably believed that the debt may have been incurred as a result of identity theft or fraud; or

d ) it is reasonably doubted that the person being pursued for the debt is the actual debtor.

 

For the avoidance of doubt, where only part of a debt is disputed Mackenzie Hall Limited may seek to recover any other part of the debt that is not disputed.

 

ANY FAILURE TO COMPLY WITH THE ABOVE REQUIREMENTS WILL RENDER MACKENZIE HALL LIMITED LIABLE TO FURTHER FORMAL ACTION BY THE OFT. THIS COULD INCLUDE THE IMPOSITION OF FINANCIAL PENALTIES PURSUANT TO SECTION 39A OF THE ACT AND/OR THE REVOCATION OF MACKENZIE HALL LIMITED'S CONSUMER CREDIT LICENCE PURSUANT TO SECTION 32 OF THE ACT.

 

Signed:

Ray Watson, Director, Consumer Credit Group

Authorised signatory on behalf of the OFT

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http://www.consumerdirect.gov.uk/contact Will pass your complaint directly to OFT & TS.

 

http://www.ofcom.org.uk/contact-us/ About the misuse of the communications network, and breaching the communications act.

 

http://www.fsa.gov.uk/ About the payday loan company.

 

http://www.csaconsumers-uk.com/page/i-have-a-complaint About there member Muckhall.

 

http://www.ico.gov.uk/complaints.aspx About your concerns regarding the DPA and these muppets.

 

http://www.writetothem.com/ Get your local MP onboard and get him to raise this in parliament.

 

:welcome: Hello Guests...

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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The man you spoke to may have been happy to tell you your details were being removed from their systems but MHall have a tendency to say one thing and then ignore it completely. You need the complaints manager - can you share his name, phone and e-mail address with us? - to write and confirm so when they totally ignore what he says you have something solid to whack this excuse of a company over the head with.

 

As outlined above Mhall have been told to behave or else. Their behaviour stil lies someay below the standard required.l

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  • 1 year later...

You would need a very very good case against Trading Standards to take them to court. It would be a waste of time and effort.

 

Complaining does get you somewhere and in Mucky Hall's case it usually gets them off your back - East Ayrshire Trading Standards is the one you want and Sam Gardiner is the person dealing with Mucky Hall.

 

Take the 'tested' route first, court could be very costly and very time consuming.

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Failing all that, you could send MH a bag of doughnuts.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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You would need a very very good case against Trading Standards to take them to court. It would be a waste of time and effort.

 

Complaining does get you somewhere and in Mucky Hall's case it usually gets them off your back - East Ayrshire Trading Standards is the one you want and Sam Gardiner is the person dealing with Mucky Hall.

 

Take the 'tested' route first, court could be very costly and very time consuming.

 

Funnily enough I just got a phone call off these a-holes about 30 minutes ago.

 

I'll be sending them a SAR in the morning for their trouble.

In knowledge lies wisdom

 

Mo - not even a bar-stool lawyer, but I'll help where I can...

 

 

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This is a thread from 2010

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