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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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Yet another A.I.C. thread :(


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Hi. Glad I have found this site, it looks really helpful.

 

I have read through a lot of posts and have decided to start my own thread.

My story in brief:

 

I was made redundant 12 months ago and was left owing the RBS approximately £2200. I contacted the bank and informed them of my situation and all seemed fine for a while. I was then contacted by Triton. I explained my situation to them and offered them £5 a month as a gesture as I am on Jobseekers allowance. They weren’t happy but there was nothing more I could do. I then received the infamous A.I.C. yellow card

 

The day I received this they phoned me. I could not believe how ignorant the woman was. After explaining my incomings and outgoings she admitted that I was in no position to pay the debt but then went on to tell me if I paid £1500 within five days the debt would be written off. I told her not to contact me by phone again, and to contact me by mail only then hung up. They persisted with their calls so I have now barred them from calling me so they text me every other day.

 

On Wednesday I received a letter giving it the old "URGENT-FINAL NOTICE OF INTENT" This is the only contact the A.I.C. has made since I told them not to phone me (besides attempted phone calls and texts).

 

Now, I have never welched on a debt in my life and am willing to pay the RBS the money I owe them as and when I can. I am not however prepared to put up with belligerent bullies like A.I.C. After reading what this **** get up to I am livid.

 

Something I don’t understand is, I have since been contacted by the RBS by letter and they have told me that they understand my situation and will contact me at least every six months to review my situation. If this is the case WTF are A.I.C. doing harassing me?

 

 

So from what I can gather I need to send them a CCA request? Is this what I should be doing?

Thanks in advance,

The Pincher of Pugeons.

:mad2: Busy battling the DCA's :fencing:
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It really depends on what the alleged debt with RBS is? A credit card, overdraft, loan? If it was a CC or Loan, when were these taken out? Pre or Post 2007?

Your right not to talk to them over the phone, whatever they want to say can be committed in writing, NOT by some telephone jockey reading off a script who is working on commission.

 

RBS & Triton, are the same company, just that Triton are the in-house collection arm of RBS.

 

As for AIC, when they sent that yellow card was it in an envelope? And who does it say now to ring? It's not still Mr Dickey is it??

 

For their continued telephone harassment send the fools this,

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Are you paying to have the calls from them barred? If so send them an invoice also for the cost of doing so, and follow this up too. If you can view your incoming calls and it shows you the times dates and amount of calls they have made to you, then print it off and send them the copy, if they are still doing it, even though you have barred their calls, then take a copy of this to your local Police station and file a report of Harassment (Criminal Offence)

Make a formal complaint 'either way' to Ofcom who should police such breaches of the communication act.

http://www.ofcom.org.uk/contact-us/

127Improper use of public electronic communications network E+W+S+N.I.

 

(1)A person is guilty of an offence if he—

(a)sends by means of a public electronic communications network a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or

(b)causes any such message or matter to be so sent.

(2)A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another, he—

(a)sends by means of a public electronic communications network, a message that he knows to be false,

(b)causes such a message to be sent; or

©persistently makes use of a public electronic communications network.

(3)A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both.

(4)Subsections (1) and (2) do not apply to anything done in the course of providing a programme service (within the meaning of the Broadcasting Act 1990 (c. 42)).

 

http://www.legislation.gov.uk/ukpga/2003/21/section/127

 

 

They are also in breach of the Protection from Harassment Act,

(1)A person must not pursue a course of conduct—

(a)which amounts to harassment of another, and

(b)which he knows or ought to know amounts to harassment of the other.

(2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

(3)Subsection (1) does not apply to a course of conduct if the person who pursued it shows—

(a)that it was pursued for the purpose of preventing or detecting crime,

(b)that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

©that in the particular circumstances the pursuit of the course of conduct was reasonable

http://www.legislation.gov.uk/ukpga/1997/40/section/1

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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Thanks for your reply Bazooka Boo.

 

The debt is for a loan taken pre 2007 and the A.I.C. card arrived in a plastic envelope asking me to contact a Mr R Watson (as have all the text messages apart from the last that wanted me to contact a Mr White) I managed to bar the phone calls with a free Nokia app. It still logs the attempted calls though.

Should I be going down the line of the CCA request? I can send it tomorrow if need be.

:mad2: Busy battling the DCA's :fencing:
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  • 4 weeks later...

Just a quick update.

 

AIC have not even had the courtesy to reply (not even to send me my postal order back) However I have now just received a phone call from Robinson Way And Company Ltd. I presume these fools have now purchased the debt.

 

Ooh as I type they have started texting me too :smile:

:mad2: Busy battling the DCA's :fencing:
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Poor old robbersway seems like they have just bought a portfolio of lemons, sad sorry losers.

Well robbersway can simply have ONE letter sent 2nd class http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

ALSO shoe horn this onto the bottom of it;

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Once sent, leave it be for 5 days, then if they continue to harass you by telephone, keep a diary of events, and report them to your local Police station for the 'criminal' offence of harassment, it IS a criminal offence NOT a civil matter, so don't let them fob you off.

 

For the time being report these fools to Ofcom for committing an offence under the Communications act 2003

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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Thanks for the reply Bazooka Boo.

 

AIC have now replied, sending back my PO order with a compliment slip simply saying "Dear sir, Please contact Rbs bank regarding your copy of agreement. Regards," I presume this is them pretty much dealt with and I am now dealing with Robinson Way.

Robinson Way have since only once tried phoning me again but I have them barred on my phone, so they sent me a txt

asking me to contact them (yeah right :lol:) Should I now just wait for them to contact me by mail?

:mad2: Busy battling the DCA's :fencing:
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As soon as AIC are out of time (12 working days from receipt of your cca request) it can be placed in to dispute with whoever next demands money from you if AIC are so incompetent that they failed to forward on your request for the agreement to their 'clients' then tough cheddar.

  • Confused 1

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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Although AIC have replied, all they did was send me back my postal order and tell me to contact my bank for my copy of the agreement. I take it that this then means when the 12+2 days are up (Tuesday) they will have failed in supplying me with my requested copy of the credit agreement.

 

Does this then automatically put the account in dispute or do I need to send them another letter?

Or do I just send the “letter when the account has been passed to another debt collection agency” to Robinson Way?

 

Since being made redundant, I have had to move into a spare room at my mothers house. I haven't lived there for well over a decade and the land line phone number has been changed three times in that period. Today at 7:30pm my mother answered the phone to discover Robinson Way on the other end. How the hell did they get the number:!: I shall also send a copy of the "Harassment by telephone - response letter"

 

Thanks in advance for your time. :)

 

Edit: I also received a "FORMAL DEMAND FOR PAYMENT" letter from Robinson Way today threatening me with court action.

Edited by Pigeon Puncher
:mad2: Busy battling the DCA's :fencing:
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As D4G says, once they are out of time (12 'working' days from receipt of your request) then send them the in dispute letter.

Enclose with it the telephone harassment letter and keep a diary of events with regard to taking legal action against them for their harassment, it they continue to call after they have received your letter, go to the Police and file a complaint of harassment against them, it is a criminal offence, not a civil matter so don't let them fob you off.

 

Report them also to Ofcom for offences committed under the communications act, and the OFT&TS via consumer direct for other offences committed.

http://www.consumerdirect.gov.uk/contact

 

http://www.ofcom.org.uk/contact-us/

 

1 Prohibition of harassment. E+W

 

(1)A person must not pursue a course of conduct—

(a)which amounts to harassment of another, and

(b)which he knows or ought to know amounts to harassment of the other.

(2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

(3)Subsection (1) does not apply to a course of conduct if the person who pursued it shows—

(a)that it was pursued for the purpose of preventing or detecting crime,

(b)that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

©that in the particular circumstances the pursuit of the course of conduct was reasonable.

http://www.legislation.gov.uk/ukpga/1997/40/section/1

 

127Improper use of public electronic communications network E+W+S+N.I.

 

(1)A person is guilty of an offence if he—

(a)sends by means of a public electronic communications network a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or

(b)causes any such message or matter to be so sent.

(2)A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another, he—

(a)sends by means of a public electronic communications network, a message that he knows to be false,

(b)causes such a message to be sent; or

©persistently makes use of a public electronic communications network.

(3)A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both.

(4)Subsections (1) and (2) do not apply to anything done in the course of providing a programme service (within the meaning of the Broadcasting Act 1990 (c. 42)).

http://www.legislation.gov.uk/ukpga/2003/21/section/127

 

40 Punishment for unlawful harassment of debtors. E+W

 

(1)A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract, he—

 

(a)harasses the other with demands for payment which, in respect of their frequency or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation;

 

(b)falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it;

 

©falsely represents himself to be authorised in some official capacity to claim or enforce payment; or

 

(d)utters a document falsely represented by him to have some official character or purporting to have some official character which he knows it has not.

 

(2)A person may be guilty of an offence by virtue of subsection (1)(a) above if he concerts with others in the taking of such action as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment.

 

(3)Subsection (1)(a) above does not apply to anything done by a person which is reasonable (and otherwise permissible in law) for the purpose—

 

(a)of securing the discharge of an obligation due, or believed by him to be due, to himself or to persons for whom he acts, or protecting himself or them from future loss; or

 

(b)of the enforcement of any liability by legal process.

 

(4)A person guilty of an offence under this section shall be liable on summary conviction to a fine of not more than £100, and on a second or subsequent conviction to a fine of not more than £400.

http://www.legislation.gov.uk/ukpga/1970/31/section/40

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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OK

 

I am going to send the "Failiure to provide a copy of the agreement within the prescribed timescale." Letter to AIC next Wednesday.

Can I also send Robinson Way the "letter when the account has been passed to another debt collection agency" along with the "Harassment by telephone - response letter" on the same day or do I need to wait for a reply from AIC before doing so?

 

Thanks.

:mad2: Busy battling the DCA's :fencing:
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Just a thought.

Robinson Way have obviously bought the debt from AIC before AIC's 12+2 days to reply are up. So is where its says "This account is in dispute with **original creditor/DCA** and has been since DATE ." OK? As the debt won't have been in dispute when Robinson Way bought it.

 

Sorry for pestering but I want to get this right.

Thanks again.

:mad2: Busy battling the DCA's :fencing:
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Just put the date on when 12 days after robbersway received the request for the CCA, the fact that they were aware at the time of the state of play with the account, and still decided to sell it or pass it on is not your problem, AIC might simply palm it back off to robbersway for selling them a lemon.

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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