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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
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    • 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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LLoyds cant find Loan CCA


rhino666
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The 'truth' will be in the letter, 'acting for' 'our clients' etc. will mean the debt belongs to another company, not necessarily the OC.

 

An outright 'claim' to the debt may mean it has been sold.

 

If there is no Agreement, and you have this in writing you could always send the 'bemused' letter to the latest to write to you:

 

http://www.consumeractiongroup.co.uk...lection-agency

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A 1000's thank yous. I'm in the process of going through the FOS appeal ( for good that's going to do ! ) for a complaint against a bank that has said they don't have my CCA yet passed it across to DCA after it went through their in house collection dept.

Good piece of info in the link.

The OC is claiming they're only obliged to keep CCA for 6 years. this I'm sure is the Minimum not the Max, so they're trying to pull a fast one then passed it to a DCA for my troubles of asking where it is.

I'm pretty sure the original letter from the DCS says "Acting for"

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Not that i don't wish to believe that but that statement reiterates what I said.they don't have meaning they can if they so wish hold them for longer and banks DO. Banks can hold records for dozens of years if they wish to.

 

Just found this

http://www.consumeractiongroup.co.uk/forum/showthread.php?32853-How-long-does-your-bank-keep-statements

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  • 10 months later...

Could anyone please clarify how many times you're supposed to submit the £1 for CCA to a bank especially after they say they don't have it!!!. I've just been asked for it a second time and told if I don't pay it they'll close the complaint!!

 

Have this documented, sent via recorded delivery and the extra £1 deducted from the alleged total.

 

As far as I'm aware I pay once.

If this banks to shut down my complaint that's their problem not mine. My whole sorry saga was handed back to them from a DCA who had no CCA ( was pointed out in a letter ) The bank insist I need to pay again with a credit card and an account no as none was specified!!

Well if they didn't have an account No how did they write to me because I never put an address no or name down , just a a/c No

 

I tempted to ignore it and see what they do... or who they pass it to next( which they're not allowed to do )

 

 

and they've even told me

 

PO box 12304

Edinburgh

EH12 9DX

 

will supply the CCA

 

No mention of it's the same bank or different Co

Surely that's their job not mine. I've done my bit.

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Who did you send the original request to?

 

If the original creditor then you should only need to pay once.

 

If the account had been passed to a DCA who failed to provide and it was then passed on to another DCA then the situation does become a bit frustrating.

 

IMHO, (assuming it was a DCA) they should have sent both the £1.00 and the request to the Original creditor to supply. However, it looks as though the legal fee has been deducted from the account. That is up to them.. however, you should have made it clear in your request that the £1.00 was for the supply of the CCA only. Because that could affect any statute barred timing.

 

If you have proof that the request was received then you should simply point out that the monies were sent and received and they are now obliged to provide the document you requested.

 

If you send the fee in the form of a postal order, you can check that it was cashed by telephoning :

01246 542091

 

Who are the bank and who was the DCA

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Read all about BCOBS and then decide how you want to approach your complaint

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The bank is LLoyds and the DCA is credit security and the original £1 was sent to their (Lloyds) collections dept as cash , but like I said it was sent recorded delivery and the deduction of £ is there on a statement. so it can all be backed up.

 

Sure their bad administration is not my problem if I can prove I've obeyed the law

 

and I made it PERFECTLY clear in the letter requesting a CCA. and if they close the complaint down that's their problem. As said ... they've admitted they don't have it the CCA in writing!

 

Read all about BCOBS and then decide how you want to approach your complaint

 

The thing is I haven't made a complaint. I merely laid down the law with the DCA stating they shouldn't be processing anything without a valid CCA , who then passed it to Lloyds as a complaint( from what I've received they haven't even supplied the bank with the full letter.

Complaints don't appear to get looked at in Banks, they're glossed over by some clerk who knows very little then farmed out to DCA.

 

Could someone clarify that I'm right in not needing to pay a second time if I have evidence of paying the first time.

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Ah, why am I not surprised that it is LTSB ?

 

Ok, what has happened to your £1.00 is that you have sent it to the "Collections Department". You should have sent your CCA request to the head office address.

 

When you send anything to the CD, that has money attached.. they separate the money from the letter. The letter - if it even arrived at the department that deals with CCA requests, would now be minus the fee ?

 

Perhaps you should now make an OFFICIAL COMPLAINT and start the ball rolling. Send to the Head Office/Registered address and mark it Official Complaint.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As the Collection Dept is part of Lloyds and it's clear letter what the money is for , surely their admin is at fault rather than me being at fault, It was the collections dept that were dealing with me in the first place. + if there is no CCA as they themselves have said in writing surely the last thing in the world I want, or anyone else wants, is a CCA giving them the right to take me to court. Yes I am trying to avoid paying but I'm doing so for a damn good reason.... I NEVER withdrew the funds and was NEVER supplied a CCA in the first place which is what they're supossed to do in the first place . I have all my statements to back this up ... but LLoyds don't want to take notice of this. EVEN when I've supplied them with the statements saying ... "where has this money gone" with everything underlined in red..... No reply! Ombudsman....he couldn't careless when I pointed it out.

 

If I'd withdrawn money they'd have a point, but I didn't, I left the money they shut down the ac and said you owe us !!!!

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No one is suggesting that you are at fault. Just pointing out what happened and yes, I agree that they should have known what it was for. However, you are now left with a mess that unless cleared up could possibly create further problems down the line. And why should you not expect redress for the hassle that you have been caused ?

 

To obtain that redress though, you are going to have to make a complaint and follow it up.

 

BankFodder has 5 articles in respect of BCOBs (which he mentions above) in CAG magazine. They are well worth reading and taking forward.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:), Just yell if you need any help ..

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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