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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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HFO and Citifinancial Debt


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Hi

 

I am currently going through exactly the same thing with HFO over a Citifinancial Debt - I received a letter from Roger Mills on Saturday demanding £1900 within 3 days otherwise they will send court executed bailiffs - I have been going out of my mind with worry.

 

I defaulted with Citifinancial in 2006 and heard nothing from them until Roger started threatening me a week ago! The debt was at my previous address which i left 4 yrs ago, he also attached my credit file to the letter which included the names of the people currently on the electoral role at my old address - is it even legal for him to send this??

 

I am so worried as to what will happen next but have sent the CCA letter today!

 

Any help you can offer would be greatly appreciated

 

Many Thanks :-)

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Hi

 

I am currently going through exactly the same thing with HFO over a Citifinancial Debt - I received a letter from Roger Mills on Saturday demanding £1900 within 3 days otherwise they will send court executed bailiffs - I have been going out of my mind with worry.

 

I defaulted with Citifinancial in 2006 and heard nothing from them until Roger started threatening me a week ago! The debt was at my previous address which i left 4 yrs ago, he also attached my credit file to the letter which included the names of the people currently on the electoral role at my old address - is it even legal for him to send this??

 

I am so worried as to what will happen next but have sent the CCA letter today!

 

Any help you can offer would be greatly appreciated

 

Many Thanks :-)

 

Hi Fox can you start your own thread on this.

 

 

cheers

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Roger? Crikey, don’t get familiar... Start your own thread and then...

 

That certainly seems like a breach if those details were from anything other than the electoral roll.

 

Did the letter actually say bailiffs would be sent? Hope the court doesn’t execute them first (or maybe I do...). Was it the standard 72 hour letter? When you have 20 posts, you can put it on here. Maybe get it scanned in readiness.

 

What you need to find out is

(a) do HFO have the right to collect this?

(b) have they added interest or charges they are not entitled to?

© were there unlfair charges on the original account?

 

To do this, you need to send a subject access request to Citi, and a CCA request to HFO.

 

Who claims to own the account?

 

EDIT:

 

Will ask a mod to make a new thread for you with the title ‘HFO threats on Citi debt”

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Hello and Welcome, foxoidbox.

 

I have started a new thread for you, please continue to post here, regarding this matter.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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The letter states that the debt is due for immediate repayment and if its not received within 3 days then the account will be escalated to the legal desk to take legal action against me. From what i can gather they havent yet got a judgement against me!

 

The original defaulted amount was for £1347 but HFO are demanding £1993.17

 

Im so worried about this

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Im so worried about this

 

Thats only natural, but in finding CAG and the HFO fan club, that will all change, keep posting, research all the other HFO threads and we will do our best for a happy ending.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi and Welcome

 

Standard HELP pack below - don't worry

 

Complaints

 

OFT&TS via http://www.consumerdirect.gov.uk/contact

 

MOJ via http://www.justice.gov.uk/contactus.htm

 

Local MP via http://www.writetothem.com/

 

OFT Guidance link

 

This helps when drafting a letter to OFT

 

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

 

 

Receipt of e-consumerview report complaints

 

Link to a CAG thread on experian and complaining, there is a sample letter in there

 

http://www.consumeractiongroup.co.uk...ment&highlight=

 

Harassment Letter

 

To stop those annoying phone calls

 

http://www.consumeractiongroup.co.uk...esponse-letter

 

SAR Request

 

Subject access request letter attached to send with £10 postal order - send recorded delivery and sign over the dotted area at the bottom. They have 40 days to reply. They have 40 days to reply. Adapt the last paragraph to give any previous addresses that the OC may have and attach a copy of a utility bill or they will write back and ask for one.

 

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 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

SAR Anon.pdf

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Hi

 

HFO have sent me another letter (72 hour notice of litigation). I did send them a letter recorded delivery at the beginning of last week requesting that they send me copies of the original documentation regarding the debt. They havent acknowledged this and are now saying that the debt will increase etc etc.

 

I am worrying again and need some advice as to what I should do next

 

Please help.

 

Thank you :-)

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Hi

 

Exactly which letters did you send? Did you send the CCA request and have you checked with Royal Mail that this has been received? The 72 hour letter is just a very empty threat designed to intimidate you so don't be alarmed. Did they attach anything to it?

Please support CAG and they will support you.

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Hi

 

Yes I sent the CCA letter and I have checked on royal mail - HFO received it on 01.12.10, which is the same date that this letter they have sent me is dated.

The letter says if i fail to respond within 72 hours they will pass my details to their solicitors for legal action. They have attached information regarding CCJ which contains a load of FAQ's etc.

 

What should I do next? Should I send another letter referring to the CCA letter I sent?

 

Thank you

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After the 17th December, you can send the 'account in dispute' letter if you do not receive a valid copy of a credit agreement from them. This normally shuts them up. The letter link is in the post I put in above, with all the links on it. I would allow a few more days due to the festive season, so probably send after the holidays.

 

Do not write back to them, before putting the account in dispute. I would definately make some complaints to the authorities - again the links are in the post above, as the more complaints the better, about these people. I presume the leaflet was a Court Service publication? If so - you must complain to the court service about this misuse of their information, send the a copy of the letter and leaflet and ask why government information is being used to intimidate you.

 

Did you send the SAR request to Citi? This is worth doing soon as you can.

 

HFO are out to frighten you - don't let them.

Please support CAG and they will support you.

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I havent yet sent the SAR letter I will do this tomorrow. Should I just ignore the 72 hour litigation notice for now and wait until 17th to see if they send me the CCA stuff and if they dont i'll send the account dispute one?

 

Yes its a court service publication which they have attached it made me panic. I also changed my BT number to stop them from ringing me :-)

 

Thank you so much for this advice its helping to calm me down and stop me worrying so much, HFO certainly know how to intimidate people!

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I will find Citi address in a minute but regarding a complaint to Experian here are the details. Cerrtainly complain to ICO but you should send a complaint to Experian as ICO will ask if you have done this - I suggest you complain on the website and offer to post them the letter and report by post or electronically

 

Important if you have one of these reports

 

Link below to the e-consumerview complaints page for anyone who has received one of these reports. I would suggest that you register a complaint along the lines of (amend to suit):

 

'I have received a letter (dated...) from a company called HFO Services Ltd who claim that I owe them money for a debt. This letter states that they will (expand on threats......) unless I contact them within 72 hours. Attached to this letter is a credit report on myself which HFO have obtained from your service.

 

I am not aware that I have any financial relationship with HFO or any obligation to them and they have not offered any proof of this. I wish to complain, in the strongest possible terms, about the actions of this company and their use of my data in this way.

 

Can you confirm to me that this company are eligable to obtain my data from your service and are abiding fully with your terms and conditions
link3.gif
and the Data Protection Act'

I am happy to forward you a copy of the letter and report for your inspection - I will be progressing this matter with the Information Commissioners Office and OFT

 

Link to web site

 

http://www.uk.experian.com/e-consume..._complain.html

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  • 2 months later...

Hi

 

I need some more advice please. I sent the 'Account in dispute' letter on 4th Jan and today I have received a letter today from HFO containing the application form for the loan. They havent sent me the requested statements etc! What should I do now? Please help.

 

Many Thanks

 

Louise

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