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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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Egg / Lowell - *** Lowell Bite The Dust Again - Debt Is Statute Barred - SUCCESS ***


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Hi can anyone give me some advice please, I have been in dispute with Egg PLC since 2007, The dispute is over an alleged loan and credit cards, to cut a long story short Egg PLC have assigned/ sold my alleged debt to Lowell Portfolio 1, my question is, is this legal whilst the account was in dispute?

 

Regards

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Hi,

 

I think the commitment not to sell a debt in dispute exists only in the Banking Code, and is not a point of law. The closest I know of is the Consumer Credit Act of 1974, where it becomes a legal matter to continue demanding payment if you cannot provide details of the debt.

 

Basically the CCA (1974) stipulates that a lender cannot sell a debt whilst the account is in dispute, its all linked through s.10 of the CCA which is a cease & desist instruction that means the lender cannot do much whilst the debt is queried, i.e. in dispute.

 

....................................................................................................................

 

 

This account is now formally placed into dispute and you should also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with the three (3) Credit Reference Agencies. Should you refuse to comply, you must within 21 days, provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; you must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond then I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The farcical way in which I’ve been treated gives a clear basis for dispute and as such the following applies:

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you;

* Any payment previously made should be refunded immediately;

* You may not add further interest or any charges to the account;

* You may not pass the account to a third party;

* You may not register any information in respect of the account with any credit reference agency;

* You may not issue a default notice related to the account.

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 months later...

I have been dealing with the above issue with lowell, but the keep ignoring my requests, they keep refering to the letter of assignment they sent, which they say is sufficient to make the sale of the alledged debt effective under the law of property act 1925, but as i mentioned above, my account with egg plc was in dispute when it was sold to egg,

please can anyone advise me.

 

Regards

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Lowell's are complete idiots and chancers.

 

They are well aware of the proper procedures and ignore them as their standard practice.

 

They will not take any notice of any of your letters, I know because I been in the same situation.

 

If they bought a debt that is in dispute then the joke is on them as it's a lemon, if they have been assigned to collect, then just let them waste their time and paper.

 

Send them the letter above and go and have a coffee with a big smile on your face.

 

Lowell's are a running joke and should be treated with utter contempt!

 

(waves to Lowell's, and blows kisses)

 

RI

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Thank RI, they really are a bunch of twits, This account has been in dispute since 2007, if they had all the information they said they had, then I don't think that they would just be sending me letters, surely they would have taken it to court by now?

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As I said, Lowell's are complete chancers!

 

They can't take anyone to court as 99% of debts they get their grubby hands on are unenforcable or Staute Barred.

 

I would say yours is unenforcable and close to being Statute Barred!

 

As long as you have got proof that you have placed the account in dispute with Egg in 2007 then tell Lowell's to 'Feck Off' and ignore their drivel.

 

Also, make sure you report them to the OFT etc.

 

Don't even waste your time opening their letters!

 

They really are the Loosers From Leeds!

 

(big hugs to guests!)

 

RI

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  • 2 years later...

Hello again, it's been over 2 years since I last posted, on Friday I had a letter from Lowell requesting payment for the alleged debt, can anyone tell me when an account becomes statue barred and what does it mean,

Regards

Yoker

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Hi yorker,

 

A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period.

The debt would then be legally unenforceable.

 

If you are in England/Wales then the limitation period is 6 years and in Scotland 5.

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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How are you doing, long time no see, I take it this 'debt' does not show on your credit file.

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

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

If you can, please donate to this site.

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

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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What am I looking for in the credit history, no payments have been made for over 6 years, Lowell purchased the alleged debt in 2009 and I have never acknowledged the alleged debt with them, then I took your advice 2 years ago and all went quiet till now, is the default date that last time any payment was made ? or will Lowell of tried something underhand ?

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Possibly the latter which is why you need to check your file. Trust them at your peril.

Default date is roughly when you started to miss payments, if it's not on your file then it's probably SB and I'd tell them to prove it isn't.

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Hello all and thank you again for your help, I have checked my credit file and the alleged dept accounts are closed, and have been closed since 2008, the odd thing is that each alleged account has two entries, one with a £0 balance and satisfied and one with the alleged outstanding amount, but all are showing closed, my credit record doesn't show any open credit accounts ?

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Good morning, Maroondevo asked me to look in again.

 

My thinking is that LOWELL were not the ' first new owner' of the debt, more than possible because debt is sold in bulk lots and debt purchasers will sell on some of a portfolio.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Hello again, I have a letter from Egg stating that they have sold the alleged dept to Lowell and a letter from Lowell stating that they had purchased the debt, but the the dates do not match what is on my credit report, (18 months wrong)

Egg never informed me that the dept had been sold to anyone else and only to Lowell, my credit report shows the following information. Card 1 - opening balance £0 - closing balance £0 - ( S )The account has been satisfactorily closed Jan 2008 - then the details are duplicated and an opening balance of £0 and a default balance of £x is shown but account is closed - closed date jan 2008 ( D ) A notice of default has been served. This usually arises from non-payment.

Default was applied ofter 2 missed payments, both accounts show CLOSED on my credit report.

Hope this helps

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Lowell have yet to update files it seems, it matters not now when Lowell acquired the accounts (s). Just as long as the default dates remain those shown on the original CRA files, so check any new CRA entries ON ALL 3 main agencies.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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CMF is using 2nd hand data so may not be up to date.

Experian and or Equifax will give better results.

All you are looking for now is entries by Lowell.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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