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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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phillips recovery of a mgistrates court fine


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hi there, i recieved various letters from phillips ranging from asking me for money owed to the court to saying that a bailiff had been to my property and added £200 onto the account. it is now£740. i e-mailed phillips as i could not afford the premium rate call from my mobile(pay as u go) i am on Benefits and told them i could afford to pay £20 per month on the 28th. When i asked this they said that this is called a "voulantry payment" and did not meet what they were asking, i said what is the minimum i have to pay, and was told "as it is not means tested, you have to pay in full,or, over two months, if you cannot find the money, ask someone, if yf you still cannot get it then we will have to carry on with a bailiff visiting your premesis to remove goods" i live in a rented flat and i am currently not woking,and on benefits, i have set up a standing order with them for £20 per month, but they now tell me its not good enough, i simply do not know what to do, am i wrong to assume that as i am paying them something, they cannot remove goods?? thanks for any help with this!!

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hi there, i have an unpaid magistrates court fine fo £540, which i rang the magistrates about,in november last year, they said they would send me a means form, in December i recieved a letter from phillips saying they are visiting my flat if i did not pay, i rang the magistrates court up, told them i had never recieved a means form, they siad, i should have rang them and chased it up, because i did not, they called upon phillips, i recieved more letters, io e mailed phillips and told them i am on Benefits and can not afford to pay the £740 as it was now as a bailiff had been to my flat??? no eveidence of this whatsoever!! i said i can only afford to pay £5 a month, they said i can, but this is called a voulantry payment and isnt suitable, i saked what is, they said, The full amount or, split it over two months, iwas told do this or bailiffs would be coming. I then rang them and said i can afford to pay £20 a month, i was told "ok, we will look into that for you." i set up a standing order for £20 on the 28th of each month, this came ut in february and was in there bank on the 2nd of march. I thought this was going to be the way until i payed it, but today i recieved another letter saying i hasd not paid blah blah, i rang them, explained i had set up tyhe S/O for £20 per month, told them i was on benefits, but they still said "you can pay this amount each month but it will not stop them coming unless you pay in full" is this the way?? am i wrong to assume that as i am paying something, the bailiffs cannot come and force there way in and remove my belongings?? thank you for any advice.

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iwas told do this or bailiffslink3.gif would be coming

 

What you must understand, you are under no legal obligation to allow the bailiff entry to your home. They can only enter & take legal possession if you allow them peaceful entry. Do not under any circumstances allow them into your home.

 

am i wrong to assume that as i am paying something, the bailiffs cannot come and force there way in and remove my belongings?? thank you for any advice.

 

If you have entered into an agreed payment plan, do not be bullied into paying more then you can afford. They CANNOT force there way in to a residential property. If they come to your door, and they will be polite & ask if they can come in & discuss matters. Say NO.

 

£740 as it was now as a bailifflink3.gif had been to my flat

 

They have inceased the debt by £200. There are set limits to what a county court bailiff can charge. These are excessive. Send a letter, and make a formal requst for a breakdown of this fee, and you require proof that the bailiff attended on the day specified. Do not be intimidated by these bullies, that is exactly what they want. Stand up to them. You have rights.

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the taxed man welcome to The Consumer Action Group community.

 

You haven't received any replies to your problem yet so you might be better off posting your story again directly in the sub-forum which deals with your kind of situation. You will get lots of support there.

 

Also, spend some time looking round the forum. Once you understand the layout, you will be able to get best use from this Consumer Community. It is a big forumm and may take some time. But it will be worth doing.

Good luck.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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visit national debtline website

download & digest bailiff factsheets

-will tell you exactly what they can & cannot do

 

could also ring them, if you want - daresay they will help

 

[in my amateur opinion, £20 sounds very fair - however do they know you are on benefits, yet?

[you can use an expression such as " this household presently only enjoys a minimal benefit level income" to leave you some ambiguity elbow room]

if they do know you're on benefits, what they will want is £8 per week, more or less-

my amateur advice -pay them nothing until you secure their agreement & negotiate monthly figure upwards only VERY slowly

eg next offer £21.45 per month - maybe squeeze in a "this household is always keen to service outstanding obligations" - ambiguous about whether you have other debts, you see? might give them pause, in case, if they squeeze you too hard, you'll go bankrupt

 

be prepared to waste MONTHS negotiating a monthly figure & INSIST on them sending you receipts acknowledging each payment

[i advise paying postally, & conducting negotiations by royal mail recorded delivery - keeping your paper trail straight & "ducks in a row", as potential supporting evidence, for the [extremely unlikely & best avoided] event that you have to explain your actions to, say, a court]

-good luck

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thank you very much for the advice, its comforting to know this, god knows how these people/companies continue to operate this way, the rules and regs/law with these firms even seems to baffle solicitors!!

thank you once again

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hi there, i have an unpaid magistrates court fine fo £540, which i rang the magistrates about,in november last year, they said they would send me a means form, in December i recieved a letter from phillips saying they are visiting my flat if i did not pay, i rang the magistrates court up, told them i had never recieved a means form, they siad, i should have rang them and chased it up, because i did not, they called upon phillips, i recieved more letters, io e mailed phillips and told them i am on Benefits and can not afford to pay the £740

 

£540 or is it £740?

 

Bailiffs cannot charge you "fees" for collecting an unpaid fine. http://www.hmcourts-service.gov.uk/courtfinder/forms/ex345.pdf On page 3 under Magistrates courts. It says bailiffs are not allowed to charge you more than the amount you are fined.

 

This is an official advisory says there is an agreed scale of fees which bailiffs can charge, however that is by way of a contract between HMCS and the bailiff. There is nothing in that contract that says it can be charged to the debtor, and in any event, there is no contract (or court order) obligating the debtor to pay any fees. The HMCS contract allows the bailiff to deduct the fee from the fine collected and the balance is paid to HMCS.

 

There are plenty of examples to backup this position:

 

This poster contacted the Magistrates court manager about a bailiff (Phillips) who charged her "fees" for collecing an unpaid fine - and miraculously, Phillips made the fees disappear,

http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/229873-help-philips.html#post2547500

 

And this poster recovered his fees from the bailiffs for a Bus Lane fine after filing a Form N1 in the county court naming the bailiffs as the defendant. The bailiffs refunded all the fees, but only on condition of no adverse publicity against them.

http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/254610-n244-county-court-action-2.html

 

This confirms bailiffs do know the official position on charging fees on to the debtor, - and are aware of the criminal liability if they are caught. See Section 2 of the Fraud Act 2006 and Section 40 of the Administration of Justice Act 1970.

PS. If a bailiff tells you owe more than the law says you do, then he commits a criminal offence of Fraud by False Representation. A offence cheargeable under Section 2 of the Fraud Act 2006. Its up to you to decide how much fun you want to have with that.

Professional property investor and conveyancer

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hi there, thanks for the reply, it was £540, but phillips are now saying £740 as a bailiff has visited???(no proof anywhere of this) they have added £200 to the account. i have never seen or had any documention(apart from a letter sent via royal mail) that a bailiff has visited the flat. i will keep on paying the £20 a month and see what happens, wwhen the fine is paid ie, the £540 i will stop paying, and take it from there. thank you

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hi and thanks, yes they do know i am on benefits, when i told them this, they said it does not matter because it isn't means tested and i must either pay in full or over two months!! i will wait for the next letter, thank you.

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