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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Help needed with HFO Services Ltd


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I'm really interested in this thread as i'm having EXACTLY the same problem, my original debt was £900 or thereabouts definatley not over £1000, i have now recieved 2 letters stating i owe them £1522.67, the first letter stated their 'current interest rate of 12%', i can afford to pay the first amount off monthly over 12 months, however i'm loathed to pay the £1522.64, also as i've been reading some pretty horrific things about this company should i trust them to take off the amount i want to pay each month?? should i set up a direct debit, what is the best way to pay them?? should i phone them or send the letter asking them to prove what i owe firstly....... it's a bit of a minefield all of this but any advice would be greatly appreciated, sorry for jumping on your bandwagon 'enjoycoca', i'm brand new to this and i have no idea what i'm doing, plus it looks like your getting some sound advice

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Hello and Welcome, Loolabelle.

 

I've started a new thread for you.

 

Regards.

 

Scott.

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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The first thing to do is send a prove it letter to ensure they are entitled to be collecting the debt. If you do need to pay them money write and ask them to stop all charges and interest and offer an amount you can both afford and sustain long term - you may find it helpful to fill in an Income and Expenditure sheet for yourself in order to help you do this.

 

DO NOT set up a direct debit as you give them the entitlement to take whatever they want. If you want to do it through your bank, ask for their bank details and pay by standing order.

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Hi

 

You need to get some more facts about this before offering any kind of payment to them. You need to look at the validity of their right to collect this and apply interest.

 

How old is this debt and who was the original creditor? When did you last make a payment?

 

What exactly have you received from HFO and when?

 

NEVER speak to HFO on the phone, say 'in writing' only and hang up.

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Ahh brilliant, thank you, i'm going to send the 'prove it letter' tomorrow, do i send a letter outlining what i think i owe ie: £900 and offer to pay monthly then ask for their bank details and is there a template for such a letter? also is there an available template letter to ask them to stop all charges, it's odd i have to compile letters like this all day in my job and when it comes to something like this i'm lost........... Thank you Tingy for such a swift response

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No, do not enter into any 'conversation' about this debt at all. Just send the 'prove it' and await their response then we can discuss your next step when you receive their response, after all I could write and say you owed me £1000, and you would (I hope) certainly want to know how and why I think you owe me!

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Hi

 

You need to get some more facts about this before offering any kind of payment to them. You need to look at the validity of their right to collect this and apply interest.

 

How old is this debt and who was the original creditor? When did you last make a payment?

 

What exactly have you received from HFO and when?

 

NEVER speak to HFO on the phone, say 'in writing' only and hang up.

 

Original Creditor was BarclayCard. 1st letter i recieved from HFO was a REMINDER NOTICE OF ASSIGNMENT 30 Mar 2011 asking for £1520.64 stating the current interest rate at 12%, the second letter recieved was a 'bog standard' 'ive been attempting to contact you letter' 6 Apr 2011 asking for £1522.67, the information on my credit report states the Default Balance was: £889, Current Balance: £954, Defaulted on 18/01/2006.

 

Thank you for your help Coledog

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DO NOT PAY THEM anything until you have the facts - please read my post above. I am not telling you to avoid repayment but you have to be careful how you deal with this company. There is no point sending the 'prove it' letter and then saying that you owe the money

 

So HFO have sat on this for 5 years and then contacted you? Do you know when you last made a payment on this to Barclaycard and anyone?

 

I think that you need to ring Barclaycard and ask them when the last payment was made and also exactly which company this was sold to and when. Ask for anything they say in writing

 

Barclaycard recoveries 0844 556 0066

 

Rather than send the prove it letter, I would send HFO a CCA request to request a copy of the credit agreement for this. They cannot take action against you if have not properly fulfilled this request and sent an executable agreement. Also they cannot claim interest if they have only just sent a NOA and only if the original credit agreement allows this

 

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 to send after 12 plus 2 working days

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

Edited by coledog

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Agreed!! it wouldn't suprise if they did that sort of thing aswell, from what ive read there have been complaints spanning years regarding HFO, i incredibly surprised the OFT haven't intervened.

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Thanks Coledog, there's not really much else to say, they haven't tried to contact me at work or via my mobile, i've just recieved these 2 letters and i want to pay what i owe (albeit a bit late!!!!!!!!!!!) however i'm accutely aware that HFO try to load on the charges, i thought all that business was stopped, so i should send the prove it letter and wait, should i also contact BarclayCard with the £10 postal order asking them to give me there records also? and one other thing do i have to put a £1 postal order in with the prove it letter to HFO?

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No - send the CCA request with the £1 postal order to find out if they have a valid agreement to enforce this.This will keep them off your back until you can establish the facts.They will probably just ignore a 'prove it' letter and keep harassing you for full payment.

 

I would not offer any payment until you have established HFO's right to collect this amount. They cannot claim interest if there is not a valid contract and also they have never contacted you before or sent you any annual statements. There are also issues over the ownership of these debts by HFO Companies so you need to know who owns it.

 

I appreciate that you would like to settle this, but this has to be on your terms, not theirs.

 

I would also ring Barclaycard, number below, and ask them to tell you when the last payment was made on this also exactly which company this was sold to and when. Ask them to confirm anything they say in writing

 

.Barclaycard recoveries 0844 556 0066

 

This could very well be close to being Statute Barred when it is 6 years from the last missed payment or written acknowledgement of owing this (5 if you reside in Scotland). This would mean that it would not be enforceable

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Coledog,

 

Sorry, but I disagree. The OP needs to send the Prove It letter first to establish that HFO have any right whatsoever to be collecting this debt. This is always recognised as the first and most sensible way to approach a debt, as if they cannot prove entitlement to collect then you know there is something amiss somewhere. Everywhere recommends doing this first. Once they have proven their right to collect, then send a CCA request. This delays things for longer should it be near being Statute Barred and will achieve a more reliable result. The OP will also find that if they don't respond to her Prove It letter, as you rightly say they may not, any further demands for payment can be easily countered by writing back saying please refer to my Prove It letter dated dd/mm/yyyy and placing the account into dispute until you receive this as it is a perfectly reasonable request to which they are not complying.

 

You can then quote both CPUTR 2008 and the OFT Debt Collection Guidance at them to reinforce what you are saying. The first in particular actualyy makes it an offence carrying a jail sentence of up to two years if they fail to reply.

 

CCA needs to come slightly later. You're correct in saying it needs doing, but seem to be forgetting the power of CPUTR and the OFT guidelines. You could go still further and quote the EU Directives at them, but I'd personally save this for later in case they are awkward.

 

In my opinion definnitely a Prove It letter now, then CCA later.

 

Got to get out to do some work now, so good luck OP whichever you decide.

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Loolabelle

 

It is up to you. This is the Prove it letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

Just send it as it is, don't add anything about repayment, as you are not acknowledging that you owe this. send recorded delivery and see if they come back with anything

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No written communication from HFO as yet, although it's early day's HOWEVER they did leave a message on my landline today, which i find slightly odd as the landline number isn't in my name and i can barely remember to give the number out to family and freinds let alone anywhere else, i prefer to use my mobile.......... if they do call and i do pick it up i shall take the previous advice and ask them to send any communication in writing and put the phone down....

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No written communication from HFO as yet, although it's early day's HOWEVER they did leave a message on my landline today, which i find slightly odd as the landline number isn't in my name and i can barely remember to give the number out to family and freinds let alone anywhere else, i prefer to use my mobile.......... if they do call and i do pick it up i shall take the previous advice and ask them to send any communication in writing and put the phone down....

 

Yes

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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  • 2 weeks later...

Update:

 

It's now 12 days +2 since i posted the 'prove it' letter and i have heard NOTHING!!! is that good or bad?? apart from the one time i recieved a voicemail on my landline i have had NO contact from them whatsoever, Now what do i do??? surely that can't be it?? surely they should of contacted me by now??

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Thanks Coledog, so just to confirm, i don't need to do anything else now until they contact me in writing? then i send the CCA request? as they haven't responded within the 12 + 2 day time scale, what exactly does that mean? i suppose if it did end up going to court then i can prove they haven't contacted me????

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Have you been in contact with Barclaycard yet, if not you need to ask to who and when the account was sold. Barclaycard No 0844 556 0066

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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The 12 plus 2 days only applies to a CCA request not the 'prove it' letter. Do keep copies of all correspondence. Anything received from HFO, also keep the envelopes.Send all letters by recorded delivery so that you have proof that they have been received. Yes, it is important to show that you have tried to sort this out. HFO do tend to ignore requests for proof, other than a CCA request.

Please support CAG and they will support you.

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