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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help! Husband's 18year old mortgage debt landed on our doorstep today. I'm terrified.


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Hi, Thanks for your kind thought, I hope everything stays peacefull and quiet for you!!!

 

Have a very happy Christmas:whoo:

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POD

 

Have a good Christmas and a much better 2013 !!! Provided those bl**dy Mayans are wrong about tomorrow.

We could do with some help from you.

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in there not out there...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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in there not out there...

 

dx

 

??????????

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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OOpps! sorry!!

 

Uncle B,

I got the quote from the song wrong! D'Oh!

its the other half that's the Pink Floyd fan.

That's my excuse and I'm sticking to it!

 

It's the Christmas sherry then:shock:

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

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  • 4 weeks later...

Hello everybody and a Happy New Year to everyone except.....

 

We received a letter from the lovely SS's today. I note thay have rebranded their stationary, nice to have the money to spend on such fripperies!

 

Anyhow, they note their 'client' gave a 'full response to our queries/ complaint, raised in January last year, which were issued in March last year' and since then have received 'no settlement proposals in respect of our outstanding liability'

 

They enclose some forms requesting my OH's financial details and 'wish to arrange a monthly payment plan', (that would be 'til the end of time then) or alternatively that their 'client would be prepared to accept a one off lump sum'...they make it sound like a great offer available only to us...bargain rates, sale ends next week... etc

 

There is also a paragraph stating that these offers are 'strictly in respect of our liability alone and they reserve the right to pursue all other parties to the mortgage including any guarantors for the remaing sum outstanding

 

Whatever that lot means

 

So guys, have I missed something here????

 

Was'nt it in November that the FOS informed us that there investigation into our complaint against the H complaint was ongoing???

 

What are SS's , with their fancy new stationary, playing at????

Answers on a postcard......

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SS's ??

 

that a discount letter [begging letter]

 

which is always good news

 

means they know they dont have a leg to stand to goto court

 

the rest is just waffle to frighten you to make contact DON'T!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Send them a copy of their letter, together with a copy of the FOS letter from November, reminding SS's that the FOS are currently dealing with the matter. No need to say anything more, as their letter has been sent by mistake. They are not supposed to send these letters while the matter is still under review by the FOS.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Send them a copy of their letter,

 

The one that came today?

 

] their letter has been sent by mistake.

 

Really, I thought these guys didnt make mistakes??

 

They are not supposed to send these letters while the matter is still under review by the FOS

 

Yes that was my understanding of it too.....

 

So something in the order of...

May I remind you that this matter is still under review by the FOS and contacting me in this way contravenes the (what????) you naughty, naughty SS's

 

Shall I wait 'til the weekend just in case they know something I don't

ie a letter is on the way from the FOS saying all hope is lost, go directly to jail, do no pass Go, do not collect £200....

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Send them a copy of their letter,

 

The one that came today?

 

] their letter has been sent by mistake.

 

Really, I thought these guys didnt make mistakes??

 

They are not supposed to send these letters while the matter is still under review by the FOS

 

Yes that was my understanding of it too.....

 

So something in the order of...

May I remind you that this matter is still under review by the FOS and contacting me in this way contravenes the (what????) you naughty, naughty SS's

 

Shall I wait 'til the weekend just in case they know something I don't

ie a letter is on the way from the FOS saying all hope is lost, go directly to jail, do no pass Go, do not collect £200....

 

Yes a copy of their letter and a copy of the FOS letter. I would not bother writing out another letter. Just write on their letter. Think you have sent this in error, as this matter is still under review by the FOS, as per their last letter. Then just put in an envelope.

We could do with some help from you.

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No. I doubt that SS would be aware of anything, as they would have put something in their letter about the FOS decision, if they had been. They would have put something like. Now look here you daft mare, the FOS have told you that you have lost, so pay up or else.

 

If Halifax have not been able to get hold of the payment details, then I can't see the FOS ruling in their favour. I am pretty sure the FOS would view this the same as a court, that if there is no evidence of the payments being made by the mortgage holder, then it would be difficult to rule in favour of the mortgage company. If the debt collection agency (DCA) had kept better records, then this would have been decided by now. So it is pretty fortunate that the DCA were rubbish with their record keeping in this case.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Keep a copy of what they sent and your response for your own records.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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So the original letter/forms and bumph back to SS's with a note written on it (keeping a copy of this for my records)

and a copy of the last letter from the FOS.... 1st class ? Recorded delivery???

 

Just a thought.....

on the letter from the FOS they show my name, which is not the same as my husbands, as i am his authorised contact for the FOS...

Now do I want SS's or the H to have that information...

Should I delete/ obscure it?

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Just a standard letter. SS obviously did not realise that the FOS were still involved.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 2 months later...

Hi Guys, Uncle B,the Brig

 

Well we received the final decision from the FOS this morning,

 

I knew time was ticking down and have been dreading it and I was right, I'm afraid....

it's not good news! :sad:

 

they have based their decision.....

'on the balance of probabilities...ie what (they)consider is most likely to have happened in the light of the evidence'

 

They say thay are........

'satisfied the H contacted (my OH) within the 6 year period, and that he made payments toward that shortfall up until 2000 and do not consider the H have treated him unfairly'

they also state that

'they do not consider that the H acted without due diligence in marketing and selling the flat'

 

so they will not uphold the complaint.....

 

they have included a little card for us to return by May 13th, either.....

 

accepting their decision which will become legally binding (AAAGGhhhh!!!)

 

or rejecting the decision,which will apparently not affect any legal rights he may have.....

 

which seems to be an interesting turn of phrase...what legal rights may we have??????

 

Absolutely none I suspect.

 

So guys, that's us down the Swannee is it????

 

:help::help:

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