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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.  
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    • 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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Welcome finance ( oh no not again)


angela p
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Hi,

been reading all your advice to people about welcome finance and yes you"ve guessed it, we are in the same boat!

I would really appreciate a little of your time if you can spare it.

Here goes.

 

In 2007 my son took out an unsecured personal loan for £2000.

 

got into difficulties and after trying to resolve,

he was persuaded to re-write the loan to the tune of over £5000,

this extra £3000 was made up of charges, eg, interest, letters, phone calls etc, he opted out of the ppi.

This was in Jan 2009.

 

Because of the high interest he could"nt get on top of it so we stepped in and asked for a settlement figure,

 

we agreed on £2,800,( they actually wanted over £6000!).

I paid this over the phone with my debit card,

i know now that was TOTALLY the wrong thing to do.

I was told account now closed and a letter would be arriving to say so.

 

Of course this never arrived after many phone calls.

 

We thought that was that but

 

after a whole years silence we were told account still open and accruing interest to the tune of almost £ 10.000!

 

Welcome threw out our complaint

 

went to FOS who after 6 months told us we had to pay.

We refused to accept this as so many discrepencies ( i have all the phone recordings from welcome that have been well and truly doctored)

 

The stage we"re at now is Atlas debt recovery have agreed on a settlement of £2 250,

which ages ago we said we would pay just to get them off our backs

but now i am reluctant as we have actually paid welcome over £4800 already,

 

am i to late to do anything about it?

 

Is it best to go down the ppi route (he paid a small amount on original loan)

Also all those charges!!?:-x

 

We are getting presserised to pay Atlas this money,

should we just pay it and try to claim back later?

 

Any suggestions please anybody??

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Hi there , have posted thread already but not sure in right place ( new to this). Basically loan taken out for£2000 in 2007.

 

My son got into difficulties paying it and they persuaded him to re-write. Giving him a new loan of over £5000, the extra£3000 were all charges and interest.

 

Such high interest he couldn't get on top of it so I stepped in and asked for a settlement figure, we mutually agreed on £2800 which I ( stupidly paid over the phone) .

 

Was told loan now cleared, account closed, woopee. No letter arrived as promised and a year went by then the calls started. The loan was still running and accruing interest to the tune of almost £10.000!

 

The office which we had dealt with had closed and no information was available, although they said the £2800 was recorded as a payment off the loan, yeah right.

 

Have since got all phone recordings from welcome and they have been well and truly doctored.. Welcome threw out our complaint so we went to fos, who after 6 months said we had to pay a short settlement but we disagreed due to so many discrepenciesf.

 

After an age with no correspondence from welcome, atlas debt recovery called to offer the short settlement of £2250 or to go down the ppi route.

 

So tempting just to pay to get rid of them but we've paid around £4800 already. We are getting hassled to pay or things get serious with litigation etc. Don't think much ppi to claim as opted out on second loan. HELP!!

Edited by citizenB
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Hi angela

 

I think you need to get a Subject Access Request out to them immediately. This will require them to send all details relating to the account. This one is geared toward debt collection so is what you need.http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for

 

You need to send the letter along with £10 - preferably get someone else to write a cheque for you so that you don't have to sign it, or use a PO. Do not just sign the letter, use a digital signature or your signature but on a background that ensures it cannot be lifted. Send by Recorded delivery, or if you can afford it Special (preferable as the tracking is usually more reliable).

 

It also wouldn't hurt to send a CCA request to them - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

Again, don't sign.

 

Do not under any circumstances accept settlement offers from Debt Collection agencies. Almost invariably they will word it so that the debt is settled with them, but they'll neglect to mention that they will sell the remainder of the debt onto the next chancer. Equally, PPI does not need a claims company to sort out, you can do that yourself with a standardised form that

 

Do not talk to them over the phone. As you've discovered, they lie through their teeth. Send a letter (again recorded delivery at the least) informing them that you will only contact them via letter and will not talk about financial matters over the phone. As long as you give them a viable alternative to phoning they will have to follow your request. They will still try and phone, just refuse to go through security and reiterate to them that you have written requesting all contact to be in writing.

 

If you have the funds a Truecall machine is a godsend - it's about £100 but you can plug anyone's number into it and it will stop them getting through to you. Failing that, and if you must talk to them on the phone, buy a cheap recorder (we had one from Argos for about £25 if memory serves) that you can record calls with.

 

If they're sending you letters threatening legal action, check the wording. Are they saying things like 'we may' 'if we decide' 'we could' or is it 'we will'? If it's anything like the former, it's less likely that they are serious and more likely they are just trying to rattle you.

 

Above all, try not to worry too much. I know that seems a ridiculous thing to say, but remember, it's not like they can chuck you in prison for having debt. They can't send a bailiff round unless they have already taken you to court, had a payment plan agreed by the court and had you fail to pay it. They can't force you to pay an indeterminate amount of money for a loan that they have not kept you up to date with (particularly if they have not contacted you for a year!) How would they justify to a court that you were apparently building up this huge debt without paying, and yet they let you get on with it and didn't try to approach you for 12 months?

 

I'll flag this up so that it gets moved to the right section for you, but please in the meantime take a breath and don't let them panic you.

 

Lexis x

Time flies like an arrow...

Fruit flies like a banana.

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Hi Lexis,

thanks so much for your reply,

it was extremely helpful and full of useful imfo.

 

I requested an SAR months ago, sent my £10 off and received back ONE page,

which was a very recent statement with about 4 transactions on it.

 

Also sent off another £10 for phone recordings which took an age to arrive and as i said,

relevant conversations were missing or completeley false.

 

Its all been a nightmare really but glad to talk to like minded people who are in the same boat.

 

I will go through the motions again now as a bit more savvy thanks to you,

so glad i found this site.

 

Will keep you imformed but dont hold your breath!

 

thanks again, angela x

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Hi angela:)

 

Rather than start again with an SAR, have you written a formal complaint regarding the lack of content? If not, I'd get one off asap giving them 7 working days to comply fully or you will be trotting off to the Information Commissioners Office. If they haven't supplied anything on the 7th day (which I'd bet they won't), you can make a complaint online to the ICO and they may help you. It takes an absolute age for them to do anything, but if Welcome do go down the route of court (going from my own personal experience of the creditors/dca's I've had this would be highly unlikely) it would show that you have been trying to find out what has happened.

 

They were also a bit cheeky in taking another tenner for the phone recordings - that should all come under the remit of the SAR!

 

I have to say I've tried the ICO on a few occasions and found their help less than stellar, but it does show you don't believe the information given is correct and are trying to rectify a situation THEY have caused. It all helps.

 

I think I would also be inclined to write to Welcome and put the account into dispute with them. I would have thought that having a debt jump up so much with no prior warnings, and no information from them as to how it managed to climb so high (especially when you had been told it was cleared) would be a very good reason to do this. There are two letters in the library regarding disputes. They are more for if they've not supplied you with your agreement, but I'm sure you could tweak or make your own.http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

You mentioned in your original post that they got your son to 'rewrite' for another loan. Do you mean he signed another agreement? Have you got copies of any agreements? I don't know much about Welcome tbh, but possibly they are like numerous other companies who don't get their ducks in a row with contracts. It's worth a look. If you don't have copies, send off the CCA request letter (or did you do this as well as the SAR?).

 

Also, I've just read your PPI bit. If you have any statements from then showing it it's definitely worth a go. Regardless of whether they changed the account at a later date he will still have 5 years of PPI accumulated, and assuming he meets the criteria of mis-selling that may be a nice little lump. Ditto the charges added to the second loan (you really need that SAR to find out how they've managed to find 3K of charges and interest on a 2K loan!).

 

Just one other thought - have you any proof that they've doctored phone calls? Notes you made at the time, recordings of your own etc? I've never come across this before in my own situation (they've lied while I've recorded them, but not gone so far as to send me falsified recordings etc!), but if you have any proof at all I would imagine they could be in a whole world of trouble.

 

Keep on keeping on, you'll get there in the end :)

Time flies like an arrow...

Fruit flies like a banana.

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Good morning and many thanks for taking the time to write.:-)

 

most of the comunication has been by phone and no unfortunatley i havent recorded the conversations.

 

Needless to say now i shall only comunicate by letter or if i really have to speak to someone WILL record it.

I suppose we"ve been a bit naive in thinking someone could be so dishonest, how wrong we were!

 

In answer to your question, yes my son signed another agreement,

he was getting hassled so much at work and at home he just wanted rid so just went along with it, silly boy!

 

We do have copies of the agreements and on the second loan ( on the incoming/outgoing attachment, cant think of the official name)

they left him with 43p per month to live on after all his outgoings!

 

We have been through all of this with Welcome and then the FOS , stating it was a miss sold loan

but they are having none of it, saying he had the money so has to pay it back.

 

But he actually only had £2000 originally!

 

The letter stating that he owed nearly £ 10,000 came after Welcome had thrown out our complaint and that the existing loan (WHAT existing loan?!) would run until 2015

and that the final amount paid would be almost £10,000.

 

The thing we hear time and time again, by all parties concerned is that "you have no written proof of settling the loan"

which is true but why else would we have paid £2800 in one lump sum?

 

The urgency to pay it was my son was going traveling and we wanted the debt cleared, wish we hadnt bothered.

 

As for having proof that the phone recordings have been doctored,

obviously i made notes at the time but again they are deemed useless.

 

The recording of the conversation when we settled the loan states that we wanted to make a substantial one off payment TOWARDS the loan,

what utter rubbish, what sane person does that unless you"ve won the lottery!

 

Luckily we do have our own bank statements stating what we have paid off the loan

but no Welcome statements prior to this as my son binned them them thinking it was all over

but the few statements we do have show £100 per month captilization, another word for interest apparently.

 

Then all the charges for letters, phone calls, visits etc and the list goes on.

 

Also it was`nt an instant decision regarding a settlement,

 

Welcome took about a week to agree which kind it of makes it worse and also my son has repaid every penny to me.

 

I think the next step is to get off some more letters and thanks to you i feel in a slightly stronger position, to hell with them all!

 

many thanks again, will keep you posted, Angela X ps if you think of anything else i can hit them with please let me know!

Edited by citizenB
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Wow, that all sounds massively fishy!

 

The one thing that really jumps out at me is the 43p to live on - that's just unbelievable and they should be brought to task over that.

 

I'm gong to try and get you more help with this as I think you need someone to give you a complete rundown of what you can/should be doing to get this sorted. I can give advice based on my own experiences but obviously I'm not an expert;)

Time flies like an arrow...

Fruit flies like a banana.

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Hello, responding to S.O.S. sent out by lexis :)

 

I dont think that I will be able to help much, however, I think I know a few people who will be able to and I will direct them to your thread.

 

First of all, it does not seem to me as though Welcome have fully complied with your Subject Access Request and you need to sort that one out.

 

You should have received at the very least statements covering both the new and old loan, a detailed communication log - which is a kind of computerised diary which shows all the actions taken on your account.

 

I suggest you send a "failed SAR" letter, which you will find in the CAG library - linked at the top of each screen.

 

The data should go back at least as long as 6 years, if not longer.

 

If they refuse to provide this, then you can either make a complaint to the Information Commissioner or indeed issue a claim against them to force them to comply.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi angela

 

I am in the process of sorting a Welcome claim out for someone else. Doing rather well, but I can't post details ATM. One day!

 

Do you have the original and refinanced loan agreements? If you do, could you scan them, blot out the personal details (name, address) and post them here.

 

From my experience, there is lots that can be done. Don't pay them anything. If you get letters from a debt collection agency, write back and say that the account is in dispute and suggest they send the account back to Welcome. Don't speak to them on the phone. As you have already found out, there verbal agreement is not worth the paper it's (not) written on.

 

 

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Hi there,

many thanks for your message. We do not have the original copies unfortunatley, only copies received from welcome which are very faint and hardly legible to be honest but i can just about pick out the important bits! I think the scanned version will be totally unreadable! Will do what you suggest tho and write to the DCA as well as Welcome. Will keep all you good people posted! Angela X

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Before you write, can you tell me if there was any PPI and/or other insurances on the original agreement and if they were carried through to the second

 

Also can you give me all the figures - loan amount, cost of credit, APR off the 2 agreements.

 

If there are any insurance or PPI elements on the first agreement, there will be loads you can claim back since Welcome will probably have been completely dishonest about what was put on the agreements

 

 

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