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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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NatWest OD facility letters


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Thanks Paul, I read that.

 

I haven't had any communication from the bank for 3 weeks now - it's just my account is closed and is not shown online any more. Paypal has emailed me to say that the long-dormant direct debit facility connected to the NatWest account is now defunct - which doesn't matter as I pay for paypal from my Citibank account.

 

But they did tell me on the phone my account was being closed and transferred to the debt recovery arm. I'll post here when I found out what is going on.

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I made a nuisance of myself again by sending another email to RBS group executive office - asking whether my account is going to a router, and whether the debt will be transferred into a loan account without my knowledge and with a secret interest rate! I got this reply today:

 

 

Your accounts have now been passed to our Credit Management Services (CMS)

department and the team will work with you to agree a suitable repayment plan.

Once an account is moved to Collections it is no longer visible via our Online

Banking site, but does remain open while we collect repayments from you. ...

 

I note your concerns regarding what may happen to your account and to put

your mind at rest I can confirm that all interest and charges have been

suspended on your account. The account number and sort code are unchanged, we

have not and will not open a new router account or transfer the debt onto a loan

or apply secretive interest rates.

 

Good to get that in writing!

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I was pleased to be assured that my account is not going to a router account, and in my email to the RBS executive office, I gave some details of my financial circumstances and made clear my recently increased standing order of £20 a month will remain in place - especially now the executive office reassured me the money will find its way into the account.

 

But today - after CMS has made no effort whatsoever to contact me and made no comment on my £20 a month - I received a letter stating that they have been unable to contact me, and my account collection will now be handled by an outfit called Allied International Credit. I've unplugged my landline today because of that -NatWest don't have my mobile phone number - but having read of the behaviour of that outfit, I've decided to make sure they don't phone me. I will simply carry on paying £20 a month, or overpaying when I have some spare money, to whittle down the debt as I can, but without engaging with AIC.

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Welcome to the black hole and the world of CMS:wink:

 

pj2 its vital that yo keep a record of every penny paid....because they wont.

We could do with some help from you.

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Well, Ford, if it turns out they have put it in a router account - I will have a letter from RBS to use as the basis for litigation.

 

AIC? It sounds like they will try to go for immediate repayment of the full amount - which is what AIC does - but that is just absurd. I read somewhere on CAG how AIC offered to accept just 50% of someone's debt to close their account - and offered to mark the credit file as "partially settled" - LMAO? PMSL? If they offer to accept part of the debt from me for a "partial settlement" on my file, I will know straightaway that that means the balance will be being pursued by some other DCA - so that's how these mugs play this game.

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CMS relocated to brindley place in Brum about 14 months ago and were joined with what remained of the fraud department... wonder if RBS thought that one through?

 

Router account... Not sure that it creates them anymore. As I understood it, it realised it was capable of utilising NW's historic o/s in creating non interest bearing current account/overdraft facilities for dilinquent accounts.

 

I wouldn't waste any energy on AIC, it doesn't have a great remedy to offer you. Perhaps play RBS at its own game and email it thanking it for agreeing to the arrangement of £xx per month.

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Router account... Not sure that it creates them anymore. loyds still do them!

 

I wouldn't waste any energy on AIC, it doesn't have a great remedy to offer you. Perhaps play RBS at its own game and email it thanking it for agreeing to the arrangement of £xx per month. ditto. if paying, pay to original creditor only not any dca

 

:)

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Well, I had worried that my account number had been deactivated so I couldn't just carry on paying NatWest, but the answer I got from the Executive Office shows I can carry on using that number - and the money will get there. So I won't respond to AIC

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I'd set up a standing order to your account at an affordable rate and confirm the arrangement by email with Natwest.

 

Add a comment regarding the misleading template correspondence from CMS so that you have a written record of events as they occur.

 

I wouldn't bother saying any more than you need to get the point across.

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I have a Standing Order set up for £20 to pay this NatWest debt - but now Allied International Credit are involved, they want a bit more (£29) - but the thing is they sent me a Standing Order Authority form to fill in. Is there any danger in filling in their Standing Order Authority to replace my existing standing order? does it thereby give them the right to vary the Standing Order as if it were a direct debt mandate? Also, the RBS Group Executive Office told me my existing account number was still live, and so I could pay in to that but AIC want me to pay into their account. Should I do that?

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I have a Standing Order set up for £20 to pay this NatWest debt - but now Allied International Credit are involved, they want a bit more (£29) - but the thing is they sent me a Standing Order Authority form to fill in. Is there any danger in filling in their Standing Order Authority to replace my existing standing order? does it thereby give them the right to vary the Standing Order as if it were a direct debt mandate?

 

No replace one with the other and cancel the first

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Andy I'll do that, but since you posted, I changed my original post to indicate they're asking me to pay into an AIC account with a reference number that probably relates to my debt - which means if I agree to their standing order it will go to AIC and not to my existing account. Maybe it makes no difference - but maybe it does and AIC will start charging me as a "customer" of theirs?

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Yes I take your point...but as long as you have record and proof of who you are paying...makes no odds...you wont become a customer of theirs they dont have an agreement with you nor do they have a Credit Licence to lend money.

We could do with some help from you.

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  • 2 months later...

After setting up a standing order to pay AIC £29 a month in October, I still owe more than £3100, and I have had a couple of letters from them saying "we don't seem to be able to get hold of you" - although I'm wondering why only a few months after starting a repayment facility they are trying to hassle me. Today I received an Early Settlement Offer.

 

It says: "AIC are currently reviewing your file to consider if further action is warranted. At this point, there is an offer on your account that would allow you to settle the outstanding balance with a discounted value. This payment can be made in up to 4 monthly instalments.... On payment of the agreed amount, your credit file would be marked as Partially Satisfied" - or alternative I should phone them to arrange an alternative repayment option (which I thought I already had in place).

 

Does this mean they are offering a lower amount that would clear the whole balance? Or would it only clear part of it, and then be shunted onto for the balance to be reclaimed by someone else? I am wondering how to reply, as the letter does say they are thinking of "further action" only a few weeks after I set up a repayment facility.

 

Any ideas what I should say? They have offered to let me contact them by email and not by phone, and I would do that so there is a record.

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" On payment of the agreed amount, your credit file would be marked as Partially Satisfied"

 

Just after more...you have an arrangement...disregard...payments on the drip are no use to these parasites they want big payments hence the offer.

 

Regards

 

Andy

We could do with some help from you.

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  • 10 months later...
re robcags case, it seems that he did rely as a 'key' on the fact that 'they' said that they could not provide copies of the facility letters that they mentioned in WS even though it was 'standard practice' to send them. that was re a summary judgment application which was refused. and, they later discontinued. but, it seems to have since resurfaced?

 

did you get a copy communications/timeline log to the relevant date? if so, and doesn't show anything, then could use that.

here is robcags thread for reference. as said, it seems that he may have been 'lucky' re the J lottery on this at the time, and it has since dca resurfaced. http://www.consumeractiongroup.co.uk/forum/showthread.php?241052-Irwin-Mitchell-NastyWest-overdraft-claim-***-Won-With-Costs***

 

A bit late, but an update to the DCA question;

 

 

I just ignored it and heard nothing further.

 

 

AFAIK (I only check Noddle - i.e. CallCredit), no default was lodged by NW with the CRAs.

Edited by robcag
Tried to change layout of answer but not able to.
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A bit late, but an update to the DCA question;

 

 

I just ignored it and heard nothing further.

 

 

AFAIK (I only check Noddle - i.e. CallCredit), no default was lodged by NW with the CRAs.

 

thanks for updating rob

did the facility letter request end up keeping them at bay for good?

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did the facility letter request end up keeping them at bay for good?

 

Never say never, but all quiet ATM.As you know if you've read my Defence (both SJ and Amended Defence), part of the argument I put forward was that the overdraft came about with the tacit agreement of NW; i.e. by NW allowing me to overdraw on my account from time to time and for me to pay it back, and me gradually increasing the amount borrowed.As I see it, on the 'balance of probabilities' that is a perfectly feasible argument. It seems the judge at the Summary Judgment hearing was willing to weigh that possibility against NWs argument that Facility Letters would have been automatically sent.

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Never say never, but all quiet ATM.As you know if you've read my Defence (both SJ and Amended Defence), part of the argument I put forward was that the overdraft came about with the tacit agreement of NW; i.e. by NW allowing me to overdraw on my account from time to time and for me to pay it back, and me gradually increasing the amount borrowed.As I see it, on the 'balance of probabilities' that is a perfectly feasible argument. It seems the judge at the Summary Judgment hearing was willing to weigh that possibility against NWs argument that Facility Letters would have been automatically sent.

 

 

cheers, will revisit yr thread.

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