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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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iQor on behalf of DWP


Emma74
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Hi

 

Looking for some assistance

 

just received a debt collection letter from Fredrickson INT Ltd,

 

asking for me to pay them back an amount of money in excess of £1000.00

 

I called them and they said this was a overpayment made to me back in 2001/2.

 

I had no idea this had occurred back then I was on income support

 

I got a job so applied to working tax credits therefore income support stopped as I was no longer entitled.

 

I have since moved house and they have been unable to contact me,

 

I asked them to speak to the DWP and get some written confirmation sent to me in black and white explaining how this happened

and exactly what it's for,

 

they asked me to send a letter requesting this information to them does

 

anybody have any suggestions or template letters I could use.

 

What would you advice I do next please help.

 

Also the debt agency told me the overpayment was only for £380.00 and now they want over a grand???

 

HELP

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Hi Emma,

 

I've unapproved your duplicate post on this issue and moved this thread to the Debt Collectors Forum, I've asked dx to have a look and advise if poss.

 

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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You don't need a template letter. The letter is straightforward.

 

I refer to your letter dated xxxxxx and my subsquent telephone call to your offices.

 

As I mentioned, I do not believe that I owe any money to the Department of Work and Pensions (DWP) for any period. I have not received any letters from them explaining about any amount being due to them.

 

I would therefore ask you to refer the matter back to the DWP and for you to ask them to write to me with a full explanation of why the amount is due and a full breakdown of how the amount had been calculated. Upon receipt of the information, I will be able to consider the matter further.

 

Thank you for your assistance on this matter. I await the information required.

We could do with some help from you.

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there is alot of this going

 

no DCA has ANY legal powers to demand any DWP over payment

 

here is a like thread:

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?373763-Harassed-by-Fredrickson-International-Ltd-(DWP-Related)(4-Viewing)-nbsp

 

certainly as with ALL contact with ANY DCA

 

NEVER EVER phone them

 

they are SOLELY inteterested in getting money by ANY means

 

and wil say everything they want you hear on the phone

just to get you paying

 

DON'T

 

stay off the phone to them

 

NEVER EVER fall for their ploys

 

they ARE NO BAILIFFS

 

and never will be

 

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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Hi again thanks for your advice I have wrote a letter to the DCA asking them to request a breakdown on my behalf,

 

I also spoke to the DWP asking them what and when this overpayment occurred and they informed it was a overpayment of a £1000 when I was claiming income support back in 2000,

 

I also asked them to send me a breakdown of this.

 

I said if I was to accept this debt could I pay them directly and not have the DCA involved to be informed that I would have to pay this debt to the DCA ????

 

I'm not really sure I want to pay back the DCA ???

 

Any advice would be appreciated

Thanks

Em

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Once you have the information from the DWP, you should enquire about what appeals you can make, as to why you are being asked to pay an overpayment back 11 years after the event. If they have added charges, you should be able to appeal about those.

 

I am not sure I would be happy about it and would ask for evidence that the DWP had written to you about this before.

 

If after making enquiries you have to pay an amount, then you will have to pay IQOR, as they hold the contract for your account.

We could do with some help from you.

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going by other advice on here

 

the debt itself can be sb'ed

 

the only way they can get it back is by taking it from future benefits

 

though ofcourse

if hardtimes hit

it might be better to get it out the way

rather than losing further benefits.

 

do not pay IQOR!!

 

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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I'm confused because DWP refused to let me pay them back and told me to pay IQOR, and I can't believe I being put through this stress when the debt isn't my fault in the first place!!

I thought debts are sb'ed after 6years but with this being DWP I'm panicking.

 

Also unclebulgaria67 the DCA I spoke to said I could not appeal against this as it's been going on for to long?

 

Em

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I'm confused because DWP refused to let me pay them back and told me to pay IQOR, and I can't believe I being put through this stress when the debt isn't my fault in the first place!!

I thought debts are sb'ed after 6years but with this being DWP I'm panicking.

 

Also unclebulgaria67 the DCA I spoke to said I could not appeal against this as it's been going on for to long?

 

Em

 

DWP debts can be statute barred like any other, but the problem is that statute barred doesn't mean the debt goes away - it simply ceases to be enforceable in court. For most creditors, that doesn't make any difference, but the DWP can still collect a debt from any future benefits you may be due, including your state Retirement Pension if applicable.

 

Whether or not you can appeal the overpayment decision depends on when you were first informed of it by the DWP (not by the debt collector). You normally have one month to appeal a DWP outcome decision like this, and it can be extended to 13 months under various circumstances if you can show good cause why you did not appeal within the one month period.

 

I'm assuming you did not receive any letter directly from the DWP, is that the case? Also, don't believe what the DCA tells you about appeal rights. It may be too late to appeal, possibly, but if you haven't received communication from the DWP directly (letters not delivered etc) then you might well be able to argue that as you have not yet been informed of the overpayment, the appeal time clock has not yet started.

 

Oh, and the DWP does not add interest or charges to non-fraudulent overpayments, and if they thought this was a fraud case you wouldn't be hearing from a DCA about it. So any charges etc have likely been added by the DCA and I wouldn't pay them.

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and stay off that phone

 

never ever talk to fleecing DCA's about your debt

 

there is NO legal remit to make you do so.

 

they ARE NOT BAILIFFS and can do nowt to you

 

you need a paper trail of their threats

 

they'll say ANYTHING to get you paying.

 

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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Please Ignore idiot iQor, you won't have to pay them anything.

 

If your unlikely to need benefits in the future then tell them to jog on, and even if you did need benefits in the future they would only take a reasonable amount back over period of time.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Hello

 

Just thought I would update my situation with my over payment from DWP. I sent letter requesting info to Fredrickson LTD they replied stating that the over payment did occur but whilst I wasn't claiming benefits and working I maybe in a better position to pay the debt off now rather than when I was older, I decided to ignore the letter and today I have recieved a letter from Bryan Carter Solicitors LLP asking for a payment in full in the next 14days to Fredrickson failing to do so it will be referred to the solicitors, with additional charges?! What should I do any suggestions should I just set up a payment plan?? I'm slightly annoyed that I'm paying back a DCA if I was to pay back DWP I would gladly do so but they refused my offer.

 

Em

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I also spoke to the DWP asking them what and when this overpayment occurred and they informed it was a overpayment of a £1000 when I was claiming income support back in 2000,

 

I also asked them to send me a breakdown of this.

 

What did the DWP send you? Did they send you anything at all?

 

Have a read of this thread bellow;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?267427-DWP-Overpayment&highlight=SAR+DWP

 

 

Basics are,

No telephone ever all in writing sent recorded signed for get screen print of receipt from Royal Mail website to prove signed delivery.

Dispute debt with Debt Collector

Ask DWP for breakdown of alleged debt tell them the debt is in dispute until such time as.

Once you know which dept of the DWP is chasing issue them with a SAR (see thread 1 above)

See what comes back file it all away and make a decision on what you want to do next.

 

ErikaPNP explains it all in that thread and even supplies a handy SAR template to use. It's free to SAR the DWP as they wave the £10 admin fee so....

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Yes they have sent a letter saying it's an over payment made to me back in 2000/1 and they are claiming I didn't tell them I had started work, I find this completely untrue because I would have informed them of the change and around that time I started getting working tax credits therefore I no longer claimed income support.

Shall I ignore the letter from the solicitors then and send the DWP a SAR.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Statute barred might not work as I believe it runs from the date of the overpayment decision rather than the date the overpayment occurred. Do we know when this was decided? This probably will not be the same date as the over payment occurred and can be many many years after the event.

 

Other than that DWP debt is exactly the same as any other debt and has to be treated in the same way!

 

Where it differs in approach is in stopping recovery (as it's date over payment was decided not last payment) and challenging the debt (all DWP/HMRC/Council debts need checked with a SAR to see if they really do have proof and that you actually owe this money and if you do the overpayment calculation is correct). There are also special rules on appealing an overpayment decision and also on asking them to look at this decision again and making a new decision. Almost forgot the important bit that although a DWP debt can become Statute Barred which stops the usual avenues of normal recovery methods. The DWP can and will try and recover from any future benefits which is why you have to challenge it as ot never really goes away until it is decided one way or the other.

 

If you read that thread I linked too in my previous post it explains the process very well.

 

Emma74 start from stage one as indicated by EricaPNP

 

Letter to DWP denying debt asking for proof/full breakdown - you then follow this up with a SAR (well in your case you're good to go with the SAR now)

 

Letter to Solicitor (whoever is) chasing now telling them no contact allowed except in writing & debt in dispute so you have to stop collection.

 

Just keep and eye on time scales/chasing for SAR/Document returns etc and if anybody else starts chasing send off a debt in dispute letter as above.

 

The standard templates in the debt section slightly modified should do it.

 

Then see what if anything the SAR turns up.

 

This isn't my area really; ErikaPNP knew the ropes very well so it's well worth reading her previous posts on dealing with DWP debt and also that thread I linked too as most if not all of what you need is in there.

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Yes they have sent a letter saying it's an over payment made to me back in 2000/1 and they are claiming I didn't tell them I had started work, I find this completely untrue because I would have informed them of the change and around that time I started getting working tax credits therefore I no longer claimed income support.

Shall I ignore the letter from the solicitors then and send the DWP a SAR.

 

SAR by all means, and the DWP waive the fee.

 

You should also enter their appeals process asap, get the ball moving in the right direction, and yes this is already SB, so although they can request this be repaid, they know that they will not be able to take any legal action against you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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SAR by all means, and the DWP waive the fee.

 

You should also enter their appeals process asap, get the ball moving in the right direction, and yes this is already SB, so although they can request this be repaid, they know that they will not be able to take any legal action against you.

 

Not to disagree with any of the advice offered here, but I would just point out that although debt to the DWP can be statute barred just like any other debt, the DWP can recover it from benefit payments in the future, including State Retirement Pension. So it's definitely worth following the suggestions above, even if the matter can't be taken to court.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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Not to disagree with any of the advice offered here, but I would just point out that although debt to the DWP can be statute barred just like any other debt, the DWP can recover it from benefit payments in the future, including State Retirement Pension. So it's definitely worth following the suggestions above, even if the matter can't be taken to court.

 

Yes sorry I should have mentioned that, I'll suitably punish myself later in the pub!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes sorry I should have mentioned that, I'll suitably punish myself later in the pub!

 

I wish I had friends or anybody I could go to the pub with!

 

Unfortunately I'm stuck with feeling unsafe unless Ray Millard is staring in the old film I'm watching http://uk.imdb.com/name/nm0001537/

 

I'm also shocked at how simple but how bad DWP/HMRC/Council debt are treated on here now!

 

I miss ErikaPNP she was an institution on this board!!!

 

BY institution I mean a godless off righteousness tjhat would have been found by some internet historian who traditionally would have found here image on a pot they've dug up ErikaPNP :!:

 

The fact somebdoy like me has to go see ErikaPNP posts is bad the fact board regulars who are trusted and wisen casn#'t do he same is worrying

 

I said this to Brig we need a DWP/HMRC/Council steps to take post. It would make things easier!

 

The thnig you need to clear up is 'Any time revisions@ as although you say 1 month 13 months it's not that simple!

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I presume you meant to refer to Our Erika as a "goddess" rather than as "godless", right?

 

Anyhow, if you want to discuss the way we handle these issues, could you please start a thread in the Bear Garden. If you wish, you can report it in order to draw the attention of the Site Team, who will consider any matters you bring (coherently) to our notice.

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

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Go on then!

 

I'm just confused that when we had a guru on thin subject her posts are now ignored!!

 

p.s what is bear garden?

 

p.p.s what the **** is this new arrmed forces section?

 

Why are mods moving benrfits questions into it?

 

Sorry but after last time this happened and it became clear that us 'normal' disabled folks were not to impressed tnat maybe juit may be?

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Go on then!

 

I'm just confused that when we had a guru on thin subject her posts are now ignored!!

 

p.s what is bear garden?

 

p.p.s what the **** is this new arrmed forces section?

 

Why are mods moving benrfits questions into it?

 

Sorry but after last time this happened and it became clear that us 'normal' disabled folks were not to impressed tnat maybe juit may be?

 

The Bear Garden is another CAG forum intended for off topic chat and it's also the place where you can raise questions about the way the forums are managed. I don't want to hijack Emma74's thread any further, but feel free to raise any issues there if you wish.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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