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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi need some advice, my partner opened our door to a ballif last year she unwittingly let him in he proceeded to make a list of items to take .the debt was water rates £1030 she agreed to pay £100 per month .. we paid all intallments .we got to £900 i rang marstons asking how much we owed .i was astonished when told we still owed £800 when i questioned why i had the phone put down on me .i rang water company they said that out of the £100 payment marstons was only giving water company £22 how much can they charge for their part .if i carry on paying this it will be over£4000 i have .i have paid £1300 as it stands can any one help thanks

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Do you still have the list of goods as notified on the Notice of Seizure, if so can you list them exactly as described? Have you ever been given a breakdown of the charges they have applied?

 

There are 3 other things you can do one of which is very important.

 

1 - apply for a Variation Order - this is done on Form N245 available from HMCTS website, quite simple to fill in & includes I&E to submit to the Court. Cost of the application is £45. This allows you to pay the Claimant direct.

2 - apply for a Stay of Execution against the HCEO, if granted this halts all further enforcement action & charges. We can establish all the grounds you can apply on once we know some of the details asked at the beginning of this post but we can start with:

a - you cannot afford the fees they are charging

b - pending determination of a Variation Order

This is applied for on Form N244 and is a little more awkward to fill in but do have guide to help. Cost of this application is £80.

3 - Send the HCEO a SAR request. Well worth the £10 cost.

 

For items 1 & 2 if you are on a low wage or certain Benefits then you mayy not have to pay the Court fees, see Forms EX160a & Ex160c for details.

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Do you still have the list of goods as notified on the Notice of Seizure, if so can you list them exactly as described? Have you ever been given a breakdown of the charges they have applied?

 

There are 3 other things you can do one of which is very important.

 

1 - apply for a Variation Order - this is done on Form N245 available from HMCTS website, quite simple to fill in & includes I&E to submit to the Court. Cost of the application is £45. This allows you to pay the Claimant direct.

2 - apply for a Stay of Execution against the HCEO, if granted this halts all further enforcement action & charges. We can establish all the grounds you can apply on once we know some of the details asked at the beginning of this post but we can start with:

a - you cannot afford the fees they are charging

b - pending determination of a Variation Order

This is applied for on Form N244 and is a little more awkward to fill in but do have guide to help. Cost of this application is £80.

3 - Send the HCEO a SAR request. Well worth the £10 cost.

 

For items 1 & 2 if you are on a low wage or certain Benefits then you mayy not have to pay the Court fees, see Forms EX160a & Ex160c for details.

hi don't think we have the list he first posted a letter listing a car which was on the drive...then he came back that's when he came in .it was tv / laptop....kitchen items kettle microwave..and no we never had a break down of charges just a letter saying pay £100 a month until further notice

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The list of items seized is quite important - have any of those you mentioned been scrapped, sold or replaced? I would suggest you get the Subject Access Request sent off tomorrow and work on the Forms ready for sending off ASAP, may take a day or so to get them sorted. Here's an example of a SAR, use & adapt at will & send by a trackable means.

 

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Date

 

Dear Sir

Data Protection Act 1998

Subject Access Request

 

Dear Sir

 

 

Please supply a complete list of ALL the data held and used by you that relate to Mr XXXX. It is also to include third party information held with all other agencies.

 

Additionally where there has been an event in the account(s) history during the period accounts have been placed with you that have required any manual intervention by any member of your staff or any other person I require disclosure of any indication or notes which have been caused or resulted from that manual intervention.

 

I would like to bring to your attention data can be held in written information, e-mails, electronic documents, photographs, CCTV images, telephone conversations and include any recorded or written opinions about me/us and any recorded or written intentions and action taken regarding me/us.

 

I/We would like this information to be sent to my/our home address as listed above. You have 40 days in which to comply.

 

To satisfy payment to supply this information I/we enclose a fee of £10 this payment must not be used for any other purpose.

 

 

Yours sincerely

 

 

A Peeved Debtor"

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They also cannot force entry, despite having a walking posession order (and what they will claim)

 

They will need a (rarely given) signed warrant from a magistrate/judge to force entry. And would have to notify you in advance. Unless its different for HCEO's but I don't think so, not for private homes.

 

Given what you have paid, I would think there is absolutely no chance a Judge will sign a warrant to force entry just for the HCEO's fees. You could tell them to go swivel if the main debt is paid off - check with your supplier if the debt has been cleared with them. If so then the only action the HCEO can take is to try and get a CCJ for his fees, but for some reason Bailiffs are unwilling to go down that route, something about proving "loss" ;)

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Hi no the debt is not clear marathon taking £73 of the £100 i pay and £22 to water company so my calcuaton i have £1300 only £286 has been given to water company that leaves £744 left to pay water but for i would have to pay marstons another £3300 that cannot be legal surely

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Hi no the debt is not clear marathon taking £73 of the £100 i pay and £22 to water company so my calcuaton i have £1300 only £286 has been given to water company that leaves £744 left to pay water but for i would have to pay marstons another £3300 that cannot be legal surely

 

You could just go into Siege Mode. Refuse to deal with the Bailiffs at all, tell them in writing that you know they will need a rarely granted entry warrant to break in, and just start making your payments to the water company direct. You could put in a complaint to the water company reguarding the bailiff fees, they are are doubling the debt!!!

 

I would be very, very tempted to take the option of having the fees examined by a judge - its not something I know much about, so the proper name and any potential risks involved I am unsure of, but there are people on this thread who will know.

 

Are you on benefits?

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No a self employed bricklayer .but the debt is in my partners name she has no income house wife ..im going to call water company and see what they say ... if it was just me in house i would love the opportunity to see the ballifs and let them know what i think ..but in. out all day i don't want my pregnant partner having them call .it all stinks to high heaven

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They also cannot force entry, despite having a walking posession order (and what they will claim)

 

They will need a (rarely given) signed warrant from a magistrate/judge to force entry. And would have to notify you in advance. Unless its different for HCEO's but I don't think so, not for private homes.

 

This is incorrect. If the HCEO has seized goods within the property they are entitled to force entry to recover those goods.

 

I would also advise that the OP may have committed an offence under Section 92 of the County Courts Act 1984 by removing and selling seized goods. A conviction is unlikely but it has been known.

 

The OP first need to understand exactly what he has been charged and what has been paid to the creditor.

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No a self employed bricklayer .but the debt is in my partners name she has no income house wife ..im going to call water company and see what they say ... if it was just me in house i would love the opportunity to see the ballifs and let them know what i think ..but in. out all day i don't want my pregnant partner having them call .it all stinks to high heaven

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I have been told that ....what are you suppose to do your tv breaks or microwave goeson the blink do you put them safe to one side until the debt is clear ...think not ..

 

you HAVE to inform the company that owns the property, as it is levied the debtor no longer owns the item

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you HAVE to inform the company that owns the property, as it is levied the debtor no longer owns the item

Fine just keep the knackered item and tell the bailiff to recycle it the new one isn't on the levy, and anyway, did he write the serial number, make and exact model and colour on the Notice of seizure?

 

If not well no proof, keep the broken one so the bailiff can have it if he wants.

Edited by brassnecked

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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No a self employed bricklayer .but the debt is in my partners name she has no income house wife ..im going to call water company and see what they say ... if it was just me in house i would love the opportunity to see the ballifs and let them know what i think ..but in. out all day i don't want my pregnant partner having them call .it all stinks to high heaven

 

Bingo. Pregnancy can be considered as "Vulnerable" Contact the Bailiff and the Court, and the Water company. I imagine all this is causing your wife severe stress, making her ill, and your worried that its risking the pregnancy due to her stress/blood pressure ;)

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Bingo. Pregnancy can be considered as "Vulnerable" Contact the Bailiff and the Court, and the Water company. I imagine all this is causing your wife severe stress, making her ill, and your worried that its risking the pregnancy due to her stress/blood pressure ;)

Get a letter from the midwife as evidence if you can, as they will want proof

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

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

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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The Water Board will not want to know. The way forward is as I said in Post 3 which is a tried and tested method.

 

Yes at the end of the day, the legal route of the variation, and the stay that will get the HCEO gone is always the best first option.

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

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

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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