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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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Advantis Credit letter, how to respond?


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Hi all, thanks for reading. I would be very grateful for any advice on the following -

 

This morning I received a letter from Advantis Credit Ltd advising that they were acting on behalf of their client Lowell

and were seeking to recover a debt of £961.14 from me.

 

I have a vague idea that this may be a debt from more than 6 years ago although to be honest I cannot remember exactly when it was from.

 

Should I send a statued barred? letter or a request for the original credit agreement first?

 

I honestly cannot remember exactly what this debt is for?!

 

Thanks in advance:-D

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Dear sirs,

 

Bog off.

 

Sincerly.

 

 

 

I'm semi joking . Since they are acting on behalf of someone who bought a defunct debt, they have no rights, so can be told to go jump off a cliff.

 

Only deal with lowell who own the debt. The first thing you need to do is SAR them or get them to prove that a debt actually exists.

 

Again, dont correspond with advantis, deal with lowells. Once you get the info from them, SAR the original creditor. As you said, your debt might be SB'd, but you are still going to need proof of it. Just remember to make sure you state in any letters "alleged debt/account" and " i have no knowledge of any debt owed to you".

 

It is up to THEM to prove you owe anything at all. Not for you to prove you dont. Also, while the alleged debt/account is in dispute, OFT guidelines state that they must cease any attempts at collection until such a time the debt is proven.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Welcome to Cag.

 

Have you made any payment or any written acknowledgment ot this debt in the last 6 years?

What do you think this debt might be?

 

Have you checked you credit reference files yet, if not please do so as soon as you can Equifax & Experian have free 30 day free trials there is also Noddle (Call Credit) which is free but is not always reliable or upto date imo.

 

You need to see if there is any debt showing which matches what is being chased.

 

Yes a CCA request is a good idea, there is a £1 statutory fee payable, they have 12+2 working days to comply, there is a template in the CAG library for you to use, this should be addressed to the Compliance Manager and sent by recorded delivery.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi

 

Thanks so much for the quick replies!

 

I have just ordered my credit files to check whats on them, i hope that they haven't registered anything against me. I was getting a lot of answerphone messages, emails and texts from Lowell prior to this but I just ignored them to be honest. I have no idea how they got my contact details! They were referring to letters they had sent me but as I had moved I didn't know what they were talking about and when they called my mobile I refused to give them my new address so I guess they tracked me down via the electorol roll.

 

With regards to the actual debt, i think it is an overdraft from Natwest. To cut a long story short, I worked for Natwest and when I left i emptied my account and cancelled the overdraft and opened a new one elsewhere. Natwest said they had overpaid me in my last wage which i disputed and I remember at the time HR said they would deduct it from my Natwest account a month later. I told them where to go but i'm guessing that they did and since there was no overdraft facility most of it will have been unauthorised charges. That was in 2007 and I have never paid or acknowledged the debt since then. The reason I was unsure if it was this at first is because there was also a disputed bill with Vodafone for a similar amount which Vodafone said was sorted out. I can't remember if they sent me a letter to confirm at the time, my life was pretty chaotic to be honest so they may not have done! My fault I guess for burying my head in the sand and assuming that it would all be resolved if I ignored it! I'm pleased to say that i now live absolutley credit free and only buy what I can afford so I haven't even applied for credit in the last 5 years!

 

I will send a letter to Lowell directly and ask them to provide proof of the debt first and also check my credit file and write to anyone else on their that i dont recognise. If they come back and it is over the 6 year limit I will send the statute barred letter.... Wish me luck!

 

Thanks again

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Make sure you specifically state that you do not acknowledge any debt to them, and when referring to any accounts, make sure to say "alleged debt" or "alleged account". Also remember that some DCA's will lie through their teeth and claim a payment was made a few years ago, therefore resetting the SB time limit.

 

The easiest way to find out if you do actually owe them anything at all is check your Credit reports. If its not listed on there, chances are its SB. If it is listed, it will tell you the amount and owner. Then you can contest or enquire about it.

 

Again, the onus is on THEM to prove you owe any debt. Not for you to prove you dont. The latter is what these 2 DCA's like to make people think is wrong.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Only deal with lowell who own the debt. The first thing you need to do is SAR them or get them to prove that a debt actually exists.

 

 

This is probably a typo....I think he means CCA rather than SAR to Lowell. SAR to Lowell won't produce anything of value.

 

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This is probably a typo....I think he means CCA rather than SAR to Lowell. SAR to Lowell won't produce anything of value.

 

Yea i got the two mixed up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

Thanks so much for the quick replies!

 

The reason I was unsure if it was this at first is because there was also a disputed bill with Vodafone for a similar amount which Vodafone said was sorted out. I can't remember if they sent me a letter to confirm at the time, my life was pretty chaotic to be honest so they may not have done! My fault I guess for burying my head in the sand and assuming that it would all be resolved if I ignored it! I'm pleased to say that i now live absolutley credit free and only buy what I can afford so I haven't even applied for credit in the last 5 years!

 

I will send a letter to Lowell directly and ask them to provide proof of the debt first and also check my credit file and write to anyone else on their that i dont recognise. If they come back and it is over the 6 year limit I will send the statute barred letter.... Wish me luck!

 

Thanks again

 

Hi maria1983,

 

If you'd like me to ensure that matters with us were resolved you're welcome to email me with the relevant details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line.

 

Once sent you'll receive an automated reply with a reference number. To ensure that it reaches me could you update the thread with this and I'll get back to you as soon as possible?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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