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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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      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.

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Goldfish/Cabot


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Hi folks.

I have just had my SAR letter returned saying that there was no cheque for £10 inside.

 

 

I enclosed a P.O. for the amount and following a caggers sound advice I photographed both sides of the P.O.

with the letter it was also marked for SAR only.

 

 

The letter was sent Special Delivery and received just over a week ago.

 

 

Should I wait until I find out from the Post Office if it has been cashed before I re-apply, cancel it now and ask for a refund

 

 

or should I just write back to Barclays with a copy of the photographs enclosed?

 

 

Thanks in advance.

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Do both Post Office & Barclays make sure you keep copies of all correspondence.

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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  • 1 month later...

Hi folks,

I have been dealing with another debt on this forum and mirroring the advice given with this debt.

 

In the last couple of days I received a reply from Cabot about the CCA request I made last week.

 

They stated that they have requested the info from the original lender?

 

I had the NOA when Goldfish sold the debt a few years back.

 

The debt refers to a credit card taken out about 13 years ago and I can't remember if I applied online for it.

 

I know I don't have any of the original paperwork from that time and when I SAR'd Goldfish all I got back was a letter saying there wasn't a cheque with the request.

 

I am still waiting to hear from the P.O. if my postal order was cashed.

 

Do I send an "Account in dispute" letter now or wait until the 12 + 2 days is up?

 

Got the feeling that I might have been milked more than a herd of cows!!!!!

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Wait for the 12+2 days then send the dispute letter.

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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Check your credit files, see if this is on there, doubt it given the length of time.

If it isn't just ignore them, unless you have paid anything within the last six years on this?

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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Hi Bazooka Boo.

Debt is on there showing as Defaulted which is correct. Had NOA from Cabot and have been paying regularly. ( Please don't shout at me about that.) As a lot of people I have only been aware of havens like CAG for a short time and am still learning what options there have been available to me. Have already SAR'd original lender, see post 1. I know I paid PPI which Goldfish told me to stop when I took voluntary redundancy and first got into financial difficulty. As you know you can't claim on PPI for that. As an aside, what cap badge is that on your avatar? Looks like R.A.

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Yes it is R.A.

 

How much are you paying them each month?

 

How much of the total balance is fees/charges that you can reclaim?

 

When did you default on this?

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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As cannot has replied saying they are looking i am not sure if i would even send the full account in dispute letter. At most I would send a letter saying as they are in breach of your s78 request you will ne ceasing payments until such a time as they can validate any liability.

Any opinion I give is from personal experience .

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Hi folks,

Bazooka: Paying £20 pm, am waiting to find out how much is due to charges/fees etc. Went into default Feb 2008. Sold to Cabot a couple of months later. Been paying them since then minus a few missed payments.

Fletch: I live in hope that they will do the same with me but I am not holding my breath.

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Hmm, I would be inclined to drop those payments to £1 a month...

£20 a month seems steep, especially as this is a non priority debt and there will be fees/charges to reclaim...

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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If they can not produce a cca and admit as much why pay anything at all. £1 a month will just keep the debt alive for ever. Then when you die they will have a preferential claim on your estate if there is one.

Any opinion I give is from personal experience .

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Hi folks,

We all live and learn. I have never doubted I owe the money to someone and thought I was doing the right thing. Didn't realise that people like DCA's acted the way they can and do. I just wanted to be debt free, it was the way I was brought up. As it stands they won't be receiving any more until they prove they own the debt and the CCA request is satisfied. As for when I die I will await a doorstep visit from one of their agents. Don't know where I will end up. Either way they will have to get past the doorman.:lol:

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It isn't clear whether they can or can't provide the CCA yet?

 

If they can't provide one, then yes put the account in dispute and stop paying. But they should be given the full time limit in which to respond before stopping payments.

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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Hi Nailpost,

In the scheme of things it might not make any difference. On the other hand could they make me bankrupt due to the amount I owe, if they prove I owe it? If they do prove it I can't afford to take that route. I want to take one step at a time but look four steps ahead. Plus if everybody stopped paying what they owed where would that leave the country? In the middle of a triple dip recession where the bankers get huge bonuses? No thanks but I'd rather be in the nice fiscal state we are in right now. Off to pack my backs to count my money in the off shore accounts in Cyprus.

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I wouldn't even begin to worry about the finances of the country, if needs be they can just print more money, money is false anyway, we've just been lied to about it.

 

When the time runs out for them to supply the CCA then send the account in dispute letter, and stop paying.

 

What is the total amount on this owing?

 

Bankruptcy is miles away and their is lots of hurdles they need to jump in order to satisfy the court before doing so, so you can forget any notion of that for the time being.

 

They will need to have all of their ducks in order way before that, and if they fall at the first hurdle and fail to supply the CCA then BR is a non starter.

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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Hi folks,

Don't know if it has any bearing on this but I have been looking at the paper work that I have kept. Debt was assigned to Cabot in April 2008 and it was only in October 2008 that they served me with the Default Notice. Would this affect the case? Thanks in advance.

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Default and termination from the original creditor, then sold on to whoever so check the dates.

 

money is false anyway, we've just been lied to about it.
(touch of fotl there R?)

Illegitimi non carborundum

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That is extremely suspect, a BOA sent in April, followed by a DN in October?

 

Definitely a cause for dispute, and most certainly a cause for a formal complaint to Goldfish, and Cr@pbot get nothing, if you wish to send them a 'no debt acknowledged' or 'In dispute' letter then by all means.

 

But Goldfish are the ones who need to be brought to book here..

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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So according to that you were defaulted by crapbot? not the oc?

ooh, love it,

as BB says, NOA in April followed by DN in October.?

Dispute all the way....

Illegitimi non carborundum

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