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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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Defaults, DCA, and timelines


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Not sure where to start with this...but am in the process of getting my affairs in order.

 

 

I am awaiting various SAR replies, CCA replies, some PPI claims and at some point some charges claims.

I am trying to do things in a sensible order now rather than going off half-cocked!

 

Had some very useful advice from DX that made me look at things in a different way

but moving on from that i'm trying to consider some of the next moves

I may need make, and i'm trying to get my head around what the law says.

 

Firstly I should point out currently my debts are being managed through the CCCs and I have one CCJ i will be paying for a VERY long time.

This CCJ also carries a Charging order on my property - but i'm staying put so no worries there!

 

Most of my defaults are three or so years old and I am paying nominal amounts on them.

I suspect of the three non-ccj debts that have been sold on two of them will not be able to provide a valid CCA.

One of these debts for some reason doesn't have a default against it but shows as an arrangement to pay on my credit file every month.

Is this allowed/legal/acceptable as they bought it with this arrangement in place?

I've seen estoppel mentioned but I don't know if it applies to me?

 

If i understand things correctly this DCA can register a default on my account if i were to stop paying

- and this will be the case until such time as i have paid this debt in full or come to a full and final figure?

 

With regards to the other debts if i just pay for the next three years and then stop

on the basis for example that the debt is unenforceable

i cannot be punished on a CRA by any means ie second defaults can't be registered,

i cannot be taken to court, etc as i will have already had the default registered on the account.

 

Hope this is making sense.

 

Would welcome any input - especially on the legal side of things.

 

Hx

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estoppel will only apply if they make an attempt to issue a court claim or demand that you pay more than the arrangement that was in place at the time of assignment.

 

Defaults will drop off after the 6th anniversary whether they are being paid or not. The only time this would be a problem in extending the recording would be if a claim was issued and the opposition were to win as the CCJ would stay on the record for 6 years.

 

HTH.

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Hi, I'll try and answer some points for you.

 

1. Yes arrangements to pay can be reported on CRA files. if in place when the account was sold then it should be continued by the debt purchaser/DCA.

 

2. DCAs /Debt Purchasers normally are dealing with accounts already defaulted, and the MUST continue the original default date placed by the creditor.

 

3. DCAs/Debt Purchasers become the Data Controller for the account when they buy the debt and are responsible for updating CRA files, if you do not pay the DCA they CANNOT PLACE A NEW DEFAULT.

 

4. All default entries on CRA files are removed on the 6th anniversary of the default date.

 

5. Having a default on file does NOT preclude court action if you fail to pay and is fairly common on larger debts.

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Thank you both for the replies.

 

I think i understand most of it. :-)

 

With the defaulted accounts, provided the DCA has an enforceable CCA, they could progress to applying for a CCJ if they refused to accept the payments currently going through the CCCS.

 

If the CCAs are not compliant then they cannot get a CCJ against me though they can still pursue me for the 'debt'.

 

What happens on my CRA files when the six years from the default are up? Will the accounts still show - just no default? Do the DCA then have the option to then take any further punitive action?

 

Hx

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All references to a defaulted debt must be removed from your credit files

after 6 years has passed from date of default

- whether paid off or not.

This is so that someone who continues paying something even after 6 years from default

should not be at a disadvantage as to someone who pays nothing after default

and ends up with a clean file after 6 years.

once a debt has fallen of due to this reason, it can NEVER return.

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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A debt MAY NOT be statute barred just because the default entry has been removed from CRA files.

 

Depending on when an agreement was signed a creditor/DCA could produce a 'reconstituted' agreement to satisfy sections 77/78 of CCA 1974, a judge may find that such a document considered with evidence of usage of an credit facility (payments to the account etc.),that liability subsists and the debt is payable.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No! Statute Barred = 6 clear years (5 in Scotland) with NO payment and/or written acknowledgment of the debt.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

I am hoping someone can clarify things for me.

 

I am going to make f&f to two of my creditors. I understand that I must specify in the offer about the debt not being further pursued/sold on.

 

BUT having nosied around cag i am not sure whether there is a legal absolute on whether the accounts can be marked settled if the full and final is only a part payment?

 

Any ideas?

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part settled leaves the rest to be sold and chased no matter what letters you have from whomever

 

SETTLED & the removal of ANy neg data MUST be made a condition of any settlement.

 

you need to get that in writing FIRST.

 

don't ever offer F&F until you've reclaimed and checked CCA is Enforceable

 

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,

 

One of them doesn't have a CCA (though bizarrely the OC has provided me with one).

Debts are managed through cccs so rather than stop paying until they track down cca am going to offer very low settlement first.

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If the dca hasnt provided one then send the non compliance 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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  • 1 month later...

Hello,

Firstly apologies if this is in the wrong section.

 

I'll try to keep it brief.

 

I have a credit card debt that has been sold to Cabot. I have reclaimed ppi (wasn't much but i reclaimed it anyway).

 

I have been paying this debt through the cccs for over 3 years - the same amount give or take a pound.

 

This debt has never had a default registered against it despite me falling behind when it was with original creditor.

 

I have checked my credit file and over the course of the last 8-9 months my credit files shows my payments are late, indicating I'm now 6 months late in payment.

 

Cccs are definately passing the money on. I have written to Cabot recorded delivery (nearly a month ago) asking them to correct this error but i have had no response.

 

Where can i go from here to address the issue?

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Thread moved to Debt Collection Industry.

 

Regards

 

Andy

We could do with some help from you.

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as far as I am aware

theres no 'rule' that dictate that a creditor 'has' to mark your file when you enter a dmp.

likewise theres nothing that states they cant latterly then decide to start marking it.

 

ideally, it should be defaulted within 3mts of the 'cause of action' when you entered the DMP

paying a lower sum PCM than what is actually required under the agreement.

 

you could try and get them to backdate the markers to that date

then it would fall off quicker

as the ICO guidelines indicate this as being 'unfair' it was not done with in 3mts of the dmp or you first 3 missed/lower paymenst.

 

if its the only debt destroying your CRA file, then you might be able to get them removed but I doubt it.

 

if its not the only issue on your file

then getting it defaulted earlier will mean the whole account will vanish earlier.

 

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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  • 1 year later...

Hoping someone can put me right about a few things as I've been trying to do my research and feel a bit confused.

 

My creditors are managed through StepChange.

 

I currently have one CCJ from 2010 that I pay as per court instructions,

 

I have 5 other creditors with all accounts defaulting in 2009 or 2010

except one that Cabot brought and chose not to default until 2012!

 

I have no issue that I owe these debts... all PPI claimed back and applied to accounts where appropriate.

 

I'm trying to get clear what happens after 6 years.

 

The CCJ falls of the register but the judgement still stands until Marlin/Cabot come up with F&F that I can afford... that makes sense.

 

But what about the defaults?

I thought they'd drop of my credit file and then I could make cheeky full and finals..

.. would they still be able to go for a ccj either before or after the 6 year mark?

 

Could any agency the debt might be sold to be able to re-register the default?

 

Hx

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Hoping someone can put me right about a few things as I've been trying to do my research and feel a bit confused.

 

My creditors are managed through StepChange.

 

I currently have one CCJ from 2010 that I pay as per court instructions,

 

I have 5 other creditors with all accounts defaulting in 2009 or 2010

except one that Cabot brought and chose not to default until 2012!

 

I have no issue that I owe these debts... all PPI claimed back and applied to accounts where appropriate.

 

I'm trying to get clear what happens after 6 years.

 

The CCJ falls of the register but the judgement still stands until Marlin/Cabot come up with F&F that I can afford... that makes sense.

 

But what about the defaults?

I thought they'd drop of my credit file and then I could make cheeky full and finals.- see defaults post earlier in merged thread.

.. would they still be able to go for a ccj either before or after the 6 year mark?- if you've paid within that 6yrs yes

Could any agency the debt might be sold to be able to re-register the default?- nope see defaults post

Hx

 

 

several iike threads merged

 

 

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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