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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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Help with Set Aside -***Claim Struck Out***


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I have a hearing on Tuesday for a set aside for a CCJ from a company called Westcot. They applied for A CCJ last year that I only noticed on my credit report earlier this year.

 

The CCJ was recorded at my old address which I moved out of 6 years ago. My defence is that I never received any paperwork, no court letters or default notices from the original creditor who are called Provident and also that they had access to my credit file so would have known that I moved as my new address had been showing for some time as has my registration on the E Roll.

 

I haven't had time to SAR provident to obtain information so I have nothing pertaining to the debt orthe agreement.

 

Just wanted some advice as to what to expect as I am really nervous I was just going to turn up on my own, no solicitor but don;t know what I need to take to prepare and what questions may I be asked to answer?

 

Will the court look at me less favourably for having the debt? Or will the fact remain that I hadn't received anything?

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Hi Ganymede,

 

Thanks for your response. I can't remember who I contacted at the time, I can't prove either way, at that time I had lots of issues with a long term relationship breaking down so had to move, I had been diagnosed clinically depressed and put on medication so I pretty much buried my head in the sand. Not an excuse for some I know but at the time things were really not good for me.

 

My defence would be Wescot using an old address that I have not lived at since 2007. I have had no correspondence from Westcot and court claim and associated paperwork has never been received. My current address has been on public record with the credit reference agencies throughout the whole period, so Wescot had access to the correct address information when applying for the court claim. I think they filed it at my old address to gain a default judgement.

 

Cheers

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OK right I undertand now, thanks very much for the direction and advice. I had been researching and completely missed the defence bit as I presumed defense was no papers received. Glad I asked the question. Judgement was obtained July 2012, so probably 6 months short of it becoming SB.

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If no payments had been made for 6 years then your defence would simply be that it was statute barred !

 

When you applied to have the CCJ set aside, did you obtain the paperwork that the original claim was based on ?

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I've just seen the below on the forum, Is my point of defence if they represent the claim or am I still missing it, not with it!

 

Once you make application to set a side there are various options open to the claimant:-

 

The norm is they re present the claim and it starts again...ie you defend.

They object to the set a side the Court can determine.

They accept the set a side and dont represent the claim.

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I have a question about SB and dates, would the debt have to have been statute barred BEFORE the date they issued the claim with the court?

 

 

“OK right I undertand now, thanks very much for the directionand advice. I had been researching and completely missed the defence bit as Ipresumed defense was no papers received. Glad I asked the question. Judgementwas obtained July 2012, so probably 6 months short of it becoming SB.”

Asno Court papers received, the judgment obtained is null and void, therefore,as stated by CB , your Defence for the upcominghearing is debt claimed is statute barred and no service of original claim wasever received as you had moved address, this is clearly proven by your creditreference files which show your change of address (xyz years ago), whichClaimant had full access to in respect of the debt claimed and he would,therefore, had known my address for service of his said claim as it is recordedtherein. (bring three copies of your CRA Files to Court for the hearing insupport of your argument – one copy for Court, one for Claimant and one for you– refer to same and contend that Claimant clearly knew of your new address andhas no valid reason for not placing the same on his claim)

Setaside is – statute barred debt and non-service of claim.

Kindregards

TheMould

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I have a question about SB and dates, would the debt have to have been statute barred BEFORE the date they issued the claim with the court?

 

yes claim issue stops the clock.

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“OK right I undertand now, thanks very much for the directionand advice. I had been researching and completely missed the defence bit as Ipresumed defense was no papers received. Glad I asked the question. Judgementwas obtained July 2012, so probably 6 months short of it becoming SB.”

Asno Court papers received, the judgment obtained is null and void, therefore,as stated by CB , your Defence for the upcominghearing is debt claimed is statute barred and no service of original claim wasever received as you had moved address, this is clearly proven by your creditreference files which show your change of address (xyz years ago), whichClaimant had full access to in respect of the debt claimed and he would,therefore, had known my address for service of his said claim as it is recordedtherein. (bring three copies of your CRA Files to Court for the hearing insupport of your argument – one copy for Court, one for Claimant and one for you– refer to same and contend that Claimant clearly knew of your new address andhas no valid reason for not placing the same on his claim)

Setaside is – statute barred debt and non-service of claim.

Kindregards

TheMould

 

 

 

 

With respect the OP said that the claim was issued before it became SB so there is no defence there as the SB clock stops on issue.

 

Service on a last known address is still good service, I'm not sure a Judge would expect a credit search on every debtor before issuing a claim. If no notification of a change of address then how was the creditor to know the OP had moved?

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I'm actually not 100% sure when it would have been SB as I have no paperwork , I know I moved out the end of May 2007 but unsure of how soon before that anything was paid/acknowleged. Judgement is dated July 2012 so it's not looking like it's going in my favour. I will have to SAR provident as I genuinely have no recollection.

 

Some contradictory views, I'll go with worse case scenario and present as much as can, I guess it could just depend on the judge on the day?

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I am putting together an SAR now, I read that you have to be careful that they don't take that as a payment towards the debt. I'll say on Tuesday that I have requested the information from Provident to prove the SB in my favour, as I don't want to cancel the court date at such short notice. Stressed!!!! Thank you :)

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What time is the hearing on Tuesday ?

 

Will you have time to telephone the Provident before the hearing and ask the question. Please confirm to me the last date any payment was made to this account ?

 

If you are not able to get through or the provident cant say for sure.. when you get to the court, you could say that you believe the account was statute barred at or before the issuing of the original claim papers and that this would have been your defence.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Some statute barred information for you.

Many DCAs will argue that limitation accrues from the time when the "default notice" is issued. It does not.

Limitation clock starts ticking from when the payment is due and not paid not when they send a default notice.

We see often that CRA entries will date 5 or 6 months ahead of when the payment was missed.

People need to be sure that they aren’t being hoodwinked and that the DCA is extending limitation so they can sue when they are not allowed to.

 

You are advising that you have never received any Default Notice, requests for payments, letter before action, etc. Any of these sent by mail would most likely have been returned to them if you were no longer living at the address they had for you aside from which - Provident collect on the doorstep, so that should also have alerted them to the fact that you had moved. So it makes no sense that they then issue a claim at an address they must have know you didn't live at.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hearing is at 12pm, so yes I will have time to call them. I just have no clue when payment was last made, at a guess a few months before I moved out in 2007 or it could have been 2006, so frustrating, I was on anti depressants at the time and that period is a bit of a blur for me. I have a copy of a credit report from 2011 and there is nothing on there relating to Provident or Westcot, I would have expected to have seen a default on there leading up to the CCJ but there is nothing.

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