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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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Unenforceable agreements under the Consumer Credit Act


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(Quite long I know but please stick with it...could open up a new area for claims...)

 

Hi all. Great site...helped girlfriend claim back £830 from Lloyds TSB and just issued another claim against them today for £490...thanks for all the help/templates/advice. Got an unusual (I think) query this time...

 

Was checking the national debt line site back in April and came across their letters template link (National Debtline England & Wales | Debt Advice). 2/3rds down the list there is a CCA letter that you can use to request a copy of a credit agreement from your creditors under the CCA (Sections 77-79)...what is interesting about this is that it states that "creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act." This is relevant for my girlfriend as she thought she had come to the end of the term of the loan only to be told that 4 instalments were still outstanding. She has been switched from one loan product to another during the loan term and by Lloyds own admittance is on an "old-style" loan. She sent the CCA letter in April and has heard nothing since...no agreement, no chasers for the money, nothing. Lloyds have however starting to charge interest on the outstanding balance without any notification. Three questions:

 

1) Is the national debtline letter correct?

2) If so, does unenforceable mean that my girlfriend can write to Lloyds to get them to scrub off the outstanding amount?

3) Is Lloyds practice of charging interest in this manner legal (particularly given that they are unable to provide a copy of the credit agreement)?

 

Any views/advice/experiences would be most welcome.

 

Thanks.

 

Stuart

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Hi Stub.

 

Please start your own thread in the DEBT and BAILIFFS forum and copy and paste this post there.

You will get help and advice that is more specific to your needs.

 

 

Click on this link for DEBT AND BAILIFFS forum.

 

Good luck with your claim.

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  • 1 year later...

Hello,

 

I have been reading with interest the threads for 'unenforceable credit agreements'. I took out a loan with Northern Rock in 2005 and after a while tried cancelling the payment protection insurance, to cut a long story short they cancelled the insurance and processed a new loan in 2007 with a different account no. I signed no credit agreement, I just have a letter telling me that I had a new loan for the new amount. Am I right in thinking that this debt may now be unenforceable as there is no credit agreement?

 

Also, if I send a letter asking for a copy of the credit agreement and they dont supply it, what should I do next? Any advice on how to proceed with this would be gratefully apreciated.

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  • 7 months later...

Hi guyz,

 

I was just windering if anyone could help, i ve read alot of threads talking about unenforceable credit card agreements and loan agreements, and how to challenge them.

 

Does anyone know or can anyone give me any pointers as to if the same can be done with a mortgage agreement and how to go about this please.

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Hi guyz,

 

I was just windering if anyone could help, i ve read alot of threads talking about unenforceable credit card agreements and loan agreements, and how to challenge them.

 

Does anyone know or can anyone give me any pointers as to if the same can be done with a mortgage agreement and how to go about this please.

 

Mortgage agreements are not regulated under the Consumer Credit Act, they are deemed exempt under s.16 of the CCA The Office of Fair Trading: Exempt agreements

 

I take it your mortgage is pre 2007?

 

One issue you might be worth looking into though is if you have had any top-up loans from your mortgage company throughout the period. IF you have then you might like to read up on Francis Bennions views (He drafted the 1974 Act) on Top-up loans and the effect they had as independent loans rather than just being merged into the original mortgage...takes some reading and analysis, but with a little tenacity and enthusiasm you might find some interesting pointers there.

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  • 2 months later...

hi eveyone,

i sent off my 1st letter requesting the credit agreement from hsbc with the £1 postal order. this was returned to me yesterday with an acknowlegdement of my request. The say i need to sign the letter to coresspond with their docs. ( they have none) but i need to find the template letter which states my right not to sign?

Help anyone?

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hi eveyone,

i sent off my 1st letter requesting the credit agreement from hsbc with the £1 postal order. this was returned to me yesterday with an acknowlegdement of my request. The say i need to sign the letter to coresspond with their docs. ( they have none) but i need to find the template letter which states my right not to sign?

Help anyone?

 

 

Beware about signing anything with your usual signature dolphinbaby, I'm not suggesting for one minute that anyone would be so low as to recreate a document which super-imposed your signature on it, but there are many thousands of people who watched Blue Peter - stick to using a signature if you have to use one which can't be recreated. Actually, as they have asked for a signature to correspond with one they already have write back and ask for a copy of that signature because you use numerous signatures - if they don't send it - they ain't got it - not a signature or the agreement :D No agreement - no debt! :rolleyes:

 

DO NOT TRUST THEM AN INCH

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I wonder if someone could take a look over my agreement for me and tell me if the interest is worked out correctly and whether it is felt this is unenforceable as it stands?

 

Thanks, I just can't work out the interest calculations as per agreement. This is my thread:

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/199658-interest-rate-calculator.html

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Please start your own threads in the appropriate forums as pointed out by Gyzmo.

 

This thread is headed "Unenforceable agreements under the Consumer Credit Act" - that's what I posted about along with a question over interest on the agreement and I put a link to my thread as requested ..so I'm a little confused freakyleaky sir :cool:

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Hi everyone ,

new to this so please bare with me if this has been asked before.

I sent off recorded delivery template letters to a few Credit cards that I started well before April 2007,asking for the agreements etc and enclosing a pound postal order with each.

None replied within the 12 working days. i have since sent a further template letter stating that the debt is not recognised and asking for acknowledgement.

 

Marbles have replied now saying they are unable to provide historic terms however have provided current terms and conditions.

 

Another says they are having difficulty providing archived info.

 

MBNA are still chasing via e mail and have still yet to acknowledge or reply to the recorded delivery template letters.

 

What action should I take if they continue to ignore the requests?

 

Any help great fully appreciated.:confused:

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This thread is headed "Unenforceable agreements under the Consumer Credit Act" - that's what I posted about along with a question over interest on the agreement and I put a link to my thread as requested ..so I'm a little confused freakyleaky sir :cool:

Do you not see the benefit of starting your own thread?

Do you not see the disadvantage of hijacking another thread?

Do you not see the confusion that arises when people are answering questions by multiple users on the same thread? (This is not directed to Battler by the way. I will move your post to your own thread shortly)

If everyone on the forums used other threads to post their questions on we would have much fewer threads but mass confusion.

Please start your own thread as previously asked.

Also have a read of the site rules regarding posting.

 

And ther really is no need to call me sir.

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Dear all,

sorry for being a pillock , however only just started on this site and do not know where to start a thread. was just reading the site , and saw the entry which related to what i wanted to know.

I will soon get the hang of it though!!!

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Hey, I apologise too..got confused with the thread title and thought it was a general thread, should have read it all...apologies...I did start my own thread though before hand and linked it, so I'll leave the description of being a 'Pillock' for the time being..:D good luck stubs, thanks FL..

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Is that meant for me Gyzmo? :oops:

 

Not specifically! I just found it funny that you posted on here a couple of minutes after my previous post! Sorry, my warped sense of humour.

 

I've said before that there are a large number of posts in the welcome thread asking about CCAs. I think more efective sign posting is required.

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I've said before that there are a large number of posts in the welcome thread asking about CCAs. I think more efective sign posting is required.

:confused: What would you suggest Gyzmo? I understand why people make a bee line for a thread entitled with a similar problem to their own but what can we do? The whole team are open to suggestions as it can be a nightmare some days having to move posts and create new threads for newbies who are still unsure of the forums.

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I mention this because I put a post in the general forum about this very issue a few months ago, which seems to have gone largely unnoticed - here's the link:

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/189326-ccas-warning.html#post2040814

 

There are obviously guides to this and that, but it seems that people are either not bothering to look or do not know how to find them or are having having difficulty in doing so.

 

All I am saying is that there are a lot of people asking about this issue. There is also a lot of information on this subject already in existence.

 

Maybe a question box should open when people sign in or log in. It could ask why thet are posting, with various options such as "I want to know about CCAs" or "I bought goods online that are faulty". The user can then select the option and be taken to the most appropriate part of the forum where they can probably find what they want to know.

 

Just trying to make things easier for everyone - that's all.

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I totally agree with all the points you have mentioned there.

I will move your thread to the Questions and suggestions and flag it up for admin to have a look see what they can come up with.

 

I was not critisising you for mentioning this at all. I genuinely am interested in ways of sorting this problem.

 

Thank you.

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