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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

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Welcome default disappears


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Hi I checked my credit file and the welcome finance default not showing any more and it is not also showing me anywhere in closed or settled accounts any idea what's going on or anyone else have same issue or may WFS gave up ???????

 

A default that was filed on my credit report last year (even though I defaulted nearly 6 years ago) from welcome finance has also just disappeared off my credit report. It was there last month. I can't find anything on Google as to why this might of happened. Maybe the defaults were unlawful as like I said I defaulted years ago and they only reported it last year they also said I borrowed £4800 when I only borrowed £2300.

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I logged on here to search this very subject!

 

I have ongoing disputes with Welcome regarding my partners account and received a long awaited letter from them just today.

 

One of the paragraphs reads

'I can confirm that Welcome Finance no longer reports the status of active accounts to the credit reference agencies; this will be of benefit to you as it will show no adverse history'

 

Very interesting. I was wondering if this applied to only him but it would appear to affect maybe everyone with an active account.

 

Why would they do this? It's normally extremely hardwork to get this kind of data changed as they're legally entitled to be able to report it and like that it's detrimental to your financial situation. Payback for them if you don't pay for whatever reasons. It's a secured loan with payments made only a few months ago so even stranger I think.

 

Really strange behaviour from Welcome but GREAT news for their long suffering customers. Check your credit files guys!!

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My current Welcome secured loan has disappeared of my credit report too. Having spoken to Welcome customer relations today it seems they had a belief that they had not been reporting information to credit reference agencies correctly, so made the responsible decision to stop reporting. I asked if it was likely to re-appear and was told it wasn't unless they sold the debt to someone else. As i'm not in arrears its unlikely to happen to me.

 

Interesting that Welcome and "responsible" are in the same sentence!

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My current Welcome secured loan has disappeared of my credit report too. Having spoken to Welcome customer relations today it seems they had a belief that they had not been reporting information to credit reference agencies correctly, so made the responsible decision to stop reporting. I asked if it was likely to re-appear and was told it wasn't unless they sold the debt to someone else. As i'm not in arrears its unlikely to happen to me.

 

Interesting that Welcome and "responsible" are in the same sentence!

 

Interesting!

 

My partner also spoke to Welcome today and the guy He spoke to seemed to be a bit cagier about the whole matter. He said it was a financial decision the company had come to and that they obviously wouldn't be making an announcement.

 

He did however confirm that it applied to all Welcome customers with an active account.

 

He had originally called to follow up some complaints I'd made months ago. The Welcome guy basically said that we were never going to get the answers to the questions I'm asking (agreement flaws, fee/ interest queries, default queries) and that We should just take it to the FOS and get the ball rolling.

 

I think there is a lot going on at Welcome at the moment.

 

The burden of their bad credit reporting seems to be done with for their current customers but don't forget this doesn't erase the debt. They can and will try to chase it.

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I have just had the same thing yesterday,

spent ages writing a defence (they want to take husband to court for a HP loan from 2006)

including screenshots of how they have reported on his credit file for years

that he is 6 payments missed instead of default,

 

 

the day after I took the screenshots it all dissapeared off the credit file!

 

 

Wondered if it was just his file because they knew we might bring it up in court

but it would seem that lots of people are having the same thing happen..interesting!

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  • 2 weeks later...

just seen this thread . I have 2 files from Welcome removed from my credit report this week. I wonder what is going on, but I am happy they are no longer there

 

Someone stated that the debt obviously hasnt gone and may re appear if the debt is sold. So that brings a question to mind ... If there was a default date on one of the files will that still stand if the debt is sold ? The other was never put to default, just missing payments ..

 

Just asking as the defaulted file was defaulted on 06/06/2008 so in effect would have disappeared next year anyway

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Very interesting my husband is being taken to court by the, for a loan we have paid ! It's lost us a mortgage and caused no end of problems

They should be totally shut down if we run accounts like they are we would be in serious trouble! I was looking why all the info had vanished

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Files on defaulted debts are removed on the 6th anniversary of the default date paid or not.

If the above does not apply is is likely that the debts have been sold.

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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  • 2 weeks later...

But even if the debts are sold on a default from a year ago would stay on my credit report regardless of whether it has been sold on or not. Has anyone checked their experian or Equifax credit files to see if it has gone from those too? I've only checked my noddle one and my £2 Equifax one. It did show on that but the date it was last updated was August.

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As has been explained previously Welcome accounts have been withdrawn from the CRAs and are being 'investigated'.

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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Does anyone know why they are being investigated may help with creditibiluty issues for cases

 

It's a wait and see scenario all details are not known yet.

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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I got a CCJ from Welcome in January 2013 5 months before it was due to be SB, I didnt even get papers let alone defend, does this mean i have a case. I had bailiffs come knocking in August so i filled a N245 and have had no calls/letters from CC since, could there be a reason why.

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I logged on here to search this very subject!

 

I have ongoing disputes with Welcome regarding my partners account and received a long awaited letter from them just today.

 

One of the paragraphs reads

'I can confirm that Welcome Finance no longer reports the status of active accounts to the credit reference agencies; this will be of benefit to you as it will show no adverse history'

 

Very interesting. I was wondering if this applied to only him but it would appear to affect maybe everyone with an active account.

 

Why would they do this? It's normally extremely hardwork to get this kind of data changed as they're legally entitled to be able to report it and like that it's detrimental to your financial situation. Payback for them if you don't pay for whatever reasons. It's a secured loan with payments made only a few months ago so even stranger I think.

 

Really strange behaviour from Welcome but GREAT news for their long suffering customers. Check your credit files guys!!

 

Would you mind posting the letter up removing any identifying information first please?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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