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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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Court documents received from Bryan Carter, issue date 15/01/14 - advice please


Blaze36
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Hi all,

 

I posted about this a while ago when I got the letter before action for a Shop Direct debt. I didn't do anything about the letter, despite some excellent advice (yes, I'm an idiot but life got in the way) and yesterday I received a letter from Byran Carter dated 15/01/14 stating they'd issued litigation proceedings. Today I got the court documents.

 

I've read a few threads on here and I get the general idea of what I need to do - file an acknowledgement with the court, then I have 28 days from the 15th to file my defence.

 

I have no documentation whatsoever about this debt. The court documents are saying the debt was assigned to/purchased by Lowell on the 06/04/2012. The claim amount is for £238.49 on the court documents, but the letter I have from Bryan Carter says different figures.

 

The Bryan Carter letter says:

 

Principal balance: £337.38

Interest: £33.89

Court Fees: £50

Solicitor Costs: £15

Outstanding Balance to pay now: £337.38

 

Now, I don't claim to be a mathematical genius but it"s obvious to me that Bryan Carter have made a mistake in naming the principle balance to be £337.38 because if you take the balance claimed for on the court documents (238.49) and add the interest, court fees and solicitor costs (238.49 + 33.89 + 50 + 15 = 337.38) you get what they've named as the outstanding balance.

 

Can I use that mistake in any way?

 

I'd really appreciate any advice you have, particularly if it's in an easy to understand step-by-step format as my brain is a bit frazzled at the moment!

 

ETA: Ignore the bit about me assuming he'd made a mistake with his maths. I assumed principle balance meant 'balance owed before charges added. My mistake there...

Edited by Blaze36
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Stop panicking smile.png

 

If this was me, I'd send the CCA Requestlink3.gif to Original creditor ASAP.

 

http://www.consumeractiongroup.co.uk...iewing%29-nbsp

 

I would make sure you insert this

 

(a) the total sum paid under the agreement by the debtor;

(b) the total sum which has become payable under the agreement by the debtor but remains unpaid, and the various amounts comprised in that total sum, with the date when each became due; and

© the total sum which is to become payable under the agreement by the debtor, and the various amounts comprised in that total sum, with the date, or mode of determining the date, when each becomes due.

 

You may also want to SARlink3.gif the OC as the information they send you could be priceless down the line.

 

http://www.consumeractiongroup.co.uk...Access-Request

 

Make sure you acknowledge the claim online, this will give you an extra 14 days to prepare your defense.

 

You then need to send the solicitors on the claim form the CPR31.14 letter, asking for EVERY document they have mentioned in the POClink3.gif (This is vital)

 

Let me know if you need a link to the CPR31.14.

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Oh, believe me, I'm far from panicking. :-D I know he's an ******** out to get as much money as he can from putting these claims in.

 

Right, so send the CCA request to Shop Direct, as they're the original creditor? My understanding is that SAR is subject access request, which falls under the Data Protection act, meaning they have to send me every bit of data held on me.

 

Then, send the claim form to Bryan Carter. Ok, sounds good - can you post a link to it please? What does POC stand for? I know some acronyms, but not all.

 

I've already acknowledged the court documents online to get the extra 14 days, so that part is dealt with. Thanks for your quick reply, much appreciated.

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Ok - listing the documents mentioned in the POC. The text of the POC is:

 

This claim is for 238.49 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods. This debt was assigned to/purchased by Lowell portfolio I ltd on 06/04/2012 and notice served pursuant to the law of Property Act 1925

 

Particulars re shop direct a/c [REDACTED BY POSTER, not putting the account number on here]

 

and the claimant claims 238.49. The claimant also claims interest pursuant to S69 county court act 1984 from 06/04/2012 to date at 8% per annum amounting to 33.89.'

 

Am I right in thinking the documents listed here are the credit agreement between me and Shop Direct and the letter showing the debt was purchased by Lowell from Shop Direct? I can't see anything else that I would class as a document.

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Ok, all letters are being sent today - the CCA request to Lowell, the CPR31.14 to Carter and the SAR to Shop Direct.

 

I couldn't get my printer working, so I'm off to get them printed out, then get postal orders for the £1 CCA fee and the £10 SAR fee. All letters will be posted so I can see they've been signed for.

 

I'll update when I hear anything.

 

Quick question - What is the statutory time limit for response to a CCA request? It's not mentioned in the template letter and I've got a three year old hanging off me wanting attention, so I didn't have time to search.

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I received a reply from Bryan Carter today. Can someone help me make sense of it, please?

 

'We write further to your letter dated 24th January requesting disclosure under Part 31 of the Civil Procedure Rules.

 

We confirm the Claim Form was issued by the Northampton County Court Bulk Centre and that the Court's Protocol was followed when issuing the Claimant's Particulars of Claim. Practice Direction 7C point 1.4 (3A) eliminates the requirement to attach the documents to the Particulars of Claim when they are issued by this Court.

 

We confirm this matter will be most properly allocated to the Small Claims Track as this is a simple contractual matter and Part 31 of the Civil Procedure Rules will therefore not apply.

 

In any event, the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you.

 

It is the original creditor's policy to issue agreements at the start of the contract and statements throughout the duration of the agreement and, in this regard, we ask you to refer to your own records.

 

We confirm we are not agreeable to an extension for filing your defence.

 

We confirm that we are in receipt of your acknowledgement of service. As you will be aware a Claim was issued in this matter on 14 January 2014. Please respond to the Claim using the Response Pack provided by the Court. You should comply with the deadlines outlined by the Court in order to avoid a default Judgement being entered against you.'

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Thanks for moving it. :-)

 

I've been reading a fair few threads, but I'm still clueless as to how to proceed. I believe I can file something to force the court to order the documents produced, but that it will cost me £40?

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Just adding - I've just acknowledged the service form online, so that gives me until 12/05/14 to file a defense.

 

Erm, if you received your claim around the 18th January.. you dont have until May to submit a defence !!

 

Issue date + 5 for service = XX/XX/XX + 14 days to acknowledge claim = XX/XX/XX + 14 days to submit a defence = XX/02/XX

 

 

They are correct in that they are not required by way of MCOL to attach documents -however they are expected to provide them to you at the earliest time possible. They are just delaying matters by not responding more positively to your CPR request. However again, strange as it might seem, they dont have to until ordered so by the court.

 

If you wish to have the court order them to do so, then you would have to make application on form N244 and yes, it will cost you the £40.00 without a hearing or £80.00 with. You would be able to claim these costs back if you were to win.

 

I think that there comes a point when the Directions questionaiire is sent to you and you can note on that, that the claimant is suing on a contract that they do not appear to be able to produce.

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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.

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It is the original creditor's policy to issue agreements at the start of the contract and statements throughout the duration of the agreement and, in this regard, we ask you to refer to your own records.

 

It is my understanding that Shop Direct do not issue agreements and that the first payment of the account is pretty much an agreement.

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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Thanks all. That May date is a typo. The defense has to be in by 12/02/14.

 

So, it's a good thing that Carter is being obstructive over producing the documents, then? I just don't know which way is best to proceed - write my defence along the lines of 'I cannot remember owing this debt and Bryan Carter have neglected to produce the agreement that shows I owe this amount' or go straight for the N244 (couldn't afford the cost for a hearing) and hopefully force them to quit when they realise I'm not backing down?

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I should mention, I have no earned income of my own. My partner works and as a household, we're very low income. The only income I have is child benefit and tax credits (child and working tax credits). Child benefit is in my name, tax credits is joint but paid to me. I can't afford to negotiate any repayments based on my income alone and my partner wants us to look into debt management as we have lots of defaults hanging over us, so he wouldn't be happy for me to agree on any repayments for this that come out of his income. This is just the first one that's come as far as court and unfortunately, it's for the smallest amount, so even if we were to enter into repayment negotiations, it would be given the least priority.

 

Is there any way I can use the above information in my defence?

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If money is tight then the last thing you want to do is waste £80 on an application that would fail...I assume you mean use the N244 to disclose or strike out?

 

Regards

 

Andy

We could do with some help from you.

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How did you get on with this Andy?

 

:???: Not my thread OP is Blaze.

We could do with some help from you.

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No update on this - I've had no reply to my CCA request to Lowell. Tonight I'll be digging out the post office receipt and checking when it was received (sent it signed for), then I'll know whether they've neglected to reply within the statutory time limit.

 

My defence is due to be filed by Wednesday and so far, I have nothing from Lowell or Shop Direct (who I SARd, but they have a longer deadline and my defence is due before that's up). Bryan Carter's reply is upthread.

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Hi all - I'm submitting an embarrassed defense tonight, based on the fact that Bryan Carter haven't provided me with the documents I asked for under the CRP31.14 and also that the creditor (Lowell) have failed to respond to the CCA request within the statutory time limits. I have a template from another embarrassed defense that I'm working off.

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