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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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Littlewoods problem


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Hi

 

 

I have a littlewoods account which was all fine until November, when I lost my job and was unable to pay, I start a new job beginning of February, so from next month will be able to start with payment on my littlewoods account again.

 

 

I contacted them via email in December to say there was a problem and would they accept £100 a month, the mimimum payment is £112, they said no as its below minimum monthly payment.

 

 

The £100 I offerered was a silly amount as I could have paid it but would have left myself short on food,electric etc., I panicked as Littlewoods constantly phone and send scary looking letters so thought I should tackle them!

 

 

I haven't made 3 months payments which by the end of this month will be £336, I can pay next months payment, but wanted to know if I could pay a reduced payment on the £336 outstanding, they said no, they will however let me spread everything I have over 3 years and charge me extra interest, which will work out at about £100 a month in total I think if I've worked it out correctly.

 

 

Could anyone give me any advice on whether I could make a offer of a payment plan for the arrears and carry on the minimum payments from next month, I have no idea what to do.

Many thanks

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Hi and welcome to CAG.

 

Typical from Littlewoods (and all the other companies in the brand) in that they fail totally in their duty of care for people in financial difficulties.

 

As per the Office of Fair Trading guidance, all companies that have a credit licence should treat debtors sympathetically and as such Littlewoods are in breach of their duty.

 

I suggest a formal complaint via Recorded delivery so that they cannot deny receiving it. As for the arrears, if you can pay your normal amount when you can then add a fiver on top for the arrears, not much they can do.

 

Your credit file may be affected by this problem by them either marking your file as Arrangement to pay or (most likely) missed payments but beware they may slap a default on there as well.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thankyou for your quick reply, is it worth me writing to them to tell them this is how I intend to repay the arrears? If I can clear them quicker I will do but for the moment I have no chance.

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its a poxy catalogue debt VERY low priority

 

pay them what you can afford

 

food and ALL other priority debts COME FIRST.

 

got all the statements?

 

not got £12 penalty fees & PPI have you?

 

follow this:

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

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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I had email to say they won't accept my payment plan as it's less than monthly amount due

and arrears need to be paid to bring account up to date etc., etc.,

(I emailed and posted recorded delivery about difficulties),

 

I had extra care insurance with them which I successfully got reclaimed a couple of years ago, and cancelled the insurance then.

 

They are still adding on the £12 charge each time I don't pay the minimum monthly payment,

I won't be able to claim/deduct off the amount owing now will I?,

 

not sure what to do now.

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did you send letter 1 above

did you make the said payment?

 

you can reclaim ANY £12 penalty fees they are unlawful.

 

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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Yes sent 1st letter & sent email copy too, made payment.

 

Had email back to say they won't accept payment plan as its lower than monthly payments,

and if I'm experiencing financial difficulty to contact stepchange.

 

Today received final demand for 3 months arrears and

said if I don't pay my account will be passed to debt collection agency

and they will be adding another £12 collection fee etc.,

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letter 2 then.

 

and time to get reclaiming the unlawful PENALTY fees

 

don't worry about their DCA. NDR. I think

 

DCA's are NOT BAILIFFS

they have

NO SUCH BAILIFF LEGAL POWERS.

 

its just another bloke at the next desk in a diff coloured skirt

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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Thankyou for the quick reply,

 

I reclaimed the extra care insurance etc a few years ago,

 

can I re-claim the various £12 charges they've added to my account in the last few months then?,

 

do I need to send them anything to get information

or just copy recent statements?,

 

Sorry for all the questions

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yes you can reclaim them

 

if you have all the statements

 

then you have all the info you need.

 

simply put

any fixed sum PENALTY FEE

say for late/over/letter/phone

usually £12 can be reclaimed.

 

use the CISHEET from here

 

put their APR in cell D 15

[its the same process as you did for the PPI]

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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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  • 4 weeks later...

Hi again,

 

sent off both letters to littlewoods as suggested.

 

They seem to be ignoring everything,

 

had a email reply same as before saying they won't accept my repayment as it's lower than the monthly payment they expect and

 

I now need to pay £142 a month,

 

was waiting for reply to letters but nothing then

 

today a letter from NDR saying I need to pay over £500 in next 7 days to stop further action

 

or come up with a suitable repayment amount in 7 days.

 

I've tried and so far failed to get through to them,

 

have paid the £50 monthly payment last month

 

I told them I would be paying and

 

was going to do the same next month

 

 

haven't got £500 to pay in one go,

 

any advise please.

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carry on with what you said you would do

 

you've sent letter 1

 

you've sent letter two

 

end of issue

 

you now have the high ground should it ever goto court

 

time to hit back and start reclaiming the fees & PPI if you've got it.

 

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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Thankyou, I'm just getting myself into a state worrying about it, what can or will they do now? I know its not classed as a priority debt but it is still a debt, if i could pay it off or get back on track within 7 days i would but have no chance at the moment :-(

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I did claim back the ppi etc on this some time ago, I didn't send a SAR just emailed a complaint, they then emailed a form to fill out, they upheld my complaint, worked out what they owed me, I had no idea about SARS etc and the amount was one I was happy with, on one of my statements is a amount for ppi and another for ad-hoc charges eg postal costs they refunded.

This account was opened in the late 90's early 200's, they have since added on about £100 in charges since the refund of the ppi etc.,

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