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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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LINK/IDR Claimform - old Barclaycard debt


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You dont need to do anything by next Thursday

 

" Issue date 27/2 plus 5 for service = 4/3. Add 14 days to acknowledge so you must acknowledge by the 18th March. You then have a further 14 days to file a defence which takes you to 1st April.."

 

You do need to calm down and follow the guidance.

We could do with some help from you.

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Yes but in order to make sure it was there by the 18th I would need to send by next Friday at the latest,

as i'm not sure if i'm going to defend..

 

 

. it all depends what paperwork they come back with,

 

 

if they don't and I take it to the extra 14 days i'm then forced in defending am I?

 

 

or could I then admit if i wanted to and submit the admission form

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You do everything on line using the MCOL service....you dont send anything by post.

We could do with some help from you.

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It can be done on line you acknowledge service you state your plea you submit your defence (all on line)

We could do with some help from you.

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You are not reliant on whether they respond to your requests on time or not...the purpose of the requests is to put then to strict proof that they can legally enforce the agreement and that you are making a challenge....

 

Follow the guidance we do this 1000s of times a month...I will tell you if and when you need to make a u turn.

 

Regards

 

Andy

We could do with some help from you.

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One of the reasons for not admitting liability for any debt, partial or otherwise is because If the credit agreement has not been provided by IDR as the result of a CCA Request, then you have no way of ascertaining if the contract is legally valid under the CCA 1974.

 

In the absence of this information, you are unwisely, in my opinion, admitting liability for a debt,

that hasn't been proven to exist or one that conforms to the requirements of the CCA 1974.

 

You might be thinking that of course a debt exists!

 

However, for the purposes of the law, the existence of the debt is determined by a credit agreement being furnished by your creditors

and one that is deemed to be properly executed,

hich means its layout and content conforms to what the CCA 1974 prescribes.

 

So be patient

We could do with some help from you.

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they have sent an answer back to my CPR request

 

buying time and harrassing me with big words into folding saying that the template used is rubbish

and that they did not put any of the details I requested on the claim form

 

so therfore my request for them is not needed and

 

if i want to defend it good luck they still have not returned the CCA

 

... Can I PM someone?

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no theres not a need.

 

that's what we would expect from Plink

 

try and bluff you out

 

when in all probability, as always, they have NO LEGALLY ENFORCEABLE agreement

and never did and never will have,

 

type in LINK

in our search of the grey toolbar top right

and have a read of what they get up too.

 

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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Link not IDR have replied to my CCA request stating that they will have to contact BC to get it and this may take 30 days,

 

obviously this is past the date I need to make my mind up so should I still defend it??

 

I need to make my mind by the weekend really,

 

I would like to as they have disregarded my CPR request and now not supplying my CCA so would this be grounds to defend?

 

In the letter regarding the CPR they were whittling on about increased costs if I defend.

 

.. just in case I lost what roughly would this cost be?

 

also If I do defend can I re assign to a more loacl CC than Northampton?

 

Please advise ASAP

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wrong way around

 

you must always defend regardless

 

them having or not a CCA is THEIR problem not yours

 

they should not be issuing speculative court claims WITHOUT THE CORRECT PAPERWORK

in the first place.

 

 

so you HAVE registered MCOL and selected defendall?

 

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 but still worried about the costs if and only of I lose on a technicality,

 

i'm quite happy to defend forever and go to court every week if needed

 

but if i'm flooging a dead hrose is all the extra stress worth it?

 

I read on here some others that have been through the machine with these guys.

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only because they did not defend all.

 

link rarely have any enforceable paperwork

 

no claimant should be issuing a claim WITHOUT having the paperwork FIRST!

 

its an abuse of process in a way.

 

hoping to get a non contested default judgement.

 

it wont cost you anything more in court costs even if they do [unlikely] 'win'

 

you can only pay what you can PCM £5?

 

you file your defence on time end of

 

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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Lets go for it then IDR :-)

 

Dr Ian Creswell, at Birmingham County Court in January 2010,

defeated an attempt by the debt collection company Phoenix Recoveries to recover money on a credit card from HFC bank.

Judge Worster decided the reconstituted agreement provided to the borrower was inaccurate and invalid

because it had mis-stated the rate of interest actually paid by Dr Creswell.

 

Mr John McCullagh, at Bromley county court in February 2010,

defeated an attempt by MBNA bank to recover £15,753 on his credit card.

The judge said the copy of the agreement supplied by MBNA did not include Mr McCullagh's name and address

and the illegible terms and conditions were "plainly not a copy of those on the original agreement".

 

Mr Nathan Bachellier, at Hastings county court in October 2010,

defeated an attempt by debt recovery company Cabot Financial, to recover £5,908 run up on an MBNA credit card.

Judge Winslett ruled Cabot had failed to produce all the necessary documentation when trying to supply a copy of the agreement,

and that it was illegible, another breach of consumer credit regulations.

 

Ms Margaret Hayes, at Blackpool county court in July 2010, overturned a charging order on her home obtained by HFC bank earlier in the year

in pursuit of a debt of just over £5,000.

Judge Bell agreed that the bank had sent her someone else's agreement, not her own, and that the reconstituted agreement was not accurate.

 

At the Appeal Court in London, in January 2011, Mr Davendra Kotecha overturned an attempt by Phoenix recoveries

to obtain money owed on his HFC bank credit card.

The appeal judges agreed the bank had not been able to supply an accurate copy of his original agreement,

mis-stating both the interest rates and the bank's name, which had originally been Beneficial bank.

 

Mr Sean Murphy, at Oldham county court in February this year,

also defeated a claim from Cabot Financial, for the repayment of £11,953 on his Egg credit card.

The recorder, Nigel Clayton, found the copy of the agreement was illegible in places,

he could not see Mr Murphy's address on it,

nor were there any details of the payment protection insurance premiums Mr Murphy had paid.

 

Mr Scott Paterson, at Doncaster county court in February this year,

defeated Cabot Financial, which was trying to recoup £5,054 he had run up on a Morgan Stanley Dean Witter credit card.

Judge Russell decided the copy of the agreement was illegible,

the terms and conditions were not the ones originally supplied to Mr Paterson

and that Cabot had failed to produce a properly reconstituted document.

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only because they did not defend all.

 

link rarely have any enforceable paperwork

 

no claimant should be issuing a claim WITHOUT having the paperwork FIRST!

 

its an abuse of process in a way.

 

hoping to get a non contested default judgement.

 

it wont cost you anything more in court costs even if they do [unlikely] 'win'

 

you can only pay what you can PCM £5?

 

According to the earlier posts the amount claimed is over the small claims track limit, this is likely to go on the fast track. If it does and the Defendant loses it could cost him thousands in costs. Also, there is no guarantee that the court would order payment at an affordable rate.

 

I'm not trying to suggest that the OP should fold but the above 'advice' is just wrong. The OP deserves to know the risks before proceeding.

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According to the earlier posts the amount claimed is over the small claims track limit, this is likely to go on the fast track. If it does and the Defendant loses it could cost him thousands in costs. Also, there is no guarantee that the court would order payment at an affordable rate.

 

I'm not trying to suggest that the OP should fold but the above 'advice' is just wrong. The OP deserves to know the risks before proceeding.

 

I would appreciate it if another "legal" person could confirm the above.. i'm happy to put them to test but if i did lose I could not afford hundreds in costs.... let alone thousands

...

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Just be patient and wait FF we are along way off trials and costs...we are fully aware that this would be tracked to Fast Track as discussed earlier in the thread.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Just be patient and wait FF we are along way off trials and costs...we are fully aware that this would be tracked to Fast Track as discussed earlier in the thread.

 

Andy

 

Do you not think it would be nice to mention the risk of costs and confirm what I have said so the OP can make an informed choice? I'm not sure that just ignoring the issue will do the OP any favours in the long run, particularly as he has already been given bad advice on the costs implications which if not corrected could cause a real problem later down the line.

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Oh :-)

Andy can you answer regarding courts costs (should and if) I lose, it has been brought up by MJT2013 but has not been answered for some reason...

 

 

. also regarding my defence if that route is followed what do I give my reasons for???

 

 

I only have until this Tuesday to sumbit, or can I still use the 14 days and await the CCA result and then admit if needed without additional penalty?

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Its already been answered in posts by CitizensB and the consequences of Fast Track (claim over 10K).

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Well it hasn't really Andy..

I need to know roughly how much.

. if i did lose... £500? £1000? £5000?

 

 

would you recommend continuing and defending as they have not sent the CCA request,

 

 

i'm totally happy to defend but if it's really 50/50 and the costs are going to be massive...

. I need to send the admit form off by Monday if I am going that route..

or can I still have 14 days and then bin the defence if needed?

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