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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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nat west have lost my loan agreement paperwork.


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I took out a loan with Nat West in May 2008.

 

I explained that I did not want it for more than 5 years, as I was due to retire in 5 years time.

 

The paperwork was drawn up and after reading it through, I signed.

 

When I asked for a copy, I was told that it had to go to Head Office first to be verified.

 

I began paying the monthly payment by Direct Debit and to be honest,

I forgot all about the fact that I hadnt got a copy,

until May 2010, when I received a statement showing all my payments.

 

The header on the statement said that I had taken this loan out for 84 months!

 

I visited my local branch where I had appplied for the loan and queried this.

 

I asked for a copy of the agreement and after many requests,

I eventually got a letter in August 2010 admitting that they were unable

to locate a copy of my agreement and that in these circumstances

if I chose to cease payments that they would not be able to enforce payment!

 

I still carried on paying for the full 60 months, because that is what I signed for.

 

My final payment was May 2013, I then cancelled the DD and

 

sought advice from the Citizens Advice Centre, who told me that without a copy of the agreement,

this loan was unenforceable and not to worry.

 

I have been sent a default notice and they say that my name has been put on the Credit Reference Agency,

but I am not bothered about that.

 

Since then, I have had three Collection Agencies

(Ascent Legal, Irwin Mitchell and Apex) asking for payment.

 

I have sent them all copies of the letter from Nat West, stating that this is not enforceable,

because they cannot provide me with a copy of the agreement, but still they keep writing to me.

 

The latest one is from HL Solicitors who claim they may take action through the courts.

 

I am getting so fed up with having to repeat myself to them

,Ii am just wondering if anyone can advise any action that will shut them up for good.

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Have you filed formal complaints with the dca and the bank?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hello and Welcome.

 

So far you have done everything correct, and if you have the letter from the bank saying they have not got a copy of your original agreement and they will not be pursuing you for future payment as it is unen, then IMO that is all you really need.

 

The fact that they have no flogged the remaining balance on to questionable DCA's is indicative of the banks gluttony.

I would be entering into their complaints procedure and exhausting it to your satisfaction, sooner rather than later.

 

Whilst they are able to submit a recon of the agreement, it beggars belief why they have chosen not to do so?

 

Formal complaint to the bank, and any missives you get from any DCA forward them to the bank that you took the original agreement out with.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you. Yes, I have sent Apex a letter of complaint

and have had a reply saying that they are "looking into" my complaint.

 

Ascent Legal and Irwin Mitchell were told by Nat West to `close the case`, back in November.

 

Incidentally, they were not told the reason why Nat West state I owe them.

 

Have sent letters to Nat West on several occassions but they never reply.

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If you sent a complaint and headed it as such, give them 8 weeks to send a final response otherwise get onto the FOS, and provide everything you have so far.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you. I am feeling more confident by the minute since posting on here. So, I send a formal letter of complaint (is there a template for this, please?) to the bank, along with any other letters I get from the DCA.

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I have already been down the FOS route, in 2010 when the bank couldnt find my agreement

- what a waste of time that was.

 

I sent them everything I had written to the bank, and their response was,

they had seen "dump prints" from the bank and that although I was paying my dd each month,

I was trying to get out of paying.

 

I tried explaining that I would like to see these prints,

because if they did not show my name and details, they would be irrelevant to my case.

 

As far as they were concerned, the case was closed and no more communication would be entred into.

 

Needless to say, I signed their final response letter as Not satisfied.

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Did you actually get a decision from an ombudsman then?

 

If the DCA's still chase and threaten you, then you really need to get in touch with the FCA and supply everything you have so far. You could also read up on harrison vs link in regards to continued harassment.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes, their decision was that they didn`t uphold my complaint, even though I intended to fulfill my obligation by paying the full 60 months, which is what I have done.

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  • 5 weeks later...

The latest is I have had a reply to my complaint letter to Apex, who have apologised for continuing to write on behalf of their client "nat west" regarding this.

 

They are admitting that their own system didn't work and that they should have put a stop to any communication once they were aware that the loan is unenforceable.

 

This letter was very honest and I appreciate them for holding their hands up and apologising.

To be fair to Apex, I do believe that Nat West did not give them the whole story and chose to ignore the fact that they have already admitted themselves that the agreement is unenforceable. Apex have confirmed that they will no longer be contacting me in the future and wait for it........... that Nat West have now recalled the case.

 

No doubt Nat West will try yet another DCA to try going down the same route again.

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I think your initial complaint should be directed to Nat West.

 

It is they who have screwed up and have confirmed that they are unable to pursue you because of this. In which case, they had no right to involve a 3rd party in order to pressure you to pay.

 

IMHO you have been treated unfairly. Not least because of them not providing a copy of the agreement at the time of signing.

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  • 4 years later...

Since my last post on this subject, Nat West had used some more DCA to try and get out of the fact that my agreement was unenforceable, (Robinson Way was used twice despite closing the account down in 2014). 

Westcot, Moorcroft, Irwin Mitchell are just a few.

 

Just to update readers, I had a phonecall from Nat West complaints a week ago, totally out of the blue, to inform me that they were writing off the balance and closing my file, so would not be contacting me again.

 

I requested a letter to confirm this and received that over the weekend, so...............................RESULT

. It certainly pays to keep positive and when you know that you are right, to hang in there and do not give up at any cost. 

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