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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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American Express Corporate Card


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Items purchased for myself. The point im making is I never signed anything to say I'm responsible it was a company charge card....??? Yes I was irresponsible for using it I have never denied that. Didn't want to cause a forum war?! Confused by this site now because every post ive read isn't it about people trying to wriggle out of money they have spent on credit cards. How is this different?

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Well I've never thought that's what CAG is about - but perhaps that's my mistake rather than yours.

 

I'm afraid I don't know the basis on which Sky gave you the charge card, and therefore on what grounds you could possibly try to welch from your debt, but I'd be surprised if it was given to you with no understanding that you would have to pay it back.

 

It' seems to me a slightly odd arrangement anyway: my employer gives me a corporate credit card, but it's on the understanding that it is for business use only. I am not allowed to use it for personal purchases.

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100% agree and I never signed anything to say it was for company use only. Serious! They did mentioned it to everyone before I left because I believe this has happened to a lot of people there. I know cag is to help people with debt and fight off debt that has long gone. It has helped me massively in the past 10 years ago and I won my case. This whole debt is my fault for using it on things for me. Stupid totally. But because I never signed anything to say I'm responbily or its for business use only im hoping I have ground to fight the case. Maybe not but worth a try? Any help on next steps would be great I know nothing about charge card law.

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Did the charge card have your name and the company name on it? If yes, then you would have signed the agreement, and if you didn't sign it then someone forged your signature.

 

This really is quite silly. You admit its your mistake, You admit its your spending, you admit its your card, and yet you want someone else to pay. Good luck getting out of it in court.

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i did sign the agreement but it didnt state i was responsible for it. Basically I dont want to get a ccj. I have never received a default notice or is one on my credit file for it. I havent been sent anything to prove I signed for the card but I havent asked either. What should I do in terms of not getting the ccj? Do i ask for the charge card agreement eg a sar because its a corporate card. Do I contest the claim in court? Just wondering what people recommend?

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Upload court form reason. Anyone have any ideas on how to reply in my defence. I have done nothing so far as its a charge card not sure what to do? Eg send a Sar first to the solicitor? Apply for the acknowledge of claim form online to 28days. Any help would be great and templates

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I bet you in your contract it says that you must pay your charge card.

 

I bet you on the form.you.signed it says you are ultimately responsible for your charge card.

 

I bet the courts wont look favorabley on this for you as you had the card, you spent on the card and then you refuse to pay the card. The balance of probabilities to the eye of the court will be that it is your bill and therefore you must pay it. However, someone may be along soon to advise otherwise.

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You could always ask the cardholder if they would accept an out of court settlement and then make the offer of payments. They mustn't be derisory though.

Asking doesn't mean they will accept.

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You could always ask the cardholder if they would accept an out of court settlement and then make the offer of payments. They mustn't be derisory though.

Asking doesn't mean they will accept.

Any ideas on what to send out or fill to the courts to prove they have a signed agreement? Also no defaults? Is that normal for charge cards?

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I've emailed Brachers llp and im going to call them today. See what I can do in terms of paying them monthly. I've mentioned where to send a Sar as well?! Hoping they accept an offer of payments monthly so I don't get a ccj

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I can't see why they won't except monthly payments. If you go to court you show the judge you can't pay in one go and so get monthly payments. The only reason I can see for them going all the way, (beside being miserable sods), is they might be wary of you maintaining payments without a break, so I think a lot will depend on your past record of payments.

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Prob right to be honest but I haven't seen a signed agreement from

Anyone? Hoping they don't have one or not sure how I can not get a ccj and pay monthly for the debt?

 

 

You were an employee of the company?. The card was supplied by the company, and you signed an application?.

The card had your name on (and this is usually on a line above that of the company's name?)

 

If so, I'd suggest a position of trust has arisen.

 

Did you use it exclusively for company expenses previously?. If not, did you repay any personal expenditure you made using the card (previous to your spending binge before you left)?.

 

Even if you didn't sign an agreement with AmEx or the company, I doubt it would be hard for the company to show a "consistent course of dealings" that would help it advance the premise that a position of trust arose, that the card was for company expenses ...

 

Do you think you owe for the spending?.

 

If not, then don't repay it, and expect a CCJ.

If you agree you owe it, then make them a reasonable repayment schedule offer ..... you can always keep in reserve the concept that if they went for a CCJ a court would only enforce payment at a rate you could afford anyhow....

 

I've emailed Brachers llp and im going to call them today. See what I can do in terms of paying them monthly. I've mentioned where to send a Sar as well?! Hoping they accept an offer of payments monthly so I don't get a ccj

 

I don't see how an SAR will tell you anything you don't already know, unless there is PIP or penalty charges involved ..... are Brachers acting for AmEx or your previous employer?

If for Amex, might they try for a CCJ against you with your previous employer named as a second party? in which case its an easy win for them (and then to enforce against your employer, where your previous employer would then undoubtedly seek recompense from you....)

 

 

*EDITED TO ADD

 

They've issued the claim. Are your previous employer listed on the claim (as a 2nd party, anywhere)?

 

So, your offer would now have to include repaying the court fee and (limited) solicitor's costs.

If you say "a court will only insist on repayment at a rate I can afford", they may well respond "true, but at least with a CCJ we can get to enforce it". From their point of view, now that they have commenced proceedings, you'd have to offer them some benefit to them for not seeking a CCJ if they feel they have a good case.

 

Could you get your previous employer to pay, and reach an agreement with them to repay them?.

This would avoid a CCJ being registered against you, as long as you kept to the repayment schedule...

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This just seems to be going around and around. He is looking for a way of not paying a legitimate bill.

 

 

Which I don't think anyone has yet suggested (nor should they, if the site continues to not encourage debt avoidance : there seems nothing here to suggest improper behaviour by either AmEx or the employer.....)

 

A more charitable suggestion is that the OP may be looking for a way to obtain a repayment schedule while avoiding a registered CCJ, and I suspect this should be the better outcome (for the OP!) they should be aiming for.

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For which I've already made a suggestion. If they say no, then they would be silly as a court will if they should take it that far.

 

Why silly?

It will be a trade-off : the risk the court will impose a lower monthly repayment than the OP might offer outside of court against the certainty of having an enforceable CCJ.

 

Should the OP aim to offer them the best of both worlds if they really want to avoid a CCJ? How about a Tomlin Order?

 

Action gets stayed, so no CCJ registered, but can have stay lifted if OP doesn't stick to the repayment schedule.

Would that satisfy both sides, and save the court's time (a point the OP might make when proposing it.....)

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