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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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lloyds debts and capquest - scotland


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I had bank loan and credit card from Lloyds bank

 

l stopped paying March/April 2009

 

since then l have had numerous letters from debt companies

 

the latest from.capquest

 

saying if I don't respond before 8th August they may start taking me to court

 

not sure if I can go down the statu barred route

 

I live in scotland,

 

I know it is 5 yrs but is that last payment or what

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Hello and Welcome,

 

I've moved this thread to the Dealing with Debt in Scotland Forum.

 

If you have not acknowledged these debts in a 5 year period they will be statute barred, are they on your credit file.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Which Credit Reference Agency are you using ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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The cause of action, ie default by you wouldn't be until you missed a payment and then Lloyds have somewhere between 3 and 6 months to place a default on the account. I suspect you may not be quite there with it being SB and they're trying to get to court before the 5 years are up.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Depends what you want to achieve. Would you have a defence if not SB? Do you want to avoid court? Can you afford to pay the debt if you went to court and lost to avoid CCJ? Could you offer a full and final settlement too get rid of it before court? Do you want to fight it to the bitter end?

 

It's still only a threat of court at the moment. Might be worth a sar to see what they've got.

 

When was the cc taken out?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Capquest operate as a debt purchaser much more often than a mere collector "on behalf of". Are you sure they're acting as DCA for Lloyds or has the account been assigned [sold] to them ?

 

If it still belongs to Lloyds you are safe to ignore Capquest threats cos they'll simply return it to Lloyds if they can't pull your teeth out themselves.

 

If it belongs to Capquest and you have no property / assets / surplus income, you can still ignore

because - believe me - Cap are Grand Masters in the art of letters designed to scare but ultimately hollow. And that includes loads of mays shoulds ifs. Your letter as you report it sounds very Capquestish

to me.

 

Before the two accounts of mine they had bought had reached sixth anniversary of their respective last payment they threatened me with all sorts but then gave up completely. Exactly the same happened to an associate of mine.

On the other hand, if you do have assets or surplus income you may wish to be more circumspect. In that case I'd be inclined to go along with what caro suggests.

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I had bank loan and credit card from Lloyds bank l stopped paying March/April 2009 since then l have had numerous letters from debt companies the latest from.capquest saying if I don't respond before 8th August they may start taking me to court not sure if I can go down the statu barred route I live in scotland,I know it is 5 yrs but is that last payment or what

 

On unsecured loans and credit cards, the stat barred 6 year (5 in Scotland) starts ticking

When: A contractual payment was due and not made after which no further payment or unequivocal written acknowledgment of the debt was made.

Check Credit Reference Files asap, the default date will give you a rough idea when the last payment was made (up to 6 months prior to the default)>

 

On secured loans/ HP, the date of the default May be the "cause of action".

 

 

An SB letter if properly worded does not affect the status of the debt.

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thanks some say its only if you haven't heard from any debt company

Debt collection letters/demands for payment Do Not affect the status of a debt (not considered relevant contact) I don't know where that bit of nonsense came from.

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I'd advise doing all the checks before sending a SB letter in case it wasn't defaulted for a few months, just to be on the safe side.

 

Unless a claim has been issued it's best to avoid SB letters. Save that little nugget for you defence, rather than forewarning them now.

Edited by caro
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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thanks a lot

The SB clock for unsecured loans starts ticking from the date a payment was due and not made after which no further payment or unequivocal written acknowledgment was made just for safety take is as 1 month after the last payment.

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The SB clock for unsecured loans starts ticking from the date a payment was due and not made after which no further payment or unequivocal written acknowledgment was made just for safety take is as 1 month after the last payment.

 

Brigadier, I notice you use the word 'unequivocal'. When I was contemplating bankruptcy I wrote to some of my creditors asking

 

"I am trying to resolve my financial affairs. In order to do this I need to know the full amount that you claim I owe in connection with the above, including fees and charges applicable. I also need to know what amount you would be prepare to accept in full and final settlement of the debt."

 

In your opinion, would this represent an unequivocal acknowledgement of the debt at the time I wrote the letters?

 

LV

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Before considering sending a SB letter I would check the date of the default notice. You don't want to forewarn them it may be an issue and they could need to get their finger out if they want to go to court.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Brigadier, I notice you use the word 'unequivocal'. When I was contemplating bankruptcy I wrote to some of my creditors asking

 

"I am trying to resolve my financial affairs. In order to do this I need to know the full amount that you claim I owe in connection with the above, including fees and charges applicable. I also need to know what amount you would be prepare to accept in full and final settlement of the debt."

 

In your opinion, would this represent an unequivocal acknowledgement of the debt at the time I wrote the letters?

 

LV

 

 

It would be a close call with those letters in my opinion, the phrase "amount you CLAIM I owe might not be seen as admission of liability.

 

 

"The full & final settlement" might cause problems almost a matter for a judge to decide.

 

 

However a properly worded letter claiming a debt is statute barred will not affect the status of the debt in any way and may "pull out" anything that a creditor / DCA might be holding on the status of the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Can you still send a prove it letter to collection agencies even after they have been sending letters for yrs

Of Course each new DCA gets a prove it letter and/or CCA request.

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I guess I can't send a prove it letter as capquest has sent numerous letters also got my credit report bank default is October

October? When?

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