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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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      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.
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DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**


MONTY
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Hi Mike,

 

I have checked my files, thoroughly.

 

 

These are the only T&Cs provided by the current DCA under my recent SAR to them.

 

 

I will try and improve the image and repost.

 

 

However, the copy provided to me is very poor.

 

For information, last payment 31.07.2009. I think the variations in sums owed is caused by the addition of penalty charges and interest after the DN was issued

Edited by MONTY
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DN sorted already

 

 

that's non compliant

 

 

it states 14 days

 

 

not a specific date in the format DD/MM/YYYY

 

 

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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SAR to original lender drafted and being sent by recorded delivery Wednesday.

 

Letter of complaint to current DCA drafted and being sent by recorded delivery Wednesday.

 

 

don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

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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a debt does not have to have a DN to be sold

 

 

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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Share on other sites

don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

 

For clarity, should I be sending a CCA request AND a SAR to the original lender? Will not the SAR cover everything?

 

Yes, I have moved twice but did inform the original lender of change of address (proof held) with the exception of my most recent move July 2013, but I have told the current owner of the debt.

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if the sar went to welcome

you don't need to repeat it.

 

 

CCA request goes to CABOT.as post 28

 

 

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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if the sar went to welcome

you don't need to repeat it.

 

 

CCA request goes to CABOT.as post 28

 

 

dx

 

To clarify - do I send CCA request to the current debt collection agency AND a SAR to the original lender? The current debt collection agency has responded to my recent SAR to them with the copy of the CCA and T&Cs posted in this thread

Edited by MONTY
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DN sorted already

 

 

that's non compliant

 

 

it states 14 days

 

 

not a specific date in the format DD/MM/YYYY

 

 

dx

 

I pointed this out to a judge with another debt and lost the case as he said I should have understood!!! I told him I wished to appeal and he said he would not allow it (that debt has been cleared now)

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I made an error in Post 26 which I have corrected.

 

 

Last payment was 31.07.2009.

 

 

However, from the original lenders transactional records they have recorded the £1.00 fees I sent to the debt collection agencies at the time

(I have copies of these requests and proof registered post) with my CCA request as credits on the account

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you say that you do not now own a property

 

this was a secured loan, welcome held a legal charge

 

what happened when the property was sold?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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How do I delete old files from my upload folder?

 

user CP top right

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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you say that you do not now own a property

 

this was a secured loan, welcome held a legal charge

 

what happened when the property was sold?

 

We returned the property to the mortgage company (not Welcome).

 

 

We wrote to Welcome explaining we had surrendered the property.

 

 

The property was sold by the mortgage company.

 

 

We entered into a repayment plan with the mortgage company for the outstanding balance.

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don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

 

Done. SAR signed and PO made out to Welcome. Sent - proof of postage retained

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Just been reading the FCA CONC.

 

 

Wow! There appears to be blatant disregard by the original lender and subsequent DCAs.

 

 

No wonder this debt has been passed to numerous DCAs over the years!

 

I cant thank Mikeymac2002 and others for putting me on the right track

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Thanks - cant see a delete button

 

 

user CP

 

 

misc

attachments

 

 

then tick the righthand boxes on the posts you want to remove the attachments on.

 

 

TIP look at the FILESIZE anything over 1Mb need removing.

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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Where there is a joint account and the DCA collection has placed the account on hold to investigate a matter with one of the named debtors,

are they allowed to immediately pursue the other named debtor, disregarding the dispute?

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Account in dispute so NO regardless of a solo/joint then its in dispute check out those regs from earlier post

 

Good point, well made. They put the account on hold to investigate issues I had raised, then pursued my wife.

 

CONC 7.5.3 A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

 

DCA's argument:

 

'With regards to any disputes on the account, we hold separate records for you and Mrs … it may have been the case, as in your most letter, as you state the account reference ............ only; we took this as the account was being disputed by yourself only. Your recent letter contains both names and as a result we have noted our records confirming that both parties are disputing the account'.

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Look how much info and control you are now getting I bet you thought you would never be able to take on the fleecers Monty so keep the pressure up and see what happens next....

 

 

They now have up to 56 days to deal with this complaint then they must send you their results, if they cannot sort the complaint out they must then send you a final resolution letter, stating what options you can take next

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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