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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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lowell /BWclaimform Blackhorse Loan AND Monument Credit Card 'debts'


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i have received a letter through the door

indicating i am about to be issued with a stat demand on behalf of a company called P&A receivables plc.

 

it reads

 

'i have been directed to serve you with a statutory demand issued under the insolvency act 1986 on behalf of the creditor.

 

unfortunately on the letter it does not give any further details.

 

all they say is they will be returning on a date and a time to either issue the demand or post it through the letter box!!!

 

what should i do???

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Are you currently dealing with any debt, where they have threatened bankruptcy during recent months ?

 

If so, what is the current position? CCA request ? When did you last make any payment ? Reasons for dispute ?

We could do with some help from you.

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hi, not currently dealing with any debt, i have constant reminders through from lowells regarding debts to lloyds, co-op and compucredit but i have not contacted them

 

I suspect it is Lowells, as P&A are based in Bradford, so close to Leeds where Lowells are based. Normally they use BW Legal, but perhaps they are issuing so many SD's that they cannot cope with the volume.

 

What are these debts to the companies you mention that Lowells are dealing with ? e.g credit card, bank o/draft.

 

If you have no other debts personal or business, then I am presuming that it is Lowell. If any of these debts would have a CCA, you need to get a CCA request into Lowell, before the SD is served. Then if they can't supply the CCA, you can use this as a reason to set aside the SD. You may also want to SAR the original creditors for all the info they hold. Perhaps charges and PPI you can claim back or other dispute that can be raised.

We could do with some help from you.

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thanks for that. the only reference on the letter is in fact a BW legal reference number. there are 3 accounts being dealt with by lowells, should i send a CCA for all three and a SAR for all three as well.

 

cheers

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thanks for that. the only reference on the letter is in fact a BW legal reference number. there are 3 accounts being dealt with by lowells, should i send a CCA for all three and a SAR for all three as well.

 

cheers

 

Yes that would be wise. Lowells may have combined the debts when looking at bankruptcy.

We could do with some help from you.

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thanks for that.

 

is there a template for the cca and sar request, secondly what if i don't know the original account numbers for the various accounts. all i have at the moment is the lowell references

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

SAR click on the word SAR

 

CCA request to Lowells just need to show Lowells reference and the original creditor involved.

 

SAR to original creditors, just need to include the name & address & date of birth held for the account. WIth these details, they should be able to find them.

We could do with some help from you.

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Another Lowell SD... what a surprise.

 

I expect that CAG only sees a small percentage of these. How many people actually look to challenge ? Not many, as I expect most people for fear of being made bankrupt, will enter into a repayment arrangment and in some cases the debts will be statute barred or the debt amounts are wrong etc.

We could do with some help from you.

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hi i will send off for the cca's and sar's.

 

what happens if they post the sd through the letterbox, is that still deemed served?

 

how long do i have before it goes to court?

 

i understnd if they do not send through the cca i can apply to set the sd aside, but in the mean time will lowells get in touch to arrange a payment arrangement?

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You have 18 days from the date you have the SD to set aside. ( they can put it through the letterbox, as the server will record having done so)

 

Asking for the set aside does not mean a hearing, if you have given solid reasons for it. Lowells may ask for one, if they contest. If there is a hearing, from what I have seen on here, they are usually within a couple of months.

 

No Lowells will probably not contact you about a payment arrangement, unless you contact them or BW Legal asking for it. Just because an SD is served, does not actually mean that they would continue to issue a bankrutpcy petition. I suspect that they don't follow through in all cases. But you should get the SD set aside, as if you don't then you are at risk of being made bankrupt, if they chose to do so.

We could do with some help from you.

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Hi hesanmp, if you have the same P and A recievings process server i did he was very persistant (and very rude to other half :!:)and came three times in all to serve me and on the third occasion I was in, he said he was only doing his job........looks like he must be very busy at the moment!!

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Well It was a recent debt and I owed it so I rang Lowell who said it was nothing to do with them now and so I rang BW legal.... against advise from here, and we agreed a monthly repayment plan. I made my first payment straight away and recieved written confirmation of the payment plan. I am nearly 6 months into my repayments and will continue to pay this as the fear of bankrupcy is what they have over you and its not nice to say the least. Thats just my own circumstances and everyones on here are different and you need to do what you need to do......

 

It might be the same Process server :!:

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hi so if i send through the cca request by recorded delivery tomorrow (30th) they have threatened to issue on the 1st. how long do they have to send through the original cca? can the court refuse to set aside the sd if lowells do not produce the cca?

 

They have 14 days to provide the CCA. They probably won't be able to do so, by the time you have to do the set aside, so you would do the set aside on the basis of a CCA request being outstanding, plus any other issues you can raise. Wait for the SD and see what it says.

We could do with some help from you.

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cheers ub.... so is it best to wait for the sd and then request a cca? otherwise i could be asking for cca's for accounts which may not be being chased, i hope that makes sense??

 

NO. Do the CCA NOW for all the debts Lowells are chasing. Reason being is that judges are not allowing set asides for CCA not be provided, when the CCA request was made after the SD was served.

 

For the set aside forms you will need to complete, you will have to wait for the SD, so you are able to complete them properly.

We could do with some help from you.

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is it £1.00 for each cca?

 

Yes unfortunately. Though cheaper than bankruptcy if it helps get the SD set aside.

We could do with some help from you.

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i wasn't worried about the £!!! is the fact i have requested the cca prior to the sd being issued (albeit by a day or so) a guarantee that the sd had to be set aside by the court?

 

No guarantee, but all court decisions are subject to judge lottery. It is just that a number of cases have been reported on here, where judges have refused the set aside, as the CCA request failure used in the set aside, was made after the SD was served. I think actually the judge in one case commented, that had the CCA been made just before the SD was served, the set aside would have been allowed.

We could do with some help from you.

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