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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.  
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    • 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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Problems paying Provident loans


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Hi guys.

 

I would really appreciate some help with this. A member of my OH's family has run up at least £3k credit with Provident.

 

 

She is very unwell at the moment and has been hospitalised and her doctors are concerned about the impact of all of this on her mental wellbeing.

 

I've seen agreements for 2 loans that I think are currently running, costing £30 and £200 a month each, but I haven't seen all the paperwork yet.

 

Her husband has been signed off sick from work and is only receiving SSP and possibly some benefits.

This means he can't afford next week's payments - what can he do please?

 

The other concern is that their finances weren't sufficient to fund this borrowing so it could be irresponsible lending.

 

Should we be sending off an SAR please? Thank you for any thoughts you have on this muddle.

 

HB

Illegitimi non carborundum

 

 

 

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First things first I would be contacting Provi and informing them that these repayments are unaffordable, that their circumstances have changed dramatically, and for the foreseeable future, payments will be reduced to the legal token payment of £1 a month.

 

Inform them of ill health, but obviously don't give in to their demands to view confidential doctors notes or letters to 'confirm' this.

 

Provi only provide loans between 100 and 1000, and even a 1000 loan spread over the full 52 weeks is only £35 a week?

http://www.providentpersonalcredit.com/

 

SAR could well be a good start,

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 BB.

 

I was interested to see the £100 to £1000 figures on the website as well. One of the loan agreements I have a copy of definitely says £2,500 repayable at £50 a week for 110 weeks.

 

Should correspondence go to their Bradford address please? And why wouldn't you show them copies of doctors' letters?

 

HB

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Should correspondence go to their Bradford address please? And why wouldn't you show them copies of doctors' letters

 

Simply because they are strictly private and confidential, between Dr & patient, don't let these loan sharks get above their station!

 

Not sure about the Address?

This is their debt 'advice' http://www.providentpersonalcredit.com/loan-repayment-difficulties/

 

But seeing as they're registered at the Bradford address, I would think it would be perfectly correct to send it there?

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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Yes got it cheers!

 

All read and understood, did reply but either yours or my message box is full?

 

Anyhow, if that's all it says, I don't see any problem.

 

If they then begin demanding anything further, then the complaints can start to roll in, after all, they're not medically trained/qualified, so that info the Dr has provided should be fine.

 

Plus it's always better to send it before they request it, it can only help them in this situation.

 

If they refuse to help or frustrate the process, then it will only ever go against them if it ever reaches the dizzy heights of legal action,

which I don't think it will...

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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Is this being paid at the door or via a Direct Debit, HB ?

 

If by DD - then get that stopped immediately. Any payments that might be made after the DD has been cancelled, can be reclaimed using the DD guarantee.

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Can i throw my 2 cents in on this? ^__^

 

I suspect that the loan agent will get very pushy especially after knowing payment wont be forthcoming.

Can I make a suggestion that someone sits round with them and records everything that they say privately so that you are both covered.

 

I would also suggest that the payments are dropped to £1 / Week / Month depending on what they can do.

As advice for what you have given me, these arent priority debts and even so, if it did go to court then i suspect that either these would get reduced heavily / payment plan agreed and stuck to £1 a week or they get written off due to the unwell nature of the wife.

Is it just her on the agreement? If so then, they cant force the Husband to pick up the debts as he is not the "debtor" in question.

 

Please Please Please... It might be worth emailing [email protected] and complaining about the irresponsible lending.

Also on the other side, make sure you tell those 2 that they are in good hands and are going to be okay, last thing they need is to be worrying about this :), It takes its toll, something I only know all too well.

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My daughter has a provi loan and TBH, affordability never enters the equation. Irresponsible lending is their modus operandi!

 

I am hoping the loans are in one name only. Both names, both liable.

 

While I wouldn't want any personal info given out, the consultant at the hospital may be able to do a letter which may help the situation.

 

Once the SAR comes back (is she mentally capable of understanding the letter of authority?) you can then soon see if they have loaned without the relevant checks. Also check the credit files.

 

IF the loans are in her name and no real prospect of recovery in the long term, I would hope that provi write it off :flypig:

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I've seen separate loan agreements for the same amount in both names, if that makes sense. It's not clear if it's one loan or two at this stage.

 

For now, I would say she isn't capable of understanding the LOA atm.

 

Correction, they're not loan agreements, they're pre-contract information print-outs.

 

HB

Edited by honeybee13

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I have had my share of DCA chasing me and i found out provident were OK after you get through the first layer collections

 

i had taken out a Satsuma loan, it was for £500 payable back weekly. I suffered a major medical condition and was ill health retired from work. They were pushy (Provident) to begin with but i stuck to my guns. I paid back £10 a week and stuck to it. It was a struggle and made the last payment last week. As i negotiated etc they did not default me with the credit agencies, just arrangement to pay.

 

All i can say is phone them and ask to be put in touch with the collections dept/ Credit control. I might have just struck lucky, or they really do subscribe to helping borrowers in financial difficulty

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I have had my share of DCA chasing me and i found out provident were OK after you get through the first layer collections

 

i had taken out a Satsuma loan, it was for £500 payable back weekly. I suffered a major medical condition and was ill health retired from work. They were pushy (Provident) to begin with but i stuck to my guns. I paid back £10 a week and stuck to it. It was a struggle and made the last payment last week. As i negotiated etc they did not default me with the credit agencies, just arrangement to pay.

 

All i can say is phone them and ask to be put in touch with the collections dept/ Credit control. I might have just struck lucky, or they really do subscribe to helping borrowers in financial difficulty

 

Thank you, that's very helpful. :)

 

HB

Illegitimi non carborundum

 

 

 

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Can i throw my 2 cents in on this? ^__^

 

I suspect that the loan agent will get very pushy especially after knowing payment wont be forthcoming.

Can I make a suggestion that someone sits round with them and records everything that they say privately so that you are both covered.

 

I would also suggest that the payments are dropped to £1 / Week / Month depending on what they can do.

As advice for what you have given me, these arent priority debts and even so, if it did go to court then i suspect that either these would get reduced heavily / payment plan agreed and stuck to £1 a week or they get written off due to the unwell nature of the wife.

Is it just her on the agreement? If so then, they cant force the Husband to pick up the debts as he is not the "debtor" in question.

 

Please Please Please... It might be worth emailing [email protected] and complaining about the irresponsible lending.

Also on the other side, make sure you tell those 2 that they are in good hands and are going to be okay, last thing they need is to be worrying about this :), It takes its toll, something I only know all too well.

 

Hello and thank you for replying. We shall certainly complain if the SAR throws anything up about irresponsible lending, etc.

 

Noted about someone being there and the recording. Apparently the agent doesn't have a set time to arrive and just rings to say they're on their way. I don't live close to these people, so need time to get there. My OH has just downloaded a sound recorder onto his smartphone, so I can use that if the member of the family can't record. Or maybe I'll do it as a back up. :)

 

I plan to type up the SAR request and an adapted template letter from our library asking to reduce payments, to be sent to head office. Another member of the site team has suggested that he writes to head office to explain the problems, with the letter from the hospital and his I&E sheet. Then tell him not to let the agent in and hand them a copy of the letter [without the personal information] on the next collection day.

 

Can he sign the letters on behalf of both of them?

 

HB

Illegitimi non carborundum

 

 

 

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Can he sign the letters on behalf of both of them?

 

I don't see why not, given the current state of her mental health, only a fool would try and claim they can't accept anything without her sig on it.

 

Have you had a look through MALG?

http://www.malg.org.uk/debtmentalhealth.html

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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I've no idea sorry, just been on their website to try and find out, and came across this little gem!

 

I had my first Provident loan when I was 18, and I’m 43 now so I think that’s a good indicator of customer satisfaction!

http://www.providentpersonalcredit.com/complaints-procedure/

 

25 years to pay off his loan from when he was 18!!!

 

OK, OK, I know what they're saying really....

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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Agree with BB, Great idea...

However, also send a copy of the letter, slightly amended saying a SAR Request is being sent and you are complaining.

 

Secretly, I wanna see these written off

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Agree with BB, Great idea...

However, also send a copy of the letter, slightly amended saying a SAR Request is being sent and you are complaining.

 

Secretly, I wanna see these written off

 

I've done separate letters for the SAR and asking to pay token payments. I was going to see what the SAR says before complaining, are you saying that should be mentioned now?

 

HB

Illegitimi non carborundum

 

 

 

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