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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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Lowell/Carter claimform - HBOS Current AC OD 'debt'***Claim Discontinued***


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Hi all

 

I have just received the following claim form from Lowell (Bryan carter) regarding an old bank account I had with HBOS:

 

Claimant name: Lowell portfolio ltd

 

Issue date: 18th June 2015

 

P.O.C:

 

The claimants claim is for the sum of £206.99, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant HBOS PLC under account reference 804xxxxxxxx257 and assigned to the claimant on 3/7/2013, notice of which has been given to the defendant.

The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with.

 

And the claimant claims £206.99

 

The claimant also claims statutory interest pursuant to S.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 16.57

 

The total amount being claimed is £298.56.

 

First of all I want to say that I intend to defend this claim in full.

 

In July 2008 I received a letter from HBOS stating that I had gone overdrawn on my account. I was told that I would receive bank charges of £35 and a further charge of £28 for an unauthorised overdraft fee.

 

As I did not agree with these charges I wrote to them explaining that my account did not go overdrawn (According to the online banking system)

 

After a week or so I received a reply stating that as a gesture of goodwill they would agree to remove the charges in full.

 

The following month I received my new statement and the charges will still there

 

I did try to explain to them that I had a letter stating that the charges had been dropped, but I didn't get anywhere with them

 

This then spiralled into the above alleged debt which obviously I don't owe.

 

I did receive a default notice, although I can't find it at present.

I have the copy of the letter they sent me stating that all bank charges would be removed from my account.

 

As you can see this goes back almost 7 years. I take it this would not be statute barred ?

Does that apply to this ?

 

I would appreciate any help on submitting a defence or if there is anything else I should do.

 

If you need any more info then I will do my best to supply it.

 

thanks

 

Lee

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If you could read the following and respond by posting your answers here lee.....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

Regards

 

Andy

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Hi andy thanks for the reply

 

1) Name of the Claimant ? - Lowell Portfolio LTD

2) Date of issue - 18 June 2015

3) What is the claim for – the reason they have issued the claim? -

 

1.The claimants claim is for the sum of £206.99, being monies due from the defendant to the claimant

under an agreement regulated by the consumer creditlink3.gif act 1974 between the defendant HBOSlink3.gif PLC under account reference 804xxxxxxxx257

and assigned to the claimant on 3/7/2013, notice of which has been given to the defendant.

 

2.The defendant failed to maintain contractual repayment under the terms of the agreement

and a default notice has been served which has not been complied with.

 

3.And the claimant claims £206.99

 

4. the claimant also claims statutory interest pursuant to S.69 of the county courtlink3.gif act 1984 at a rate of 8%

per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 16.57.

 

The total amount being claimed is £298.56.

 

4) What is the value of the claim? - £298.56

5) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - A standard Bank Account with no overdraft facility.

6) When did you enter into the original agreement before or after 2007? - I cannot give an accurate answer for this, as I have no paperwork for when the account was first opened.

7) Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. - It has been assigned to a debt collector

8) Were you aware the account had been assigned – did you receive a Notice of Assignment?

- I don't have a notice of assignment in my file, but it is possible that I may have lost/misplaced one.

 

9) Did you receive a Default Notice from the original creditor? - Yes, but again I don't have it to hand.

 

10) Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I am aware of

11) Why did you cease payments? - I haven't made any payments as the Bank agreed to remove the Bank charges.

12) What was the date of your last payment? - See above.

 

13) Was there a dispute with the original creditor that remains unresolved? - Yes

14) Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? - No

 

To expand on points 11 and 12

- The Bank in question (HBOS) added bank charges to my account in July 2008.

When I queried the charges they eventually agreed that they would be removed as a gesture of goodwill.

I have this in writing as proof.

 

When I received my statement the following month the charges were still there.

This has since spiralled into the above 'debt'.

As they agreed to remove the charges then obviously I haven't paid them anything.

 

A few more questions that I have:

 

Is it worth Me phoning Lowell and stating to them that I have proof that I don't owe the money, as HBOS agreed to refund the charges ?

 

Can I stop this going to a Court hearing ?

 

Should I be asking them for proof of the so called debt ? i.e. When it first dates back to ?

 

Does the limitations act apply (Statute barred) ?

 

Anything else I should do ?

 

Regards

 

 

Lee

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no don't phone lowells/carter

 

 

if indeed the debt is statute barred that will kill the claim dead

when you file the SB defence

 

 

you can send carter a CPR 31:14 [current account version from the legal section of the library tab top left

 

 

ack the claim defend all

leave juris unticked

 

 

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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Thanks for the reply dx

 

 

Should I send the version for a Current Account ?

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387483-LEGAL-CPR-31.14-Request-when-Claim-is-being-made-for-a-Current-Account

 

 

Or this version ?

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.(1-Viewing)-nbsp

 

 

I am not 100% sure what type of bank account I had with HBOS.

 

 

 

 

Also how do I go about filling in the defence ? Do I just word it that I don't owe the amount in question due to the Bank agreeing to refund me the charges ?

 

 

Also when I send the claim form back to the Court, and the cpr request to Bryan Carter what happens then ? Will the Court claim be put on hold until I receive info back from Bryan Carters ?

 

 

Sorry for all the questions but this is all new to Me.

 

 

 

 

Regards

 

 

Lee

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as said in my last post the current account version of the CPR.

 

 

you don't send the claimform to anyone

 

 

go up on MCOL website and ack the claim [AOS]

defend all

leave juris unticked.

 

 

comeback when you've done that.

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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can you 100% guarantee it IS statute Barred

6 yrs from last financial transaction in or out by the named defendant?

 

 

and that since that date the named claimant has never written and signed a letter concerning the debt set to anyone?

 

 

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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Hi dx

 

This dates back to July 2008 so I am pretty certain that it will be statute barred. I will try and give you a brief summary of events.

 

I first received a letter from HBOS dated 5th July 2008 stating that I had gone over my agreed overdraft limit.

 

 

The letter states that I would be charged £35 on 20th July 2008.

It also says that as I had gone over the agreed limit I would also be charged a monthly unauthorised overdraft charge of £28 which would be taken on 30th August 2008.

 

As soon as I received this letter I stopped using the account, and wrote to HBOS explaining that their online banking system had shown my account to be in credit.

I asked that they reverse the charges.

 

A week or so later I received a reply from HBOS, and they stated that as a gesture of goodwill they would remove all the charges (£63 in total).

I have this letter in my possession.

 

When I received my statement the following month the charges had not been removed. This has then spiralled into the Court claim by Lowell for £298.56.

 

I have not made any payment to HBOS or Lowell.

The account has not been used since I went overdrawn, and it is now long since closed.

 

The only letters I have had from Lowell as far as i can remember are the usual ones asking for payment.

I have not made any correspondence with them.

The only time I made contact was with HBOS back in 2008.

 

Regards

 

Lee

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then go file the SB defence now

 

 

no need to wait.

 

 

E&W

....

 

The following defence is all you need if it is SB

1 The Claimant's claim was issued on (insert date).

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.

.

If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

.

3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

.

.

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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Thanks again dx.

 

 

I have just been on MCOL and submitted the above defence. I take it that I no longer need to send the cpr request ?

 

 

What happens now, do I just sit back and wait for a response ?

 

 

 

 

Many thanks

 

 

Lee

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yep

you should get an ack of your defence filing

 

 

you can do a CPR

but SB defence is absolute

 

 

wont harm though.

 

 

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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  • 2 weeks later...

Just a quick update.

 

 

My defence was received by MCOL on 22/6/2015 at 8am. I have not heard anything from the Court or from Carters/Lowell.

 

 

I am guessing there is a time limit for Carters if they wish to go ahead with the claim ?

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No...... the claim will become stayed if no response after 28 days...but they can the revive the claim in the future.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 2 weeks later...

Ok so I have just received a letter from Bryan Carter this morning and it says the following:

 

We are writing to formally confirm our client's intention to proceed with this matter.

 

We will send notification to the court shortly

but before we do so our client is prepared to enter into negotiations to try and achieve a solution

whereby both parties avoid further costs and expenses, and if necessary to mediate.

The court encourages this type of negotiation between the parties.

 

Please contact our helpful team on (tel no) to discuss how we can come to an arrangement by consent.

 

I am quite surprised that they are prepared to carry on given the fact that it is statute barred.

 

Is it worth writing to them to explain that not only is it statute barred,

but that I also have written evidence from HBOS that the charges were to be refunded to me

, and so this alleged debt should therefore not exist in the first place ?

 

Or should I just let them proceed ?

 

Thanks

 

 

Lee

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if they do proceed

begging letter from carter

if you care to read around

quite usual

before he has to prob discontinue before it costs him more money

 

 

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

Hi dx

 

I had a slight inkling that it was a bit of a begging letter as they mention negotiations.

If they were confident of winning then I assume they wouldn't word the letter as such.

 

I will do a bit more reading on here and the net.

 

I guess there is no need to write back to them if I don't intend to negotiate ?

 

Regards

 

Lee

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you don't write back anyway

the matter is in the hands of the court

they direct what you do

not some fleecing fake/tame solicitor that automatically issues

speculative claimforms in the hope of a non defended default rubber stamped judgement.

 

 

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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I have now received a Notice of Proposed Allocation to the Small Claims Track and the N180 questionnaire form.

 

Do I need to send a photocopy of the completed N180 to Lowell as well ? As it says serve copies on all other parties.

 

What happens after I send the form back ? Does this mean they are definitely taking it all the way ?

 

Thanks

 

Lee

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no it doesn't mean it IS going to court

 

 

if you read a few carter claim threads

again you'll see this is std practice.

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

Ok thanks dx

 

 

So just to clarify things, once I have completed the N180 questionnaire form I send a photocopy to Lowell ? And the original back to the Court ?

 

 

Also will it harm things if I say no to mediation ? I would much rather explain face to face than over a telephone (if it goes to a hearing).

 

 

Thanks for the help

 

 

Lee

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always show willing to mediation, generally all the mediator ask have you received the documents from claimant if as in most cases you have not, if No they well say to you that the claimants failure has stopped mediation and they will refer back to court.

 

read other lowells threads etc you will see it is their method to mess you about etc

:mad2::-x:jaw::sad:
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Hi Mike

 

 

I will tick yes to mediation then.

 

 

I am not waiting for any documents from Lowell as this claim is just bank charges that the Bank agreed to refund to me but never actually did. I have proof in writing from HBOS to confirm the refund. Apart from that it is also Statute barred (Goes back to 2008).

 

 

I have read a few other threads and also threads on other forums and I have seen that they tend to discontinue a lot. Even if it does end up at court I fancy my chances :)

 

 

Thanks

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Hi Mike

 

 

I will tick yes to mediation then.

 

 

I am not waiting for any documents from Lowell as this claim is just bank charges that the Bank agreed to refund to me but never actually did. I have proof in writing from HBOS to confirm the refund. Apart from that it is also Statute barred (Goes back to 2008).

 

 

I have read a few other threads and also threads on other forums and I have seen that they tend to discontinue a lot. Even if it does end up at court I fancy my chances :)

 

 

Thanks

 

In that case say no to mediation....pointless if its statute barred

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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