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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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T-Mobile- Red Sigma- Wrongful CCJ/Default


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first off I will try and make this brief and to the point as I can.

 

I am feel very frustrated and desperate to resolve this and clear my credit file.

 

Back in 2009 I decided to change my phone to T-Mobile,

after a week I found I could not get a decent signal in the area so the phone was no use to me,

I rangT-Mobile, they said it was within the 14 days and was fine to return,

they sentme a return bag

I returned the phone to them and that was that……

…………..or so I thought!

 

Roll on to 2015.

 

I’m looking to get on the property ladder soon so having checked my credit file recently,

turns out I have had adefault AND worse still, a CCJ :-xplaced on my file from Red Sigma which who was sold the debt from T-Mobile,

The CCJ is dated 2013 and for the sum of just over £200.

 

After further investigation, and numerous calls to now EE as own T-Mobile.

T-Mobile confirmed to me after investigation that I never owed them a penny,

the debt was never a debt, and was indeed incorrect,

the debt should never have been passed on to a Debt agency.

I am absolutely disgusted that this has happened,

I moved address so didn’t receive any paperwork etc ..

 

 

thinking that finally now it will be sorted,

a few weeks have been passed

and to date no communication has been sent from T-Mobile to Red Sigma

( who I might add have been quite helpful in this matter),

they said they can’t start removing default/CCJ without any confirmation from T-Mobile.

 

I have tried to contact T-Mobile,

I have to go around the houses each time I call them,

get put through to different teams,

who I have to explain he whole story,

nobody will provide me with direct line even though I asked them to contact me, I am at my wits end.

 

I just wanted to know legally where I stand as this debt was made in error and now it’s had such an adverse effect to my credit rating,

last year I tried to buy a car and failed to get credit,

in the end I had to borrow from my family instead, and wished id looked at my credit report sooner.

 

I did read up on here that I should start recording conversations, so I will start doing that.

 

The main priority for me is to remove this from my credit report.

 

Any suggestions where I go from here?

 

Thanks in advance.:|

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Hi bubblegum

 

" T-Mobile confirmed to me after investigation that I never owed them a penny, the debt was never a debt, andwas indeed incorrect, the debt should never have been passed on to a Debt agency. I am absolutely disgusted that this has happened, I moved address so didn’t receive any paperwork etc .."

 

You have the above in writing...?

 

You did inform them of your change of address?

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy, Not in writing no- this was done verbally,

I only spoke last week,

I have made notes on the call, and have logged the call,

taken the name etc of who I spoke to,

they now have my new address.

( I never thought I needed to update address in 2009 as never had an account no more with them).

 

I called them back again on Saturday and went through a couple of departments who were unhelpful

and wouldnt provide me a direct number as I wanted it in writing.

 

 

They said it was being dealth with and out of their hands was the phrase he used!

 

Regards

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if only you had read CAG customer service guide before you made that call.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Given the age of the judgment...you have 2 options....

 

Either pay it off and get it marked as satisfied......or make application to set a side the judgment and re defend the claim. (this will cost nearly as much as just paying it off)

 

The fact that you dont have the above in writing is disappointing and the fact that you didn't advise change of address (given your reasons which is understandable) will go against you.

 

A claimant is allowed to serve a claim at the last known address......so the court will accept that.

 

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

 

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I feel frustrated as I dont want the debt satisfying I want it gond and removed as it was unlawfully put there so you can see my unwillingness to do this option.

I will record my next calls, just seems wrong that they can do this and now Im suffering with regards to my future etc...

If I can get them to admit wrongful doing, what action can I take then?

many thanks for your help on this matter.

Regards

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One option is to approach the Judgment claimant and inform them of this information that has come to light since discovery...state your intentions to set a side and try to seek their agreement to Consent......then the process of set a side if far simpler and cheaper (£55).

 

 

But this is Red Sigma so dont hold your breath.

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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Red Sigma said they cant do anything until hear from tmobile.

If its set aside wont it still show on my credit report? I'm not sure? Id like it removed totally.

I will make further calls and be sending a formal letter of compliant to tmobile- hopefully they are going to resolve.

can i not take them to small claims if they dont do anything?

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Red Sigma said they cant do anything until hear from tmobile. Why ...I assume the debt was assigned and they are now the legal owner?

If its set aside wont it still show on my credit report? No I'm not sure? Id like it removed totally. The CCJ wont show and then neither will the default if you can prove the debt/data is invalid

I will make further calls and be sending a formal letter of compliant to tmobile- hopefully they are going to resolve. Pointless you have to take on Red Sigma...its their account their judgment

can i not take them to small claims if they dont do anything?

Possibly but try the above first.

 

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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Ok, have an update on this and I have received an email from the Executive Office.

I sent an email to the Chief Exec last week, outlining all of my concerns, quoted date/time of my calls and them admitting liability etc etc..not heard anything so again rang and spent another 90 minutes speaking and getting frustrated to various department, you know the drill... it makes my head hurt!

"I am sorry if this matter has caused you any inconvenience. I haverequested that the account be repurchased from Lowell and have asked that theyremove any late payments/defaults they may have recorded against your creditfile. (Is Red sigma part of Lowell as my DCA was Red sigma?)

However, the repurchase can take up to 90 days to complete and I cannot haveany amendments made to your credit file (from EE's perspective) until theaccount is back with us. Therefore, I have set a follow up for 90 daystime to have your credit file amended.

 

I appreciate you wanted this completing within 14 days, unfortunately this isnot possible. I will ensure that the credit file is updated as soon as itis possible for us to do this."

 

Ok, so im glad they have at least acknowledged and corresponded, however 90 days!!!???

Surely this is not right as Im stuck with waiting potentially 3 months for this to be removed from my creidt file?

any thoughts??

Thanks

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