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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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Cabot/optima ordinary writ form 05 Halifax credit card **DISMISSED**


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Today I got a citation from my local court for £8000 credit card debt. It is a form 05

 

The account was opened in 2001 and was defaulted in August 2006.

 

I was paying token payments of £1 toward this until 2010/11

 

The original lender was Halifax bank of Scotland.

The papers say that the account was assigned to Cabot in 26th January 2015

 

I have a notice of assignment dated December 2008

along with a welcome to Cabot letter saying they have bought the debt also dated December 2008.

 

I have today requested CCA information

 

I am not sure what to do now, it says I can either file a defence or apply for a time to pay direction.

 

I really don't have access to such sums of money to pay this

 

Any advice gratefully received

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well the court will probably allow them to claim 8% per annum so for ease sake the first year interest would be £640 and you offer to pay £60

 

you would never pay it off

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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just to let you know

certainly where I am the very far n.e. Scotland

cabot never turn up

simply use a locum or whatever their title is

they know scant info about the debt

 

you def need to get a CCA request running.

 

what date have you got to respond by

and what date is the hearing?

 

 

DO NOT ADMIT TO THE DEBT OR OFFER TO PAY

let them provide an enforceable agreement & the correct T&C's and

T&C's for the time of the DN and any significant changes.

 

 

pers I doubt they will comply.

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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just to let you know

certainly where I am the very far n.e. Scotland

cabot never turn up

simply use a locum or whatever their title is

they know scant info about the debt

 

you def need to get a CCA request running.

 

what date have you got to respond by

and what date is the hearing?

 

 

DO NOT ADMIT TO THE DEBT OR OFFER TO PAY

let them provide an enforceable agreement & the correct T&C's and

T&C's for the time of the DN and any significant changes.

 

 

pers I doubt they will comply.

 

I have 21 days to reply by the 6 th October, I sent off the CCA letter yesterday,

 

I haven't had a letter before action or any letters regarding this account recently,

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do you have other debts?

 

Yep, lots but all defaulted back in 2006 ,

I manage to keep up token payment until 2011 , I lost track of it all then

 

I realise I would never pay it off but I do not have any more money to pay it ,

 

What can they do to me if they win at court and I can't pay ? I'm terrified

 

I don't earn enough for them to arrest my wages,

my bank account never has enough in it to be frozen ,

I am in rented accommodation, I have a 10 yeAr old car, that's. It.

I don't know how to defend this claim,

I' will go and see citizens advice see what they say

Edited by diggie
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well they've sat on this till its almost at its SB date...

what does that tell you.

...

 

 

fat chance of them getting an enforceable and signed CCA from 2001 I'd suspect.

 

 

hold you nerve

don't admit to anything

and don't write/phone answer them on the phone.

 

 

cabot are simply hoping for a non defended rubber stamped default judgement

as they always do.

 

 

theses no rush to send page 7 is it? if its a form 1a back till just before 6th October

defend it

 

 

write in the space near that part

- pursuer to provide signed agreement and other paperwork they intend to rely upon

to enable me to, if necessary, construct a suitable defence.

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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well they've sat on this till its almost at its SB date...

what does that tell you.

...

 

 

fat chance of them getting an enforceable and signed CCA from 2001 I'd suspect.

 

 

hold you nerve

don't admit to anything

and don't write/phone answer them on the phone.

 

 

cabot are simply hoping for a non defended rubber stamped default judgement

as they always do.

 

 

theses no rush to send page 7 is it? if its a form 1a back till just before 6th October

defend it

 

 

write in the space near that part

- pursuer to provide signed agreement and other paperwork they intend to rely upon

to enable me to, if necessary, construct a suitable defence.

 

Yes it is page /form 07 , so I write the above and hand it back in on the 6th.

 

Then what will happen, do I need to go to a solicitor? I can't afford it so I would rather do it my self if possible

 

And thank you I have been up all night worrying about this

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nothing to worry about at all

you don't need a sols. its very easy to sort this

and win...

 

 

pers I'd be popping into the court and seeing the clerk to the Sherriff.[they have an office]

 

 

is the court local to you?

they are VERY helpful.

 

 

very worst that could happen is £1 a month IF you lose [fat chance of that happening!!]

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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Yes it's the local court Forfar

I didn't know that anyone at the court could help me.

I will fill out the form and hand it back in on the 5th october and then wait further developments. I costs £ 90 doesn't it?

At least I have a few weeks to get that together.

Thanks again ,

If it does go Against me how do I arrange the £ 1 a month is that direct with the court , and do I need to actually go to the court?

Sorry for the silly questions but my head is spinning

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£90?

doesn't cost you anything.?

 

pers I'd simply pop into the office asap.

they'll put you right.

 

you will have to attend the court on the hearing date on the form

 

nothing special

all the cases will be heard together

you will simply be called to a table at the front.

 

if the sheriffs over there are like ours in the north east

they will guide you.

bottom line is without the signed agreement they are stuffed

the sheriff knows the score

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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It says on the form if you wish to defend this action lodge a notice to defend form 07 . The notice to defend along with the court fee of £90 must be lodged with the sheriff clerk within 21 days of 14th September

 

Oh and there is no hearing date on the form,

Edited by diggie
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yes sorry leading you up a garden path

this is £8k here so

 

 

have you a CAB or alike near you

might be an idea to pop see them.

 

 

but the bottom line is cabot will need the signed agreement

 

 

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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hopefully they'll be familiar with the writ.

should be

 

 

its no big deal really

calm down.

 

 

what you need to do is go read about the number of times cabot have simply not turned up

or discontinued a case because of no CCA.

 

 

final legal forum

or dca successes one here.

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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Cabot raised an Ordinary Cause against me and when I tried to submit my own defence the Sheriff was very snippy and told me I hadn't followed the rules. Gave me 2 weeks to submit "legal defences"

 

I think it's just your luck which Sheriff you talk to and how their days going, Edinburgh Sheriff court has a few 'nippy' clerks.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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hopefully they'll be familiar with the writ.

should be

 

its no big deal really

calm down

 

what you need to do is go read about the number of times cabot have simply not turned up

or discontinued a case because of no CCA.

 

final legal forum

or dca successes one here.

 

Well I went to see a solicitor this morning and she advised waiting to see if they reply to the CCA request,

 

 

if I get the unenforceable letter then submit a defence other wise do nothing

and not return any response to the court and let the decree pass

and then offer them £1 a month as I don't earn enough for attachments or arrestment's

as they can do nothing else to me.

 

So I just need to hope they don't comply with the CCA request.

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no you must defend using the no paperwork/holding def

if they fail to supply the paperwork

 

 

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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  • 3 weeks later...

Submitted notice to intend to defend and the date for submitting final defence is 28th October, going to put in an action to sist the claim as no CCA paper work has been received within the prescribed time scale.

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great work

 

 

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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