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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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Equita -- pre-loaded charges in 2012 CTAX LO - can I reclaim???


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Looking through old papers ........

 

Back in 2013, council passed liability order of £642 to equita. I paid Equita £1039 within 3 months. I understand this was when they pre-loaded costs to the account.

 

The repayments were arranged and paid for over the phone. By they did say they MAY Send someone out to do what was then the walking possession order ...... But that never happened.

 

Ilooking back, I paid almost £400 in fees/charges 😱😱😱 I just wanted the debt cleared.

 

Would I be able to challenge those charges .... Or is it best just forgotten ...... As always any thoughts / comments most welcome

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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In my view you can still pursue this. You are going to have to ask them for a complete breakdown of the fees on the account. They may well try & argue there is a Data protection issue but there is not. Here's an example of a letter you could send them - adjust to your own needs.

 

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account, Can you please provide me with a breakdown of the charges.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at.

e - the date of the Certification.

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"

 

You can probably delete the references to the Bailiffs' Certification.

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Knowing Equita - they are very evasive - I wouldn't put it passed them to say they no longer have any records, but we'll cross that bridge when or if it happens. The Council are also responsible for the actions & charges their contractors take. You can also ask them similar questions. - like these:

 

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

8 - the dates & amounts of any payments

 

Do you happen to know if your Council use Capita for some of their back office functions. You can always send your communications initially by email to both Bailiffs & Council backed up with a hard copy sent by post.

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thanks Ploddertom.

 

 

I will write as suggested and see what they come back with.. It was only the one .. As detailed above, but when looking back at how much I paid .. It was extortionate 😱

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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The charges should have been:

1st Visit - £24-50

2nd Visit - £18-00

The game changes however when they could have seized some goods - possibly a car. Chances are they will have been claiming this. But lets wait & see what they come back with.

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thanks Ploddertom, I now have reference number and date the council passed to equita so will write to them and update post when I receive a response.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Ok, reply received this morning from Equita

 

Fees are.

1st visit. £24.50

2nd visit. £18.00

Levy fee. £45.00

Enforcement fee. £100.00

Giro book fee. £11.64

Card payment fee. £3.00

 

back in 2013, under the old fee regime, am I correct in thinking the levy could only be charged if they actually visited your home and entered and did a walking possession order?.

 

Also what would the enforcement fee have been for back in 2013.. Could they charge an enforcement fee if they hadn't done a levy??

 

That certainly never happened. I think the £45 and £100 were "pre-loaded" charges??

 

They go on to say for any further queries need to be directed back to their client, ie the council?

 

any thoughts?????

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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They are correct in that the Council are indeed responsible for the actions of their contractors but it sounds as if they are trying to wriggle out of their own responsibilities.

 

Have they given you dates on which the above fees were made? You will need these to go further. In the meantime you need to know from them what goods were levied for them to charge the Levy Fee - you should have been given a copy of the form which should list exactly the goods seized. You also need to know what exactly the Enforcement Fee was that they have charged. Lastly ask them which Regulation permits them to charge a Giro Book Fee & Card Payment Fee.

 

Please note Equita had form for pre-loading all charges prior to anyone calling at your door.

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Hi Ploddertom

 

Thank you for your reply.

 

I've certainly never seen any copy of any levy, nor have I ever signed anything and confirm that they never set foot in the house to perform a levy.

 

I will write again .. As no dates were given. I'll also ask the question regarding the other fees and post back again when I get another reply.

 

i got a breakdown from the council of the payments Equita made to them and they are a good time after I made the payments to Equita ... They obviously hold onto your money as long as possible😱

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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They go on to say for any further queries need to be directed back to their client, ie the council?

 

Just a word of caution, quite a few local authorities outsource their entire council tax recovery department to a firm called Capita. It would be wise to find out if they administer your local authorities council tax department . The reason being that that Capita own Equita !!

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Just proves again how broken Equita/Capita Abacus is. From your initial post you say you paid nearly £400 in charges to the Bailiff yet even their alleged table of fees only comes to approx £200 so another question must be where did the extra go to? Do you still have any or preferably all the receipts you were given?

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Giro book fee. £11.64

Card payment fee. £3.00

 

Cheeky buggers, deffo unlawful.

 

Ask them to provide a copy of the Notice of Seizure regarding goods they claim to have levied, and follow the advice of PT and BA,

 

About time Capita PLC and their subsidiaries Equita & Ross 'n Robbers were investogated again, as no doubt they wmight try preloading the Compliance, Enforcement, and Sale Stage fees as they did with the fees pre April 2014 if they think they can get away with it,

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Giro book fee. £11.64

Card payment fee. £3.00

 

Cheeky buggers, deffo unlawful.

 

Ask them to provide a copy of the Notice of Seizure regarding goods they claim to have levied, and follow the advice of PT and BA,

 

About time Capita PLC and their subsidiaries Equita & Ross 'n Robbers were investogated again, as no doubt they wmight try preloading the Compliance, Enforcement, and Sale Stage fees as they did with the fees pre April 2014 if they think they can get away with it,

 

That's the words I was looking for NOTICE OF SEIZURE. I knew if they'd ever levied anything that I should've had some paperwork .... I've nothing, and as they've not done a levy, I'd be interested to see their paperwork 😛

 

Looking forward to getting my teeth into this one ..... ... I'll update as soon as I get a response 😀

 

II'd counted up payments wrong and was actually charged approx £200 in extra fees not £400 as I typed😱 but even so, a lot of money to pull out for the sake of lining their pockets!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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  • 1 month later...

40 days almost up, and still no reply from Equita ....... let's see what the post brings in the next few days........

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Just proves again how broken Equita/Capita Abacus is.

 

At a conference that I attended last week, there was an excellent series of presentations regarding setting up of "in house' bailiff teams and a small number of local authorities spoke of their own plans to bring bailiff enforcement in house with others being very cautious indeed.There are are lot of difficulties in this area.

 

The largest 'in house' bailiff operation is that of Capita and Equita which I have been very troubled about for a number of years and even more so recently. When the new regs came into effect all CIVEA members agreed that in order to resolve the interpretation of 'seven clear days' on the Notice of Enforcement that each company would agree to provide a period of 14 days.

 

Equita have now cut that time period to 8 days and I receive endless enquiries that the Notice of Enforcement arrives on the same day as the compliance period ends.

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40 days almost up, and still no reply from Equita ....... let's see what the post brings in the next few days........

 

 

 

Have you reminded them of their obligation to provide what you want? Have they admitted receiving your request?

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Equita have now cut that time period to 8 days and I receive endless enquiries that the Notice of Enforcement arrives on the same day as the compliance period ends.

 

 

I do hope that a complaint is made each time this happens. Capita/Equita/Ross & Roberts have long since had the attitude Regulations do not apply to them & it must be time they were brought to book or kicked out.

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At a conference that I attended last week, there was an excellent series of presentations regarding setting up of "in house' bailiff teams and a small number of local authorities spoke of their own plans to bring bailiff enforcement in house with others being very cautious indeed.There are are lot of difficulties in this area.

 

The largest 'in house' bailiff operation is that of Capita and Equita which I have been very troubled about for a number of years and even more so recently. When the new regs came into effect all CIVEA members agreed that in order to resolve the interpretation of 'seven clear days' on the Notice of Enforcement that each company would agree to provide a period of 14 days.

 

Equita have now cut that time period to 8 days and I receive endless enquiries that the Notice of Enforcement arrives on the same day as the compliance period ends.

 

 

Bailiff, under what legal authority does the council (or any other public authority) have to use bailiffs in house. Under the Human Rights Act, any power a public authority has must be compatible with any Convention Article. Notwithstanding this, there must a legitimate aim and a principle or proportionality at common law (or as it were constitutional common law). Where do to these people think they live, in England we have to subscribe to the legal principle of the 'rule of law.'

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Hi Ploddertom, I've not reminded them. I do have proof that letter was signed for by them on 20 October. Is it worth just reminding them that I expect a full reply by 29 November?

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Hi Ploddertom, I've not reminded them. I do have proof that letter was signed for by them on 20 October. Is it worth just reminding them that I expect a full reply by 29 November?

 

I certainly would and point out they acknowledged receipt by signing for delivery on xxx date. Gives them less wriggle room.

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Sent off further letter reminding them that their 40 days are up on 29 November .......

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Update, no surprise .... 40 days up and no response to my (paid for) subject access request. 😱

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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What should I do if they haven't responded to the subject access request ?? Is it worth writing to them - again??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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No great surprise not have received what you are rightfully due. Have you checked to make sure the payment you sent has been cashed? To be on the safe side you must also allow them a few more days in case it is snarled up in the post - end of next week perhaps.

 

If still no answer then there are still things you can do to try & force their hand.

 

1 - make a complaint to the ICO - slow process with no guarantee of success, may take a year or more.

2 - issue a claim for non-compliance via the Small Claims Court - unfortunately you have to pay the fees upfront unless you are exempt - again can be a slow process but they must this time do as they are told.

3 - make a formal complaint to the Council CEO - they were the people who instructed them so bear the responsibility for the actions & charges of their contractors.

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