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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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Lowell/? claimform old Lloyds TSB Overdraft 'debt'


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Hi,

 

I had a default with Lloyds TSB a few years back, which Lowell took over. A few days ago I received a letter through the post from court saying Lowell want this debt paid and I have 14 days to respond.

 

The original debt was made up of charges (because of an unplanned overdraft), The total amount owed is around £1400 and I just refused to pay it and buried my head.

 

Is there anything I can do about this now or should I just accept and pay it in installments? Really don't want a CCJ.

 

Thanks

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Have you received a claim form from Northampton?

We could do with some help from you.

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Thread moved to Financial Legal Issues.

 

jaylee If you would read the following link and then copy and paste the Qs and your responses back here for further advice.

 

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

 

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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Name of the Claimant

 

LOWELL PORTFOLIO

Date of issue – 16th June 2016

 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -

 

^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total

 

What is the claim for – the reason they have issued the claim?

 

1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds Banking GrouP PLC under account reference XXXXXXXXXX ('the Agreement').

2) The Defendant failed to maintain the required payments and a default notice was served and not complied with.

3) The Agreement was later assigned to the Claimant on 17/06/2015 and notice given to the Defendant.

4) Despite repeated requests for payment, the sum of £1,309.85 remains due and outstanding.

And the Claimant claims

a) The said sum of £1,309.85

b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.287, but limited to one year, being £104.50

c) Costs

 

What is the value of the claim?

 

Amount claimed: £1414.35

Total amount: £1564.35

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Unplanned overdraft on a current account.

 

When did you enter into the original agreement before or after 2007? After, 24/12/2009 as stated on my credit report

 

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. Lowell, debt purchaser.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I think so.

 

Did you receive a Default Notice from the original creditor? Not that I'm aware of.

 

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

 

Why did you cease payments? Couldn't afford to pay the ridiculous fees they were charging me every month.

 

What was the date of your last payment? I'm not sure, on my credit file it's showing no payments for the last two years, and no payment history before that for some reason.

 

Was there a dispute with the original creditor that remains unresolved? No, I contacted them a while ago to dispute it but nothing came from it.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementlink3.gif plan? Yes, but I couldn't afford to stick to it.

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Many thanks....okay get a CPR 31.14 Current Account version sent to the Sols...and then register to use MCOL and acknowledge service of the claim.

 

Andy

We could do with some help from you.

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Many thanks....okay get a CPR 31.14 Current Account version sent to the Sols...and then register to use MCOL and acknowledge service of the claim.

 

Andy

 

So I just get a version printed out and then send it to them first class recorded or something?

 

Thanks

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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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So I just get a version printed out and then send it to them first class recorded or something?

 

Thanks

 

No

We could do with some help from you.

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I'd be very interested to know whether these charges were levied in respect of unauthorised payments which were permitted, or in respect of unauthorised payments which were bounced.

 

In other words, did you receive any service at all for the charges.

 

This is a very important question and I'd be grateful if you could respond in as much detail as possible please

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All I remember from back then was that I was in trouble with payday loans,

I had no money in the bank to cover the repayments but they authorized some of the payments to be taken out anyway.

 

 

It put me into an unarranged overdraft where I was getting charged stupid amounts of money.

I called them and we entered into an agreement and I believe they put me on an account which i had to pay £10 a month for, and in return I wouldn't get charged unarranged overdraft fees, I think it was an account called "control" or something.

 

That's all i can remember unfortunately.

 

Thanks

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Where do i send it just to the solicitors address?

 

Thanks

 

As per post #6 above Solicitor

We could do with some help from you.

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Well I think that it is important to understand how the charges were incurred/why they were levied.

 

I think in addition to following the advice you've been given above, you should send the bank in immediate SAR. You need to get all the information you possibly can so that you can understand exactly the pattern.

 

Tipping on the answer you can give us, there may be a basis for running a defence of unfair treatment – assuming that you feel that you would like to try and defend the action.

 

I think you need to get the SAR in the post – recorded delivery – and accompanied by cheque, tomorrow. Are you up to defending this legal action?

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  • 2 weeks later...

I unfortunately haven't had the chance to get anything printed up (because I don't have a printer)

and sent in the post,

 

does anyone feel I still have a chance to defend this action now I've left it so late?

 

I've had a look and from the sounds of sending an SAR it can take them a while to get back to you,

would that still be the same for a CPR?

 

The only thing I've done in the past 3 weeks since receiving the claim form was acknowledge the form on mcol website!

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You could have written it by hand. Do it now

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Please tell us you have at least acknowledged service of the claim?

 

Yesterday was the cut off (19 days)

We could do with some help from you.

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  • 2 weeks later...

I receieved this from them today (The last day i have)

 

We reply to your comments as below;

 

1: The agreement/overdraft Facility confirmation and Terms and Conditions from that date pursuant to section 61B of The Consumer Credit Act - the agreement has been requested and will be sent to you once received from our client.

 

2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA197 - the default notice has been requested and will be sent to you once received from our client.

 

3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C – please be advised that the NOSIA act was introduced in 2015 and your account was defaulted by the original creditor on 14 January 2013 therefore, this will not be available on your account.

 

4. Notice of Assignment – this has been requested and will be sent to you once received.

 

We can further confirm that you made a payment towards this account of £90.00 on 07 September 2012 which was 3 years after the date of the account being taken out.

 

We will provide you with the requested documents once we have received the same from our client.

 

In the meantime, if you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334.

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So have you acknowledged service ?

 

 

With regards to above...good luck to them and we will wait and see what is received.

 

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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So have you acknowledged service ?

 

 

With regards to above...good luck to them and we will wait and see what is received.

 

Andy

 

Yes I did, but today is the 30th day so am I not out of time to do anythung about this?

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Your defence must be submitted by next Monday 18th..the above has no relevance to your defence...apart from them failing to comply with your CPR 31.14 request.

 

Plenty of overdraft defences in the Legal Success forum you can adapt to suit your particulars.

 

Andy

We could do with some help from you.

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So tomorrow I submit a defence based on the fact they haven't bothered sending me the necessary documents? Not really sure what I should be doing next if I'm honest. Thanks for your help.

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