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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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Lowells/? claim form - OH's old Vanquis card 'debt'***Settled by Tomlin Order***


Myfamily
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Any defence would be due by the 22nd August...so you need to get it submitted before next Tuesday.

 

Take a look in the legal success library....and look at the standard holding defence which puts the claimant to strict proof. Then have a go at adapting it to fit your claim.

Read a few threads in there ...you will soon get the idea.

 

Andy

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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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HI Andy,

 

Sorry been looking but struggling to find a defence that I can use, sorry bit out of practice with this court stuff. I'm worried about saying in thr defence that I have no knowledge when I e-mailed them asking for a agreement to be made - don't want to put my foot in it! and get it comepletely wrong.

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Copy and paste point 2 of their poc into the search cag box of the red top toolbar

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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oh and I also got a letter from Lowells saying

 

"we have now issued court proceedings in the form of a county court claim which you will shortly recieved directly from northampton county court as you have failed to make payments towards this debt or repsond to our letter of claim."

 

lists all the costs etc.

 

then says " call our team to dicsuss paying the outstanding balance, if you are unable to make this payment in full we can discuss the options for payment with you, we cannot help you to resove this matter if you do not engage with us."

 

What a cheek! - I e-mailed them and they refused to help! so I don't understand what they're doing!

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Absolutely...they are totally unreasonable and is all a show for the court of how they have tried to mediate and satisfy pre action protocol...when in reality their only intention is a default Judgment.

 

Don't be too concerned about the wording just yet it can be changed to suit your particular circumstances.

 

Andy

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thanks Andy, well the court claim was dated 21 July 2016 and this latest leter is dated 26th July and my e-mail was went to them on 26th July, they probably saw that straoght away and sent a letter out! - nice!

 

I'm just struggling to find a defence that i can amend! - will keep looking

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Standard credit card holding defence.......

 

1. The Defendant contends that the particulars of claim are vague and 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. I have in the past had financial dealings with xxxxxxx .I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.

 

3.Paragraph 2 is denied I am unaware of what account the claimant refers to.

 

4.Paragraph 3 is denied I cant ever recall receiving any Notice of Assignment from August 2012 or ever having being approached pre litigation with regards this alleged debt.

 

5.It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement with the Claimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default and with regards to my CPR 31.14 request.

 

 

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.

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You need to edit it to fit your particulars of claim..in particular the numbering to your particulars.....have a go and I will check it.

We could do with some help from you.

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Is this ok?

 

Particulars of claim (for cross reference only)

 

1) The defendant entered into a consumer credit act 1974 regulated agreement with vanquis under account ref **************** (the agreement)

2) the defendant failed to maintain the require payments and a default notice was served and not complied with.

3) the agreement was later assigned to the claimant on 4 / 09/2014 and notice given to the defendant.Despite repeated requests for payment the sum of £678.73 remains due and outstanding and the claimant claims

 

a) the said sum of £678.73

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 £0.149, but limited to one year, being £54.30

c) costs.

 

 

Defence

 

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.

 

1. Paragraph 1 is noted insofar as a contract relationship did once exist in the past.However I am unable to recall the precise details of the alleged agreement and any alleged outstanding balance and have therefore sought clarity from the claimant by way a Section 78 request and a CPR 31.14 request.

 

2.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.

 

3. Paragraph 3 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments

 

4.It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my to my CPR 31.14 and also my section 78 request and remain in default with regards this request.

 

6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

7. 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.

 

8. 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.

Edited by Andyorch
Particulars added and defence tweaked.
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Just a few tweaks to your 1/2/3 Myfamily...check it now and see if your happy and agree.

 

Andy

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ah ok, thank you so much Andy, going to send it now and hope for the best, will let you know as soon as I return, i am away for two weeks now so hopefully it will be quiet while i'm gone.

 

Thanks again

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  • 5 weeks later...

HI All,

 

Latest from this, got a leter from the courts, notice of proopsed allocation to the small claims track. had nothing further from Lowell.

 

This letter from the court says

 

1. This is now a defended claim.

the defendant has filed a defence.

 

2. It appears that this case is suitable for allocation to the small claims track.

if you belie that this track is not the appropriate track for the claim you must complete box C1 on the small claims directions questionaire, (form N180) and explain why.

 

3. you must by the 19th spet complete the small claims directions questionaire (form N180) and file it with the court office and serve copies on all other parties.

 

 

The fom is enclosed and also a letter asking whether we woudl like mediation to avoid going to court.

 

Help!

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Simple to complete...yes to mediation yes to small claims track...state your local county court......the rest are self explanatory tick boxes.Submit it by the date stated and serve a copy on the claimants solicitor.

 

Andy

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Thanks Andy, kinda what I thought :-)

 

But nothing from Lowells, should I be worried?

 

 

Also was hoping to get this sorted without hubby being involved but I soppose that won't be possible,

 

 

just don't want to stress him, his father died and we've just had the funeral, generally a pretty rubbish year for him!

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Nothing from Lowells is the norm...wait for Allocation and then post the courts directions (they will be ordered to disclose the original documents)..you also will be directed to follow directions.......(standard disclosure and submitting a witness statement)

We could do with some help from you.

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HI All,

 

sorry another question about this, about to post off the directions questionsaire. Recieved one from Lowells saying 0 to the question re number of witnesses including themselves who will give eveidence on your behalf at the hearing - is this right? do I put the same?

 

Oh and should hubby sign it or just block caps?

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always sign court forms = or be laughed out of court - unless of course you can prove it? bit of advice - sign normal BUT do a slight variation mark/etc and take copy of date/time and keep safe just in case if it worries you, there has been no cases of Lowells doing that, why because they would be out of business if found guilty!!!

:mad2::-x:jaw::sad:
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