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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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Monument paid PPI refund to DCA on sold card debt - help!!


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HI

I applied for the PPI from Monument and i had an outstanding debt which was very old, they sent out an letter to claim PPI and i have applied online.

 

Now i have received an response from the they will be adjusting the money towards my debt, I have attached a copy from them, can you please guide and advise what would be the next best step to get the Ppi

 

PDF uploaded

monument reply.pdf

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sorry what is you problem then?

 

 

that's a std letter from monument by the way

had the same only 12yrs ago

but ofcourse the FOS have decided several times now it IS PPI but that's not the issue?

 

 

so why are you not happy with it?

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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if they still own the debt

yes they can offset against it

nothing you can do about it sadly

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 if they still own it

 

 

in E&W a statute barred debt still exists

just that any judgement anyone might get in court cant be enforced

so they don't bother.

 

 

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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Hi Dx

 

I have proof that is attached stating that they do not own the debt,

 

please see the attachment and advise.[ATTACH=CONFIG]65619[/ATTACH][ATTACH=CONFIG]65619[/ATTACH]

 

Sorry i am having problems with the attachment uploading,

 

it says that the debt was sold to Arrow Global in Dec 2014, so what should i do now?

Edited by almdhussain
problem with attachments
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attach as PDF's

follow upload

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... 

Link to post
Share on other sites

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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Share on other sites

  • 3 weeks later...

Hi

I have recived £400 out of 2.6k,

when i called Monument they told me that according to terms and conditions they are setting off the balance to the DCA.

 

I have read the thread by nutter192 and written a letter to them and yet to receive a response from them,

also asked for the written confirmation about the setting off the debt to Arrow Global.

 

Even though FOS says they cannot offset to a different company but Monument insists they can,

i am thinking of putting in a claim to get the balance, i shall be sending in LBA's soon.

 

Any advice on this matter is much appreciated.

Thanks

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no harm in ringing the FOS now and asking their opinion.

 

 

they might help before you need to pop their FOS CQ into them

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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Share on other sites

  • 7 months later...

HI guys

I have recieved an email from the fos adjudicator and they have told me that Monument has not done anything wrong by offsetting my debt even though they it is not owned by them?

 

this is new for me as i have read in the forums they cannot do it but the fos agrees they can,

 

can anyone help as i have to prepare and fight for this one, the letter that i have received from fos the text is below

 

""your complaint about R. Raphael & Sons Plc (trading as Monument)

 

Thank you for waiting while I’ve been looking into your complaint.

 

I’ve now looked at all the information that you and Monument have given me.

 

Based on what I’ve seen, I don’t think that Monument has done anything wrong – so I’m not asking it to do anything else.

I’ve explained why below.

 

your complaint Monument paid you a refund for the Payment Break Plan (PBP) attached to your account.

 

The refund was applied against your debt, which is now owned by Arrow Global.

The surplus was paid to you by cheque.

 

You believe this falls out of this service’s guidelines, and that the whole refund should be paid directly to you to pay off “as required or as I see fit”.

 

You’re also unhappy that Monument has not followed this up in writing after discussing the matter over the phone with you, and that it has not provided confirmation of tax paid on the refund.

 

I can only consider the complaint about Monument.

my findings

The guidance that you are suggesting Monument is in breach of is an issue of Ombudsman News dated September/October 2004.

It does not concern refunds.

 

Your assertion that Monument’s final response letter dated 9 November 2016 “admitted the Payment Break Plan was mis sold” is incorrect.

 

Monument very clearly stated at the top of that letter that “Without admission of liability, and as a gesture of goodwill, we are prepared to adjust your account”.

 

So Monument’s offer was made as a gesture of goodwill.

That’s important.

 

It’s quite possible that this PBP was not mis-sold and that you should really not be due any refund.

 

Indeed, I’ve not seen any information suggesting that you were mis-sold the PBP.

 

So it is to your benefit that Monument has refunded you these amounts as a gesture of goodwill.

 

Do I think that Monument acted unreasonably in offsetting the debt? Not at all.

 

It’s worth noting that in accepting this offer you agreed to the terms of it – most specifically, that “Any adjustment is offered without admission of liability and as a gesture of goodwill.

No conditions can be placed on the offer by any other party.

Any monies still owed from the original debt will be offset by the adjustment”.

 

But even without this cause, I can’t agree that Monument has acted unfairly.

 

Firstly, it’s paid you a refund that as far as I can see there was no reason for it to pay.

 

Secondly, this has benefited you.

It has not only cleared your debt but resulted in a further payment direct to you.

 

Monument has not acted at all unreasonably in paying the refund this way and I will not be asking it to do anything else.

 

Monument’s position is set out very clearly in its final response letter and was further explained to you by telephone.

 

In that sense, I’m satisfied it has addressed your queries.

 

Concerning the tax paid on the refund, this is very clearly explained on Monument’s final response letter.

 

I’ve included the relevant sections below:

what happens next If you don’t want to take your complaint further, you don’t need to reply.

 

But if you don’t agree with what I’ve said, please let me know why by 25 August 2017.

 

I’ll look at any new information you give me and let you know what I think.

 

If we don’t hear from you by 25 August 2017, we might not be able to look at your complaint again.

 

So if you want to reply but you think you’ll need longer, please tell me as soon as possible.

 

In every case, both the business and their customer can ask an ombudsman to make a final decision.

 

If you have any questions, please get in touch.

Yours sincerely""

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then you now need to prove it was mis-sold, in otherwords they were wrong to levy it upon you.

 

 

look at the T&Cs of PBP and find where you are not entitled to it. you did not meet the requirements.

 

 

that way it will over turn the GOGW and then they must refund you directly.

 

 

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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