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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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cohen Statutory Demand situation credit card


VIENNA
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Hi,

having recently received a Statutory Demand

I looked around the site for some relevant info.

 

I found this awesome post from tomterm8

and I have only just stopped laughing!!!!

 

Tomterm8 wrote-:

 

Dear XXXX,

 

RE: STATUTORY DEMAND SERVED DATE

 

Thank you for your letter dated XXth.

 

For your information, as someone with £XX,XXX assets, and debts of £XX,XXX,

I have been advised by the National debt Line that it would be in my interests to file for bankruptcy.

 

Due to my precarious financial situation, I have been unable to raise the finance to do so.

 

I would therefore like to thank you for offering to pay this substantial bill

- £1,100 I believe, with no prospect of ever recieving a return on your investment.

 

For your convenience, I waive the 21 days normally required before you file for bankruptcy.

 

There is no chance that i will be able to enter into any agreement with you for the repayment of this money.

 

Yours sincerly,

 

XXX.

:D :D

 

I applied for set-aside and later received a letter confirming withdrawal of the demand.

 

My question is that in this letter it states that both parties need to confirm to the court that the demand is withdrawn by consent on terms that there will be no order for costs.

 

However I have been put to certain costs so any advice as to how to proceed?

 

cheers.

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Is withdrawn different to set aside?

 

Does that mean that they can try again later?

 

(Just a thought that it might be better to say no so that it can actually get set aside)

 

This looks like a cheap way out for a DCA who is going to lose compared with a set-aside hearing, especially if they can re-file or go for a CCJ later.

 

Grumpy

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Hi Grumpy,

 

If the demand is withdrawn then the hearing is cancelled

I presume there is no set aside because there is nothing to set aside.

 

 

However, am I wrong to assume that they should inform the court of withdrawal and do not need my agreement to do so?

Are they simply trying to avoid costs and if so is it possible for me to obtain costs if there is no hearing?

 

I presume that they can try again but I'm not sure.

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Hi Vienna....can you give us a little more information on the situation, what are they claiming you owe (don't be too specific) ? what is the alleged debt for ? and what have you sent them ? what have they sent you so far ?.... Why have they withdrawn ? Is there a date set ?

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Hi 42man,

the claim is for a credit card

but they have failed to comply with my cca request but still issued this demand

 

. A date is set for next month [ after I applied for set aside]

 

then I received a letter stating their withdrawal and that I should contact them to agree to no costs and then our mutual consent would be forwarded to the court.

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Hmmm very interesting, to be honest i'm not sure what the best thing would be to do....you could write to them and indicate that you will see them in court and claim full costs, or you could write and say that you are willing to agree to withdraw if they pay your costs to date + removal of any adverse data on your credit files that they may have put against your name. Or if you're feeling extra generous then you can say you will withdraw if they remove all the adverse data they have put on your credit files (but get everything in writing)....

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I'm actually not feeling that generous at all!!

 

I'm thinking that their abuse of process has them worried,

but never having dealt with a stat demand before I wasn't sure if a withdrawal was normally concluded in this way or if in fact once they withdraw the matter is closed as far as the court is concerned.

 

However as I am the one who has applied for set aside is it up to me,

given that they have informed me of withdrawal,

to inform the court they have withdrawn?

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  • 3 weeks later...

Update!

 

My meeting with the sols was virtually a waste of time, he even told me that I would not be able to ask for costs! [Goodjob it was free].

 

onto the Hearing

, I simply explained my situation to the Judge,

who was quite helpful,

and said he had received a letter from the sols regarding mutual agreement as to costs.

 

He asked me if this was acceptable if he agreed to the set-aside and I said no!! :o

 

I explained my reasoning and he suggested a figure he would consider awarding me:shock: ,

 

I agreed with this figure and said it would be a fair amount.

 

They never turned up,

so I was in and out in minutes:)

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Hi Vienna,

 

That’s very encouraging news, as I have my own set aside hearing coming up in a couple of weeks time and I’ve been wondering about costs as well.

 

For anybody else that’s interested I did find out some case law in this area, although it is more about companies than individuals.

When a ltd company is faced with a statutory demand and then a winding up petition then it can only go ahead if there isn’t a genuine substantial dispute about the debt. This is (as far as I can see) exactly the same thing as the Set Aside hearing for an individual in that if there is a genuine dispute then there cannot be a bankruptcy petition.

 

The authority for this is Stonegate Securities Ltd v Gregory (1980) 1 Ch., (1980) A11 ER (1980) 3 WLR CA. This was confirmed last year in Hammonds (a firm) v Pro-Fit USA Ltd [2007] EWHC 1998 (Ch) (17 August 2007) where the judge said:-

 

27. So far as disputed debts are concerned, the practice of the court is not to allow the insolvency regime to be used as a method of debt collection where there is a bona fide and substantial dispute as to the debt. Save in exceptional cases, the court will dismiss a petition based on such a debt (usually with an indemnity costs order against the petitioner).

 

I understand that, normally, it is very rare in civil cases for an indemnity costs order to be made, but obviously, in these types of cases it is quite common.

 

Any comments from the more knowledgeable legal people here would be welcome

 

Regards

 

nicklea

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well done well worth turning up and a warning shot to these companies that sd's are not to be used as confetti:)

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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  • 2 weeks later...

subscribing

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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Hi,

the Court allowed 14 days for payment to be made directly to myself and this time is now up:confused:

 

It wasn't Lowells:eek:

 

 

Enforcement you say? Sounds good to me:roll:

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Same situation as you. Awarded costs and they haven;t paid. I'm tempted to go the "order to provide information" route first. This is wehere the court ordrs them to send a company officer to provide information so as you can work out the best way of getting your money. It seems if they fail to appear they can go to jail!. Once you understand the financial structure of the DCA you can get a court order to seize assetts i think

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ask the court what to do, I know they will send the bailiffs into the DCA if they do not pay, wouldn't that be nice:D

 

Barclaycard Student credit card £400 partial refund received, S.A.R -

Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983

Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital one MCOL Settled in full

Smile lba settled in full

advice is given informally and without liability and without prejudice.

 

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  • 4 months later...
  • 10 months later...

I think its possible that Mr Cohen has contracted swine flu................................or maybe he has sunstroke, whatever is affecting his memory he has failed to pay my costs. Oh well, it was only a Court Order, why would he bother about that:rolleyes:

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