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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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Unknown Vets CCJ - Now HCEO and Debt collector writing to me at work


Debvfm
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Hi All

 

I hope that you can give me some advice as I am not sure what has happened to me today is legal.

 

I had to have the vet out to my horse last year and had to pay 500 in advance for his treament and then the rest on account.

 

I had every intention of paying.

The debt was in my married name

(I have since reverted back to my maiden name) at an old address.

 

My horse was treated however the vet made several mistakes

(such as not adminstering him antibiotics which resulted in cellulitus)

I disputed the amount at the time.

 

The vet said they would reduce the bill if I could pay in full.

At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined.

 

A debt collector went to my old address (I know the new tenant) and was told I was no longer there.

 

Today I went into work to find out the soliciors now instructed have written to me at work threatening me with a CCJ and saying I won't be able to find another job if they enforce it.

 

Are they allowed to harrass people at work?

How will they enforce the debt they surely cannot register it against the company that I work for?

 

Obviously this will be really embarrassing for me at work as I am apart from the Director the most senior member of staff.

Thanks

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Thread moved to the appropriate forum..please continue to post here to your thread.

 

 

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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WHO???

What is the name of the solicitors and debt collection agency?

Name names please.

 

If you have those foolish threats in writing, then the FCA would be very interested to see them.

 

Can you scan and post up what you have so far?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

 

Thanks for your quick reply

- I assume this is now on the correct forum?

Apologies for posting incorrectly.

 

I won't be able to scan the letter until tomorrow but the name of the solicitor is E Baring and Co.

 

The letter text is below:-

 

We refer to the Judgement entered against you on behalf of our above named clients dated 18th April 2017 in the sum of #2803.12. The statement of account and two invoices attached.

 

The Judgement is payable immediately and therefore we require your remittance made payable to JE Baring and Co or alternatively your realistic proposals for our client's consideration by return of post.

 

This Judgement has been registered in the Register of Judgements, Orders and Fines and cannot be removed until the Judgement is discharged in full.

 

 

The Judgement will be registered against you for a period of 6 years unless paid in full.

We are sure you appreciate the implications of having a Judgement registered against you and the possible impediment with regards to seeking employment and obtaining credit in the future.

 

In the absence of your remittance we hold instructions to proceed by way of a Warrant or an alternative form of enforcement without further notice, thereby incurring further costs for which you will be liable to pay.

 

It is imperative for you to contact us immediately to arrange payment.

 

The address to which this was sent was only our registered office (virtual presence) and not the actual office in which I work.

 

 

Regarding the Judgement the first I had heard of it was when I got the call to say the bailiffs had attended my old address.

 

Thanks

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I would guess you have a CCJ already registered to your old address

and that the door knockers were NOT debt collectors

by High Court Enforcement Officers.

 

so you've probably already gotten another several £100's of pounds of fees added

 

can you PROVE the VETs knew your Present address

 

if not

I cant see what you can do about this

other that fill in an N245 variation order and send it to the court.

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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thread retitled and moved to general legal issues

[debvfm keep posting here simply an admin move]]

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

The vet said they would reduce the bill if I could pay in full.

At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined.

 

 

In my opinion what you describe above (if accurate) is an example of credit broking (provided that the suggested loan was one that could be used for any purpose and not only for paying the vet fees) for which your vet would need permission from the FCA (as this is a regulated consumer credit activity).

 

If they haven't got FCA permission, then is beyond dodgy, and perhaps bordering on being a criminal offence.

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Hi All

 

Checking through my emails the Vet's did the loan application form their end so sent me a link. They applied for it on my behalf with a company called Shawbrook Consumer Lending. This would indicate definitely that the loan was to be taken out to pay them and nothing else.

 

What can I do about this?

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Concentrate on dealing with the CCJ aspect of this first.

That's the most important thing.

 

 

What I raised was a side issue and shouldn't be your immediate concern.

 

As asked above, have you checked if you have a CCJ?

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Hi

 

Nothing showing on my credit report - in fact my score has been improved. What I am really concerned with is the bailiffs or court people coming to my work address.

 

That really worries me.

 

Thanks

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they cant its a personal debt.

 

 

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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Share on other sites

Have you checked the CCJ register .....???

 

https://www.trustonline.org.uk/

 

If they have and you do not come to some payment arrangement they can enforce by way of a warrant either by a county court or the High Court if owed between £600 and £5,000.

 

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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This thread attracted me because it's about vets and I could do with some clarification. In the first post the OP states they never took out the loan

At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined.

and later we get

They applied for it on my behalf with a company called Shawbrook Consumer Lending.

 

Is it really a possibility that a creditor can apply for a loan on behalf of a debtor without their agreement? I find that a bit worrying.

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This thread attracted me because it's about vets and I could do with some clarification. In the first post the OP states they never took out the loan

 

and later we get

 

 

Is it really a possibility that a creditor can apply for a loan on behalf of a debtor without their agreement? I find that a bit worrying.

 

I very much doubt it...it requires a signature.

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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A tick box still requires that person to complete details ...a third party cannot make an application for finance in someone else name.Which is usually followed with a hard copy for the signature.

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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Which is usually followed with a hard copy for the signature

Ah, that's reassuring. You hear about these loan companies advertising that they'll have money to you in a matter of hours and although as you say personal details will be required on the form a vet is just the sort of business likely to have much more information on their clients than most.

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Ah, that's reassuring. You hear about these loan companies advertising that they'll have money to you in a matter of hours and although as you say personal details will be required on the form a vet is just the sort of business likely to have much more information on their clients than most.

 

Well thats a Pay Day Loan...different matter entirely but the application still has to be made by the individual who requires it.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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dear mr vets

you illegally took out a loan in my name

to pay your bills

then went to court over such.

and attained a ccj

and resorted to bailiffs

 

 

if you do not cancel the ccj in 7 days I will sue you.

 

 

I did not give you permission

neither do you have a licence to

be a credit broker.

 

 

 

 

 

can you please forward me the agreement with my signature

or proof that I authorised you on my behalf to

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

dear mr vets

you illegally took out a loan in my name

to pay your bills

then went to court over such.

and attained a ccj

and resorted to bailiffs

Get that, get that it shouldn't happen. Don't get why the vets want paid twice. Surely the loan was to settle their bill if they took it out as the OP says.

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Hi

 

The Vet's financial controller suggested the loan - I wasn't keen saying that I didn't want to get myself into debt when my horse was insured (he was but because of the vet disclosing how they thought he acquired the injury they wouldn't pay out). She then sent me an email saying she had completed most of the work her end and I just had to choose my repayment terms and sent me the link.

 

Can the legal team/bailiffs continue to harass me at work?

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if they don't have your home address yes.

 

 

have you got a copy of the CCJ yet

or even know its number

you need to sort that out first.

 

 

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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Share on other sites

Hi

 

The Vet's financial controller suggested the loan - I wasn't keen saying that I didn't want to get myself into debt when my horse was insured (he was but because of the vet disclosing how they thought he acquired the injury they wouldn't pay out). She then sent me an email saying she had completed most of the work her end and I just had to choose my repayment terms and sent me the link.

 

Can the legal team/bailiffs continue to harass me at work?

 

 

Earlier you said you declined ?

 

" At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined. "

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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