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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 Cap1 Card CCJ - Warrant of control help!


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I received a notice of issue of warrant of control letter on 21st July.

 

I states that I have until 26th July to pay the amount on the letter or bailiffs will be coming to my house to seize and sell goods.

 

Of course I am panicking about this as I don't want bailiffs coming to my home.

 

I am currently on ESA benefits and cannot afford to pay what they are asking.

And they have only given me 5 days to do so!

 

I have been speaking with the creditor Lowell and I arranged to set up a monthly payment plan.

However the amount they set was too high as like I said I am on benefits, so they asked me to fill out an expenditure form to show how much I could afford.

 

I emailed this to them and heard nothing back.

And forgot about it to be honest.

 

The next thing is I receive this letter!

Please help!

Any advice is appreciated.

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Hi welcome to CAG, could you give us a history of the debt please; was it prior to 2007 have you moved house since incurring the debt, and who was the Original Creditor? When did Lowell issue a claimform and did you defend?

 

Answering these questions will help the team frame the best advice for the circumstances.

 

There is no right of forced entry for a CCJ, so you don't have to let a bailiff in, if there is no car outside then there is little they can do.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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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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I assume this was a forthwith judgment and no option to pay monthly ?

 

You shouldn't have rang Lowell to try to agree a payment plan...but submit a form N245 to the court to vary the forthwith to monthly affordable payments....you can also stay the execution (Bailiff) using the same form.

 

Fee is £50 but you should be exempt from fees.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406098-LEGAL-N245-Application-for-suspension-vary-an-order-**Correct-as-at-Feb-2017**

 

https://formfinder.hmctsformfinder.justice.gov.uk/n244-eng.pdf

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406096-LEGAL-EX160-160A-Court-Fees-are-you-exempt.-**Correct-as-at-April-2016**

 

Regards

 

Andy

We could do with some help from you.

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Hi welcome to CAG, could you give us a history of the debt please; was it prior to 2007 have you moved house since incurring the debt, and who was the Original Creditor? When did Lowell issue a claimform and did you defend?

 

Answering these questions will help the team frame the best advice for the circumstances.

 

There is no right of forced entry for a CCJ, so you don't have to let a bailiff in, if there is no car outside then there is little they can do.

 

The debt was a credit card from capital one back in 2008.

haven't moved house in that time.

think I have a claim form which was sent to me in 2015.

didn't respond.

 

 

when I received the ccj I was ordered to pay £50 a month and as I cannot afford that I asked for a lower amount to be set.

I completed an expenditure form and then the next communication was this letter.

 

 

If I don't answer the door to the bailiffs are they going to keep coming back?

I also don't have a car but neighbours park their cars outside my house on my street.

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read posts 3 and its links

then do as post 4

its a court bailiff so in a way they are your friend.

simply ring and tell them you are doing as post 4.

 

 

who send you that I&E the court?

and you returned it to the court?

or was it lowells that sent it and you returned it there.

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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when I received the ccj I was ordered to pay £50 a month and as I cannot afford that I asked for a lower amount to be set. Who did you ask the court or Lowell ?

 

I completed an expenditure form and then the next communication was this letter. Whos expenditure form ...Lowells?

 

If the court set it at £50 a month you should have contacted the court and requested a redetermination

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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The income and expenditure form was with Lowell themselves.

 

Okay well now you will have to submit an n244 and ask for a redetermination.....you can also submit the n245 and stay the warrant.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406095-LEGAL-N244-Application-Notice-**Correct-as-at-Sept-2015**

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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totally useless then toward the judgement.

 

they spoofed you to get a default judgement...

 

who told you to fill those out and not defend the case?

 

 

follow andy's guidance.

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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when I received the ccj I was ordered to pay £50 a month and as I cannot afford that I asked for a lower amount to be set. Who did you ask the court or Lowell ?

I completed an expenditure form and then the next communication was this letter. Whos expenditure form ...Lowells?

 

If the court set it at £50 a month you should have contacted the court and requested a redetermination

Well after I completed the income And expenditure form from Lowell

they sent another letter titled confirmation of arrangement to pay your ccj to me saying a new amount of £40 had been set and my first payment was due 05/07/2017

 

 

however this was still too high and I contacted Lowell again and they asked for more details on my finances.

Then I heard nothing else until this letter

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Did the court judgment set the £50 per month.....if you could answer this one question..as it will affect what advise we offer.

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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you should have replied to the court with your offer not lowells.

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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you got spoofed

 

you should always contact the court directly

 

the judge is in charge here not some powerless DCA.

they are not bailiffs....

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 I'd have paid the £40 as agreed by Lowell would the bailiffs still be coming?

So do I still go ahead submitting the form? The forms aren't going to get there before Wednesday before the bailiff says they are coming.

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Beckz,

 

When Judgments are obtained, payment is either a forthwith order meaning that the total amount is due within a set number of days or alternatively, repayment is ordered by way of monthly payments. In your case, you were fortunate in that the court ordered monthly repayments. You contacted Lowell who agreed to accept a lower sum but even that figure of #40 per month was too much.

 

I would suggest that this morning you contact Lowell and explain the difficulty that you have in paying and ask whether they will agree to accept a lower sum. If they agree, then that is fine and the court will be notified accordingly. If they are not willing to accept the lower figure, it is for you to apply to the court on the N245 to have the judgment varied. Andy has provided details of the procedure above. Given that you are receiving ESA, I would assume that you would be exempt from paying the court fee.

 

You must call Lowell this morning. Please post back once you have done so.

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It says dated 19th July 2017

 

Thank you Beckz,

 

In that case, the letter is correct. The courts provided that the once the warrant has been issued and passed to the Bailiff Manager, the Notice of Issue of Warrant must be sent and the date for payment is 7 days (not clear days) from issue date.

 

Please contact Lowell or submit the N245 application asap because; HMCourt rules specifically provide that the County Court bailiff MUST visit within 15 working days of receiving the warrant ( which should be 25 days from the issue date of the warrant).

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Yes - You should mention this to them. It will not stop the bailiff visiting but it may well impact on his approach to recovering the debt. it may also help in persuading Lowell to accept your offer of repayment at a lower rate.

 

You obviously have not had many dealings with Lowell they would sell you grandmother for a £100 judgment to recoup payment.......submit an n244 and ask for a redetermination of the judgment amount £50...whether you wish to submit the n245 also to stay the Warrant is your choice for good measure.

 

This way the Court controls the monthly payment...not the DCA

 

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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