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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 - old vanquis card debt***Settled F&FS***


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Claimant - Lowell Portfolio 1 Ltd

 

Date of issue – 23 January 2018

 

What is the claim for –

 

1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference XXXXXXXXXXXXXXXX ('the Agreement').

2) The Defendant failed to maintain the required payments and arrears began to accrue.

3) The Agreement was later assigned to the Claimant on 31/03/2014 and notice given to the Defendant.

4) Despite repeated requests for payment the sum of £742 remains due and outstanding.

And the Claimant claims

a) The said sum of £742

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 £0.163, but limited to one year, being £59

c) Costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? Unsure

 

What is the value of the claim? £931

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card

 

When did you enter into the original agreement before or after 2007? 2009

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure

 

Did you receive a Default Notice from the original creditor? Unsure

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure

 

Why did you cease payments? Unemployment

 

What was the date of your last payment? Unsure

 

Was there a dispute with the original creditor that remains unresolved? Unsure

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Unsure

 

----------

 

 

Hi

 

First of all, thank you to everyone who helps on here, you're amazing! :grouphug:

 

I've been issued a Claim Form from the County Court Business Centre regarding a 2009 Vanquis credit card debt which is now with Lowells.

 

I used MCOnline to register and Acknowledgement of Service 10 February 2018 and have a PDF showing this date (I think I just made it in time!) I ticked 'defend all of this claim' and 'I intend to contest jurisdiction' (advice from another thread before landing here).

 

That same thread said to send a CPR18 Request for further information, which I am doing now from their template as well as a separate CCA Request letter.

 

Looking for advice on whether this is the right course of action.

 

Thank you all so much.

 

:behindsofa:

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not very helpful to answer unsure to almost every question

and where did you get the info from that said send a CPR 18?

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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Hello again

 

Yes, sorry, I know it's not very helpful but I just don't have any paperwork and can't remember :/

 

So, I just called Vanquis, and they say they don't have/hold any details of my account at all.

I found one old Vanquis card (not the original) in an old wallet with a valid from 03/2012 date on it.

 

They tried searching for this number but couldn't find anything.

The upshot is that I can't find out when the last payment was made, unfortunately.

 

I got the ideas that I needed to use CPR18 from another forum

 

So, what should I do now? Send the CPR 31.14 Request followed up by a CCA Agreement Request?

 

Thanks all, really appreciate your help. :)

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So, what should I do now? Send the CPR 31.14 Request followed up by a CCA Agreement Request?

 

Yes CPR 31.14 to the Sols and CCA section 78 to the Claimant.

 

 

Andy

We could do with some help from you.

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Given the time frames and your defence due date I doubt you will get any.....

 

Better to start looking at similar threads and start a draft...

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-Legal-Successes

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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now go back and ring vanquish against

 

ask for the last payment date

if they wont tell you

 

tell them that under

the prevention of fraud act

and

the data protection act

they MUST hold your data for atleast 6yrs

 

ask to speak to a supervisor/manager

 

if they still wont give you the info

tell them you'll be on the phone to the information commissioners office and will be raising a formal complaint against them right now

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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last 2 posts removed

what does it say in red at the top of the templates?

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

:lol:

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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Update: got back on the phone to Vanquis and said what you suggested.

 

I was put through to someone else and told that the information,

although held on an electronic archive, was not available to give over the phone.

 

This is because, they say, it would be a data breach so I have to write and request the information.

 

With regard to the letters, I don't have a printer and can't find one locally (been everywhere I can think of) but I can do it tomorrow and send them recorded then.

 

I hope I've now attached the letters on a link. Sorry about before :oops:

 

Thank you both.

Forum copies Lowell:Vanquis.doc

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we don't need to see our own filled in templates

we know what they look like!!

please don't publish them in the open forum!!

 

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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Neighbour library

Could you not phone your bank and ask last payment to vanquis?

Or if you have online banking webportal look there too

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

I no longer have the account I had at the time or any information about it, so I'm stuffed. Apart from the CPR31.4 and CCA requests I'm sending tomorrow to Lowells should I be sending a letter asking for this info to the address Vanquis gave me?

 

Thx

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Go ring the bank and ask

 

I'm pretty sure we've had info over the phone from vanquis

I can't see why writing is needed

 

Can you not email them an attached and signed letter

With say a ctax bill copy to get the info

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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  • 2 weeks later...

Hello again! :typing:

 

I have been offline for several days but here is the latest.

 

I did as you suggested and again telephoned Vanquis to request the last payment date on the account (third time). Again I was told that there was no information about the account. I asked if I could email my request with proof of identity but was told this was not acceptable. After consultation with another department, I was told that the employee was not allowed to send emails outside his department. I was told to send my ‘access request’ by post and that:

 

 

  • My request must contain my signature
  • A fee in the form of a postal order for £10 must be enclosed
  • That it could take up to 40 days from receipt of request for them to respond
  • That I would not receive statements but rather a spreadsheet of all historic transactions

 

Also, I've not received any response to my CCA and CPR 31.14 request but did receive a letter entitled 'Notice of Pending County Court Judgment'.

 

So, I am today preparing my defence (due tomorrow) and have documented what I've done so far. Is there a template on here I can use to make this more professional?

 

Thanks everyone

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you need to go READ other threads

unless you've done it whilst not logged in

you don't appear to have read ONE other like thread.

 

its not a template

as each POC differs

however if you use our top red toolbar search CAG box

 

cliamform Lowell card

 

you'll see other peoples examples.

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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have a go and we'll guide you

post up what you think

we don't just hand them out as you must understand your defence else you'll look a fool infront of the judge

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

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