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    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A 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 April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Cabot/restons Claim form - old vanquis card debt


dave466
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Mostly statements I bet

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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It has a witness statement attached and asks

1. To lift the stay and

2. To strike out the defence pursuant to cpr3.4(2) of the civilprocefure rules on the basis that it discloses no reasonable grounds for defending the claim and/or is an abuse of the court process, or

3. In the alternative to (2) above, an order for summary judgement against the defendant under part 24.2 of the civil procedures rules. The defendant has no real prospect of successfully defending the claim and there is no other compelling reason why the case should be disposed of at trial: and

4. That the defendant do pay the claimants costs on a contractual (indemnity) basis, pursuant to for 44.5

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exhibits please...

 

8.i. no you havent..

 

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

Okay I've had a look at the files you have uploaded.

You have about 17  files which you have uploaded. This is a relatively modest number and most of them are PDF files. That would be fine except that I've now had a look at some of them and I see that they are PDFs of photographs.

In other words what you have been doing is that you have been photographing documents and then combining those image documents into PDFs. This means that they are extremely large. For instance, I've discovered a document which you uploaded in 2018 which is made up of a 22 page PDF but which is almost 11 MB in size. That is huge. The reason that the PDF document is so huge is because instead of having scanned your documents, you are photographing them.

I'm very sorry but we simply don't have the capacity to carry this kind of data for people. We probably never made it clear but we expected that when people upload their files in PDF format, they would scan their documents so that the documents would be extremely legible and also take up a minimal amount of space.

You've been uploading photographs in PDF format. They are not especially legible and of course they take up a huge amount of space.

I don't know if you have a scanner but for £49 or so you can buy an excellent scanner from PC World which will last you ages. You can then scan documents very quickly into PDF format and upload files in multipage PDF format. This means that the people who look at the documents will be able to read them much more easily and also it won't cause such a heavy burden for us. We have limited server space. We are not able to afford bigger storage.

I'm afraid that in view of that I don't think I can do much to increase your file storage limit. I'm going to have to ask you to start managing your files by going through what you've uploaded and deleting stuff. I can imagine that some – maybe all of the files that were uploaded are no longer needed. The files are personal to you – in other words they probably aren't of a general value to the rest of the community so they may as well go.

After that, I would really ask you to review your practice in terms of uploading documents. Please get yourself a scanner. You can get a very good cannon scanner for about 49 quid – or even better one for about 60 quid from PC World. It will make life much easier for you and for the people on this forum who want to help you. It will reduce the load on our limited storage. And you will have the scanner available for all the other things that you might want to do for many years.

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We are trying to figure that out. In the meantime I can delete some for you if you tell me the date range the you are happy to have deleted.

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Okay. They're gone. However you still got about 30 MB worth of attachments in only nine files. This is because you are wrapping up your images in PDF.

Do I take it that you are trying to do the same thing again now?

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Have a look at PC World. You can get the scanner for about 49 quid. They're pretty lightweight and you can get it delivered to you.

Otherwise, there may be an app in android or in Apple which will allow you to scan documents using your camera. However you need to be finding a way of uploading them as documents – not simply images wrapped up in PDFs. This is causing a huge problem

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Want a secure email to send it all 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

cant deal with photos then made to PDF.

you cant shrink them.

go buy a scanner soon..

 

I want the docs not a link

but never mind

 

use the handcuff [link] in the icons above these msg boxes

and insert the links

 

 

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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The forms are at home and I am working away mate so wont be able to access them with a scanner until the weekend.

I have tried to send the actual files again via email.

Let me know if any better, if not I will try and get scanned and resent this weekend.

Just don't know what sort of timescale I have or if it's just a matter of next waiting to hear from the court?

Regards

Edited by dave466
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You will be expected to submit a statement in response to their application which you must file and serve not less than 7 days pre hearing (when you get the hearing date)

 

Have they requested a hearing on the n244 Dave ?

 

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

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