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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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Help with Cabot - Santander current account overdraft and credit card


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I received a letter from Cabot Financial claiming they own an old debt of mine from four years ago amounting to £7800.

This debt may be genuine as I went through a very bad time during my divorce mentally and lost my business and home.

I thought all my debts were settled at that time so I would like to challenge them as my credit file shows no debt.

 

I have sent a prove it letter and would like to know my next step, a CCA request or SAR request should they persist.

 

I have read that sometimes unsecured debt cant be enforced because the relevant paperwork is lost, is that correct?

 

I am about to retire and have no assets.

 

Thanks in advance

Edited by dx100uk
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what's the debt please [original creditor/type of credit]

 

its pretty pointless in sending the prove it letter in todays climate.

 

and yes if they don't hold the required [and enforceable] paperwork under the CCA they are dead in the water.

 

tell us a bit more of the history of this debt [take out date etc etc] and are you saying this doesn't show on your credit file?

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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Thanks for yout reply.

The debts are for Santander current account overdraft and credit card dating back to 2014. I had a period of homelessness and dropped of the radar for about 2 years but have now checked my credit score giving my last two adresses and there is nothing adverse.

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are all you old addresses showing as linked addresses on the credit file?

 

you say you opened these accounts in 2014?

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

moved to satans bank forum with addition to the title

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

so at an old address but they now have your correct one so no backdoor CCJ's.

 

it might be prudent to send satans bank an sar its free an will get you everything they how on your inc statements

as I suspect the OD will be heavily inflated by unlawful fees and interest.

 

as for the credit card debt … lets see where they go with this

let them write

then it might be CCA time.

 

so you recon last payment dates or use by you of these two accounts was 2014?

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

Yes last payments in 2014 and I did a search, no CCJ'S at my old addresses. So I would send the SAR request to Santander not Cabot that claim they own the debts? Sorry im so clueless I read somewhere I have to include a postal order for a £1 for each SAR is that correct?

Really appreciate the help and I will be hitting the donate button:wink:

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as post 7

 

it might be prudent to send satans bank an SAR its free an will get you everything they how on your inc statements

 

twill also get you the card stuff too..but you don't tell cabot you have it...:wink:

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

sure you can.

 

thanks the donation too...:yo::yo:

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...

Update:

 

Cabot have replied to my "prove it" letter saying they acknowledge my dispute but the reference number for the alleged credit card debt is quoted, nothing about the Bank overdraft.

 

They state they will be conducting a thorough investigation and contact me within 5 weeks although the time frame is 16 weeks.

 

I am about to send the SAR request to Santander but I have no details of the accounts as I have been homeless and all the paperwork lost.

 

Cabot's letters just state "we own your accounts with Santander" no account numbers or details of any kind only balances.

Thanks for your help.

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that's ok you don't actually need any numbers,

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:

Cabot have written to me again asking me to call them and stating "your account is no longer on hold", this refers to the Santander current account not the Credit card.

 

After checking I see they have now entered a default on my credit file dated 2010.

I have written to them stating all communication must be via Royal Mail and also reminding them I am disputing BOTH alleged debts,

I am requiring proof of debt purchase, account numbers and details of how the balances were calculated.

 

The SAR request has gone off to Santander should I send a SAR request to Cabot also or is it wise not to?

Thanks again!

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silly idea entering into stupid letter tennis.

don't ever write unless advised to do so

it only encourages the DCA to think they have some magical powers

they don't.

 

as for the default

nope only the OC can default a debt

and if the defaulted date in the summary of the debt is 2010 it should not even be showing on your credit file.

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

well get reading up..

 

default?

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

Been doing some checking into this.

Family member reminded me I had a current account separate to my main current account I thought this was closed and the balance cleared at the time of the divorce and house sale..seems not.

 

Reading my credit file a second time the account was opened in 2010 and the last payment was in 2015 yet there is nothing about missed payments just shows a balance outstanding.

 

Be interesting to see what the SAR from Santander shows up.

Would be ironic if some of the balance is PPI payments.

Edited by dx100uk
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well you cant have missed payments as such on an OD as theres not set schedule.

there might be a defaulted date but hats good as it means the account will go on the defaults 6th birthday.

 

probably unlawful charges for being O/L or something.

or ruddy fees for bogus insurance packages they sold for you budgie or mobile phone or taking a cat abroad in te EU.

 

packaged account fees.

 

dx

 

 

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

Today I received a letter from Cabot,

they have completely ignored my requests for information about the Current account

 

Regarding the Credit card they have this to say:

"Unfortunately we do not have the relevant information on file so we will be requesting a copy of your credit agreement and terms conditions from your original lender as well as a statement of account which can take some time"

 

Then the line:

The account may be on your credit file and this could affect your ability to get credit, apply for a mortgage or a phone contract. Even if we are unable to supply your paperwork, this account will remain on your credit file for six years from the date the default was registered"

 

Does this mean they are not expecting to find the paperwork for the Credit card and why are they ignoring requests for information about the overdraft?

 

So happy I found this site!:oops:

Edited by dx100uk
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Let it run

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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Some news re: Current account.

Cabot wrote to me saying at this time Santander don't have the requested documentation and the debt is unenforceable unless the documentation becomes available in the future, (but they would still like paying). I notice this letter appears to have come from a different department and now quotes the OL account number.

Sit tight and see what happens with the Credit card account now I guess?

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yep

shame the fleecers have lost 50% of their free xmas party booze party money out of you already :)

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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