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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
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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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Student Loan Has Matured/ Full Payment Due letter received from Erudio


Tawney Owl
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Hi, I am new to the forum. Thanks in advance for any advice given.

 

Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio

 

I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans.

 

About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship).

I had set up a standing order which remains in place to this day.

 

When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way

(just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that).

 

I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600).

Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan?

 

I believe that these payments continue to just beforwarded to Erudio

(as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time).

 

I’m wondering why there sending me letter so closely spaced,

are they trying scare tactics to get me to contact them?

 

I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period.

Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc.

 

Any advice is most appreciated.

 

Thanks

Edited by dx100uk
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sadly you've been paying

sort of wipes out any protection from anything you might have had

 

need a bit better history please..

 

when did you last defer?

were all three for the same qualification but say 3 stages or over 3 yrs?

if so then the 1998 one doesn't count as new style

and even so, those have NOT been sold on yet by the gov't.

 

so I would suspect that arrows are solely chasing/writing about the 2 old style loans?

 

clarify the history please.

 

i'd be getting an sar off to the SLC too please

are you currently PAYE employed 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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Thank you so much for the quick reply.

 

I am currently PAYE employed (however nothing has ever come out of my salary)

 

Yes they were all for the same course (first degree) graduated in 99

 

forgot to add, not sure when I last officially deferred as it was so long ago

Edited by dx100uk
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then ring slc [NOT THE FLEECERS] and ask

last deferral

and if they are all classed under the old scheme, or simply await the SAR which you should send anyway.

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

Thanks. Will get on to SLC.....

 

The letter from Erudio also states that 'as a consequence, your contractual rights have been terminated' referring to my rights under the slc. Should I ignore the '14 days before being passed to a collection agency' part of the letter? dont want to start down that route if it can be helped.

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they erudio are a DCA...its ARROW GLOBAL.

 

a dCA is NOT A BAILIFF

and has

ZERO LEGAL POWERS.

 

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

Just called SLC ,

adviser on the line said that he did not have details of my deferments and suggested that I contact Erudio as they would have the up to date information!

 

I asked him if he was saying that SLC did not have it or if he was just unable to access it.

Again he said he couldn't help and suggested I call Erudio..

 

.Looks like I will have to wait for the SARS request to be processed.

 

Thanks, missed this reply...

Edited by dx100uk
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well they must have them by 2 laws.

 

one the data protection act

two the prevention of fraud act.

 

you have been paying SLC and are still until very recently ..but anyway within 6yrs.

they MUST under both acts hold the data ..

 

tomorrow

go ring them back and ask them again

if they give you the same answer

demand to speak to a supervisor

 

quote the 2 acts

tell him if he doesn't provide the info

a serious complaint will be raised with the ICO regarding their lack of compliance

and financial compensation will be sought.

 

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

But you've been paying since 2010 which is a real shame as they would be sb'd now

 

I'd await the sar

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

Once that arrives, what specific info from it should I be looking for?

 

Should I even bother to continue paying this?...I think that the whole amount is not going towards the loan, I think maybe an administration cost is being deducted....

 

thanks

Edited by Tawney Owl
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Then check that out from the sar

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... 

Link to post
Share on other sites

I've received 3 separate 'notice of sums in arrears' letters (one for each loan) from Erudio today, with a table of payments received...looks like only £10 (from the standing order) is going towards the loans...I'm tempted to stop the payments...still awaiting response for SARS request....do these letters mean that they're giving up on the scare tactics for now (asking me to get in contact to 'come to a solution') ?

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automated letters that they must send as they are the owners of the debts

means nothing.

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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