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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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robbersway and welcome debt - now resolvecall - proposed reconnection visit


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Hi

In 2007 i had a secured loan with Welcome, i got into financial difficulty and stop paying,

 

(house was in negative equity and still is)

 

They chased but as i couldn't afford to repay and they couldn't force me to sell

they sort of frittered away for a few years whilst they were in financial trouble.

 

I have now discovered that the 2nd charge on my property has been lifted and on my credit file it says 'settled'

 

There is now a company called MKDP LLP who own the loan which i have found out only be looking at my credit file.

 

what do i do?

 

i think i do nothing!

 

the loan isn't secured anymore,

 

and they would have paid next to nothing for it?

 

Your thoughts please!

 

Hi, similar situation here!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414653-Welcome-secured-loan-sold-on

 

welcome sold debt to MKDP LLP ( google them) not heard anything from either,

 

My question to you is.

.is the debt a secured debt?

 

Six years is unsecured but 12 for secured( someone correct if I'm wrong)

 

I think welcome sold off debts when they got in trouble to people like MKDP ,

 

I'm keeping my ead down!

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sri you got missed

 

if welcome sold the loan

 

odds on theres something wrong with it

in one way or another.

 

welcome are the one company that you are guaranteed to find dodgy stuff in you agreement.

 

you might want to prepare for MKDP eventually pop up

 

an sar to welcome before your details hits the shedder might be worth while.

 

what also interests me is the charge vanishing

usually that does not happen, interesting.

 

in certain aspects your are lucky too

 

most of the running and active welcome debts

have we think been sold to IND

and they can be a rather crafty bunch.

 

I assume you are still resident at the address when you took the loan out.?

 

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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Hi

I don't live there I rent it out as I can't sell it due to negative equity and the welcome loan attached.

 

If I sar them will that not flag me up?

 

I would sar them with return address to that property.

 

Charge has definitely gone..

 

sri you got missed

 

if welcome sold the loan

 

odds on theres something wrong with it

in one way or another.

 

welcome are the one company that you are guaranteed to find dodgy stuff in you agreement.

 

you might want to prepare for MKDP eventually pop up

 

an sar to welcome before your details hits the shedder might be worth while.

 

what also interests me is the charge vanishing

usually that does not happen, interesting.

 

in certain aspects your are lucky too

 

most of the running and active welcome debts

have we think been sold to IND

and they can be a rather crafty bunch.

 

I assume you are still resident at the address when you took the loan out.?

 

dx

 

Question for Dx on this subject..

 

 

Is it 12yrs for secured debt before it's statute barred?

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you certainly need to ensure you get ALL the mail

to you from that address.

 

yes sar to there from welcome

 

by the agreement title yes

 

but unsure once the charge has been removed

 

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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  • 2 weeks later...
by the agreement title yes

 

but unsure once the charge has been removed

 

dx

Hmmm...could really do with knowing if it's statute barred now secured debt has been sold,

no contact at all since approx 2007.

 

 

Secured debt is 12 yrs before SB

 

 

does it continue after its sold or revert to 6 years when sold...

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its still a secured debt by its agreement title you signed..

 

end of nothing can change that.

 

but

I would suspect these muppet don't know

so send the SB letter

have you a thread better to post there

 

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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  • 1 month later...

Hi andy! Are you still on here??

 

I have read your posts from start to finish absolutely fascinating!

 

Also exactly the same position for me in every respect except my loan figure is higher!

 

My statement figure and agreement figure are different as are yours,

 

as I said everything you have mentioned is mirrored with me.

 

I have received letters from MKRR recently saying they want to help...!

 

I have looked on my credit report and Wel**** are no longer on there and the legal charge on my property has gone!!!

 

How are you getting on with MKRR?

 

What do you think I should do as there is no legal charge now?

 

Should I attack MKRR with the list of inaccuracies on the welcome agreement in the hope they will but it down as a bad egg and disappear?

 

I agent spoken with them or acknowledged them.

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Do MKRR own the debt now?

Please give us some more info on this debt, default date. last payment /acknowledgment date.

 

 

I would recommend checking with the Land Registry in regard to the charge.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brig and Andy,

The default notice was 05/10/2010 and from what i can see on the statement the last payment i made was on the 05/07/2010.

 

Welcome are not on the land registry for sure, MKRR aren't either.

 

Welcome disappeared off my credit file the same day that MKRR appeared!!

 

I haven't made any contact with them whatsoever since 2010's payment i'm pretty sure of that.

 

I don't live in the house i rent it out as i cant afford to sell due to negative equity

and my current home has a pre nup type thing attached in favour of my wife as she put in the lions share of the deposit.

 

Any advice on what to do now?

 

Andy? Brig?

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Hi, the credit file will have been updated by MKRR when they acquired the debt as they are obliged to do.

 

 

Have MKRR contacted you again?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yes, this week,

 

a letter asking for me to contact them again to arrange a payment plan.

 

. i haven't contacted them as i'm not sure what to say regarding the dodgy agreement as per Andy's ongoing situation!!

 

what should i do?

 

No-one has traced me to this address before so i think maybe they are firing as many bullets as poss in the hope that one hits the target

 

..should i continue not responding

 

or should i confront them with the details that bits are missing from the agreement thus making it unenforceable??

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Personally I would ignore the begging letter. If you do contact them do it only in writing and just say "the debit is disputed and no liability is acknowledged.

 

 

I would suggest keeping to your problem and forget what happened to "andy", Perhaps the site team could start a new thread for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Brig,

What else could they do if i choose to ignore them?

The only reason i compared to Andy is because my agreement has exactly the same details missing... i wouldn't know where to start in a new thread!!

Let's get some basic details please.

 

 

Do you have a copy of the agreement that you can scan and post up, after removing all "personal details" account Number etc.?

It may help people to advise more accurately.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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hi ya

 

follow this....

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

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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crikey

 

you paid +£18k for a £7k loan!

 

they saw you coming!!

 

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

default notice in invalid

doesn't give a specific date in the form DD/MM/yyyy

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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basically means they're stuffed

 

how old is this theres no date on the agreement

 

is this the org one

 

or one from a CCA request to MKRR

 

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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I would CCA MKRR if they persist.

 

I take it you have not paid anything since?

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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