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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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Arrow Global chasing old moneybarn CCJ


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so in november it will vanish automatically anyway.

nothing to do with MB

 

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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a DCA is NOT A BAILIFF

and have

ZERO legal powers on ANY debt

 

default thus account removal on its 6th birthday has nowt to do with your legal rights and a CCA request.

 

The Information Commisioners Office says:
.
All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
{the WHOLE ACCOUNT WILL VANISH, never to return}.
.
{however, this does not mean the debt itself is not still owed
consider a CCA request.}
.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
NOTE: {the bracketed text is not Information Commisioners Office guideline but my advise]
 

 

 

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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Having just checked my credit file it shows a CCJ for this debt that was issued to the courts by Moneybarn.

The CCJ is 6 years old in 2020

however the default registered is showing and becomes SB next month.

Will the default come off first followed by the CCJ next year? 
 

Does this also make the CCA that I sent pointless as the debt has been registered as a CCJ? 
 

what are my next steps now should they turn up at my address, it seems I may be backed into a corner and have to start a payment plan. However, am I right in saying once the debt is SB then it can no longer be enforced? 

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own thread created for this MB CCJ.

 

yes makes CCa pointless

 

not sure where you keep getting the idea 'they' can just rock up at your door.

 

the ONLY people that can legally do that and demand money are COURT BAILIFFS, assigned by the court and sent by the court...NOT MB.

however as this is a civil consumer credit  debt there is NO right of forced entry.

to all intend and purpose you can ignore them

 

bit that's not the point of your post.

 

the CCJ and the default/account will vanish on their relevant 6th birthday's.

 

shame you sent that CCA might just kick their pramwheels and they might ask the court to get bailiffs involved but I doubt it.

 

so how did you get a CCJ, let them repo the car and this was for the balance?

 

 

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 exactly that.

 

I was told by the guy collecting the vehicle that it would be sold in auction and there wouldn’t be any more payments.

The car was a Ford Focus and they sold it and are still trying to get £6911 from me.

The car isn’t worth £6911.00!

 

as mentioned in previous posts

I am applying for a mortgage hopefully in the new year so the debt going SB next month is good as it will be removed.

The CCJ will still show until mid/late next year.

Mortgage adviser said the mortgage provider may look past it as it’s over 3 years old.

Fingers crossed. 
 

I take it a satisfied CCJ instead of a non-satisfied CCJ makes no difference to a lenders decision 

 

thanks again

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correct 

exactly the same rule as for any defaults

 

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 go statute barred if its a CCJ...simply drops off your files after 6 years.

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

 

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I dont dispute that but above you stated....."  Hopefully the default that goes SB will be removed 

 

CCJs cannot go statute barred.

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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Hi all,

 

I feel I am chasing my tail with this and the 2 mortgage advisers are telling me completely different things.

 

The first one that specialises in adverse credit applications has stated we are in a position to get a mortgage even with my 2 CCJ's. He has stated that affordability is not an issue and we have a deposit that is also suffice.

 

The other mortgage adviser has stated that we would stand no chance of getting a mortgage unless we settled the CCJ's. I am happy to settle them if needed. 

 

Would I be able to approach Moneybarn and state that I wish to offer a settlement but for less than 50% of the debt?

They recently sent a letter stating they will cut the debt by 50% if I pay soon.

 

As mentioned previously the default goes SB in 11 days, the CCJ relating to the default does not come off my credit file for another 40 weeks.

 

Is there a letter template for a settlement offer available on the site? 

 

Does anyone know which adviser is most likely right?

 

Our other option is to use some of our deposit to clear and settle the CCJ's and get a help to buy as a 5% deposit is all that is needed. 

 

It is difficult to know what to do when we are being told so many different things. 

 

Thanks again for any support

 

regards

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exactly as I said at the start

most advisors are only interested in getting their bigger share of your money by saying CCJ's must be cleared.

 

pers i'd look at dealing with MB directly

9/10 MB makes errors

many can wipe out their CCJ's or ROG's 

or atleast put you in a stronger position to get a lower F&F

but you need the data.

 

id be sending MB an sar.

whilst you are at it

one to the other CCJ claimant to!

 

 

 

 

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

A nearly 6 year old CCJ won't make squat all difference to your ability to get a mortgage

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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explained all this already....

 

makes no odds its the fact a ccj shows.

but as said again numerous times

its almost 6yrs old..

you are being had by that advisor.

 

 

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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  • 3 weeks later...

Pleased to say that the default has gone from my credit report due to being SB.

My Experian credit score is now 978 out of 999 and excellent.

Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1. 
 

my question is this....

clearly the debt is still owed for the SB debt,

the CCJ is still live until June next year.

 

Can I make an offer of 10% to settle the debt now that it’s SB?

If so is there a letter template that I can send to them to make such an offer?

 

thanks in advance 

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again you appear not to be understanding things.....

 

a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed. 

 

your debt is NOT statute barred it has a CCJ .

should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.

 

they both operate under the same ICO rule, quoted as in post 4..

 

All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 

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

  • 2 weeks later...

Hi guys

 

as advised I have requested Data Subject Access Request (SAR) and received a big envelope full of paperwork today from Moneybarn. 
 

I know that it has been mentioned that Moneybarn make mistakes and that I should check if they have.

 

Now that I have all of the info, what is it that I am looking for that could be missing? 
 

thanks in advance 

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don't think anything will be missing..

 

but you need to check things like the correct service of a default notice before you gave that powerless guy that rocked up the car. etc etc 

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

  • 3 months later...

Hi all,

 

I had a debt with Moneybarn for just under £7000. This went SB two months ago.

I sent them the usual CCA letter and they provided it.

They have now sold the debt to Arrow Global.

 

I still dispute the debt as a vehicle I missed 2 payments (I was working overseas and the bank had blocked transactions) which were out of my control.

I called to pay on my return and they said it was too late.

 

A guy collected the car and said I would have nothing to PT as it would be sold at auction.

It was sold for £4500 and they are now clearly chasing for £7k worth of interest. 
 

Do I respond to Arrow Global?

If so is there a template I can use?

 

I just posted the below in another thread so moving it here 

 

Post

I had a debt with Moneybarn for just under £7000.

This went SB two months ago.

 

I sent them the usual CCA letter and they provided it.

They have now sold the debt to Arrow Global.

 

I still dispute the debt as a vehicle I missed 2 payments (I was working overseas and the bank had blocked transactions) which were out of my control.

 

I called to pay on my return and they said it was too late.

 

A guy collected the car and said I would have nothing to PT as it would be sold at auction.

It was sold for £4500 and they are now clearly chasing for £7k worth ofi nterest. 
 

Do I respond to Arrow Global?

 

If so is there a template I can use?

 

thanks in advance 

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Send a Arrow a further CCA request...section 79 for HP

 

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

If you want advice on your Topic please PM me a link to your thread

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  • dx100uk changed the title to Arrow Global chasing old moneybarn CCJ

threads merged and tidied

 

i wouldn't be sending arrows anything yet.

 

the CCJ is over 6yrs old and they were not the claimant so will have a very hard job in convincing a judge to enforce it.

 

have you moved since the CCJ was granted

I would expect as you attained a mortgage now you have?

 

dx

 

 

 

 

 

  • Thanks 1

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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