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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
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • 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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        • Like

Backdoor Erudio CCJ - old Student Loans - Already SB'd - ***Claim Discontinued***


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that looks excellent to me

 

dx

  • Like 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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You must attach a copy of the letter which they state the debt is exempt from the limitation's act and mark the statement with its exhibit number.

 

You can in your concluding paragraph request costs in making this application...respectfully request.

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My last post seems to have disappeared Statement edited.pdf.

 

@Andyorch, I've added  the email (exhibit 3)  and noted this in paragraph 10. I was going to ask verbally, if successful, for the court to make an order for the other side to pay the application fees. Is this ok?

 

I think this is good to go now. Please could it have a last check before emailing tomorrow evening when I get home from work? (I presume this is ok as unable to email in the daytime) Do I cc Drydens in? Also, how do I sign?

 

Thanks

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You can request verbally also...but its normal to be in your statement and its evidenced that way that you requested  it. 

Just add it at point 15 

 

15. The defendant respectfully requests costs/fee in making this application.

 

 

 

.

 

 

.

  • Like 2

We could do with some help from you.

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Sign the courts copy...print is okay for the claimants.

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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Do two separate emails..>Court signed copy.

Drydens ..> printed copy.

 

  • Like 1

We could do with some help from you.

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god drydens choose some twaddle when it suits them...

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

Almost zero its for them to prove the debt is not s b'd not for you to prove it is

 

 

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

Update: I was successful on the set aside but with costs reserved for the trial judge. Really annoyed with that part as I was going to donate it to you lot. The judge said the timing was ok and the N244 was promptly made considering the waiting for information from Drydens. The fact that I had contacted SLC, even though I had no proof was counted as a defence. 

 

Statute-barred was not mentioned, just a bit about the limitation constraints and he agreed with the 2016 cause of action date, but also that it wouldn't have happened had actually received  the notifications from them and that I have never earned enough. Drydens went on a bit of a tangent and pointed out that I had not sent anything in to prove that I didn't earn enough. I didn't really understand what he was saying so apologies for that but it sounded a bit of a worry as the judge seemed to think that the late date of cause of action was ok.

 

He didn't seem to know much about the old student loans either and seemed annoyed that neither party had a proper copy of the original agreement. 

 

He has asked me to get legal advice and draft my defence within 28 days and send over, stating why the debt is not recoverable and due. He extended that to 6 weeks due to the surgery I'm having on Friday and said it has to be in by 27/010/21 at 4pm. Something about a small claims final hearing. He also said something about allocation questionnaires. Any idea what they are? Also, Is that date a court hearing date and should I be expecting something in the post?

 

What happens next? Should I be getting a solicitor? Do you know how I should draft a defence? Does this mean the debt is not statute barred or is this just the preliminary to get the set-aside before the real hearing? I feel really confused.

 

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The fact you were or were not within or outside the payment threshold is immaterial to it being sb'd.

 

Dryden just trying to exploit a judge that confessed to not knowing how the slc loans like any other loan..work.

 

sb is nothing to do with cca1974. Its from the statute of limitations act

 

 

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

no its the directions questionnaire.

 

dx

 

  • Like 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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Hi,

 

Sorry for being a pain but I'm not sure what I am supposed to be doing next. I presume it to draft a defence as the judge says. Please correct me if I'm wrong. Have you any good examples on here of a defence? I have looked at a few but they seem to be very much the same as my statement for the set-aside

 

Thanks.

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You have 6 weeks to draft a defence and file and serve so plenty of time.(27/010/21 at 4pm) If it replicates your statement to set a side so be it but you can add a few more details to pad it out. You will be expected to submit a further witness statement later in the process so hold back the finer details.

 

Complete the DQ I have posted above and file that anytime now. Once that has been submitted the court will send you a Notice of Allocation this will contain further directions and the hearing date and what you must do next to prepare for the hearing.

 

With regards to costs ...your request for costs in the application has been reserved...costs in the case have been reserved that's normal because only the successful party will be able to recover costs and that's not know until the hearing has concluded and judgment determined.

 

Andy

 

 

.

We could do with some help from you.

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  • 2 weeks later...

Hi,

 

I'm slowly recovering from the surgery here but I've had a major setback. I will try to complete the N180 next week.

 

I need your advice in the meantime as I received the attached the General Form of Judgement today in the post. No mention of statute barred, only about the change of address to defend. I'm really scared with all this and it is screwing with my mental health now. 

general form of judgment or order edited.pdf

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That's in your favour, it being sb'd will kill the claim cant see the fleecers being able to wriggle out of it nor bother too.

 

Certainly zero to be scared of!!  Your position is very strong.

 

Dx

 

 

 

 

 

  • Like 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... 

Link to post
Share on other sites

  • 2 weeks later...

Hi,

 

I have completed the N180. Please could you check? I wasn't sure what the 'In the' and 'Claim No' was - any pointers I would be grateful for.

 

I also received a letter in the post from Drydens asking me to drop the set-aside and make payments with an expenditure form attached as they think it will go in their favour. Please see attached.

 

 

n180 edited.pdf drydens letter October.pdf

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original ccj number 

your local county court  i think

 

as for drydens a begging letter!

 

it was already statute barred almost a guaranteed win for you coming

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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