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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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Hoist/Cohen claimform - old LLoyds Card debt


GY-UK
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Hi All,

 

My partner is being chased by Hoist/Robinson Way for a couple of old debts:

 

1. Lloyds credit card.

2. Lloyds student overdraft

 

RW claim proof of debt assignment was sent but nothing was received.

We haven't seen any documentation showing the original agreement.

We've asked for documentation showing when payments were made and when the last contact with Lloyds was, as I'm pretty sure these are statue-barred debts.

 

In regards to debt 1 above the card, the documentation showed that the last payment was November 2014.

Nothing was paid since and there was no contact.

RW are claiming, however, that the debt was marked as defaulted in 2017 by Lloyds therefore it's not statue-barred.

 

My understanding is that the limitation is based on "the earliest date the account could have defaulted, regardless of when the default notice was issued" but there seem to be differing opinions about this online. Apparently some creditors choose to delay defaulting a debt intentionally. 

My question is

- does Lloyds marking the account as defaulted in 2017, three years after the last payment was made, mean this debt is not statue-barred?

 

In regards to debt 2 the OD RW have given us no documentation whatsoever, i.e., last payment or contact. They're still waiting on Lloyds apparently, yet they've logged both debts against her credit file; we queried this with Experian who said they'll speak with RW but ultimately they wouldn't be able to remove this information without feedback from RW. Interestingly enough, after raising an objection with Experian, both debts disappeared from her Experian records a couple of months ago, only to reappear a few days later.

 

If someone can clarify what impact Lloyds marking account as defaulted in 2017 rather than 2014 (when the last payment was made), that would be appreciated - does this mean the debt is not statue-barred? If you need further info or if there's a template I should fill out please let me know. Cohen sent a letter of claim on behalf of Hoist/RW in regards to County Court but not heard from them since we've disputed the debts.

 

Many thanks.

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  • dx100uk changed the title to Robinson Way/Hoist/Cohen old LLoyds Card and OD debts

with regards the card, did you send hoist a CCA request?

as for the defaulted date, if a creditor took several months from last payment date to register it, there is most certainly objections to that that can be made should they raise a court claim and these have been successful for us.

 

as for the OD, again if months or even years have been allowed to elapse before it gets a calling in notice, then again there are objections we've seen and used to very good effect.

 

send lloyds an SAR and prepared.

 

the OC would have defaulted these not the DCA debt buyer on or before sale.

 

where was the Letter of claim and was that simply for the Card debt.

 

 

  • 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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Hi, thank you for the quick response.

 

38 minutes ago, dx100uk said:

with regards the card, did you send hoist a CCA request?

 

 

Yes we asked them for the original credit agreement but they only sent a statement of previous payments and charges, etc. Looking back at the communications, we actually asked for this information a year ago and they sprang into life a few months ago.

 

40 minutes ago, dx100uk said:

where was the Letter of claim and was that simply for the Card debt.

 

 

The letter of claim only referenced the OD not the credit card.

 

The last feedback we got from them was that they thought the credit card debt was not statute barred and would be sending information over regarding the OD.

 

Do I need to mention anything specific in the SRA to Lloyds?

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Sar Lloyds

just send it as is

 

let the od run, yours is not the next move.

 

as for the card send a cca request with the fee

 

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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I've asked for a postal address (via email as there was a older email exchange when asking for information originally) for communication in regards to these accounts but they've not replied. Can I send the CCA via email and send a hard copy to their registered address?

Edited by GY-UK
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gresham house i believe

don't use email.

 

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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  • 2 weeks later...

Hi @dx100uk, they've provided the CCA for the credit card debt - June 2013. Last payment was November 2014. Default logged 2017.

 

Not heard anything back in regards to the student overdraft. Complete radio silence on that one.

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scan it all up to one multipage PDF

read our upload guide carefully.

 

probably ye olde 620,000 labelled rubbish they always trot out from their filing cabinet 

  • 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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  • 2 weeks later...

they didn't Lloyds did upon or before sale, 

 

anything that they can use to ID its YOU here on CAG, inc AC / ref no's and QR or Barcodes or little numbers down the edges.

leave all figures dates etc etc .

  • 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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  • 4 weeks later...

Hi @dx100uk - should have the PDF up this evening. Apologies again, the missus is dealing with someone ill in the family. We've removed all codes, and references, PII, etc. but just realised there are also certain TXN REF codes which will need to go. Removing those now.

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File attached. A couple of things

  • Page one states they can't find CRA or other information from Lloyds in regards to the overdraft account (this was requested over a year ago)
  • The other pages are for the Lloyds credit card - for some reason they've stated my credit limit as £15,000 instead of £1,500 and based their calculations off of that which is worrying in terms of data integrity
  • The last payment for the credit card was 2014 but it wasn't defaulted until 2017 (had no access to the account)

Let me know if you need anything else, many thanks.

 

 

 

CAG-GYUK-30-03-2021.pdf

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those statements whatever they are mean nothing they are not from the original creditor but some accounting system Robbersway have.

did you ever SAR lloyds?

 

to me it looks like both are now well statute barred (more than 6yrs since your last use or payment)??

 

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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you have already sent a CCA request for the credit card to robbersway.

they have failed to reply to date ?

 

what LLoyds hold on anything as a result of the SAR you most certainly don't, at this stage,  reveal the contents to RB.

 

  • 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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Yes we asked for CCA for OD and CC - they came back after a year and provided one for the CC but for the OD they said they have no information from Lloyds.

 

I will get a SAR over to Lloyds. These sharks shouldn't be allowed to log against peoples' credit files when they admit to having no (accurate) information.

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You say they sent the card cca back but we've never seen it, but i suppose that's pretty immaterial as the the card debt is sb'd and youve sent hoist our sb letter on that one anyway.

 

as for the OD ..you just need the sar from Lloyds (which you were advised to send back in jan) to find the actual last payment date so we can address what's next to do

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 yes Hoist/RB say CC is not SB because of the default date (in first post). 

 

Didn't do SAR before due to family reasons missus had to deal with (still is). 

 

I'll upload something from their complaints department they sent us (we never actually made a complaint, no point) after we made out they were being stupid.

 

They've totally ignored the OD being SB conversation, yet still update rubbish on credit file, will get the SAR over as soon as. 

 

Really appreciate the help you're offering so many people being preyed upon by these chancers especially in the current climate. 

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  • 2 weeks later...
Quote

 County Court claim letter 

 

What's one of them ? ....a Pre Action Protocol letter ?

We could do with some help from you.

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N1 court claim from MCOL......topic moved to Financial legal Issues Forum.

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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