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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.Β  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without havingΒ  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonaldsΒ  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 youΒ  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 Β£100." But no they kett quiet and are now pursuing you for probably a lot more than Β£100 now. They also know thstΒ  they cannot charge anything over the amount stated on the car park signs. Their claims for Β£160 or Β£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 PCNΒ  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.πŸ™‚ 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 Β  Which Court have you received the claim from ? County Court Business Centre, Northampton Β  Name of the Claimant ? LC Asset 2 S.A R.L Β  Date of issue – . 28/04/23 Β  Particulars of Claim Β  What is the claim for –  Β  (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.Β 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. Β  (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded. Β  (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. Β  (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 Β  What is the total value of the claim? 12k Β  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Β  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Β  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 Β  When did you enter into the original agreement before or after April 2007 ? After Β  Do you recall how you entered into the agreement...On line /In branch/By post ? Online Β  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly Β  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 Β  Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall... Β  Did you receive a Default Notice from the original creditor? Not that I recall... Β  Have you been receiving statutory notices headed β€œNotice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes Β  Why did you cease payments? Loss of employment main cause Β  What was the date of your last payment? Early 2021 Β  Was there a dispute with the original creditor that remains unresolved? No Β  Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Β  -----------------------------------
    • 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 Β£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. Β  Β 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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IDRWW Court Claim x2 Emirates NBD 2 x credit cards.


underp04
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at the bottom of one of the posts.

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6 minutes ago, underp04 said:

I have a summary of Judgment with these guys on Thursday πŸ˜” for 2 credit card Debts that I have zero clue about 😑

Β 

Welcome to the forum ....perhaps if you started your own topic and post about the court claim , who issued it, what defence you submitted, and what you have done so far would be helpful to this poster and others.

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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7 minutes ago, underp04 said:

It’s a pre court hearing, it’s been around 4 years since I left the UAE. Not quite sure how it’s got to court.Β 

Wow !!!! That’s impossible how ?

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Own topic created.....please continue to post here.

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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Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

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8 minutes ago, underp04 said:

I certainly wasn’t expecting it to go to court, but I have a phone hearing at 11am Thursday through Stockport county court.Β 

Sorry but you’ve been had done by !!!!

Β 

how the hell can a small claims court in Stockport deal with something like this. Laughable and ask them do they know the laws etc.Β 

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Nope, they claim they sent letters to an address. It wasn’t my address.Β 
I actually received a CCJ because I a mix up with the court because they were after me for 2 cards.

Luckily I managed to get that rescinded,Β 

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So you set it a side and then they (the claimant) applied for summary judgment without you even submitting a defence ?

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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Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

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I’m hoping that Thursday the judge sides with me on this one, as like you say do they know the laws.Β 

Exactly Andy.

Because I replied to the wrong case.Β 

I am pretty sure they can’t make me pay the money to these guys.Β 

It’s a hell of a lot of money and could ruin me and my pregnant partner.Β 

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Well without a full details of the claim and what you did and didnt do...its difficult to advise...the hearing on Thursday is for their applicationΒ  for summary judgment.....on one of two they issued.

Β 

The claimants name was ?

Β 

As IRDWW cant issue claims in their own name.

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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Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

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I have no idea if they acquired the debt from the banks.Β 
I left the UAE on good terms with my company, it was the government and I wouldn’t of been able to leave without there say so.......so no debts!Β 
the two cards amount to around 20k and they are saying their charges are Β£5k.Β 

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I am exactly the same since 2011 and told them where to go both CWD and IDR !

I don’t understand how you have gotten to that point.

I replied back to MR Coyle directly and his bandits that until they purchase the debt then I’ll wait

. I’m dealing direct with Emirates and RAK !Β 

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They have also asked that the case doesn’t go to a trial.

Interestingly they asked for an extension to witnesss statements......... because they have none!Β 

Β 

Maybe I should’ve dealt directly with the banks.Β 
I’m intrigued to know if they have actually purchased the debt.Β 

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4 minutes ago, underp04 said:

Maybe I should’ve dealt directly with the banks.Β 
I’m intrigued to know if they have actually purchased the debt.Β 

Β 

Well look at your court paperwork....it states the name of the claimant.

Β 

Claimant v (you) defendant.

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

Β 

Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

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So nothing to do with IRDWW ?Β 

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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Have we helped you ...?Β  Β  Β  Β  Β PleaseΒ Donate buttonΒ to the Consumer Action GroupΒ -Β The National Consumer Service

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5 hours ago, underp04 said:

It’s Emirates NBD vsΒ meΒ 

How ?? How can they in the UK ?Β 
here is my article and I went straight to central bank consumer Β department.Β 

Β 

https://www.thenationalnews.com/business/money/the-debt-panel-how-do-i-resolve-my-uae-debts-after-11-years-1.1074585

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