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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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Three - Lowell


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hi all.
bit of advice please.

I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal.

When I ported over, I received a letter from Three thanking me for being a customer blah blah blah..
It also said IF I owed anything a final bill will be sent.

No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand.
Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right.
He said I could log into my account and review my bill as I owed money and then hung up.


After the call I thought I'd best log into my account just in case. 
Couldnt log in. Account access denied.
Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended.

Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details.
I refused and he said details will be sent out to me to my email on account and my home address as it was important.


Once again nothing..


15th Dec I received an email from PastDue in my name RE Three.
Email stated they were contacting me about Three an I should receive a letter soon regards to this matter.
Says about visiting their website. 

22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this.
We will continue to contact you until this matter is resolved. Again asks me to login.

23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services" 
Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020

States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill..


Then the normal crap about its important to pay. If I'm experiencing difficulties etc.

Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero.
(Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov)

I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal.

Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?
 

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The 1st 2 calls were the normal scam calls.

get a truecall box

 

the PDC stuff you ignore

their letter States our client three

whom if you wanted too you deal with directly.

 

Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence

 

 

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 year later...

Morning all.

Following on from PDC claim back in Jan 2021 (https://www.consumeractiongroup.co.uk/topic/431180-pastdue-three-alleged-debt/)

I have received a letter from Three & Lowell stating that Three have now sold the debt of £201.43 to Lowell.

 

As per the original PDC post, I was told I'd I owed anything when I switched network I'd receive a final bill - however no final bill received and ALL credit report entries relating to Three are shown as closed and all show that the balance was £0 account and marked as settled.

 

Should I ignore, or respond to Lowell - I've been getting texts and emails every few days from them relating to this (not posted sooner as I have only just returned from hols)

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have you moved since you last used/paid this account and failed to inform 3?

 

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

Nope.

Same address as I have been at for the past 25+years.

 

Three have communicated to me in the past at this address with promotion material when account was close to renewal.

 

It was one envelope received with both letters from Lowell saying they bought the debt and one from three stating they sold the debt.

 

All credit reports still show Hutchinson 3G LTD as closed (settled) as of 17th November balance £0

 

 

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await if they are ever brave enough to send a letter of claim.

 

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 weeks later...

Might be worth doing screen shots of the Credit Agencies showing the account as settled and zero owing.

 

Not sure what good it would do but just in case, costs you nothing but a few bytes of disk space.

 

Also wonder if a SAR to 3 might be in order.  At least you will find out if they did generate a final bill that you never got and the date etc that they sold the debt on.

 

Also useful for determining what the STAT BAR date will be.

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Already have credit reports (TransUnion, Equifax, Experian and screens from TotallyMoney, CreditKarma, Clear score & CreditClub), showing the entry as £0 on 20/11/2020.

 

However I've viewed all today and recently Three has been removed from all of them.

 

I'm not entering into any communication with anyone, not even 3.

I have proof account closed with zero balance in November 2020 by way of the credit reports.

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On 27/06/2022 at 14:23, dx100uk said:

await if they are ever brave enough to send a letter of claim.

 

dx

 

When a debt is sold the OC will zero the balance and mark as settled for their entry. If/if not the debt buyer puts it up under their name, as they can, is another matter.

 

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 closed the account with Three November 2020.

The entry for Three on all credit reports had a last update of 30/11/2020 and the settled/satisfied as 17/11/2020 with the balance of zero.

 

If I owed something to Three then they would have contacted me/chased me.

I had nothing from them.

The PDC letter was the first I heard that they claimed I owed something but then they hadn't sold the alleged debt to PDC & credit reports were still £0 balance with a last update of 30/11/2020

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  • 1 month later...

I've received multiple letters over the past 4wks all along the lines of contact us.

Today I've received one that now says "we're considering further recovery action.

If we don't hear from you, we will consider taking further recovery action to recover what you owe "

 

Is it a case of ignore this one aswell?

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On 27/06/2022 at 14:23, dx100uk said:

await if they are ever brave enough to send a letter of claim.

 

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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