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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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Chetwood Financial - Ombudsman (Advice)


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Hi - Im looking for some advice - I have recently had a complaint rejected which went to the Ombudsman. I had 2 loans with Chetwood 1 for 11.5 taken out in 2019 and 1 for 12.9k taken out 2021 (These are with same company but one is Live Lend and 1 is Betterborrow) They have come back today with on offer on the Betterborrow loan only as below:

 

  • Remove the interest paid to date.
  • Refund the interest at 8%.
  • Stop the interest going forwards.
  •  

Would it be better for me to reject this offer and ask for both loans to be assessed as one as feel if i accept and ask ombudsman to rule on just the live lend that weakens my case as they cant take the whole situation into account? I asked the Ombudsman what they would normally advise company to do if loan is upheld and they advised:

 

  • To add up the total amount of money you received as a result of having been given all the loan. The repayments you made should be deducted from this amount.


a) If this results in you having paid more than you received, any over-payments should be refunded along with 8% simple interest (calculated from the date the over-payments were made until the date of settlement).
b) If any capital balance remains outstanding, then Chetwood should attempt to arrange an affordable and suitable payment plan with you.

  • To remove any negative information recorded on your credit file relating to the loan.


So to me it sounds like Betterborrow have offered pretty much that but im not sure if its a tactic they are doing so i accept and then it weakens the Livelend claim thus not having it all done together, on the other hand if i reject their offer and the ombusdman rules against then i would have nothing.

Any advice is appreciated on if accepting 1 impacts the other or should i just ask Ombusdman to assess the lot and they will likely rule the betterborrow on anyway on slightly better terms - The interest on both is around 10k each so its quite a big decision.

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so you made an irresponsible lending complaint to the original lender(s) about both loans??

 

we cant guess the back story...

 

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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Hi

 

Yes and it was rejected

 

however my question is more to do with the offer from Chetwood v what the Ombudsman would decide/rule as to what would be best which is what i have put in the post but

 

if you would like more information to help i'm happy to supply it but in short i want to know if the offer they have made is what i should take or reject and allow Ombudsman to rule but as i see it there isnt much difference.

 

They wont offer anything on the Livelend which the Ombudsman will rule on anyway so its a case do i reject and send both?

 

Thanks

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if they have or are going to offer that on both loans, then you are correct, the FOS wont get you anything better typically/

 

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

Hi - They are only offering it on the betterborrow one therefore do i accept the offer on betterborrow and the ombudsman will still decide the live lend as they wont offer anything on that one?

 

I just didnt know if there was any impact by accepting 1 and allowing the other for Ombudsman to rule or if i should get Ombudsman just to do both at same time?

 

They said if they do it then they would ask for

 

b) If any capital balance remains outstanding, then Chetwood should attempt to arrange an affordable and suitable payment plan with you.

  • To remove any negative information recorded on your credit file relating to the loan.

look forward to response 

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if you complained about both loans in the same complaint, they are conjoined and the whole complaint needs to be resolved not half.

 

if you individually complained, then each is a differing complaint and bar being the same lender as such, might not be ruled upon the same.

 

however i doubt it.

both will result the same.

 

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

Ok - They are with the same company Chetwood so i guess it makes sense to take their offer for betterborrow so thats locked in and allow the live lend to be decided by Ombudsman as i could run the risk of the Ombudsman ruling against both - I dont think that would happen as they wouldnt have offered on the one they have but was worried if i accepted the offer on Betterborrow it would impact my overall complaint but in reality they will rule on them separately regardless i take it as different transactions and circumstances for each one.

 

I guess the risk isnt worth taking for betterborrow as the offer is on table to refund the interest and ensure no more is applied so basically makes it an interest free loan i would say

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i really dont understand what you are worried about hence my questions

the FOS will not over rule a favourable decision which is inline with their guidelines anyway.

 

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

The concern i have is that the betterborrow is an offer and if i reject then the ombudsman may decide that it wasnt irresponsible etc which then means i get nothing back.

 

I have 2 loans with Chetwood (live lend and betterborrow) and they are only offering the wiping of interest and giving it back on 1 of them (betterborrow) however the Ombudsman has advised if they ruled in my favour they would also have to update my credit file and agree an affordable repayment plan which they havent offered in their offer.

 

So in summary the live lend will be ruled by the FOS anyway as they wont offer anything but its the case of do i just accept the betterborrow offer now and wait for the Livelend decision or reject it and allow the FOS to review both

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typically updating CRA files after a successful complaint means its wiped clean.

if there is already a defaulted date registered on or/each, then even if they don't remove them, it will still be removed on the defaulted dates 6th b'day regardless to paying or not or paid off or not. and nothing they put will further harm you. if they are already defaulted.

 

i hark back to what i've said, if you complained about both loans together in the same complaint,, then the whole complaint needs resolving 1st before you need to except a partial resolution and you simply inform parties of your that.

 

 

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

Yeah i complained about chetwood as a companyt even those the loans are with 2 of their different companies (ie betterborrow and livelend)

 

There are no defaults so thats fine.

 

The FOS have asked if i want to accept the offer for betterborrow and i can still continue with my live lend claim and they will assess that as the loans were taken out different dates 2019 live lend and 2021 betterborrow so do i just reject it and ask them to review both at the same time with the FOS

 

Sorry if im not getting my point across well but i just want to ensure whatever i do is the right thing as at the moment i have the betterborrow on the table as an interest free loan but still obvs have to pay capital back which i understand but if i reject their offer the FOS might rule against me and then means i have nothing or is it the fact they have made that offer the FOS will rule that one in the findings anyway so might as well get them to do both at same time?

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you will not get a better offer on the settled loan through the FOS as the OC has abided by their published recommendations already. 

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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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