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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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DCA at my door - lots of debts i panicked over and went online to setup payment plans - was i silly?


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Hello,

Yesterday I got a wakeup call and I need help regarding the debts I have with the above 3 agencies.

Yesterday a bailiff paid me a visit, he was acting on behalf of Cabot for 2 debts I have with them 

£220 (HSBC account opened on 06/04/17 defaulted on 30/11/18) 

£115 ( first direct, unsure of account open and default date) 

I wasn't home so he left a card, I got it, immediately opened the app and set up repayment plans. 

This then forced me to set up repayment plans for the others 

Lowell passed over 4 of my debts to their solicitors - Overdales 

Total £4046.25 

£2089 (118 money start 25/03/17, defaulted on 25/04/18) 

£474 (Capital 1 start 05/06/17 defaulted 13/05/18)

£1006.78 (Capital 1 start 26/07/16 defaulted 13/05/2018) 

£476.47 (Vodafone start 14/04/18 default 01/12/19)

Then I have two seperate accounts with lowell 

£228.74 (Vodafone start 27/02/19 defaulted 01/06/21) 

£678.08 (JD Williams unsure of open date and default date) 

I have set up to pay overdales £100 pm, lowell £40 split across the two & Cabot £40 across the two. 

I have tried to read different topics regarding the 6 year drop off, lowell not being to enforce certain debts without proof, mobile companies having certain rules regarding debts they pass on but if I'm being honest I can't seem to piece it all together.

I do not plan on getting a mortgage or car or any big loans anytime soon which is why I opted on smaller repayment amounts. 

Is it worth me contacting the 3 and asking for discount on the debts? 

Any help would be appreciated

I've no idea what I am doing and

I have buried my head in the sand up until this point. 

Thank you 

 

 

 

 

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Have they got a ccj then?

Won't be a bailiff if they haven't 

Just a powerless door stepper from resolve call?

Cancel those payments!!

A DCA is not a BAILIFF!!

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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  • dx100uk changed the title to Lowell, Cabot & Overdales Solicitors- debt help (home visit)

they can try but these appear to be overdrafts on old current accounts?

ask yourself why the bank sold them on to the DCA's for about 10p=£1....and didnt take you to court and crush you?? weird the eh?

stop panicking about a silly doorstepping DCA.

no DCA's are BAILIFFS

and have 

ZERO legal powers on ANY DEBT - no matter what its type.

until or unless you receive any letters of claim

pers id get those payment plans cancelled.

if you set up a DD 

go cancel then NOW on your banks online portal.

if you used a debit card-

go ring your bank and tell them you got scammed and to cancel the continuous payment arrangements too xyz companies

i've moved your thread to the debt self help forum.

100's of like threads here to read.

next time DONT PANICK and do silly things...comeback here and tell us FIRST

And read the letters properly!! Not one of them say WILL anything...just ifs, buts, mights, instructed...every other word but will 

Sorry you fell for the oldest DCA trick of them all .. thinking they are BAILIFFS :pound:

  • Like 2

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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  • dx100uk changed the title to DCA at my door - lots of debts i panicked over and went online to setup payment plans - was i silly?

I have learnt my lesson! Next time I will come here before panicking and setting up payment plans! 

All have been cancelled and I am now saving myself £180 a month 

 

Just one last question then I will let you continue to help people who actually need it. 

 

What do I do about this letter ? Do I ignore until I receive something official from the courts ? 

overdales notice acting for lowells on +£4k of debts.pdf

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nothing.

 

i could instruct my dog to sit.

if it does is a totally different matter.

 

more pointless DCA twaddle that people simply never read properly.

 

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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  • 2 months later...

Morning, 

 

06/12 i received a second letter 

"Letter of claim - 30 days to prevent legal action" 

Due to my postie not visiting on a regular basis I only received the letter today. 

 

Do I continue to ignore it ? 3 of the debts they are chasing are due to drop of my credit file in 2024

I have been reading previous threads on overdales and have seen that they do follow up with the ccjs 

Am I best getting 1 step ahead and asking them for the proof of debt - original credit agreements or wait out the 30 days and see what happens? 

 

I have a balance of £4046.25 so I can imagine they will pursue with this  

 

Thanks ,

 

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What is the debt type?

 

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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Capital 1 - £474

Capital 1 - £1006

Vodafone - £476

118 money loan - £2089 

The 118 money appears on my credit file twice being owned by both lowell and Madison CF 

I have previously contacted both asking who owns the debt and they passed me back to the other (surprisingly) 

 

Thanks 

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which debt have you got the letter of claim for...:frusty:

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

thank you.

 

click letter of claim and follow post 2 there.

you dont need to send a sep CCA request for the telecom debt as that is not covered by the Consumer Credit Act, the rest ARE, so they need a CCA request for EACH ONE.

 

for the additional reason from you thread,...there is not one, use the default already there.

 

you need to complete the LOC/CCA stuff so it arrives close to your 30days limit from their letter of claim.

dont worry if its a day or 2 late

 

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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so what happened?

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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