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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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Halifax PLC-Repossesion-help needed


langhar
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Hi Tideturner,

 

The SAR has been sent to Halifax and they have sent me a confirmation letter but as yet have not supplied any documents requested. However, i also asked Halifax's solicitors for some information which they have supplied by letter today.

 

It is not my intention to dispute owing any money, but i do not agree with how much they are saying i owe and the circumstances with which they arrived at this amount.

 

It's funny you mention the MIG. The covering letter from Wragge says "the MIG was in place with Royal Sun Alliance for the sum of £5200.00. This amount was recovered under the MIG policy and now Halifax seek to recover this money, on behalf of Royal Sun Alliance, under a subrogated claim". I have no idea what this means so any advice on this would be great.

 

I would also like some advice on the following:-

1) What charges are they legally allowed to chase me for?? There are charges listed on the paperwork i.e, arrears admin charges,legal costs and a counselling fee which i can't remember anything about. Don't even recall being given any counselling by Halifax.

2) They have sent a copy of two valuations carried out by Halifax asset management which clearly states that they valued the house at £19,000 and suggested they market it at £22,450. So my question is why did they accept £13,500 at auction??(a house four doors down from mine was sold at auction in Oct 98 for £20,000 and was in similar condition to mine) Would this be an acceptable defence?

 

Lastly they have accepted a repayment of £50 per month but only if i admit liability for the entire debt. Not sure what to do.

regards Langhar

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Tell them you cannot pay the entire debt as legally it is now under dispute and until the correct information has been received from them - ie FULL breakdown of the cost of the sale, (which seems VERY high for that time) and FULL detailed breakdown of all legal services charged to the account at the minimum.

 

Also hang in there, I am having similar problems as I was repossessed in October and apparently my old property still hasn't been sold, our if it has, the charges are being clocked up on the first mortgage to the tune of £75 per month with £350 legal fees every three months..... goodness knows what the second charge lot are doing but I can't touch them via the Financial Services Authority as they are not regulated, but the first charge lot are and a complaint has been lodged.

 

Please also lodge a complaint with the FSA about this, they will tell you whether you have a claim just by calling them.

 

It is completely wrong that when somebody is in deep trouble the legal system supports hitting them below the belt with goodness knows what charges and legal claims which are easy to get thrown out in court. I've had two solicitors 'severely' told off by judges in court over their so called legal status.

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Langhar,

 

Stop here.

 

The MIG is an insurance policy taken out against your mortgage probably without your knowledge.

 

Mine was also taken out with RSA, and my house sold for a similar price, although when I got on the Land Registry website, 6 other similar properties were sold at the same time for more than twice the price very quickly.

 

Everything is now in dispute until you are satisfied that you have received the information you are entitled to under the DPA.

 

Was your mortgage taken out with the Halifax, or did they buy out the company you took it out with?

 

Write to Wragge ass, and ask them how they came about holding details of your personal information. Also put in there that you require a copy of their letter of instruction from the Halifax, and a copy of your original mortgage agreement.

 

You need to insist on receiving every scrap of information they hold, you'll be shocked.

 

If you do not receive this information, contact the ICO and make a complaint.

 

Tell Wragge to butt out until you can establish the legitimacy of their "claims".

 

Also see my thread http://www.consumeractiongroup.co.uk/forum/general-debt/34094-mortgage-creditagricole-birminghammidshires-halifa.html - this makes me so angry because I knew they were doing it to others, using the exact same method - assholes.

 

Tide

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Hi Tideturner,

 

My mortgage was originally taken out with Leeds building society. They where bought out by Halifax.

 

My biggest issue is the fact that their own in house valuers valued the house at £19,000 (2 valuations done by same people 3 days apart) but they let it go at auction for £13,500.

 

Wragge have said that if i accept full responsibility for the whole debt then Halifax will accept £50 per month but they want first payment by 30th May.

 

By the way I have posted my defence back to the court today. I am tempted to just let it go to court and see what happens.

 

I will be on the phone to Wragge tomorrow to get them to explain some of the charges that are on the account and also to find out as much as possible about the MIG.

Thank you very much for all the help you have given so far. I will keep you upto date.

Langhar

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  • 1 month later...

Just a quick up date.

 

Still not received anything back from Halifax in response to the SAR i sent them. I phoned Wragge on 11th May to request explanation of charges applied to my account and also to find out why house was sold for £13,500 when Halifax's own valuers valued it for £19,000. Wragge said they needed to contact Halifax for that info and they would get back to me asap. I still have not heard anything back from them on this.

Whilst on the phone to them i also asked if the info they had sent was in response to the SAR to Halifax and they said no. Halifax where under an obligation to reply to me directly with the info requested. As i have said Halifax have sent me NO info at all.

 

What are the time restrictions for Halifax to respond?

Is it worth me contacting Wragge for the info they where supposed to be getting for me?

Any advice on how to proceed?

By the way, i did get a questionaire from the court which had to be filed before 30th May. I sent it back to the court around the 20th May and have recently received a copy of the same questionaire sent to me by Wragge.

Thanks in advance Langhar

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Langhar,

 

Halifax have 40 days from the date of the S.A.R - (Subject Access Request) to provide your info. The 'does not form part of a relevant filing system' is utter bull.

 

I would phone them and tell them you intend to make a complaint to the Information Commissioners Office if they do not comply with your request within the 40 days.

 

Information Commissioners Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

 

01625 545700

 

Tide

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Hi Langhar and Tide Turner,

 

Good luck

 

Halifax can be really sneaky, I had a house repossessed by them in 1989. They started chasing me just before the 12 year deadline, we had just sold our home and were moving, so when we bought the house we live in now, my wife bought it in her name only and I just ignored the letters from Halifax and their solicitors. By the time they caught up with me it was past 12 years, so I wrote and told them to f*%$ off (politely of course).

 

A couple of months ago I did sar to experian, which included insurance CUE reports (whatever they are) it has 2 claims marked against my name at this address £793.77 (water damage) and £375.92 (accidental damage).

 

I did sar to Royal & sun alliance to find out about these ficticious claims and was told that they had no details as they were registered by Halifax GISL. both were registered on 06/07/2001 (just after I sent the letter telling them where to go)

This is done purely as retalliation

 

I found it quite shocking that such a high profile company could act like this, not quite sure who to complain to yet.

 

I hope you both win and have them owing you money

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