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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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Fraud


iainm
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Hi,

 

I discovered last night that, in July 2004, my wife applied for a First Plus loan of £75K + £15K 'insurance', secured against our house for which we have a joint mortgage.

 

In this application, she forged my signature, and the signature of people who 'witnessed' it.

 

I spoke to my solicitor this morning, who said it was a very serious situation.

 

My thoughts at the moment are that I do not wish to be burdened with this debt for another 16 years or more (it was a 20-year loan), but I have a youngster to consider in any action that I take.

 

I am wondering if this could be deemed an act of negligence by First Plus and, if so, what legal footholds that would give me.

 

I'm also trawling the net looking for any previous actions against FP, but I've not had any success yet.

 

Any suggestions would be most welcome...

 

Thanks,

 

iainm

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It depends whether or not you mind landing your wife deep in the %&$£. If you tell FP about this the police will probably become involved and would quite likely press charges against her under the Theft Act (legal eagles on the site may wish to correct me if I'm wrong on that one).

 

"I spoke to my solicitor this morning, who said it was a very serious situation."

 

I hope you were not charged for that ludicrously obvious piece of information. Make sure you are getting legal advice from someone who is an expert in this field of criminal law. You cannot rely on advice from this site to deal with a situation like this.

"Why CCJ when you can CCA!"

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POET is right; this would be a Theft Act Offence (obtaining a pecuniary advantage by deception?). I don't think you will find it easy to allege that first plus were negligent here; more that they are the victims of a theft to the tune of £90k, something they will surely pursue with vigour.

 

Were the faked witness signatures those of real people or fictictious people? If they were those of real people then how easy it would be to prove a fraud will depend on where their loyalties lie.

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Hi,

 

Solicitor is a family friend, so no charge for today's meeting, and he's offered to look at the application form when I get hold of a copy. I don't know if his expertise is in the criminal law field, but if not I'm sure he'd recommend someone.

 

The signatures forged were mine, and my wife's parents'.

 

As for FP...I find it hard to believe that any company would loan such a large amount of money without doing a thorough background check...not that I'm condoning criminal behaviour.

 

My loyalties...the way I'm feeling right now, they can lock her up and throw away the key!! The more I think about it, the more I really don't like the idea of having this burden until I'm 50.

 

Thanks...I'll pursue professional advice. I've sent FP a letter requesting a copy of all information they hold about me/us under the data protection act.

 

Cheers,

 

iainm

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Iain - just be aware that, as it's her Parents signatures she forged, they might well back her up in court - they will not be happy about it and they may never forgive her... but they may well back her up anyway. Which means it'll be your word against the word of your Wife and her parents.

 

I think that the involvement of the Police is unavoidable if you want to pursue the line that you were not involved in this. Also, I think you should abandon any thoughts of implicating FP in the deception; through negligence or otherwise. They have followed procedures which they follow in millions of cases without any problem whatever - to suggest that those procedures are flawed because someone misused and abused them would fall flat on it's face.

 

Finally, you have to bite the bullet and get legal advice immediately from a paid and insured solicitor. It's unavoidable - and even if your friend IS qualified in this area, don't use him - it SCREAMS "conflict of interest" and the prosecution will use that to influence the jury if it comes to criminal court.

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Hi,

 

I discovered last night that, in July 2004, my wife applied for a First Plus loan of £75K + £15K 'insurance', secured against our house for which we have a joint mortgage.

 

In this application, she forged my signature, and the signature of people who 'witnessed' it.

 

I spoke to my solicitor this morning, who said it was a very serious situation.

 

My thoughts at the moment are that I do not wish to be burdened with this debt for another 16 years or more (it was a 20-year loan), but I have a youngster to consider in any action that I take.

 

I am wondering if this could be deemed an act of negligence by First Plus and, if so, what legal footholds that would give me.

 

I'm also trawling the net looking for any previous actions against FP, but I've not had any success yet.

 

Any suggestions would be most welcome...

 

Thanks,

 

iainm

 

I am no solicitor, but I doubt this would stand up as an act of negligence by FP. A secured loan was taken out on your home... why would FP want to investigate further when your house was offered as security for that loan ? Presumably, the money would have been paid into your wife's bank account and as a joint mortgagee, they would see no problem with that because your sig. was (allegedly) on the doc. as well as hers.

 

IMHO, although it's a horrible truth to face, this is your wife's doing.... and not FP. What you do from here depends on the strength of your marriage. Think long and hard.... because once you start, there will be no going back.

 

Good luck...

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Sorry, but time for getting the police I thinks!

 

Forget any emotional blackmail! This is serious fraud...

 

You've got to call the police! Your own title says it all, "Fraud".

 

***P1, She's forged his signature!***

 

Good luck, regards, Dave.

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As a first step you should (if you haven't already) confront your wife and see if there is any money left that might settle the issue without things getting nasty. Unless she was leading the lifestyle of a footballers wife behind your back for the last 3 years chances are the cash is hidden away somewhere.

"Why CCJ when you can CCA!"

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Ian, Just reading your posting and the same has happened to me. I have been advised to get the police involved also. My debt is slightly smaller £45k with natwest and £20k with HFC. I have cooperated with both lenders but need the docs relating to the loans before the police will act. So far all they have done is threaten to take me to court over the debt!

 

Its a bit gutting as I have lost everything job, marriage, home etc and the ex wife is lording it in a house she clearly must have made a significant deposit on before the mortgage.

 

I have two added complications which may or may not affect the situation. Firstly she had a mental breakdown before she started obtaining the money and secondly it looks like the money was paid into our joint account. I'm one of these old fashioned and obviously gullible chaps who was happy with the ex wife getting me a weekly allowance from the cashpoint and was unaware of the problems until it was too late

 

All the Best

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