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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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Fred Bassett v MBNA


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Hi Fred

Cavalry to the rescue! Husband had identical letter today - have posted on Debt Collection Industry entitled "MBNA Default Notice/CCA" and have had brilliant advice - sorry will have to learn how to link but its taken me the best part of the day to learn to use Photobucket! Keep in touch - its neck and neck now:D

 

 

Cheers Empowered, I'll go and have a look.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi Fred, Tomterm has an excellent sticky on the General Debt Forum re the proper format of default notices plus its also set out very clearly on the sticky for Statutes, CCA 1974 link, (Consumer Credit, Default and Termination Notices) Regulations 1983.)

 

Sent my defence off on 29th, just waiting to see what happens now, ditto your story, no agreement.

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Hi Fred, Tomterm has an excellent sticky on the General Debt Forum re the proper format of default notices plus its also set out very clearly on the sticky for Statutes, CCA 1974 link, (Consumer Credit, Default and Termination Notices) Regulations 1983.)

 

Sent my defence off on 29th, just waiting to see what happens now, ditto your story, no agreement.

 

Thanks Miss Muppett, there's some interesting stuff on empowere's thread - looks like MBNA have boobed big time.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks for that Fred, very interesting and good news for you and empowered.

They have done similar with me or rather Optima Legal has. Its a classic - DN I have in my possession dated 14th Feb. Optima Legal POC (claim for full amount) states DN served 18th Feb, time given to deal with 29th Feb)DN supplied by them as result of CPR request 13th Feb with no creditor name and address!

Of course I have felt it my duty to point this out in my defence!

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Hello Fred!

 

Just to help others find empowered's Thread, here's the Link:

 

MBNA Default Notice/CCA

 

In turn, if anyone could point me to Tomterm's Sticky...

 

Tomterm has an excellent sticky on the General Debt Forum re the proper format of default notices

 

...I'd be very grateful!

 

Had a look, but can't seem to find it!

 

I've had similar Letters, seems the bankers have got back from their Summer Holidays on the Yacht/Golf Course and have issued a flurry of almost identical Letters and Default Notices to catch up!

 

Cheers,

BRW

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Miss Muppet, I have looked and still cant find it ?. All I can find are Basic Introduction to Consumer Credit litigation and Basic Introduction to Consumer Credt Agreements ?. Nothing for Defaults.

 

To do a link back. Go into the thread, right click on the link in the address bar at the very top of your screen. Copy and paste the link to wherever :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you alpha:)

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...
  • 2 weeks later...

Well MBNA have 'instructed' IQOR to collect the debt - not sold it. Lying b******s. Here's the IQOR threatogram - I expect I'll get a few 'phone calls starting with "eh oop" now will I? I'm already doing battle with IQOR over my BOS preference account and at the moment I'm camped on the 5 metre line looking for a pushover or penalty try. This one should bring me the Heineken Cup.

 

IQORThreatogram01.jpg

 

Regards.

 

Fred.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hello Fred!

 

I think their threat of Legal Action is just pants, as it sounds like they have, at best, an Equitable Assignment only.

 

Give'em hell Fred.

 

Cheers,

BRW

 

Well all they've got is a barely-readable application form and the current terms and conditions. They'll have a job with this one and frankly IQOR are nothing to worry about. I think they might be one of the "thirteen" - they are extremely cautious and very easy to get on the back foot.

 

In a perverse sort of way I'm quite looking forward to this one. Let battle commence Sir!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi Fred

This is where we part company! Our debt has now been passed to Debt Clear Recoveries - oh dear - MBNA have an unenforceable agreement and no T/Cs relating to date of application. I feel another letter winging its way just to remind them that they cannot collect on this debt:D

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Hi Fred

This is where we part company! Our debt has now been passed to Debt Clear Recoveries - oh dear - MBNA have an unenforceable agreement and no T/Cs relating to date of application. I feel another letter winging its way just to remind them that they cannot collect on this debt:D

 

Ah empowered, I feel sad now! I'll keep an eye on your thread. I've not had any dealings with Debt Clear Recoveries, but IQOR and me are old friends.

 

Good luck.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Dear Fred

 

Hope you keep this thread updated i have read from the start to this last page

 

I keep trying to get my friends and family to challenge bank/card charges and ask for CCA but alas they are scared of the all poerful banks

 

I have tried to explain that the law protects both sides and with the world bank melt down taking place a hell of a lot of folks are now kicking back at the banks

 

Keepup the good work

 

max

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Dear Fred

 

Hope you keep this thread updated i have read from the start to this last page

 

I keep trying to get my friends and family to challenge bank/card charges and ask for CCA but alas they are scared of the all poerful banks

 

I have tried to explain that the law protects both sides and with the world bank melt down taking place a hell of a lot of folks are now kicking back at the banks

 

Keepup the good work

 

max

 

Thanks Pol. I fired off a "I'm bemused" letter to IQOR last night. I send stuff to them by email now and it seems to work.

 

I will keep things up to date because I'm always grateful for the advice I get and I'm learning new stuff all the time.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Apex are not very impressive are they?

 

Twice now I've had 'phone messages starting off with a human being then electronically asking for Mr Bassett to ring .... That's it. Anyone getting these messages will not know who to ring or what number to ring on. Personally I'll give it a miss anyway. They must sit there all day wondering why nobody has responded.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Apex are not very impressive are they?

 

Twice now I've had 'phone messages starting off with a human being then electronically asking for Mr Bassett to ring .... That's it. Anyone getting these messages will not know who to ring or what number to ring on. Personally I'll give it a miss anyway. They must sit there all day wondering why nobody has responded.

 

Regards.

 

Fred

 

Due to the credit crunch, they havent been able to purchase the oil to keep the robot working properly:p

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Due to the credit crunch, they havent been able to purchase the oil to keep the robot working properly:p

 

It really is stupid isn't it? The 'phone orangutang could easily complete the sentence but they pass it on to this "thing" that asks you do ring but doesn't tell you who to ring or what the number is! Brilliant!.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Fred, I think you can make a complaint to the Information Commissioners office in respect of silent phone calls, which this appears to be in that no real message was left. Did you try the 1471 thing to see if there was a number registered ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I've been a complete donkey here - the Apex calls don't relate to MBNA at all, they are in respect of my Lloyds TSB account. What an eejit. Anyway, IQOR, my old mates, are now looking after my MBNA account. Here are their latest offerings. Left hand, right hand.

 

Regards.

 

Fred

 

Slide1-22.jpg

Slide2-21.jpg

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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ah the classic 'valid even if not read by you'

 

diskmandave would be proud!

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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ah the classic 'valid even if not read by you'

 

diskmandave would be proud!

 

I think they ought to word it "may be valid even though it may not be read by you".

 

Regards.

 

Fred

  • Haha 1

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi all,

 

I've been following some of these threads as I'm in a similar position to several people on here and thought it was about time that I got my backside into gear and did something about it.

 

I sent off my CCA and SAR on August 15th (received on Aug 18th), I got back a shedload of transcripts covering phone calls (after the statutory cut-off date) but no copies of correspondance [as I understand it the 1998 DPA covers ALL communication], I also got a copy of my original application form [illegible and not countersigned] plus a single, undated copy of terms and conditions (again after the statutory cut-off date).

 

I sent another letter stating that this did not cover my requests and received a reply stating:

 

"I am confident that we have provided you with all the necessary information which we are required to provide you with, in accordance with s.78 of the Consumer Credit Act 1974, and can confirm there are no further documents which we are required to provide you with, to confirm that you have entered into and owe money under the valid and enforceable credit card agreement."

 

As I don't believe that they HAVE provided me with the necessary documentation I then sent them another letter (I blantantly pinched Fred's from this thread [scales amended appropriately - I hope you don't mind Fred]) saying that they have not complied.

 

Could anybody please let me know if I'm correct here of if I'm making a complete MBNA of myself.

 

(Have currently got two letters telling me that they will default my account by the end of the month - both dated AFTER they got my last letter.)

 

Thanks.

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