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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
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    • 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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SLC Cannot Supply The Original Agreement


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cos they as of yet they cannot find it,

 

i have given them 2 months in all to comply to the dpa,

 

after 2 phone calls,

the latest today,

they informed me they as of yet cannot supply me with an original signed agreement,

 

i there fore said that they could not prove their was a debt,

they agreed that would be the case,

 

i then told them i would write and give them 7 final days and then reliquish all responsibility ect to the loan if they did not produce a signed agreement,

 

can i do this, and how do i word it.
thanx

TOTALLY debt free as of 2007, Fantastic,

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Firstly, under the Consumer Credit Act, if you request a signed copy of the original agreement, they must provide it within 12 WORKING DAYS by Law. If they take longer than that plus 30 days to provide it, they have committed a criminal offence.

 

So - the debt is now unenforceable already. You are being extremely generous. If they have entered a "Default" on your credit file, you now have a good case for getting it removed as there IS NO DEBT.

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Would you have to pay to see a copy of it ? And also, where can I read about this 12 day rule ?

 

also, if they cannot provide the signed agreement then they would have to pay back all of the money you have already paid them yeah ?

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i requested a copy of a loan agreement today, clocks ticking on the 12 days

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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Would you have to pay to see a copy of it ? And also, where can I read about this 12 day rule ?

 

You can read about the rule in the Consumer Credit Act 1974. And the Statutory Maximum Fee for this kind of request is £1.

 

SurreyScouse you're PROMPTING ME!!! I gave SOME info at least!! :mad: LOL

 

And as regards paying it all back, you KNOW it's true.

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Would you have to pay to see a copy of it ? And also, where can I read about this 12 day rule ?

 

you need to send a £1 postal order.

 

 

12 day rule:

 

77 (1) and section 78 (1) of the Consumer Credit Act 1974

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Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

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thanx for reply.. i have drafted this letter, do you think this is worded ok, its straight and to the point and gives them no more time to supply the document

 

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

Dear Sir/Madam

REFERENCE NUMBER: xxxxxxxxxxxxxxxxxxx

 

I write to you regarding the telephone conversation with your department today, I have been informed by your department that the original signed agreement is missing.

I have give you time enough to supply the original signed agreement and you now have exceeded the 40 days you are allowed and by not supplying the document are committing a criminal act.

I therefore now relinquish any debts you claim I have with your company, I also request you with draw any defaults/adverse credit you have lodged against me

I give you seven days from the date of this letter to comply, otherwise I will be forced to take legal action

No other correspondence will be entered in to.

 

Yours faithfully,

TOTALLY debt free as of 2007, Fantastic,

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I'm confused - was it a subject access request under the DPA or a request for the credit agreement etc under the CCA?

 

If it was SAR, then what has been said in relation to offences doesn't fit - they have failed to comply with a SAR which means you can go to court to force them to comply.

 

If the request was made under the CCA then they have committed an offence after one calendar month, not 40 days. see this thread for more info. I would read up and work out which it is before you send the letter, because as it stands the info in it is inaccurate, I think.

 

hope this helps!

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... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

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i origionally sent a dpa request, they sent statements but no loan agreement, they say they cannot find it, so i am now wondering where i stand with relation to the loan, if they dont have a signed agreement, where does that leave me

TOTALLY debt free as of 2007, Fantastic,

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technically it leaves you with an unenforceable debt. I'm not sure, however, if you need to have made the CCA request to make this so - I know the end result is the same - ie they can't find the agreement, but not sure if there's some technicality that says you have to made [this] reques and not [that] one - you know how the law can be.

 

There are people on here though with more knowledge of this than me, and with a bit of luck, one of them will sashay over here shortly ;)

... a little

Mahala is a powerful thing ...

 

If you like my advice, please click the scales.

All advice is offered informally. If in any doubt, seek professional advice.

Barclays:claiming £908. Defence filed

Simply Be: settled in full

Abbey: Claim issued for DPA compliance order

GE Capital: Claim issued for DPA compliance order

Aktiv Kapital: Failed to comply with CCA disclosure. Debt unenforceable.

If this site has helped you, please make a donation to help keep it going.

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It is important that you follow the procedure set out in the Consumer Credit Act and make a statutory request under sections 77(1) and 78(1). A draft letter is shown elsewhere on the forum - and as stated, you need to send the £1 fee.

 

It is only when they have defaulted under this that the debt becomes unenforceable after 12 working days (you can legally suspend payments at this point until they provide the agreement) - and after one month they have committed an offence.

 

Should they then seek to enforce the debt they will have to explain to the court why they defaulted, and seek permission to continue - and you can also report them to Trading Standards and the FSA.

 

However, remember that all this only applies after sending the letter under the terms of the Consumer Credit Act 1974.

 

 

 

 

 

 

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they have just written back saying they still cannot find it,

they havent got one so

 

how do i go about dumping the debt,

i have sent a letter to them last friday stating that if its not received within the next 7 days i will start proceedings,

but what proceedings am i to persue,

i am lost from here,

what court forms do i need.

TOTALLY debt free as of 2007, Fantastic,

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Don't lose sight of what you want to achieve.

 

Unfortunately you have not given any detail in this thread as to what exactly you are challenging, and why you sent the requests in the first place.

 

If you believe the debt contained an element of unlawful charges, but they have been unable to provide information - and have now defaulted on the Consumer Credit Act request, then you have achieved your goal. The debt is unenforceable - and they have admitted that themselves. Job done!

 

If the issues are wider, then you need to give more information.

 

 

 

 

 

 

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So presumably then, if the debt is unenforceable, you cannot go after unfair charges otherwise you would be admitting that you do actually own the debt, regardless of whether they can find the paperwork or not? Or am I so completely wrong?!! :D

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Don't lose sight of what you want to achieve.

 

Unfortunately you have not given any detail in this thread as to what exactly you are challenging, and why you sent the requests in the first place.

 

If you believe the debt contained an element of unlawful charges, but they have been unable to provide information - and have now defaulted on the Consumer Credit Act request, then you have achieved your goal. The debt is unenforceable - and they have admitted that themselves. Job done!

 

If the issues are wider, then you need to give more information.

 

yes i was origionally after unfair charges to be refunded, the agreement was origionally reqested with the dpa request, but what i dont understand is how to get them to ackknowlege that the debt is now unenforceable with out some form of court order. what do i do if they contest the unenforcable debt

TOTALLY debt free as of 2007, Fantastic,

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So presumably then, if the debt is unenforceable, you cannot go after unfair charges otherwise you would be admitting that you do actually own the debt, regardless of whether they can find the paperwork or not? Or am I so completely wrong?!! :D

 

That would be a fair assessment.

 

 

 

 

 

 

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yes i was origionally after unfair charges to be refunded, the agreement was origionally reqested with the dpa request, but what i dont understand is how to get them to ackknowlege that the debt is now unenforceable with out some form of court order. what do i do if they contest the unenforcable debt

 

The problem lies in that fact that your initial contact was by telephone. What has actually been put in writing?

 

Have they actually written to you saying they cannot provide a copy of the agreement?

 

Have you got proof that you sent a request under the Consumer Credit Act? The letter you have shown above mentions 40-days, this looks more like a Data Protection Act request. If your request was not sent under the terms of the CCA then the terms of that Act do not apply, and the debt is still active.

 

Your posts are not giving a great deal of information or clarity. Without knowing exactly what you have requested, and some background information of the case, it is impossible to give a definitive answer.

 

 

 

 

 

 

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i sent this last week which i revised and didnt send the the other example

 

DPA OFFICER

CitiFinancial Europe PLC

6 Admiral Way

Doxford International business park

Sunderland

Sr3 3xw

 

16/06/2006

 

LETTER BEFORE ACTION

 

Dear Sir/Madam

 

REFERENCE NUMBER: xxxxxxxxxxxxxxxxxxx

 

We write to you regarding the telephone conversation with your department today, we have been informed by your department that the original signed agreement “which was requested as part of our original DPA request on 19/04/06 ” is missing!

We have given you time enough to supply the original signed agreement and you now have exceeded the 30 days you are allowed and by not supplying the document you are committing a criminal act under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974

You are reminded that you were obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

We give you seven days from the date of this letter to comply, otherwise we will be forced to take legal action

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. In the meantime please be aware that we consider this matter to be “in dispute”.

The time for compliance with our request has now expired. If you do not comply fully with my Subject Access Request within 7 days of this letter, We shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

No other correspondence will be entered in to.

 

 

Yours faithfully,

 

i tried to find a template for the s.t.a. request and could not find one so i adapted this out of various others and a bit of research and help from you, is this ok.

TOTALLY debt free as of 2007, Fantastic,

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The difficulty is that legally you have not made a request under the Consumer Credit Act sections 77(1) and 78(1) - you made a DPA request.

 

Whilst this may seem pedantic, I am looking at it from a legal point of view. Until you make a request in exactly the way the CCA sets out, with the £1 statutory fee, you cannot claim that the debt is unenforceable.

 

Hopefully, they will not spot this, but be prepared that they may argue the point, and you may need to tie this up later.

 

 

 

 

 

 

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is there a template for this, as i cannot find one, as i also want to try this with another company. i am also 100% sure citifinance have not got an agreement, so i can sent this thru the proper channels.

TOTALLY debt free as of 2007, Fantastic,

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i have looked at the letter on the general section and is quite similar to mine as you know,

 

would you recommend i send the other letter or leave it,

 

i am tempted to leave it as its nearly the same.

i will use that one for the other company

TOTALLY debt free as of 2007, Fantastic,

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The critical thing is that the letter states that; you are requesting a true copy of the agreement under the terms of the secs. 77(1) and 78(1) of the CCA 1974 - and you enclose the statutory fee.

 

By doing this, your request is then legally binding - and if they default, you can take advantage of the remedies available under the Act.

 

 

 

 

 

 

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