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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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help with cabot, b/card and cca


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Hiya

 

I have sent a cca request off to cabot who are dealing with an old barclaycard debt of about £1000.

 

I had which looks like a standard letter back saying that they will contact barclaycard on my behalf to get this copy.

 

So i sent b/card a cca request and have never heard anything back.

 

Both of these companys have now had there 12+2 and 30 days and ive not heard anything from them.

 

I dont know whether i should just leave it now and see if they contact me or if i have to report it or what to do really.

 

The other thing is barclays and kings hill (cabot) have both put entries on my credit report for the same debt is this correct?

 

Any help would be appreciated

 

karen

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Nope, there should only be ONE entry per default in your credit report. Write to the CRA's and tell them that the Barclaycard default should NOT be there. They will contact BC, who SHOULD authorise the removal. If they don't, you will have cause to report BC to all and sundry.

 

What I would do now is, SAR BC AND Cabot. Neither of them have any option; they MUST comply with your SAR within 40 days.

 

DO that and wait to see what that chucks up before planning your next move.

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Thanks seahorse. I have already sent a sars. With barclaycard i got lots of old statements and with cabot i got statements and a letter stating that the debt has been taken over by cabot.

 

i have contacted cra and let them know so hopefully will hear back from them soon.

 

thanks

 

karen

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Oh, yes. Cabot CLAIM that they send you a letter from Barclaycard (the "Goodbye" letter), along with their supposed Notice of Assignment (The "hello" letter). But it has long been suspectd that CABOT produce both letters. Now, I'm not entirely sure of the legality of this, but at the very least, I'd call it misrepresentation. Others might call it fraud. I have questioned Cabot about this, but at no time have they said, "Oh, yes. We do make the letter up, but Barclaycard said it's OK."

 

So as far as I'm concerned, I've been approached by a company, who are telling me they have bought a debt from Barclaycard, and to prove their claim, they send two letters. Both of which they produce themselves. And folks are supposed to believe that? And that's definitely misrepresentation, as far as I'm concerned. It basically means that, at no time have I been informed by the Original Creditor that they have sold my account. So I have another nail for their coffin should it get as far as court.

 

Not everything needs to be acted on or questioned immediately. Sometimes it's just nice to know you have something in reserve.

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Im still confused. So Cabot have full ownership now of the account? So really its them thats failed to produce the cca not barclaycard?

As there time is up now to produce it do i need to do anything or just wait for there next move?

 

thanks

 

karen

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Yup. As Nailpost says, you SHOULD see a Deed of assignment in your bundle. But won't. There will very likely be NO indication that a lawful assignment has taken place. But STILL Cabot would like you to believe that they own the account, and are entitled to YOUR money. Just because they say so.

 

I'm afraid you will have to get used to doing a lot of complaining. But it DOES get addictive and fun. :D

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if there is no deed of assignment, what implications does that have?

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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Thanks for that. So the fact that neither barclaycard or cabot have produced a cca and there time limit is up means i have to complain to whom?

 

Or do i just leave it and wait to see what they do?

 

thanks

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Well, Barclaycard should know better. The CCA DOES apply to them. Cabot are fixated on their mantra of "The CCA dosn't apply to them", so may be allowed the same sympathy you might give a person with an abnormaly low IQ.

 

But. You ARE entitled to complain to all and sundry. I would start with the Information Commissioners Office, Trading standards and OFT. Information Commissioners Office and OFT have websites, so complain from there. Trading standards will be in your local council's web site. (PM me if you need a hand with letters, as it will be helpful to point out the various sections of things that they have breached. But The Information Commissioners Office site at least lets you make a first complaint online, so you don't need to worry until they ask you to follow it up.)

 

You CAN complain to the Financial Ombudsman, who will slap a £400 fine on as soon as they investigate. But they will require you to have exhausted each company's complaints procedures first.

 

So the first thing you should do is a very quick letter to each. Doesn't need to be fancy. Something along the lines of..

 

"I refer you to my latest communication of (whatever the dates were), in which I requested documents as are my right under the Consumer Credit Act 1974. As I have had no response to my request, I have no other option but to invoke your complaints procedure. Please provide me with a copy of your Company's Complaints Resolution procedure, by return.

 

I do not need to remind you that I have recourse to escalate my complaint to the Financial Ombudsman, but I am giving you this opportunity to address my conerns before doing so.

 

I also intend to contact the folowing to advise them that I am unhappy with your conduct so far; Trading Standards, the Information Commissioner and the Office of Fair Trading."

 

Hopefully that will buck them up a little.

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IAMIT, the fact that there is no DoA means that they cannot prove any assignment ever took place. Should it get to court, one of the things that should be asked for is a DoA. Not only will they need to produce it to prove their ownership, but it will show what was used as the vehicle to assign the account, whether the rights AND duties were assigned, whether the assignment was equitable or absolute. And perhaps any number of other juicy tidbits might appear.

 

This is something their solicitors would probably hold back on, right up to the very last possible moment. But if court action is imminent, it IS something which should be insisted on, even if you have to keep asking over and over again.

 

To recap... No DoA means no proof of Assignment, as the OC have not notified you of the Assignment; it's merely Cabot's word for it so far.

 

Equally, no Agreement means no proof of a debt in the first place, and even if one DID exist, it is unenforcable. So by continuing to try to collect on an unenforcable debt, they will be digging themselves into an ever deepening hole, with the possibility that YOU may be entitled to take THEM to court.

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Hope this is useful:

 

In my case I SAR'd Barclaycard and there was no Notice of Assignment or any similar letter in their reply. I wrote back and asked specifically if such a letter existed in B'Card's records. It does not. So who produced it? ;)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I think we all know the answer to that Dave, don't we? ;)

 

I have just sent Barclaycard another S.A.R - (Subject Access Request) demanding all sorts of juicy documents. Just in case they think that all I'm after are my statements. I have also tried to get Cabot to admit that they produce the letter, but so far I've had neither a denial OR an admission. So if BC come back and tell me that they HAVEN'T sent me a "goodbye" letter, I shall be making some rather serious accusations. Perhaps everyone should ask BC where the "goodbye" letter is when they get their SAR bundle?

 

Depending on the answers to the above, I will need to make enquiries as to whether or not this constitutes fraud, if it is true. I'm damned sure I'd be locked up for demanding money with no proof to back up that I was owed it. So why should Big Business be any different?

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with the possibility that YOU may be entitled to take THEM to court.

 

 

what offence would you levy against them?

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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  • 1 month later...

Well still havent heard back from b/card or cabot. Gone very quiet. Dont know if i should be worried or whether they are searching high and low for this credit agreement.

 

Im a little concernced as i have now stopped the £5 per week payments to cabot. The stories ive read about them on here are scary.

 

I just hope i dont get woken up one morning with balliffs at the door.

 

will keep you posted ( if the balliffs dont take the pc)

 

karen

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I just hope i dont get woken up one morning with balliffs at the door.

 

will keep you posted ( if the balliffs dont take the pc)

 

karen

 

Stop worrying - this is not going to happen.

Just hate every DCA out there

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Bailiffs need a court order to turn up. As previously stated it's not going to happen.

 

I sent Cabot a CCA request at the beginning of April, not a peep out of them since except to say that my account was being put on hold and a half *rsed attempt at a statement of account from them about a month later.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I do not wish to hijack this post, but it would appear that Cabot are not the only DCA printing the notice of assignment, as Thames Credit also sent me a notice allegedly from Marks & Spencer, with a smudged logo, no personal details on the letter, addressed to Dear Customer and unsigned and Thames Credit tell me don't need a CCA as they didn't purchase the agreement.

Sorry Karen, I do have my own thread for this, but i'm intrigued by the legality of this and just how common is this deceptive practice?

I will follow your thread and wish you luck, i'm still waiting to actually hear back from Cabot!

Don't know if i'm coming or going!

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Thanks for the advice everyone so basically just sit tight and wait to hear.

Its just really strange that i was getting bombarded with letters from them and not anything for a while now.

 

will keep you posted

 

karen

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  • 2 weeks later...

Well under FOS rules they've got 8 weeks. Cabot did send you a copy of the FOS leaflet, didn't they? ;)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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