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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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On my agreement the accpetance fee is under the charge for credit, but i have been charged £117 interest on the acceptance fee is that correct..

 

http://i722.photobucket.com/albums/w...4/Page1of2.jpg

 

http://i722.photobucket.com/albums/w...4/Page2of2.jpg

 

HI Sammy

 

Sorry it is a bit small for me to read

 

If they have include the interest within the total charge for credit it would not be cause for a claim of improper execution of the agreement it is still however questionable practice and worth reporting to the fos.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi

Glad to give an opinion if you want me to but you will have to tell me where the agreementis is,i am a stranger around hear just followed my friend postpagg in

Peter

 

Would you mind having a look at mine Peter if you have time. Mine is plastered on page 83 (couldnt even manage to post it correctly) post no 1656. Many kind people have looked at it and done the maths but I am non the wiser what to do next. I have sent WF a SAR and a CCA this week.

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I've stoloen this off another thread but I think its right

 

As a general rule of thumb take the APR and divide by 2 this should give you roughly the base rate. You need to then multiply the base rate by the number of years you have borrowed the money over.

 

example

 

£5000 over 3 years @ 7.9% apr

 

7.9 divide by 2 = 3.95 x 3 = 11.85

 

£5000 x 11.85% = £592.50

 

So total repayable is £5592.50 divide by 36 monthy payments = £155.35

 

So I have:

£7464.00 over 4 years @30.7% Apr

30.7 / 2 = 15.35 x 4 = 61.4

£7464.00 x 61.4% = £4582.90

 

Total to pay back = £12046.90 / 48 payments = £250.98

Actual Amount on agreement is £12354.40 / 48 payments = £255.30.

 

My apr on the agreement states 30.7% and rate of interest per anum is 15%, they have worked my agreement out on the 15%......

 

So what now.........:shock:

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I've stoloen this off another thread but I think its right

 

As a general rule of thumb take the APR and divide by 2 this should give you roughly the base rate. You need to then multiply the base rate by the number of years you have borrowed the money over.

 

example

 

£5000 over 3 years @ 7.9% apr

 

7.9 divide by 2 = 3.95 x 3 = 11.85

 

£5000 x 11.85% = £592.50

 

So total repayable is £5592.50 divide by 36 monthy payments = £155.35

 

Andie, when you tried this formula did it come with the correct repayments? Mine are out by 65p per month.

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HI Sammy

 

Sorry it is a bit small for me to read

 

If they have include the interest within the total charge for credit it would not be cause for a claim of improper execution of the agreement it is still however questionable practice and worth reporting to the fos.

 

Peter

 

Just enlarged it...

 

http://i722.photobucket.com/albums/ww223/1sammyc1974/Page1of2.jpg

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ha ha ha - Just rang Welcome to see out of interest how much was outstanding on my account and after 2 years and 3 months of paying £190 per month I have just gone under the original amount I borrowed by £59!!!

 

So all the past 26 months have been is interest and crappy PPI that I can't ever claim on!!

 

How conned do I feel? -------> VERY!!

 

Though the man I spoke to did cheer me up a bit and reaffirm my belief about Welcome employees when I gave him my postcode and he said "Is that N for Sugar!!!!" LMAO

 

You're not alone. I borrowed £1500 in Nov 05 and after paying a total of £1999.53 back to them, my balance is - £1793.42.......go figure! :mad:

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quote=peterbard;2053851]Hi

Glad to give an opinion if you want me to but you will have to tell me where the agreementis is,i am a stranger around hear just followed my friend postpagg in

Peter

 

Hi peter if you get chance to look at this at your leisure it would be appreciated... im beging to go round and round in circles now lol

 

thanks.

 

link to aggreement. http://i638.photobucket.com/albums/uu110/dadofholly/img004-1.jpg

Edited by dadofholly
correcting link
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Hi

Sorry biddy it seems to check out

APR calculates to 27.588%

 

All charges seem to be in there correct places.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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So what happens if the apr and the interest per anum on agreement don't add up.......... Apr 30.7% Interest Per Anum 15%, So if the Interest Per Anum is 15% Shouldnt the APR be 30% or if the APR is 30.7% the shouldnt the interest per anum be 15.35%, doing the calculations they have used the 15% per anum so doesn't that make my APR out by .7%?????????????????????

 

I also wrote and complained about the interest on the acceptance fee and i was told that none had been charged, so if it is a corect practice why didn't they just write back to me and say that they are allowed to do this, but Mr Palmer asked for further evidence that i wish to rely on, which i have now sent.... But no reply

Edited by sammyc1974_Derby
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WF pictures by andie_303 - Photobucket

 

Hi Peter,

 

Could you check that - I have a rock solid case for PPI and am in court with them at the moment - thought I had them for unenforcable agreement but with what you wrote about interest on acceptance fee being ok I doubt it now. Can you double check for me either way please?

 

Also out of interest can I put the agreement into dispute whilst the PPI case goes through??

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So what happens if the apr and the interest per anum on agreement don't add up.......... Apr 30.7% Interest Per Anum 15%,

 

I also wrote and complained about the interest on the acceptance fee and i was told that none had been charged, so if it is a corect practice why didn't they just write back to me and say that they are allowed to do this, but Mr Palmer asked for further evidence that i wish to rely on, which i have now sent.... But no reply

 

The interst and the apr are not directly reliant on each other nor can you calculate one using a value from the other.

Flat rate or standard Interest is calculaed using

Total credit ,total repayment time, and total amount of interest.

 

APR uses: total ampunt of credit , periods of payment, amounts of individual payments and charges that make up the total charge for credit(interest and other charges and fees).

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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hi

i originallyh in a moment of madness took out a car loan with wcf in feb 07 at £367 for 4 years and charged me 10.5k for a car not worth half that

in dec 07 my account manager restructured the loan for me as i had been made redundant through illness but wasnt covered on the insurance

the new loan is at £161 over 7 years which has been paid until now when ive found myself redundant yet again and find the modified loan has no insurances and is infact according to the statements i have been sent a home improvement loan

the office states its ahp agreement and head office say its a improvement loan so im very confused

they are threatening to remove the car at the end of the month but surely if its a home improvement loan its not attached to the car

 

the office wont agree even to reduce payments for 3 months there seems to be no leeway at all with them

 

any help or advice much appreciated

 

CONFUSED:cry: forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifclose.gif What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

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Hi Biddy

just as an afterthought the agrement mentions medicare insurance this would have to be optional if the agreement was to be correctly executed and thus enforceable

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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hi

i originallyh in a moment of madness took out a car loan with wcf in feb 07 at £367 for 4 years and charged me 10.5k for a car not worth half that

in dec 07 my account manager restructured the loan for me as i had been made redundant through illness but wasnt covered on the insurance

the new loan is at £161 over 7 years which has been paid until now when ive found myself redundant yet again and find the modified loan has no insurances and is infact according to the statements i have been sent a home improvement loan

the office states its ahp agreement and head office say its a improvement loan so im very confused

they are threatening to remove the car at the end of the month but surely if its a home improvement loan its not attached to the car

 

the office wont agree even to reduce payments for 3 months there seems to be no leeway at all with them

 

any help or advice much appreciated

 

CONFUSED:cry: forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifclose.gif What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

 

HI

Do yu still have both agrements?

 

Sounds very dodgy

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I may sound a little confused here but is this a free for all post, just new to the site so not sure, i have BIG problems with WF as well, so i am finding all this intersting reading,,

Caroline aka Jacksi

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Hi Yes I Have Both Agreements Still

 

Any Suggestions Cab Said It Wasnt Their Area Of Expertise And To Talk To Wcf Office So Going Round In Circles

 

The thing that stands out is that your insurance did not cover you....did you try claiming or did they just tell you that in the office?

 

You have possibly paid a lot for a policy that was always useless!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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