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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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Getting a ccj/default removed after 4years


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Hi all advice my other half had a student account between 99-02 on the account was an overdraft facility of 1250, when the account was not used for about three months out of the blue she got a letter demanding full payment whatever occurred her losing her temper the bank being overzealous it resulted in her being defaulted and then ending up with a ccj all this correspondence was at her student digs address...

 

For the last 18 months she has being paying a dca a nominal fee of £7 per month,Now recently she obtained a copy of her credit report and it shows that a judgment was entered for just over £2000 dating back to dec 02.

 

Now the purpose is to try and clear her credit file asap although i fully understand that the cra have an obligation to report accurate data, however this should work both ways as she was clearly defaulted and ccj issued against her for an amount that did not relate to any outstanding balance.

 

After browsing through the archives and templates we are looking at it seems that we need to fill in a n244 to request for the ccj to be set aside and provide the judge with as much info as possible as the original judgment was not defended. The court also mentions that a district judge will then look on the evidence and assess if the ccj gets removed.

 

In the mean time we are awaiting a S.A.R - (Subject Access Request) to come back from the court and the bank involved and also awaiting copies of any default notices that may have been issued.

 

(i know that the default and ccj expire after six years)

 

Question 1 Will the judge even look at the application as the ccj was issued so long ago?

 

Question 2 What info is the district judge looking for to nullify the ccj?

 

Question 3 Will the courts have to disclose all the info that the bank supplied when requesting the ccj be issued under trhe S.A.R - (Subject Access Request)?

 

Any advice welcome before we make matters worse ....

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1) yes... but the longer you leave it the less chance you have. There must be a genuine reason why the claim was not contested at the time eg you didn't receive claim form etc. The longer the time span the more dubious the Judge becomes and the more likely he/she will feel the set aside application is merely being done to improve credit rating.

 

2)The defendant must have a very good chance of success in defending the case. eg if the Judge does set aside judgement it will not finish there but the case will be reheard. You must bear in mind that a judgement that have been set aside could then be re-entered if you lose the subsequent case with the new judgement lasting 6 years from entry.

 

3) Sorry I don't understand the 3rd question.

 

However bear in mind when deciding whether to apply to set aside the above 2 points.

 

rightly or wrongly most Judges would come to the conclusion that by paying the DCA for the last 18mths you a) knew about the debt (so cannot plead ignorance) and b)agreed that you owe it as you were paying them back.

 

Your best chance would have been that you dispute the debt (or part of it) because of unlawful charges...which I think you are inferring to.

 

However the fact that any charges are unlawful is disputed (OFT Case) so I don't many judges will make a ruling on this in a CCJ hearing until this is resolved.

 

Sorry if all this sounds a bit harsh ....but it is what the D Judge will say or refer to

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Thanks for the response much appreciated i didn't think that paying a dca was an admission of any guilt as they generally send a demand out for xyz and usually bully people into paying, is there still not an onus on the bank to produce any original documents ie cca agreement as after contacting the court they stated that the bank only sign a true certification and don't actually show any proof before getting a ccj enforced....

 

Don't worry about being harsh as i am here for advice.....

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