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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • 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.
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with cash sum settlement into an IVA...


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Hi,

 

Looking for some advice regarding an IVA. Long story cut short, had substantial loan /credit card payments each month, girlfriend was working, quit work due to becoming pregnant (unplanned) and now we’re living on one wage. Cut down to a single car, cut out all un-necessary spending, living to a strict budget and been consulting with CCCs.Current debt (all in my name – occurred before meeting my partner) was under some control, however due to reduction in income, unable to meet monthly obligations.

 

Debt value is £32000 – one creditor whom was totally un-reasonable regarding reduced payment plan has issued CCJ. CCCs has now recommended IVA. I’m in the process of setting this up, however since this has started, which has taken nearly 6 weeks already my partners dad has basically flipped his lid over the whole matter, as its now come to his attention and has offered a lump sum of £6000.

 

He’s basically told me to offer this into a lump sum payment and see if many of the debts can be written off.What are my options with a £6000 cash sum towards £32000 worth of debt? I cannot afford to repay the debt so would creditors except a reduced cash settlement in an IVA?I’m waiting for CCCs to asses if this viable, however wondering if I’d be better of calling creditors and seeing if they’d except a cash settlement.…

 

Many thanks...

Edited by iv-tecman
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I'm really sorry for the poor formatting of the first post.Somehow when I attempt to put the whole post into structured paragraphs it doesn't work..

 

edit - wokring it out, you need to use HTML paragraph tags..!! Erm ok, anyhow hopefully easier to read now, many thanks.

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  • 1 month later...

Hi Iv-techmanGoing from the figures you have provided above, the dividend would roughly be 18p/£ (for every pound you owe, the creditor would get 18p back) however this is not taking into account the IP fee's on the IVA. After fee's of say for example £1850 for nominee fee and £1500 for Supervisor fee it is possible that the overall dividend could be below 10p/£ which is a low dividend in the eyes of the creditors. What would work in your favour is if you were to have no disposable income to offer to your creditors as they would then see it as that is all that they would be able to get from you. If you did have a disposable income then the IVA proposal could be modified by your creditors which could mean that whatever disposable income you have must be contributed into the IVA for 5 years (unless modified by creditors)so to increase the overall dividend avaliable to creditors.No licensed IP will do an IVA without a fee due to the work that is put into drafting your proposal and also looking after the IVA after the acceptance meeting. I would advise that you speak to a debt helpline such as Debt Free Direct or National Debt help line who will provide you with free advice and will normally help you decide which is the best course of action. **Please bare in mind that I am training in debt advice and there may be many other options that are available to you**

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Hi,

 

Looking for some advice regarding an IVA. Long story cut short, had substantial loan /credit card payments each month, girlfriend was working, quit work due to becoming pregnant (unplanned) and now we’re living on one wage. Cut down to a single car, cut out all un-necessary spending, living to a strict budget and been consulting with CCCs.Current debt (all in my name – occurred before meeting my partner) was under some control, however due to reduction in income, unable to meet monthly obligations.

 

Debt value is £32000 – one creditor whom was totally un-reasonable regarding reduced payment plan has issued CCJ. CCCs has now recommended IVA. I’m in the process of setting this up, however since this has started, which has taken nearly 6 weeks already my partners dad has basically flipped his lid over the whole matter, as its now come to his attention and has offered a lump sum of £6000.

 

He’s basically told me to offer this into a lump sum payment and see if many of the debts can be written off.What are my options with a £6000 cash sum towards £32000 worth of debt? I cannot afford to repay the debt so would creditors except a reduced cash settlement in an IVA?I’m waiting for CCCs to asses if this viable, however wondering if I’d be better of calling creditors and seeing if they’d except a cash settlement.…

 

Many thanks...

 

Hi

 

As another poster has put, have you been fully advised on all your options including bankruptcy?

 

On the full & final settlement issue, below is a useful fact sheet from National Debtline that may help

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

 

More info on your overall circumstances needed really to help further.

 

With all debt solutions you really need to fully understand anything you enter into or sign up to especially an IVA and even more so if you own your home in my opinion.

 

Might also be worth looking through the Nat Debtline & CAB links below

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

https://www.mymoneysteps.org/

 

Always best to be absolutely sure

 

Best wishes

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Have you considered bankruptcy? Or do you have too many assets? Might be a way to a clean start if not.

 

Hi,I have, wasn't too sure about surplus cash each month, as courts could decide to make my pay this for up to three years even after being discharged.Managed to now get lump sum funds up to £8500 - currently not paying creditors any payments apart from CCJ in hope they'll accept full and final offer - but still going ahead wth IVA its now in draft stages with CCCS.Wish I had £32000 - I'd just pay them all and never take another loan as long as I live - learnt my lesson in regards to credit. sadly my partner wants to buy a house, so she is keen for all debts to be gone quickly as possible and for me to start trying to repair my credit file...firstly though, I need to get my debts gone, and currently have £8500 to repay £32000. Written to all creditors offering them equal share of £8500 - so far all have refused offer.

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