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    • 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
    • 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.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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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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Possible Redundancy -v- Relocation Dilemma


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Company I work for are due to relocate to a rural destination 40 miles away from current office (which you can only get to by driving as no public transport gets close enough).

 

I am 44 and have worked for firm for last 9 plus years and am therefore entitled to 10.5 weeks statutory redundancy money as a minimum (if I do not move). This entitled has been confirmed verbally by my employer but nothing been put in writing as yet.

 

There is 2 positions going at the new location but, once again, no offer of salary increase/compensation for extra travel time and costs which, in practice will work out to be 1.5 x 2 journeys and an 80+ mile round trip daily or 400 miles (£50 petrol) over the course of the week making a theoretical "salary reduction of £3K per annum for each of us after tax - not a particularly pleasing prospect.

 

Am I being unreasonable not to accept the offer of continued employment under these terms? Should I ask for extra dosh to cover travel costs instead and/or take the redundancy option as the alternative if no deal on salary can be struck with Employer - and what do I do about having none of this in writing and then employer changing mind at last moment.

 

Also, approximately 2 weeks ago a conversation took place between myself and employer fairly informally about the 9 weeks stat. notice period of redundancy I am entitled to but, surely, if no firm date has been set for the move my employer cannot rely on that conversation as the date "notice" was served on me for redundancy purposes, particularly when I had not given any indication one way or other (which is still the case as I write this) whether I would accept the move option, either on corrent terms or otherwise.

 

Would really appreciate some guidance as to how I can play this one out to my best advantage. The sad thing is if she paid out the redundancy and offered me a new "fixed term" contract of, say, a year to begin with I could probably then afford to do the travel although, in all honesty, may flatshare during the week as an alternative. Moving lock stock and barrel to the new location is out of the question too (I am married, own my own house, have mortgage etc. and do not wish to sell in the current market - hubby does not want to move).

 

As far as alternative employment elsewhere is concerned I am fairly confident that something will turn up for me with my 25 years' experience gained in various industries so being "out of work" is not my main concern right now - I just want to get what I am entitled to and not be "done over" by a boss who will not commit anything to paper re. redundancy (which, it could be argued I suppose, is not a true redundancy situation if she is offering alternative employment that I could take up if I was prepared to travel/lose £3k wages per year and run up 25,000 miles on my car I would otherwise not need to if I stayed put and looked for something else I could get to by public transport instead).

 

Help !!!!!!!!!!!

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Thanks for the link Wino (which I had already found and read for myself anyway btw).

 

However, you wil see that my OP asked for some opinions and advice re. strategy to be taken by me in the situation described, to safeguard my statutory entitlements (which have neither been confirmed, in writing, or denied to me in any shape of form as yet and I may therefore be worrying needlessly on that basis).

 

More specifically, would an ET view my refusal to move with the company as unreasonable if I did not accept the moved and it resulted in a Tribunal claim by me to get any £'s owed/denied at the 11th hour do you think?

 

Would appreciate some further feedback along those lines please - from anyone on here if possible? Maybe someone has been in a similar situation themselves (or knows someone who has been) and succeeded, or indeed failed on a technicality or something which, clearly, I would like to avoid wherever possible myself.

 

Thanks in advance for looking at this again for me everyone.

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With regard to current travel - I do not use a car to get to/from work as I live only 2 miles down the road from the office and there is a good bus service which costs me £10 a week in fares. My employer knows this.

 

Also someone else affected by the move doesn't seem bothered about extra distance/expense of the journey she will be making on top of what she does now by train so, presumably, is not asking for anymore £'s to compensate. Can my employer rely on this when refusing to give me something extra though? I see no reason for her to discuss/tell anyone else at work what I've asked for and got (or not as the case may be).

Edited by kernowayr
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May have now answered by own questions here (but would still appreciate comments and feedback on how the rules translate to me as regards "reasonableness" or otherwise of me, the Employer, and my employer in the circs. descrined. I found this on a law firm's website and thought it relevant to post here.

 

Suitable Alternative Employment

If an employer can offer alternative employment and that employment is accepted by the employee then the employer can avoid paying redundancy pay. However an employee can refuse that offer if he or she is able to establish that it is not reasonably suitable on a number of grounds. The grounds for refusal must be clearly stated, a simple refusal for no reason at all would be classed as unreasonable. If the employer refuses to accept the employee’s reasons for refusal the employee may submit an application to an Employment Tribunal. The Tribunal will look at both the suitability of the job offered, and the reasons for the employee’s refusal of the alternative job separately and come to separate decisions respectively.

When an offer of alternative employment is made it must be clearly stated what the changes are to existing terms and conditions to enable the employee to make a reasoned decision. The offer must be made before the existing contract and position is terminated and take effect within four weeks of that date.

 

 

An employee is entitled to ask for a trial period if the job offered is of a different nature. The statutory period is four weeks, but this can be extended. All the conditions of the trial period must be made in writing prior to the trial period commencing. There can only be three outcomes of a trial period:

  • acceptance of the alternative job by continuing after the end of the trial period. There will be no dismissal and the employee acceptance of the alternative job by continuing after the end of the trial period. There will be no dismissal and the employee’
  • alternative job is unsuitable due to differences between the old and new job. In this case the employee will be deemed to have been dismissed on the original date within the redundancy notice and a redundancy payment is made accordingly.
  • the employee unreasonably decides that a suitable job is unsuitable or unreasonably refuses to continue with the job. In this case the dismissal will not be deemed to take effect on the original date within the redundancy notice and the employee will not qualify for a redundancy payment.

Edited by kernowayr
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And this too (from another site):-

 

When refusing to move becomes redundancy

 

 

 

If you don't want to move with your employer, you may become redundant because:

  • the job at the current location no longer exists
  • you're being offered an alternative, but you refuse the offer as not suitable to you.

Whether you get a redundancy payment depends on a number of factors, including how long you've been working for your employer. However, the most important question is whether you've ' unreasonably' refused an offer of suitable alternative work.

There is no fixed distance which is 'reasonable'- it depends on your particular circumstances. If the new location is just a few miles away and you can drive or easily take public transport, it will probably be unreasonable to turn down the offer. If, however, it involves a difficult journey, even if it's only a few miles away, or affects personal matters like your family situation or children's education, it may be reasonable to say no.

When you are facing redundancy there is a right to a trial period in any alternative job you are offered - check the link below for more information.

Redundancy is a dismissal so you can always consider an unfair dismissal claim if you feel badly treated.

Edited by kernowayr
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So, bearing all of the above in mind would any "refusal to move" on my part be seen as unreasonable by an ET (if no compensation offered or offer not confirmed properly in writing and subsequently acccepted by me)?

 

Let's have a poll - Reasonable/Unreasonable/Don't know

 

Thanks guys.

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