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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Where do insurance companies get car details from for quotations?


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:?: Can anyone advise what database car insurance companies pull your car details from when supplying a quote (i.e. You enter your reg number and your make, model, etc. are retrieved.)?

 

My first thoughts are it is the Motor Insurance Database (MID), but I would like to be sure before I start throwing letters around.

 

 
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Quote systems are linked to the DVLA database so when a registration nember is input, it pull the make/model of the vehicle over. Very similar to when you input your address ( postcode & house number) into an address field, this links to the post office database I think.

 

The MID does not necessarily record the make and model of a vehicle as the only compulsory information required is the on/off date and registration number.

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Not all insurers use this though. Abbey did not on the grounds of cost and relied solely on the description given by the customer, though this may have changed since (if they still do motor insurance that is).

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Thanks for the replies.

I've asked the insurance Co direct, but the CS rep did not know!

 

The background to this, is that I renewed my car insurance in December, going with a different company due to price. Went away over Christmas and insurance docs waiting when I got back home.

 

Made a call just to query how they want the NCD proof and whilst talking to CS rep, I noticed the Car Spec was wrong. The policy showed the basic model whereas my car is a top model. I duly notified the error to the CS rep.

So she put it into the PC and advised me that the higher Spec was some £60 more expensive. She asked at that point if I was happy to go ahead with that, I said obviously not but what choice do I have. Payment was made in full via Debit Card.

 

Following the call I got to thinking how I went about getting the quote as this is not something I would normally miss. To get the quote, you enter your Reg no and it returns your car details. The Insurance Co say to check the details are correct - I guess that is their get out caveat.

 

But, there has to be one of two things happening here.

 

  1. Whichever database they are using is keeping incorrect data. Or
  2. They are getting the correct data, but putting the Car Spec to basic.

I know my details were correct with the DVLA and on the MID prior to the quote, so unless they are taken from elsewhere, then 1. is unlikely. But, if they have been sourced elsewhere, then the company holding/supplying the data must have a duty of care.

 

Making 2. the more likely reason. In the cut-throat market today, cheap price is king, so put the car to basic spec to show the cheapest price. When people spot it they will correct it for a revised quote. if people do not spot it they get hit for an increase in premium, plus admin charge for the change along the way.

 

In my case I have £30 premium increase and £30 admin charge. A girl in my office has been hit by exactly the same thing, but with a different company. Its costing her £320!

 

I'm figuring out an angle to demand my money back. At least the admin charge. But I am convinced this is deliberate. I'm just not sure how to get them investigated.

 

:?: Anyone got any thoughts on the above?

:?: Anyone experienced the same problem with incorrect car details?

 

 
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