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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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Off record - truly shaking, scared + ill, help gratefully appreciated


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Hi everyone,

I don't usually use forums anymore, but this seems to be the only place where i may receive some useful feedback.

 

I'll try to keep this accurate as possible, but it is complex.

 

I am a post graduate working man looking to move home.

I currently reside in a shared house privately let for £250 / month / person, bills and Council Tax included (paid within the rent).

I have resided here for just over one year and have always lived by the book, not requesting any assistance or benefit until recently when I began claiming Working Tax Credit.

 

My course was to last three years but became five when I was accepted for mitigating circumstances or 'writing up' in 2005.

The first three years i handed in Council Tax Exemption Forms for each of my dwellings.

 

Throughout the latter years, i sought guidance from piers (university workers, tutors, receptionists but not the NUS *stupid but i did not know*) whom expressed my 'full time course' would exempt me from council tax.

There was a link to print a form but one would not issue when I clicked online. again, when queried, I was told "probably a server error".

 

I 'based' with my grandparents, who were paying full Council Tax and continued to work toward my grade.

University was quite a distance away from my grandparents house, so I stayed most nights each week with friends, other family and colleagues nearer to the university.

 

In 2006 I began working part time whilst completing my degree.

working myself almost into hospital again, I graduated in 2007.

That following year, I maintained my awkward lifestyle staying between friends and family.

 

I have recently investigated credit checking, references and council tax so that i can move with a friend to a new home through an estate agency.

I would like to begin paying my own Council Tax on that property.

HOWEVER, upon discussing said research with my grandfather, It turns out that nobody called the Council to ever declare my residence. Furthermore, due to my grandfather never truly knowing how long i would stay with them, I was apparently not even put down on their electoral. :eek:

 

I am truly in fear that I may be seen to have not paid council tax for a period of THREE years. Of course, people would verify my intermittent whereabouts, but that is not exactly hard evidence.

I visited my local citizens advice bureau who told me I was 'better off not going to the council because they may not request such history, and I should only worry once something bad actually happens. You can still put down your current address in the "previous address" box.'

 

Now, obviously, all this should have been my responsibility. In my head, the house i stayed in most was fully paid CTax, and everyone involved genuinely believed I was panicking over nothing when I discussed it.

 

I owe my degree to my grandparents. They helped me out when i could not afford another student house year. So i do not want to repay them with trouble. Three years is a very long time to account myself elsewhere.

 

It hurts that other people i know, who were privileged to stay with family, need not ever worry about this sort of history. But I have heard that this could make my life incredibly difficult and maybe even leave me with a criminal record or smudge on my name.

 

Okay, I have typed far too much, but if anyone could lend any knowledge on my circumstances, please, I would very much respect your advice.

I can pay fees to fix books or a penalty for not declaring myself. Even pay said fees for each year I repeated the mistake. But to pay a full CT on an imaginary property, that is a frightening concept.

I don't know what happens next. The citizens advice cannot seem to uncover much more.

 

Thank you for taking the time to read my thread. I think it is wonderful that this forum can exist for people.:)

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Guest Old_andrew2018

Hi

Welcome to CAG, I'm no expert so if I am wrong I expect to be corrected

If your grandparents paid full council tax without claiming any reduction, and you were residing with them full time then you would have no liability, so IMHO your grandparents house would be your previous address.

 

andy

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Thanks for that Andy. Common sense says this should be my case so hopefully there shall not be any liability or cause for complaint against me.

 

If anyone could verify this situation I would still be very grateful. Living looking over one shoulder is never a good situation to be in.

 

Should I and my grandfather attempt to contact the respective council or should I wait until they request details (if they even do)?

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