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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
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    • 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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Trout V Cap 1


trout
style="text-align: center;">  

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Thanks

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I have a Capital One credit card from pre 2007 so it is possible that they won't have a true signed agreement.

 

 

This I would like to query,

 

 

however on my initial and subsequent cards and statements they have mis-spelt

my first name.

 

 

How would this affect my case ?

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Thanks for the reply PGH7447,

but then what ?

 

 

Part of my concern is that they will try to say that I have committed some kind of fraud

by using the card with a mis - spelt name which would be wrong.

 

 

The only thing I want to address is whether or not I have a valid cca

and if not then I would like them to repay all interest paid over the years towards

settling the outstanding balance which is significant.

 

 

What if they demand full payment once they realise the error ?

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Hi Trout

 

yes ....nothing to worry about here.....as the previous poster said misspelt names are common. my missus had an account under the name chirstina...her name was christina....its what you put on the application form that matters.

 

CCA them and see what turns up

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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my nickname was used to open my account like Billy for William - If the CCA is valid then the name error is not enough to deem the agrement unenforceable.

 

You have to CCA them to see if it has all the prescribed terms. That's the most important thing to determine. The actual CCA - Forget about the name error.

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I can 100% say you wont get the intrest back

 

depends on the cca, if its enforceable and how you go about it.

 

first and foremost ....get the cca, post it here and we'll have a look.

 

we can argue the toss all day, the cca is what we need to see. all decisions can then be made. but I will say one thing, it is "unlikely" but not impossible that you'll get any money already paid, back. there are precedents that would allow it, but thats for the future.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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  • 2 months later...

Hi,I cca Cap 1 and received this :

 

img007.jpg?t=1264607708

 

and:

 

img011.jpg?t=1264608042

 

img010.jpg?t=1264608513

 

I then put the acc into dispute,and to day received the following ;

 

img002.jpg?t=1264608670

 

 

img003.jpg?t=1264608748

 

 

together with 6 pages of t & C's which may or may not relate to any alleged agreement.

 

Is the above enforceable.

 

Thanks,

 

Trout

 

Cap 1 sent this after I cca them

 

img007.jpg?t=1264693647

 

 

img011.jpg?t=1264693740

 

img010.jpg?t=1264693893

 

I then put the acc into dispute and they have now sent me this

 

img002.jpg?t=1264694926

 

img003.jpg?t=1264695078

 

 

 

along with 6 typed pages of t & c's

 

could someone please advice how to proceed from here

 

Anyone ?

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Anyone ?

 

I'm in the middle of something..but I will give it a look over later....looks like one I'm doing for a friend

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Ok....sorry its been a while....got really tied up in work....didnt have time to think

 

You have to make a decision....!!!

 

on the face of it, the APPLICATION form you filled in DOESNT have the prescribed terms, although it makes reference to terms elsewhere.

 

It doesnt make reference to terms overleaf......so the terms were certainly not "within the four corners" of the agreement. Also on the second page of what you posted they make reference to not being able to determine your repayment schedule etc....this sounds like they DONT have the original terms

 

Dont get misled by the "four corners" routine it doesnt mean on the same page....but it must be WITHIN the document and NOT in an ancilliary document.

 

A document can run to many pages....but yours just seems to be a "short application" form............so

 

As I said you have a decision and its not one I can make for you

 

you can take a chance and stop paying in the hope that they will take you to court. Your credit will be trashed for 6 years, but it probably is already or you wouldnt be on here.......this is ok as long as you dont need a mortgage or want credit cards or a loan.

 

IF they decide to take you to court, you can ask them to supply the original documents and original terms.....read the thread dealing with http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/240186-dissecting-manchester-test-case.html as to what they must supply.

 

since the manchester judgment (Carey -v- HSBC) things have changed.....they can supply crap to a S77-79 request, but must prove their case with originals or at least verified copies of the originals......

 

whether the judge accepts what they present, is anyones guess......

 

If they havent got the paper work right you "should win".......unless the judge thinks you are a chancer and out to avoid the debt !! it seems sometimes that the law does not apply as it should do, but personal bias plays a great part.

 

As I said ......only you can make the decision.......ask yourself the question "do I feel lucky"

 

the agreement stinks.......your choice

 

sorry couldnt have been any more help

 

Dave

Edited by davefirewalker

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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  • 4 weeks later...

Many thanks Dave for your time and input.

 

As you said I had to make a decision.

 

Well, I'm now going to put the acc into serious dispute.

 

Am I a chancer ?

 

Yes I realise I've got myself into the financial mire,yes I'm trying to dig

myself out of a very large black hole,but,and it's a big but,the various

credit card companies knew my financial circumstances and used this for

their own financial gain.If in doing this they used methods that now leaves

them with a problem,then in all honesty I don't care anymore.Having had

more sleepless nights than I can remember and having suffered ill health

because of the stress I feel that I don't really have any other options.

 

Again, I really appreciate yours and everybody elses help on here,and I will post up any further developments in due course.

 

 

Stay lucky,

 

Trout

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  • 6 years later...

Hi,

 

What constitutes contacting a Creditor / Acknowledging a debt as far as SB is concerned ?

 

eg does a CCA request to the original or assigned creditor count ?

 

Does accepting unlawful termination count ?

 

Does in any way disputing the account count ?

 

thanks

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Hi,

 

What constitutes contacting a Creditor / Acknowledging a debt as far as SB is concerned ?

 

eg does a CCA request to the original or assigned creditor count ? no

Does accepting unlawful termination count ?no

Does in any way disputing the account count ? might

thanks

 

 

what is your issue please

full story

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Your questions are a bit vague so it's not completely possible to answer them.

 

Certainly, asking for a CCA does not acknowledge a debt.

 

You have to give us a bit more detail

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Whooops - deja vu!

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:lol:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The debt is related to a Capital One credit card taken out pre 2007.

 

In November 2009 I sent them a S78 request.

 

I received a recon from them in December 2009 which I disputed

 

They then sent a copy of an application form which lacked the prescribed terms stating that was my agreement in January 2010

 

In March 2010 they issued a defective DN

 

In April 2010 they terminated

 

I accepted their termination in August 2010

 

Debt eventually assigned to Lowells, I sent them a S78 request and got the same rubbish back.

 

Lowells have sent various letters offering discounts etc but I have not contacted them other than the s78 request.

 

last payment was early November 2009

 

Cheers

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when was your last payment

old and new threads merged

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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