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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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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Hastings Direct Car Insurance Cancellation Issues


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Hi,

 

I am CitizenS and have recently (today) joint CAG. I am writing for advice on how to deal with Hastings Direct. I originally had an insurance policy with M&S. The requote was @£404. I searched the web using various comparison websites and settled on Hastings based on the cashback I would get through Quidco.co.uk. Insurance cost @£434 with some better terms. Cash back £53.50. I paid for this on the 30.10.10. Phoned M&S and they gave me a cheaper quote i.e. @£369. This original quote was apparently an administration error. We agreed for this policy and phoned Hastings back to cancel immediately. This could not be done because it was not on their system (apparently it takes 24 hours for the system to be updated( obviously they have an amazing IT system)). I phoned the day after 31.10.10 and was advised that my money would be returned minus £25 administartion fee. While being shocked I was able to advise them that this was illegal. They denied this as this was in their on-line terms and conditions which i had signed up to:mad2:. About an hour later, having calmed down, I phoned again and advised them that this was illegal and contradicted the insurance documents which I had downloaded from the internet. In it it is stated that the full premium should be refunded if the policy is cancelled within 14 days of taking out the policy. They ( the complaints department) said that they or their manager could do nothing about this and that this was the charge. I have started writing letters to both companies i.e. Hastings Direct and M&S, with copies to my MP. How can I resolve this matter quickly?:|

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They can legally make the £25 cancellation charge. This has been challenged before.

 

If you are unhappy about this, give the FOS a call to check with them.

We could do with some help from you.

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Many thanks unclebulgaria67 for your advice. However is this not contradictory to their paperwork? After all this is distance selling and the same 14 day rules apply. Bearing in mind the advice from this website, it would appear that the small claims court is the best route? What are your thoughts? By the way when people have challenged this before, what has been the outcome?

Citizen S

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I am also with Hastings and took out my policy online.

I can confirm that the administration fee of £25 does appear in the terms and conditions.

The FOS would expect you to try to resolve things by the usual 8 weeks timescale before taking it up.

In the same way a Court would want to see that pre action protocols have been followed.

I suggest writing to Hastings and asking them to provide a breakdown of the Admin fee which demonstrates it is a true reflection of the cost in cancelling.

Keep a copy and send recorded delivery.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin3030,

 

Thanks for your post. I will follow your advice and write to them within 8 weeks and ask for a breakdown of the administration fee. The chess game begins..........

 

Citizen S

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The 8 weeks is their timescale for dealing-you are free to write straightaway.

I would also request a copy of their complaints procedure (as is a requirement if you are filing a complaint)

I did get a similar fee waived in the past by another well known car insurance firm,when I approached them in the same way.

If they cannot show this charge to be in proportion to their costs then it leaves the way open to challenge it as a penalty charge under Unfair Contract Terms.

Its incomprehensible to imagine they would want to go to Court over £25,but if this turns out to be the chosen route then you MUST demonstrate that you have exhausted dialogue with them to try and resolve it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Heres their CC licence details which show address for correspondence and a list of names from which to write to.

 

Application / Licence Details

 

 

 

 

Licence Number:0421597

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Hastings Insurance Services Limited03116518

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Hastings Bike Team Hastings Direct Hastings Essential Hastings Local Hastings Van insure insure commercial insurebasics insureblue insurepink Likewise Insurance People's Choice Renew Insurance

 

Trading Name(s) (Historic):

 

Agenda Insurance Services Hastings Insurance 1st Advantage Insurance Services Call 2000 Plus Call 2000 Plus Insurance Services Toyota Insurance 121 Auto Insurance Services Auto 121 Direct Ridesure Insurance Services Insurepink Student Finance Company 1066 Direct 1st Advantage Angel Insurance Services Halo Insurance Management Powerline Insurance Services Ridesure 121 Auto 250/500 Insurance Services Aardvark Insurance Management Agenda Help Insurance Services The Automobile Insurance Service Centre

 

Issued Date: 08-Jan-1997

Expiry Date: 16-Feb-2012

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

 

NamePosition Adrian Parry Anthony Stephen Leppard Edward Martin FitzmauriceDirector John Castagno Neil Alan Utley Paul Bryan Pavey Richard Mark Brewster Timothy Andrew Ablett

 

Historic Individuals that run the organisation:

 

NamePosition Alison Sarah PickupCompany Director Augustine HatchOFFICER Christopher John HopperOFFICER Claire Louise DayOFFICER David Guy GundlachOFFICER David John TitteringtonOFFICER David PyeOFFICER George Leslie FeltonOFFICER Graham SeymourOFFICER Ian GodfreyOFFICER Ian Ronald Sutherland Jeremy Peter KendallOFFICER Masanobu KobayashiOFFICER Michael HawkerOFFICER Michael Hutton Michitoki YokaiOFFICER Nicholas Potts Peter BaretteOFFICER Peter ConnellOFFICER Phil KnightOFFICER Robert George McKibbinOFFICER Steven Terence Hunter Griffin Tetsuro OgataOFFICER Toru MorotaOFFICER Yoshiaki YamazakiOFFICER

 

Historic Organisations that run the organisation:

 

NameCompany Registration NumberPosition CuggyVictoria LouiseCompany Secretary

 

Current Address(es):

Address TypeAddress CorrespondenceConquest House, Collington Avenue, Bexhill On Sea, TN39 3LW Principal Place Of BusinessConquest House, Collington Avenue, Bexhill On Sea, East Sussex, TN39 3LW Registered OfficeConquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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