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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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How much was my debt sold on for?


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Is there any way I can find out how much my debt was sold on for?. The reason I am asking is that I made a full and final settlement offer to Barclaycard early this year of 20% of the debt, they refused the offer and said the least they could accept was 50%, I could not go to this as I have to offer all my creditors the same percentage which most have now accepted.

 

I have just received a letter telling me that the debt has now been transferred to IDR Finance UK Ltd. I think it is important to know how much our debts are sold on for, as if they are around or below the offers that we have made, then it is not correct to pass the debt on at the same value only to cause more upset down the line, that is my opinion anyway, it should not be allowed if the debtor has tried to negotiate a settlement figure for the debt to then be sold on to a third party for the same sum or less.

 

I have also requested and never received a True Copy of the agreement, only the application form dated 1997. This debt has been with Mercers (I understand they are Barclays inhouse monkeys), and also passed to Power2contact for a short while. I have been informed by Barclays that my offer of 1.00 per month will stand for the next six months, after which IDR will negotiate a new payment plan. I have been out of work now for 18 months, after working for 39 years, and have applied for over two thousand jobs with no luck to date., and really need to know what I am up against with IDR and if it is best to just sit tight for six months and pay the pound, any advice would be really appreciated.

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Hi gem

 

I don't think you will be able to get the information you seek, but you might be able to offer a lower amount to whoever bought the debt, it might work out in your

favour, but be very careful how you word any F & F Settlement.

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Thanks for your reply. Yes I will be careful, I have not settled with any that have not put in writing that they will write the balance off and not pass to a third party etc, I also have True Call, so have recorded anything verbal as well.

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Any charges on the account, Gem ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, for a while they added a twelve pound charge ofr not paying the minimum amount, and continued to add interest for a while, this has all now been frozen, and I note tha the balance has been reduced over the last four months by four pounds. Thankyou foryour reply.

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You can re-claim any £12 charges with Interest.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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For what it is worth, I read on here about 18 months ago when Barclaycard sold my debt to another DCA, that the going rate was 10p in the £pound. I am still saying to them that I will pay, at most, double that which I believe they paid.I STRESS THAT THIS IS HEARSAY, but given that I was offered a 50% discount within 3 months of the sale, I consider it to be fairly near the mark.If you have a repayment plan in place that costs you £1.00 per month, stick with it. Don't be bullied into paying more if you cannot afford it. At worst, a court would uphold your agreement, IF THAT WAS TRULY ALL YOU COULD AFFPORD.15 months after I started to repay my debts, I fould that I couldn't continue at the current rate. I simply wrote and told everyone the facts with a current budget statement, and reduced the standing orders - no-one stuck out against me.A golden rule NEVER PAY BY DIRECT DEBIT - it puts them in control, not you. PAY BY STANDING ORDER - you choose what to pay and when.All of this I have learned in my two years on this site, but each case is slightly different. I wish you well.LSP

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Hi Luckysandpiper (hope you are sending me one) thankyou for your reply. I have managed to negotiate with four of my creditors, Egg snapped my hand off for 20%, MBNA agreed to slightly more, but on a debt of 14K I settled with 4K, the others were also within my budget. I really would like to get the last few sorted as it has been a bad couple of years for me so far and would be good to at least say I have achieved something worthwhile out of it all, to be debt free by the year end was my intention, 60k of debt now down to 20k, so getting there and all thanks to this site and all the amazing people willing to give their time and advice I have learnt so much on here.

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Hi Moroondevo52, How do I go about reclaiming the 12.00 charges?.

 

If you do not have all your statements, send a Subject Access Request to Barclaycard, this will cost you £10 (Postal Order), send it recorded.

When you calculate the charges applied to your account you then send a Prelim letter asking for these charges back.

If after 14 days they have not complied with your request you then send them a Letter Before Action telling them you will be taking the matter to court.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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