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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Scottish Limitation period extended


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--

GOVAN LAW CENTRE

NEWS RELEASE

 

Immediate release on

Thursday, 30 March 2006

 

 

 

Insurance companies to pay out more - Supreme Court decision to benefit thousands of citizens

 

 

 

 

For over a decade insurance companies in Scotland have been able to reject breach of contract claims for inconvenience and distress not raised within 3 years. Scotland’s Supreme Court overturned that rule today and confirmed that citizens have the right to raise proceedings within a 5 year period.

It is not uncommon for insurance companies to delay and haggle over consumer claims. Your house is ruined by a flood, possessions are damaged or stolen. You think you are covered, but the insurance company drags it heels. By the time a citizen sues the insurance company they discover they are time barred to claim for hassle, distress and inconvenience suffered. So insurance companies have less incentive to settle.

Govan Law Centre’s case of Mack v. Glasgow City Council clarifies and advances the law of damages in favour of ordinary citizens.

Until today, insurance companies have relied on the case of Fleming v. Strathclyde Regional Council 1992 SLT 161 to reject many claims for distress and inconvenience. Such claims were treated as ‘personal injuries’ from Fleming, and only recoverable if claimed within 3 years. The Inner House of the Court of Session overturned Fleming and confirms that citizens can now pursue such claims for up to 5 years.

In delivering the Court’s Opinion in Mack, Lord MacFadyen said: “[17] In our opinion Fleming was wrongly decided … we conclude that the claim is not properly to be regarded as a claim for personal injuries”.

The Mack decision has implications not only for the insurance industry, but also for Glasgow City Council – who lost the appeal - and social landlords across Scotland. Glasgow City Council had argued their former tenant could not claim for the inconvenience and distress of having to live in unpleasant damp and mouldy living conditions because this was a claim for ‘personal injury’, and the former tenant was outwith the 3 year time limit.

If Glasgow City Council had of won its appeal it would have meant no tenant in Glasgow could have sued them for having to live in poor housing conditions – because the Council transferred all of its stock to the Glasgow Housing Association on 7 March 2003 – so its liability would have ended on 7 March 2006.

The consequence of Mack is that Glasgow City Council is still liable for claims for inconvenience and distress of former tenants until 6 March 2008. Likewise, all former landlords will be subject to a 5 year claim period after stock transfer, now and in the future.

Govan Law Centre’s Principal Solicitor, Mike Dailly, said:

“Govan Law Centre believes that the case of Mack is potentially good news for thousands of citizens across Scotland. If your insurance company refused to pay you money for distress or inconvenience in the last 2 years on the grounds of timebar, you should immediately consult your solicitor in light of Mack.

Likewise former tenants of GlasgowCity Council should be aware that they have until 6 March 2008 to recover damages from the Council for the inconvenience and distress of having to live in damp, cold and unpleasant living conditions”.

 

ENDS

 

NOTE TO EDITORS

The judgment of the Court was published in full on the Scottish Courts Service at lunchtime today (it runs to 13 pages).

It is available here: http://www.scotcourts.gov.uk/opinions/2006CSIH18.html

 

 

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