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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.

      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.

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      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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ESA Appeal Support Group / WRAG Advice needed


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Contribution based ESA.

 

I had been in the Support Group for around two years but was moved to the WRAG following a "medical" a few months back.

 

Ironically I "passed" the most recent medical. The previous two I "failed" but each time I obtained a reconsideration after submitting doctors letters without having to go to a formal appeal.

 

This time I queried the decision and was initially told it was automatic but should have been looked at by a decision maker. Meanwhile I had been sent an appointment for a "Work Focused Interview". I was told to contact the local office and ask for this to be postponed pending a decision. This was agreed.

 

A few weeks later I got a letter saying they were unable to change the decision but I could appeal if I wished.

 

I send in a detailed appeal with supporting evidence and a letter saying I couldn't see how their decision could be a "reconsideration" as apparently no original decision had been made!

 

Again, after a couple of weeks, I got a letter saying they would look again at the decision and if it could be changed in my favour the appeal would lapse.

 

This was five weeks ago and I heard nothing further. I'm still getting the WRAG paid into my account and have not been called to any further meetings.

 

Would I be best to chase this or let sleeping dogs lie? To be honest I would rather have the slightly lower amount of money than risk stirring things up and have to attend the "work Focused Interviews".

 

However I am conscious that the new rules mean I can only stay in the WRAG for 1 year (??) so presumably this will come to an end in about 9 months time if I don't get upgraded.

 

Any advice would be appreciated.

 

Thanks

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The new rules mean you can stay in WRAG for as long as they feel you need to. (as it is now) But after one year, you'd get no money if you don't meet the income based criteria and you have spent the last year on contributions based ESA.

 

OK, thanks.

 

However, unless I'm missing something the only benefit to me would be getting credited with NI contributions??

 

I have more than enough years for a full basic state pension. Do these contribute to the second state pension? Otherwise would the only value be remaining eligible for contribution based benefits in the future such as the ESA Support Group should I meet the medical criteria?

 

For the foreseeable future my assets are too high to be eligible for anything means tested.

 

Also, does the year start from when I was moved to the WRAG (I was in the Support Group before).

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OK Thanks.

 

So, if I remain in the WRAG until the year is up and payments stop what we are saying is that they would continue to credit me with NI contributions presumably subject to still attending the dreaded ESA "medical" etc? If at any stage I get put back in the support group payments would start again?

 

As I mentioned I have more than enough NI contributions for a full state pension. Therefore if I drop out of the ESA system because it is too much hassle just for the contributions how long would I remain eligible for contribution based ESA should my condition worsen to their idea of Support Group level?

 

I'm not willing to claim contribution based JSA for the six months it would be available as the procedures would be counterproductive to my health.

 

I realise I am fortunate in that I don't desperately need the money. I believe I am entitled to ESA on medical grounds at support group level and I have sent in an appeal with appropriate doctor's letters etc. However this seems to have vanished into a black hole!

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