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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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Credit Files and DCA's


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Yet another question, can Red allege I've made a payment during the last 6 years, as reading the site, it appears that some DCA's make up this story. I know that no payment or acknowledgement has been made since 2004.

 

JB

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They can allege anything they like but would

need absolute proof of any payment.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They would need Not only proof of payment, but also proof that it was made by you for it to have any effect

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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The other day I posted a thread on here as I had 2 letters appear completely out of the blue for debts that are well statue barred from Red. A number of people advised me, and Brigadier compiled a 'statute' letter. I sent the letter by Recorded Delivery and it has been received by Red.

 

Today again out of the blue I receive this letter from Robinson Way, Salford, M50

 

Dear Joe Blogs

 

Previous Address: XXXXXXXXXX

 

For the purpose of validation, we believe that you used to live at the address noted above. It you are not that person, or you have any queries or concerns, please use the freephone number below to let us know so we can ensure our records are correct.

 

FREEPHONE NUMBER ETC

 

If you are the person named above, you may also use the number to contact us.

 

Yours faithfully

 

Correspondence Manager

 

Now as I said in my previous thread, I did have debts, but they are around 7-8 years since payment/acknowledgement.

 

What shall I do with this letter now received? Many thanks

 

JB

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Ignore until there is a clear indication as to what they are chasing.

Don't get trapped into any phone coversations ever.

They are phising at the moment so don't bite.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks Brigadier, I will wait and see what they come up with next. About 6 months ago I took out a contract with Vodafone now I am wondering if they have sold on my personal info.

 

JB

On that selling of your info by VF I do not know.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Typical phishing letter by some very grubby and desperate fools.

 

Ignore them completely, you are under NO legal obligation to reply or respond to ANY letters that are pushed through your letter box.... they have nothing, you owe nothing, they are wanting to make a quick buck, and the only people they make any money out of are those who are unfotunate to fal for their tricks...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Typical phishing letter by some very grubby and desperate fools.

 

Ignore them completely, you are under NO legal obligation to reply or respond to ANY letters that are pushed through your letter box.... they have nothing, you owe nothing, they are wanting to make a quick buck, and the only people they make any money out of are those who are unfotunate to fal for their tricks...

 

could not have said it better myself thats why they are called robbers way

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Thanks Brigadier, I will wait and see what they come up with next. About 6 months ago I took out a contract with Vodafone now I am wondering if they have sold on my personal info.

 

JB

 

Hi JB,

 

I can understand your concerns here but let me take this opportunity to reassure you that we would not have provided your personal information to this DCA.

 

If you'd like further information regarding our privacy policies please see our website here.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Vodafone would have passed your personal info to Credit Reference Agencies when they carried out a credit check prior to your contract starting. I imagine Robbers Way obtained your details from the CRA not Vodafone.

 

The phone company (whichever) will have made an ID search.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What companies say and do are concerning, I don’t trust any of them, its all profit... only yesterday BBC watchdog announced the DVLA have sold driver details to private car parking companies. I DON’T TRUST THEM…..

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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Hello, I wonder if I can ask for somemore advice please. As already mentioned, I had some stature barred debts, last payment/acknowledgement 2004. Checked Credit File and none of the debts are showing. I am very worried that this company can add the debts back onto my Credit File.

 

After sending my letter to Red by Recorded Del, I have recently received a letter from Lowell Portfolio 1, the contents are as follows:

 

We thank you for your recent correspondence.

Please be advised that at the point of purchase of thesen debts Lowell Portfolio 1 Ltd became the data controller in accordance with the Data Protection Act. Consequently, as the legal owner of the debt Lowell Portfolio 1 Limited retains the right to process your personal data. Therefore Lowell Portfolio 1 Ltd are not prepared to cease processing your data in respect of the debt on the basis this is required for the performance of a contract to which you are a party.

 

We are now looking into your enquiry and will be in touch shortly with an answer.

 

We can't give you an exact date, as we may have to get information from other departments and outside companies. But we will get back to you as soon as we can.

 

Please do call us.

In the meantime, if you would like to talk to us about this or anything else, please do phone us here at Customer Services on the above number.

 

 

Of course I'm not going to call them, but what does all this mean and can they put the debts back onto my Credit File even though I know they are Statute Barred?

 

Many thanks for all your help.

 

JB

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NO NO NO, this is Lowell posturing once a debt is SB it stays SB.

Send this to the Data Controller at Lowell.

Further to your letter dated xxxxx regarding xxxxxx

I do not acknowledge any debt to Lowell or any other

''trading style'' you may wish to use to confuse matters.

I have informed yoy that the alleged debt is statute barred

and I will not now or in the future be making any payment

or offer of payment now or in the future.

I am sure you are aware of the OFT Guidance on Statute Barred

Debt and I will consider any further contact from any company

of the Lowell Group to be harassment.

Therefore YOU WILL CEASE TO PROCESS ANY PERSONAL DATA

RELATING TO ME.

I shall report the conduct of the Lowell Group to the OFT and also

remind you of the OFT Guidance on the sale of statute Barred Debt

without informing the purchaser of the status of the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello Brigadier

 

I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-

 

Dear JB

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

 

So big thanks to everyone, especially Brigadier.

 

JB

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Good result JB, and with the new OFT guidance on the sale of SB debt

they'll have a job to off load it.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello Brigadier

 

I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-

 

Dear JB

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

 

So big thanks to everyone, especially Brigadier.

 

JB

 

And are they ceasing/removing the information they have flooded your CRA file with ??

 

However, this is good news. Do keep that letter safe.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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And are they ceasing/removing the information they have flooded your CRA file with ??

 

However, this is good news. Do keep that letter safe.

It is in the letter JB has posted to them, required to cease processing

data and remove from records.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It is in the letter JB has posted to them, required to cease processing

data and remove from records.

 

 

Sorry Brig.. missed that:oops:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.

 

Thanks again to you all.

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Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.

 

Thanks again to you all.

 

i would not just check experian there are 2 other credit refrecing agencies where they could have posted thier grubbly little details make sure yo check call credit and equifax as well if nothing is on them 2 then your all clear

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