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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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dwp chasing payment for 15 year old debt


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Hi everyone I am new to this site,

 

I would be very grateful for some advice regarding 15 year old debt from DWP.

 

I received a letter ta the beginning of Feb 2012 demanding payment for old debt from 1997,

also said that i had been contacted before (but I haven't).

I have been in full time employment since then.

 

I contacted them to ask what the debt was for and was told it was a mistake when I was on income support from 1993-1997 which i would have to pay back.

 

I asked for all correspondance relating to the debt to be posted to me,

two weeks later i received letter stating what the debt was for ,

apparently i had appeal against the decision in 1997 through a solicitor and i have not receive anything since so thought my appeal had been accepted.

 

Now they have hit me with a hugh amount and are threating debt collectors if i don't pay.

 

Any advice please would be much appreciated

Thanks

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Thanks for replying, they sent me a breakdown but from what i can remember it is not correct which is why i appealed it, I asked for all correspondance but they won't send me anything relating to the appeal, can i request that they send this, I only have a few days left to reply now and i have to fill in all my outgoings and send back to them.

I have asked them to take me to court so that i get to fight my own corner, but they said they can not do this but can send debt collectors.

Thanks again

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Debt collector have no power whatsoever, you do not have to speak to a debt collector and you do not have to give him anything.

 

It's obviously not legally enforceable or they would be talking court, that is all they know, so you can play along with their little game or just ignore it and the following letters.

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The debt is statute barred that's why they cannot take

you to court, but they are entitled to recover the debt

in another way if you at any time receive any further DWP

benefits including state pension deductions can be taken

from that benefit.

The DCAs the DWP use a heavily regulated and are subject

to the official secrets act in the same way as civil servants,

and the content of all letters sent is approved by the department.

(source Lord David Freud, Minister for Welfare Reform DWP.)

There is little that they can do to make you pay, but they won't

go away.

Make an offer if you like of a payment that you can easily afford.

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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many thanks for the replies, i have offered them what i could afford and they won't accept this, they want treble what i have offered to pay, they have now sent a form for me to complete with my outgoings monthly, do i need to complete this form i do i just stick with the offer that i can afford i didn't think they could decide what i pay, but i am unsure.

 

Thanks again for your advice.

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Is this DWP debt management handling this

or has it been passed to a debt collection agency?

 

You could send following to whichever organisation

is chasing it.

 

Dear Sir Or Madam,

Ref: xxxxxxx

I write in regard to the overpayment you state is owed by me,

I am fully aware that this ''debt'' is statute barred and court action

cannot be taken, if the debt is reffered to a debt collection agency

nothing changes and I will still only be able to offer to pay £xxxx.

Therefore I once again offer to pay £xx per month and the first payment

is enclosed herewith.

Send it recorded delivery.

I have sent this ona number of occasions for others.

  • Confused 1

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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Thanks Brigadier,

 

It is DWP Debt management, I will send letter recorded delivery today.

Can you just advice please as on the letter it says if it is passed on to civil proceedings this will add further costs to the amount owed and may affect future credit ratings, is this true i have worked really hard over the last 10 years get a fair credit status and cleared all debts over the years.

 

Thanks again its just frightening when you receive such mail 15 years later.

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This is a template letter designed to frighten, which is why I added

the para about Statute Barred debts.

They have already acknowledged that they can't take you to court

anyway.

AND they cannot report it to the CRAs anyway.

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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Thank you so much Brigadier, you have just put a smile on my face for the first time in weeks.

I was so worried, i have never hidden from anything and always paid off debts but this was a shock!!!

Anyway great site and i will keep you all informed of responses i receive.

Thank you again.

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