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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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    • 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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Well after Lloyds paid the payday lender the sum of £251.00, still claiming the had to as visa cleared the payment, as the debt should have been paid. I did inform Lloyds that ME and not my wife took out the payday loan yet they still took paid from my wife own account as she did quote a debt card to make a payment. ( cancelled along time ago ) . Also Lloyds now chasing my wife for £496.98 just dont know where to turn now , we have wrote to lloyds who refuse to charge back and cancel fees.

 

1, Loan was taken out by me & not my wife

2, Lloyds paid debt on a basis / confirmation from visa wrong the wife did not take out the loan

3, Lloyds charging HUGH fees more than the payday lender

 

Can anyone help with this matter

 

cheers

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  • 1 month later...

well got a letter today from the TSB the account is now £401.00 over drawn, and they demand repayment in full, we feel the bank are blackmailing now by refusing a charge bank of funds which should have not been paid. The payday debt was in my name and not the wifes but the TSB are not playing ball and just adding fees. Clearly the bank is just as bad as the paypday lender

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  • 1 month later...

Well today we have had a letter from SCM Solicitors demanding we repay the debt now £407.00 as Lloyds are charges fees. unless we repay now / 14 days they will start court action. I have asked llloyds for theproof of the debt as they state they were told by visa to pay which wenot see that happening. I have wrote to SCM asking them for the proof of debt in my wifes name.

 

sending recorded delivery as proof we have replied, lets hope they have proof of debt which we dont think they have fingers crossed

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Can you post that letter up minus personal info. I'd be interested in seeing how they word that letter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If, may, could etc etc. You get the idea.

 

It's also one of their form letters, signed by nobody. Notice the SCM signature. Theyre just a solicitor for hire.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

Lloyds have today stopped the access to the online banking, seems strange as now we do not know how many more charges they are adding. We have wrote via recorded delivery asking for the proof of the debt but so far no replies.

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  • 4 months later...

Well after writing to lloyds requesting copy proof of the debt which they refused they passed the file to moorcroft to collect. We asked them for proof of debt and again they refused claiming £428.00, now a company called midas credit service claim they are acting on behalf of moorcroft and they claim £428.00 , just going around and non of the companys can provid e proof of debt. Can anyone help to sort out this debt

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SO Moorcroft own the debt? Chances are they dont care. They are one of the lowest DCA's there are. They will just ignore your request. The OC wont care as they would have already claimed the amount back off their tax/insurance.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If moorcroft have sent another DCA out after you, then they either own the debt, or they are breaking the terms of their credit licence by sending out a DCA when they are not allowed to. More than one DCA at a time after a debt is a big no-no

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Then moorcroft own it, or they are breaking the terms of their credit licence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 months later...
  • 3 months later...

Can anyone help, we have had a letter from HL solicitors regarding debt. We have requested details in writing and got no reply. Who are HL Solicitors they state they have given 14days to reply


 


what next !!!!!



The letter states

1, full the Clint full amount or part of the sum you admit is due

2, if you claim part provide full written details

3, tell the client you are seeking advice

also if you fail to reply in 14 days we anticipate that we will be instructed by our client to issue country court proceedings without notice.

strange the letter ends

please note that all communications should be directed to our client, quoting the reference

is this just a threat letter ???
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