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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
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PRA Group Civil Bill NI on RBS/MBNA Card 'debt'


Erika Jean
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Default can't be in the future???

 

Civil bill date

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:lol:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

page showing last payment by you to MBNA

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Filling in all the forms related to my defence today. Expect some stupid/obvious answer questions later. Thanks for all the help so far.

 

This is my response to the Notice for Further and Better Particulars of Defence.

 

Do I need to add anything else?

 

Reference:

NOTICE FOR FURTHER AND BETTER PARTICULARS OF DEFENCE

 

Under the Limitation (Northern Ireland) Order 1989 Section 4(a) "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".*

 

 

The Plaintiff's claim was issued on 7th July 2016. The last payment or written contact from me was 26th February, 2009.

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not sure on NI court stuff meself

 

but yes you are correct on the SB bit ofcourse

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Just a quick update.

 

I sent off my defence as above on the 5th August.

 

I also sent a notice of discovery for particulars of their claim on the same same date.

 

The firm stated they had 14 days to supply me with details.

 

So far I've had no response from them.

 

Should I contact them asking for details or leave it be?

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not your problem its theirs

 

if you filed or whatever it is in NI our SB defence

then its for them to prove its NOT SB'D

 

not for you to have to prove it is.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 months later...

hows this running now?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi DX, sorry to say this is still ongoing.

 

 

I got a letter from the solicitors at the end of October replying to my request for Further and Better particular's referring me to an amended Civil Bill then

 

 

last week I got a letter notifying me of a change of solicitor although it is the same solicitor, address and telephone number just a different company name.

 

I've been reading all the CC rules but can't find where I go next except wait for a court date.

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surely if you filed a defence,

this is now way passed 33 days

 

 

so whatever the equivalent is in NI to a claim being now stayed as in England & wales?

must have kicked in?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Almost a year since this started and it's still ongoing.

 

I've received a letter from the Court stating the case is up for review on the 30th of March as the plaintiffs have failed to file a motion to proceed within 6 months.

 

It states I don't have to be there but I might attend to hear the result rather than wait for a letter.

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Yes I would good move!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Update....

I went to the court this morning expecting to attend the review only to find that the solicitors lodged their certificate of readiness yesterday and it's now with the court for a hearing date to be set.

 

 

Came home and found a letter from the solicitor stating the same and asking if I had any sensible suggestions for a resolution to contact them.

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