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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?
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    • 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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    • 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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PRA Claimform - old MBNA stayed claim - is it SB'd now?


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sorry?

 

 

when was your last payment?

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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so the full story please

and no a claim cant be stayed by a CPR request.

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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oh i see

someone hi-jacked an old thread...

 

 

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

My question was intended as a general question without getting getting into the nitty gritty of my case.

 

 

The question quite rightly posed was focused simply on the previous post re statute of limitations without my diverting the thread with my own matter.

 

And yes Ccbc HAVE stayed the claim against me as I have tried to get the claim struck out due to non compliance with my 31.14 (something I learned on these forums ) .

 

 

My application was denied and the judges remark was "claimant to file in due course" when I have seen an identical situation to mine where the judge gave claimant ten (or so) days to file otherwise strike out.

 

 

I phoned ccbc to see if claimant has complied and they told me it is stayed.

We are now months later and nothing happening.

 

Hence trying to keep it simple hoping that if this drags on I can rely on statute of limitations.

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I've made this its own thread.

 

 

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

No I haven't changed my username . I rarely post but have gleaned extremely good info on these forums and successfully won 2 cc cases.

 

i also looking into Ppi reclaim as offset but don't know where to begin with Ppi as I just read an article here yesterday about payment breaks and not to use a Ppi reclaim company

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post here now please

 

the SB clock stops when a claimform is issued.

 

who was the claimant

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... 

Link to post
Share on other sites

no PRA are debt puchasers so its now NOTHING to do with MBNA

they sold the debt.

 

 

what about your CCA request

that's the important one CPR is a request and does not have to be complied with.

 

 

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... 

Link to post
Share on other sites

As this is now my thread I can say the claimant sent me a miniature claim form that is barely readable,

 

 

then received a further letter stating they had not completed their response to my 31.14 and presumably that is what we are waiting for.

 

 

It's quite a large claim (just under £20k).

I don't want to give specifics as I am sure both sides read these forums.

 

My CCA was responded to with the miniature agreement , the account, The assignment which I have never seen and also the default notice I have never seen

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no PRA are debt puchasers so its now NOTHING to do with MBNA

they sold the debt.

 

 

what about your CCA request

that's the important one CPR is a request and does not have to be complied with.

 

 

dx

 

I assume you put a defence in which is why the stay happened?

 

You need to get the claim discontinued for the limitations act to kick in. Pra are not to be trusted.

Any opinion I give is from personal experience .

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no they haven't complied with the CCA

we already know the MBNA application forums are not compliant as they don't hold all the prescribed terms to make it enforceable

 

 

theres really no need to hide

there are hundreds of claim threads here already regarding PRA and the large portfolio of lemon MBNA debts they bought in 2015 here.

 

 

the claim is stayed so end of the matter really unless they pay to lift it.

 

 

scan up your CCA return to ONE MULTIPAGE PDF PLEASE

follow the upload

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

My old MBNA account came back as just a signature box although it was from 2005- last sale was to arrow who I have not heard from for several years

 

I suspect you went after a strike out a little too quickly - there is a balance to be followed between giving them enough time and not letting it drag along too long.

I read of a case where someone applied for a strike out and ended up with a CCJ although no idea how that actually happened.

 

There are options which may cost you money depending on your income

 

leave it stayed

Apply for an unless order (costs money)

After an appropriate amount of time 'invite' PRA to discontinue the claim to save costs on the basis you will be applying for a strike out and costs

 

 

I will leave the decision to you and the advice to those much better than me

Any opinion I give is from personal experience .

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I think mine is from 2010, internet application, no signature.

Shall I scan up the CCA return (ie the redacted agreement) and my defence as well (redacted)?

 

Many thanks for the replies. I turned in last night.

I think mine is from 2010, internet application, no signature. But I am sure that I ticked the box for payment protection which theirs does not show.

 

 

Should I scan up both the CCA return AND the defence (both redacted of course)

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yes please to ONE multipage PDF

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

yes please to ONE multipage PDF

 

Just one final thing before i upload the agreement. I am going to upload EXACTLY as they sent me apart from redaction of my name- just to show the miniature appearance

BUT

I am also able to scan in zoomed so that it may be readable, but this may be detrimental to me. The reason why it might be good to do this is for others to see whether the correct terms are in it if the claimant tries to do the same - what do you think? Scan in zoomed as well?

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Claimants have been known to send enlarged copies when legibility has been mentioned so I really do not see any problem

 

It is however a sad state of affairs when debt purchasers trawl these forums so if you feel uncomfortable with it then don't do it.

Any opinion I give is from personal experience .

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Post stop worrying

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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