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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
    • 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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What happens to ET claim when Respondent is "dissolved"?


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Hi

I would really appreciate the forums suggestion with this problem. I was made unemployed in a "sham" redundancy. Immediately, I filed an ET1 claim etc, etc. The Respondents response was to close the business and file with Company's House to be removed from the Companies Register - (obviously they thought that they had a strong case against me). I applied to Companies House to have the "dissolution" put on hold until after the Employment Tribunal case. But because of a error within Companies house, my second application was lost and Respondent was allowed to be removed from the Register of Companies. Now the Respondent has asked the Tribunal to have the case dismissed. Does anybody have any suggestions about what to do next?

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But because of a error within Companies house' date=' my second application was lost and Respondent was allowed to be removed from the Register of Companies.[/quote']

 

Is Companies House not legally accountable for act/s of negligence??

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Hi

 

Whilst it may preculude the ET claim if there is no-one to identify as a defenadand. You may be able to claim some monies from the national insurance fund. Different definitions of 'going bust' exist depending on the type or organisation your employer was:

 

 

  • if your employer is a company, or a limited liability partnership, insolvency means administration, liquidation, receivership, or a voluntary arrangement with creditors
  • if your employer is an individual, insolvency means bankruptcy (sequestration in Scotland) or a voluntary arrangement with creditors

The insolvency practitioner can be called by one of the following terms depending on the type of insolvency:

 

  • administrator
  • liquidator
  • receiver
  • supervisor (of voluntary arrangement)
  • trustee (in bankruptcy)

Your rights if your employer is insolvent : Directgov - Employment

 

Now provided you were an employee at the effective date that the employer officially went into administration, then you should have satisfied the legal definition of redundancylink3.gif.

 

Redundancy happens when the job ceases to exist s.139 ERA 1996.

 

The question is, during administration when does a job 'cease to exist'

 

It would be prudent to contact the NIF (as they will be the ones paying the award), and checking what criteria they apply as regards effective dates, get advice on completing RP1 etc

 

0845 145 0004

 

Hope this helps

 

Che

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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On the other hand, according to the OP's post they were made redundant (allegedly a sham) and the employer dissolved thereafter. So the job ceased to exist before the employer dissolved, whether fairly or not. There is now no legal entity to act as the respondant, so whether the redundancy was fair or not is moot. Assuming that the OP was paid whatever redundancy payment was due (whiich I am, because they have not alleged that monies were not paid - just that the redundancy was a sham), then there is no monies owed. The OP was not an employee of the company when it went "bust" - because they have alreday stated that the company dissolved after the redundancy.

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On the other hand, according to the OP's post they were made redundant (allegedly a sham) and the employer dissolved thereafter. So the job ceased to exist before the employer dissolved,

 

Do not disagree, which is why I did say, "...provided you were an employee at the effective date that the employer officially went into administration." - which is indeed a point that may not apply here.

 

I suppose we need to ask Pennysdad what they were claiming in the ET - was it just UD or they alleging monies are owed?

 

Also there might be some mileage in a claim against Companies House if you can prove they were negligent and you have as a consequence suffered loss.

 

Think we need a bit more info Dad

 

Che

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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I don't know if this is relevant guys, and it might be covered by Elche's link. I thought there was a government fund for redundancy if an employer went bust. Is that relevant here?

 

My best, HB

 

There is. But it does not seem that redundancy or other pay is the issue. The OP said that they had lodged a claim for a "sham redundancy (I assume unfair dismissal is the claim, but it isn't clear). So it would appear also that they have been made redundant but claim it wasn't a genuine redundancy. The employer dissolved AFTER this, and after the ET1 was lodged. So there is no longer a respondant to answer the claim.

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Hi Everybody

Thanks everybody for your input, to clarify the situation. The company was dissolved after I was made "redundant" and had filed my ET1 for unfair dismissal with the Employment Tribunal. I'm really interested to know if there are any precedents for a company being restored to the Register of Companies, because of a clear mistake at Companies House? Does anybody know???? Is this loophole being widely used to escape Employment Tribunals? If so how do we "close" it????

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I think your circumstance is rather unusual. Yes, companies often dissolve in order to avoid tribunals (although not in large numbers, admittedly). But they generally get away with it because the claimant doesn't know before the company is dissolved. I have never come across a situation where Companies House have dissolved a company after objections have been made, so I couldn't say for certain whether this can be overturned. There are provisions for a court to restore a company - but it would cost you to do this, and it may not be worth throwing good money after bad. To be honest company law isn't my area, so I'm a bit (as in very) rusty on it. But even if this were to be the case - is it actually worth it. Even if the company was put back into existence, I cannot see how its assets will be recreated. And there is very little point in winning (assuming you do) to be told that there is no money to pay any award. The RPS can make SOME contrubution towards an unpaid basic award in that situation - but it may be less money than it has cost you to get the court to restore the company!

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Hi,

Please could somebody tell me what a Respondent should do with medical records once the employment tribunal case that required them is over. Are they returned to the Claimant? Or does the Respondent keep them? If the Respondent does keep them is the Respondent responsible for their safe keeping? Is it proper for the Claimant to ask for their return?

I would be interested to hear from anybody else who has had to hand over their medical records at the request of an Employment Tribunal.

Thanks in advance:?:

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Is the Respondent represented (by a legal firm)? If so, what will happen is that their file, plus one copy of everything supporting (bundles, documents etc) will go into storage (secure) for six years. Anything remaining copies will be (securely) shredded.

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It does not help if you start new threads! I assune this is linked to your last enquiry? In which case I am confused, as it seems that the respondent does not exist - so how could they have asked for medical records?

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  • 2 weeks later...

First of all, sorry about posting two separate questions; I apologize for any confusion it was not deliberate on my part.

 

Secondly to put the timeline of events into perspective: At the time the medical records were given to the Respondent, the Respondent had not applied for dissolution at Companies House.

 

Whilst the medical records were in the hands of the Respondent the company was accidently removed from the Register of Companies. Since then the Respondent appointed a new legal representative, who has admitted that all the company records have been "lost".

 

I wrote and complained to the Employment Tribunal about this loss, but the Tribunal's response was less than helpful as they said there was nothing they could do. I find this amazing that an person can be instructed by the Tribunal to hand over their highly personal and confidential records to a Respondent, over can then "lose" them without any penalty or comeback.

 

Yes, I realize the documents were handed over to a corporate entity which no longer exists - but surely somebody has to be "responsible".

 

Then miraculously the Medical Records reappeared only to be used as a "bartering piece" as the Respondent sought to - only to disappear again.

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