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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 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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Statute Barred or not?


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Here is a copy of a letter i recieved from bramber debt recovery, as you can see they are confirming the account is statute barred but they are saying i contacted them on 29th December 2006 saying i was aware of this debt,I cant remember saying this over the phone...They are saying that they cannot confirm the matter is closed...

what should I do?

debt letter(bramber)1.jpg

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If you haven't acknowledged this debt in WRITING or by making a payment then it IS barred and nothing they can say will unbar it.

A telephone converstaion doesn't count.

You could always call their bluff and demand a copy of the recording ;)

Be VERY careful whose advice you listen too

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To examine their letter, lets turn the tables a bit and swap positions, assume you had sent them that letter and they had said in December 2006 over the phone that they owed you.

There is 2 possibilities:

1) The debt has not been admitted or payment made within the 6 year limitation period. The debt is already statute barred before the phone call. The phone call cannot restart the limitation period because it is already barred. Would you want to tell them the truth or hope you can fool them into believing otherwise?

2) The phone call is conveniently just inside the limitation period. Knowing a phone call does not count as acknowledgement would you continue sending letters/making phone calls, or would you ensure you put the matter in court and get a formal acknowledgement and CCJ before the limitation period expired? Again would you like to make them aware that they do not have to pay?

Now you can see that they only write what they do in the hope you do not know the law. If you do reply, do it through their official complaints procedure. Should they then wish to carry on, you can go to the FOS and land them with a £400 fee.

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  • 11 years later...

Please can someone advise on a student loan taken out in 1996. can this be classed as statute barred?

I was under the impression that my student loans had previously been written off due to long term ill health for a considerable amount of time and i then never heard from them for deferment.

I have recently got back into work for the last few years and have moved house numerous times.

I have recently just received a letter in the post from Erudio and a solicitors acting for them to collect on a 7k debt for the loan taken out in 1996.

Given that i thought the loans were written off, this has caught me off guard and i am worried about it.

 

The question is: Does statute barred limitation still apply if i have changed addresses in the 6 year period?

 

They must have known where i lived, since they have posted this correspondence to me.

if someone could help i would be grateful.

 

regards

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thread is from 2007!!

 

please start a new thread

of your own

 

dx

 

thread now closed to stop newbie bumping

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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