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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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Tesco Insurance Dispute


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My and I am in a long running dispute with Tesco Insurance. Briefly they paid out settlement funds to Carlyle Finance without my giving my son the option to agree the figure, without notifying him and without having the ownership papers to the car.

We lodged a complaint and they eventually provided a breakdown of the settlement figure which included a deduction of £900 relating to scratches to the car caused by vandels after the accident.

We disputed this figure being taken off because it clearly states in their documention that they would only take into consideration damage to the car that happened either prior to the accident or on the date of the accident.

It was only when we took the complaint to the CEO that his representative said that they were in their rights to do this because of a time lapse in making the claim.

The claim was delayed because of a dispute with Carlyle Finance which is now in the hands of the Financial Ombudsman and has been for several months. Tesco was made aware of this at the time of the claim and was povided with all documetary proof including the Police info relating to the vandalism. At no time during the claim has my son been made aware of any restrictions on his claim due to the time lapse until we sent in the complaint to the CEO.

I will point out that the car was deemed as a right-off at the time of the accident so the scrarches would not affect that outcome because they occured after the event.

I have written to the CEO to allow him time to reconsider his decision but have heard nothing and feel that we are now just being ignored.

My son has just received a letter telling him to send the ownership documentation to Tesco and that he must give them permission to dispose of the car or they will put it out on the road.

I am searching for a Solicitor who will give free advice, I really feel my son is in the right here and we are being bulied because we are vulnerable and poor.

I disabled, with only partial hearing, osteoarthritis, vertigo, atthritis and tendonitis. The car had engine problems from the start and then suffered a malfunction causing my son to run it into a small tree. We only had it two weeks and was going to go back to the Dealership because it was under warrantee but it had gone bust so we were advise to go to the Finace Company but they refused to do anything after several weeks of considering the issue. We then took the case to the Ombudsman but it has to be looked at by their Adjudicary body first. After several weeks again they did not uphold our case so it went into a queue to be looked at by the Ombudsman. Thus the time lapse for the claim, we were hoping it would not have to come to that and our rights would be upheld but that was not the case and now my son has been unfairly treated by the insurance company too. He now suffers with major anxiety problems contributed to by all this so I would really appreciate some advise to confirm where we stand legally at least with Tesco Insurance.

Thank you for your time

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If Tesco Insurers have issued their final response, saying they will not answer any further letters, then you will not get a response. You would then have to go to the FOS. The FOS will take ages (people are waiting 2 years or more in some cases).

 

Probably the legal route would be the best. I am not sure whether you qualify for legal aid.

 

See if you can get an appointment with a local solicitor. Find one with the help of this link. http://legaladviserfinder.justice.gov.uk/AdviserSearch.do

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Thank you Uncle Bulgaria, I was afraid this would be the case. We would qualify for legal aid I believe but it is difficult to find one who offers this who deals with these type of disputes. I am thinking of going to the newspaper to highlight the way my son has been treated but it would have to be me contact them because of my sons anxiety probs. It is dreadful that they are allowed to have this much power and yet we have to go to such lengths to receive fair treatment.

I will not bother with the FOS from what I have just read on this site they are biased and do not operate efficently so should be closed down in favour of a new independent and fair service.

I will check out the website you have suggested, thank you so much

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