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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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Anyone know anything about Car Cash Point Ltd


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Hi I stupidly took out a log book loan with this company in June.

 

Unfortunately due to my financial situation have recently fallen behind in my payments by approx £900 (the original loan was £4500)

I have been in regular contact with them via e mail & asked if they could change my weekly repayments & let me pay off the arrears £100 per month

but they would only reduce it by £10 a week which didn't help much.

 

I have now been told that the matter has been sent to there DCA company.

 

I have emailed them to say I can pay some of it on the 20th Dec & asked for a final settlement figure.

 

I received an e mail this evening to say unless I pay tonight they can no longer help me & gave no settlement figure.

 

I'm really worried as I can't work without my car and therfore could lose everything also my husband doesn't know about the loan and would hit the roof.

 

What should I do next?

 

will the DCA company let me come to an arrangement or will they just turn up & take my car?

 

help & advice would be very much appreciated as I'm not sure what to do next.

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Hi and welcome to CAG.

 

Not my ball game unfortunately but I will flag this up to the team and see if someone can help.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi thanks for the info

I haven't had a chance to go through it properly yet but I will tomorrow.

 

They have sent me a settlement figure which includes a £300 from them a £310 fee from a company called burlingtons & a £60 storage fee!!

 

Over £5000 in all

 

has anyone dealt with burlingtons?

 

I have asked car cash point to give me until tues to pay the arrears

 

they refused I also e mailed burlingtons asking what the procedure was once instructed.

 

I am so so stressed & worried that they will just arrive & take the car at any time.

 

Please help the more info I have the better thanks

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Hi I posted on here over the weekend as I was about to lose my car through a log book loan with Car Cash Point.

I had got myself into some financial problems & had arrears over £800.

 

I had been in contact with them via e mail but was too scared to phone them face to face especially after reading all the horror stories about other log book loan companies.

 

However Mr Paul Hilburn contacted me this morning & couldn't have been more helpful.

 

I was very stressed & quite upset about the very stupid situation I had got myself in & didn't know which way to turn.

 

At the end of the day I had borrowed the money & they were perfectly within their rights to take the car,

however Paul was amazing & they have put together a new repayment plan for me which is now affordable.

 

All I can say is not all log book loan companies are the same & they definately deserve their number 1 title.

 

They were very understanding and I just wished I had contacted them earlier.

 

I can now look forward to a very merry Christmas

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thats good news

 

i sincerely hope you are not however going to pay any unlawful late charges etc

there is no legal remit to allow these to be levied

 

 

 

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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  • 2 months later...

I posted on here last week regarding a problem i was having with Car Cash Point (cant find it now), but i just want to update the situation.

 

The next day i got to speak to Paul Hilden of CCP and explained to him what was going on. He said he would look into it and try and find out if there was anyway he could help.

 

Within an hour Paul rang me back and proposed a solution that was very much acceptable to me and due the misunderstanding made a reasonable concession on my account.

 

The moral of the story is, although CCP are a company out to make money..................if you do fall into financial difficulties, speak to Paul before panicking. Like most companies if they can help, they will.

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Worries me when people take out Logbook Loans. These guys are in the business of ripping people off, I've studied this kind of loan fairly extensively recently and its clear that 99% of them are very unforgiving when it comes to trying to help you get out of the debt because at the end of the day, they have your car as leverage. Just take a look on Google for all the lawsuits filed against Logbook Loan companies recently.

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  • 5 months later...
  • 4 years later...

yes the staff are nice when you take out the loan

promise you the world

paul is nice at 1st then as soon as you want anything its a no or unlawful charges

avoid at all cost if you can

 

took a 6000 loan after paying 10 months i decided to pay the loan off managed to get another loan to pay them

 

i got a loan with 1500 intrest ontop yes high but mutch better off paying 7158.46 and get rid off them

I paid 480 a month for a 6000 loan

i paid this for 10 months i asked for settlement figure

 

and after paying them 5700 in total the loan only went down to £5,658.46 for loan of 6000

so thats 341.54 off the loan and 5659 to them in intrest

 

avoid at all cost

 

very easy to get loan THINK THINK THINK before taking it

 

once you accept it unless you can pay it back very fast intrest is stupid no way out i would of paid back £28800.00 over the period of the loan

 

also if you are in the position to settle and get these robbers off your back

 

BEWARE BEWARE BEWRE early settlement charge in small print 480 if you decide to settle early

 

and once you decide to settle and say good riddens

they are not happy and VERY VERY RUDE total different from the start.

 

my advise to anyone thinking of getting a loan

before taking out this option shop around there are lots of other companies better than them

 

also check the reviews on other site then you get to see the real carcashpoint reviews

 

and they delete bad reviews

 

p.s AVOID on all occasions!!!!!!!

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