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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.
    • 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   -----------------------------------
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Keeping livestock (sheep) for own consumption?


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I live in a rented house in rural Scotland and my girlfriend lives in a rented house just short of a mile away. She has an eight acre field attached to her house in which she keeps her horses. When I mentioned in passing that lamb was my favourite meat, I playfully suggested keeping a few sheep and, although she is a vegetarian, said she thought it would be a good idea. She has worked with horses for almost 40 years and says that they are good companions and one of her horses particularly likes having sheep around. There are sheep and cattle in nearby but not adjacent fields and poultry in a run in the same field.

 

The question is, what are the laws and regulations about keeping livestock for one's own consumption? I know that EU rules have nailed down virtually all traditional farming methods.

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  • 1 month later...

I am sorry to be so slow in replying Geronimo. :-( I missed this somehow.

 

The best way to go about it is to go to a farmers market and buy a couple of oprhaned lambs in spring time. You'll have to bottle feed them for a bit untill they can cope on their own. As long as your girlfriend's land isn't regestered for 'Single Farm Payment' you'll have no problems. Many small rural butchers do a 'At home' service.

The biggest problem I can see is if your girlfriend gets involved in the feeding you might be stuck with a couple of pets!!!!!

 

Lex

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Hello there.

 

Have you looked at the DEFRA website to see if there are any rules? I don't know if there are concessions for small flocks.

 

I agree with Mr Lex about the pet thing. I'm fish-etarian and I couldn't live with animals being reared for food.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thanks for the replies - I had forgotten about the question so it was a bit of a surprise to get the notification e-mail especially as my girlfriend just happened to be sitting next to me having called round with a computer problem.

 

I was concerned with the consequences of something like scrapie or foot and mouth and all the other boring stuff that would put me off from ever being a farmer - that's why I mentioned the livestock in nearby fields.

 

The ways around getting squeamish about eating your own livestock are not having so few that you identify closely with one or other of them and not giving them names. I have been offered a couple of my girlfriend's hens which have started uselessly laying their eggs in the woods instead of the henhouse but having named one of them Marilyn I can't bring myself to wring her neck - Sophia and Rita were had by either a buzzard or a fox and their replacements have not been officially named. I don't mind shooting rabbits with my air rifle and either eating them myself or feeding them to my girlfriend's dog or cats.

 

I'll look at the DEFRA website and the local butcher is quite friendly - so will think again about this.

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OK, having asked our Farm Manager, this is the best we can come up with!!

Get a couple of orphaned lambs from a local farmer. Rear them on. Send them off to the butcher when the farmer sends his in, no problem and no paperwork!!

 

Hope this helps,

 

Lex

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HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

OK - maybe too late, but i hope you get a chance to read this!!

 

Firstly, before you even consider purchasing livestock - cows, sheep, pigs or goats etc for your field, that field must be registered with a County Parish Holding number - CPH which is available from DEFRA or Rural Payments Agency - whichever apply to your neck of the woods. Without this CPH number you will be breaking the law by bringing livestock onto the field.

 

Once you have a CPH number, you are free to purchase livestock, wherever and however you want. You must transport them in a manner suited to their status - i.e fully grown sheep in a trailer, orphan or cade lambs can be carried in a dog crate in the boot of a car.

 

If you go down the cade route, an average cade lamb must be kept with at least 3 others (if you dont want to use artificial heat to keep them warm) or at least one other if you use a heat lamp. You must keep more than one under animal welfare as they are a flock animal that feel security in numbers.

 

Once you have the said sheep on the land, you must ring your local council and ask for animal welfare and apply for a flock number. this is an individual number to you, and allows DEFRA to contact you in the event of any animal disease outbreak.

 

If you intend to slaughter the animal before its 12 months old, it requires one ear tag, which has to be fitted before you move it from its holding of birth, so in all fairness, this should already have been done for you. If you retain them for breeding, then the single tag must be replaced with a pair of RED (to indicate replacement) Electronic ID Tags.

 

When feeding cade lambs, they will require around 500ml of milk, at least four times a day, no need to feed after dark as they will sleep in the shed. They must have access to water and hay and will take hay from around 2 weeks old, but not be fully weaned until around 10 weeks. when weaned, feed them on starter pellets and allow access to the great outdoors, making sure they have adequate cover from rain and wind whilst outside.

 

DO NOT use cows milk replacer for sheep - its a lot cheaper but also contains copper which is toxic to lambs, fine for goats however.

 

When it comes to slaughtering them, you can perform a home slaughter, as long as all the meat arising from the slaughter is for your consumption only, and not given, traded or sold to anyone not directly resident in your house. If in doubt, take them to a registered abatoir, where for around a £10 each, they will slaughter them and provide you with a stamp on the carcass to prove it has been inspected and safe to eat. If you slaughter at home, you also have to follow certain rules and regulations regarding the disposal of blood, offal and organs you do not intend to eat - best to ring environmental health at the council for the specifics for your area.

 

If you are unfortunate to have a lamb die on you before you intended it, you are not allowed to bury it, it must go to a registered incineration plant and you will be asked to provide proof by DEFRA as you have to keep a flock book for 6 years showing what came and went from your field, and what medications etc they received during their lives

 

It all sounds too much, but its quite easy really, especially with only a couple of sheep - we raise around 40 - 50 cades every year, expecting to pay around £12 each for them from market and when they go off to market in the autumn we realise around 80 - 90£ each for them. they do make a profit!!

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Thank you for the comprehensive guide.

 

The practical stuff is interesting but unfortunately the bureaucracy conflicts so much with the philosophy behind the plan, i.e. to live outside the matrix, that I can't realistically see it happening. At least until the SHTF and all the DEFRA officials have more pressing things to occupy themselves.

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Geronimo

 

The red tape isnt that bad once you get used to it. In theory, the trouble you might fall into is once a year you need to return a "census" of your animals, which basically you photocopy your flock book and fire that over to them.

 

All they are really worried is that any coming and goings are accounted for. So, in ours for example, we record births , deaths and home slaughters. As for what happens to the arisings from the home slaughter - unless they are there on the day you do it, we just record "disposed off in accordance with regulations" the fact that you have probably fed the offal and bones to the dog, the sheepskins you have probably utilised yourself so really its only the head that needs to be disposed of properly, and a few wraps of a carrier bag and it goes off to the tip or you could find a secluded part of your holding and bury it!

 

Of course, this is all now illegal and do not follow my advice of course.......

 

If you just want a couple of sheep for the freezer, why not register a holding number - DONT put anything on the land, and just go to a market, buy some knackered sheep - usually marketed as cull ewes as they have had problems lambing this year so not wanted to breed from again - and transport them straight to an abattoir. Pick them up a day later and cut up at home? All above board and "the man" isnt on your back??

 

Not sure how it is in Scotland, but here in wales we (the collective we of the farmers and self supporters here) tend to do what we need to do to comply, but home slaughters are very common around here as are JCB's turning up in the middle of the night to bury the odd cattle carcass left over from the slaughter!

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