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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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Phone call from a debt collector


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Had a phone call today from an upset debt collector. Didnt like the way he acted on the phone , failing to do data protection for a start and he ended the phone call with we will send a doorstep collector.

 

Did 1471 , got the number and rang it back in the afternoon when i hoped they wernt there. It identified the debt collector so i sent them an email basically saying dont ring me or it will be deemed harresment, saying it was an official complaint for breaching data protection, oft guidelines and thier own code of conduct. I did the revoking the implied common law of visiting me. I made known that im complaining to others as well about their action, oft and data protection people and the code of conduct regulators.

 

Hope i havnt jumped the gun but i was really worried that they might speak to my kids who answered phone or door and give them grief. In fact if they do the trick of keep hammering on the door it will upset my kids alone. I have an ex wife that gives me enough to be hard skinned.

 

I can only assume its a debt thats been passed to them from another debt collector that i told in no uncertain terms that they cant ring me and i didnt get any of their letters they claimed to have sent. (Not my aim in life to make their job easier)

 

Any advice if they do turn up at the door?

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no legal powers at all

 

your cat has more

 

who were they?

 

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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If theyb turn up at your home (very doubtful) you don't have to answer the door or speak to them. If you do just ask them to leave and nothing more. Do not enter into a conversation with them. If they won't leave tell them they are trespacing and call the police. Who were they?

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You probably won't have anyone turn up. They are mostly self employed and don't make much of an effort. I am led to believe that they don't even get paid expenses, so if they don't live near to you, they won't waste petrol money.

 

If you have not had letters about this, then wait for them to write to you and then send the prove it letter that is in the library.

We could do with some help from you.

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I seem to remember that they chased for a relatives debt and it was very short lived i.e about 2 letters, before it was passed onto another company.

We could do with some help from you.

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Am i right in saying that without passing data protection requirements and ending the call with ill send a doorstep collector..means they have by asking for me by name and failed to do verification knowingly broken data protection rules? (as i didnt do dp verification i could have been anyone?)

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Am i right in saying that without passing data protection requirements and ending the call with ill send a doorstep collector..means they have by asking for me by name and failed to do verification knowingly broken data protection rules? (as i didnt do dp verification i could have been anyone?)

 

They have to validate atleast 3 separate bits of info to identify you, before they can release any personal data.

 

So if they released any personal data, without do the data pro checks, then yes they have breached the DPA.

 

If you read the posts of many others who have complained to the ICO, unless the breach is serious or happening all the time, they don't appear that interested.

 

Just make a note of this and make a complaint to the compliance manager of the debt company, if the debt company writes to you.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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