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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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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Safeloans Ltd v me. Apparently


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Hello all and good evening.

 

I had an email in my spam folder to an email that they never had been given.

 

The email was sitting in my spam folder. I had a loan with these fools years ago in 2009 and as far as I was concerned thishad been settled. Three years later they come to me telling me I owe them over 500.00. The start of the email is Safeloans ltd v me. **** bags. I had not changed address so why did they leave it sooooo long to contact me? What are they up to?

 

Any advice most welcome.

 

Many thanks

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Hi, phillyg.

 

I've moved this thread to the PDL Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Is it the same as the account number you had with them?

 

You could write to them if your really worried but I would just ignore it.

 

Also does th email have any personal information on it, your details, account info?

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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Send them the prove it letter from the library on this site. Dont chase it up.

 

Itsnup to them to get the correct info. Chances are theyre fishing for a cash cow.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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All they have said in the email is if i don't make a token payment of 20.00 they will issue court proceedings. They are giving me till the 26th may. They have also given two payment plan offers. Why would they leave it so late? Also why have they not sent letter previous to this to my home address?

 

The email also does not state any dates as to when the debt was from.

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I do not even know the account number that was used at the time so I would not even know. The bank I also used at the time had also been closed down. They will have a hard job to get anything from me as I have nothing to give. I am in receipt of dla and esa and everything is always tight already.

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Stop worrying and send them the prove if letter. As for your email, pdls are known for sharing your details.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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OK I have had a chance to view my experian credit report and nothing makes any sense with the inputs from Safeloans.

 

There are six inputs on my credit file and it states that I had settled four of them in 2010 all on the same date!!!! There is another one that is states defaulted on 24/05/2010 and another that shows my account showing three payments late dated 27/08/2009.

 

Now here is the confusion.... All of the four previous are showing as settled and the date is exactly the same 18/10/2011 on all four. I never made any payments in 2011 as the last loan I had from them was in 2009.

 

The letter that I received from Safeloans states I owe roughly £520.00 and looking at the credit file it states I am in default by £446 and the three payments late showing states £303.00 which gives a total of £749.00.

 

Can anyone make any sense of this or am I just thick?

 

It looks as though they are cooking the books. The settled inputs on experian from them are dated after the default date!!! They are (Edit)

 

Any help please.

Edited by maroondevo52
Removed unsuitable wording.
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If you have multiple entries for the same debt, at the same time/date, give the CRA a call and they can investigate for you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hello all and good evening.

 

Just to let you know I decided to contact Safeloans Ltd so I sent a few emails over the last two days and stated I hold no acknowledgement of this debt and for all correspondence to cease.

 

I also wanted my credit file amended with Safeloans Ltd details.

 

I received an email today advising me as of immediate effect the alleged debt is to be wiped and experian have been contacted to clear the information from file.

 

Good day really.

 

Don't give up just persevere.

 

Good luck

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