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    • did you submit your directions
    • 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
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Everyone

 

Earlier this week I received a letter for ARCeurope, informing me that they where trying to contact me on behalf of their client on a personnel matter. No more detail than that.

 

Then later in the week I received a letter from Arrow Global informing me that ARCeurope where now handling my account.

 

Apparently this relates to a MBNA credit card back in 2008. I have no paper work regarding this matter from either MBNA or Arrow Finance until this week.

 

Since I have no paper work regarding this should I request a copy of the original credit agreement first?

 

thanks for any thoughts.

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A fishing letter just ignore until they are more forthcoming, have you received the notice of assignment from the original creditor? Or a default notice as well? Have you checked your credit file? if not do so now, give Noddle a try it is free, then you can see if the alleged debt is actually on your credit file. do this 1st then come back to your thread with an up date.

 

Also DON'T call them and stay off of the phone don't go though the security questions, simply state you will only deal with the debt in writing. Keep a record/file with all correspondence for this debt as it will be needed at a later date. Until they give you more details you don't have to worry ok!

 

Don't start writing letters until they give you more details first, your debt may contain charges or fees or maybe there could be something wrong with it, if they write to you again and offer a discount come back here first before you deal with them. They will lie to you and get you to part with your money, maybe they are not entitled to it.

 

In the mean time can you give any further details? like when it was taken out last payment made, as much detail as you can give as this will help us give you the best advice.

 

MM

Edited by mikeymack2002

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