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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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New Cancellation Rights


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2.1 This instrument implements most provisions of the EU Consumer Rights Directive (the remaining provisions are implemented

in the Consumer Rights (Payment Surcharges) Regulations 2012 and the Enterprise Act 2002 (Part 8 EU Infringements) Order 2013). It will ensure that consumers and traders are clear about the bargain they are making in three main areas: information which traders should provide to consumers; cancellation rightsand responsibilities; and measures to prevent hidden costs. Together with the draft ConsumerRights Bill, these reforms constitute a fundamental reform of UK consumer rights, which will contribute to markets working more effectively, thereby driving economic growth.

http://www.legislation.gov.uk/uksi/2013/3134/pdfs/uksiem_20133134_en.pdf

 

http://www.legislation.gov.uk/uksi/2013/3134/schedule/4/paragraph/2/made

 

 

On the 13 June 2014 the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 SI 2013 No. 3134 will come into force. Go to Regulations (pdf 360 kb)

These regulations will apply to contracts concluded on or after 13 June 2014. On this date, the Distance Selling Regulations 2000 and the Off Premises (Doorstep) Regulations 2008 will be revoked.

Where goods received are faulty or not fit for purpose or as described, consumers have different rights which are covered by separate legislation. Go to our webpage Consumer Rights Bill

 

http://www.newcastle.gov.uk/business/trading-standards/fair-trading/guidance-cancellation-rights-consumer-contracts

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/266525/bis-13-1368-consumer-contracts-information-cancellation-and-additional-payments-regulations-guidance.pdf

 

The Consumer Contracts (Information

Cancellation and Additional Charges) Regulations

2013 (Regulations) cover on-premises, off-

premises and distance trader to consumer

contracts subject to certain exceptions. This

includes auctions (although there are no

cancellation rights in relation to public auctions)

and contracts for social services and healthcare

(which are not covered by the Consumer Rights

Directive (CRD)). They implement the bulk

of the CRD and will supersede the Consumer

Protection (Distance Selling) Regulations

2000 and the Cancellation of Contracts made

in a Consumer’s Home or Place of Work etc.

Regulations 2008. The superseded legislation

will still be relevant in respect of any contracts

concluded prior to the Regulations coming into

force.

http://www.taylorwessing.com/fileadmin/files/docs/Consumer-Contracts-Regulations-2013.pdf

 

  • The Regulations replace the Consumer Protection (Distance Selling) Regulations 2000 (the "DSR") and the Cancellation of Contracts made in a Consumer's Home or Place of Work etc Regulations 2008.

 

  • The Regulations extend the period from when a consumer can voluntarily withdraw from a contract (the "cooling-off period") from 7 working days to 14 calendar days. The Regulations also amend the point at which the cooling-off period commences for contracts for the sale of goods, and the maximum duration to which the cooling-off period may be extended in lieu of the trader meeting its obligation to notify the consumer of their cancellation right.

 

  • The Regulations amend the timeframes around the provision of refunds, and provide that consumers will generally be required to return goods (or otherwise evidence such return) in order to receive a refund.

 

  • For online services contracts, the Regulations require the consumer to make an express request before the trader can commence services during the cooling-off period, and amend the rules around the consumer waiving his or her withdrawal right during such period. There are also provisions allowing traders to be paid on a pro-rated basis if services are provided, and subsequently cancelled, during the cooling-off period.

https://www.twobirds.com/en/news/articles/2013/uk/new-consumer-protection-rules-adopted-in-the-uk

 

Cancellation Rights for distance and off-premises contracts

Length of cooling off period -

The cooling off period during which consumers can

cancel orders for digital content, goods or services will now be 14 calendar days.

Currently, the cancellation period is 7 working days for distance sale contracts and 7

calendar days for doorstep sales contracts.

For contracts for the sale of goods, the cooling off period ends 14 calendar days after

the day on which the goods are delivered. If the goods are delivered in several

instalments then it will be 14 days from receipt of the last instalment.

For contracts for the sale of digital content (which is not on disk or another tangible

medium), the cooling off period ends 14 calendar days after the day on which the

contract is entered into.

For contracts for the sale of services, the cooling off period ends 14 calendar days

after the day on which the contract is entered into unless the consumer has expressly

requested that the services commence before then and has waived his cancellation

right.

Standard cancellation form

– The Regulations contain a model cancellation form

which can be used to notify consumers of their right to cancel before they enter into

distance or off-premises contracts, but a trader can use its own wording if it chooses

provided such wording is clear.

 

http://www.stevens-bolton.com/uploads/changes-to-consumer-law-in-the-uk.pdf

 

Inertia selling

The Regulations protect consumers from unsolicited sales and additional charges

which have not been agreed in advance.

In such cases, the consumer is not required to pay for the unsolicited supply of

products. Similarly, the consumer is not required to pay additional charges unless he

gave express consent to such charges before the contract was concluded.

Helpline charges

Where a trader offers consumers a helpline for queries concerning goods, services

and/or digital content which the consumer has purchased, calls to such helpline by the

consumer must only be charged for at the basic rate.

http://www.stevens-bolton.com/uploads/changes-to-consumer-law-in-the-uk.pdf
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