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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
    • 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.
    • 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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A breeder's guide to buying a kitten


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I have bred pedigree cats for over four decades and it breaks my heart every time I see someone taken for a ride when buying a pedigree kitten. The aim of this thread is to demystify the whole process, to let you know what we breeders do so you know what to look for beyond the obvious clean eyes, flea free coats, and only one litter a year stuff you already know to ask.

 

There's nothing special or magic about a breeder. Anyone can be a breeder and with cats it's quite normal for a breeding girl to be kept as any pet cat would be. What makes us different to a pet owner who simply doesn't bother to get their cat spayed/neutered is a passion for a particular breed partnered with acceptance of a set of rules and recommendations set by our chosen registry. By far the biggest in the UK is the Governing Council of the Cat Fancy (GCCF). Breeders can and do register kittens with others eg The International Cat Association (TICA) and the Federation Internationale Feline (FIFe). None is in any way better or worse but throughout I'll use the GCCF for links and examples because I understand them the best and know where to look on the website. None of them are statutory bodies but they have become accepted as a benchmark of proof that the kitten you buy is a pedigree. That's what a registry is, a database carrying details of every pedigree kitten ever bred by breeders who choose to belong to that particular 'club'.

 

So how do you become a member of that mysterious club? You join a cat club which is affiliated. There are specialist breed clubs (sometimes more than one for a breed) and there are area clubs eg the Suffolk & Norfolk Cat Club. Membership will cost you less than a tenner a year in most cases. Once you've paid this princely sum you can apply to the GCCF for your 'prefix' - a name unique to you within that registry which nobody else can use. All you need to get this prefix is the signature of a breed or area club secretary confirming your membership and a fee of £75. Many then feel having a GCCF prefix means they can refer to themselves as 'registered breeders'. It's meaningless. It's nothing more than a word they have chosen to identify themselves and their cats. No checks are done. You don't even have to own a cat.

 

What's the lesson to be learned from this? Ask your breeder if they are a current member of a cat club. It's the clubs which make policy on any given breed, recommend various health tests and disseminate information to breeders so the true enthusiast won't have joined for just a single year in order to call themselves a 'registered breeder' and don't be fooled by the term. It definitely doesn't mean the breeder is experienced or knowledgeable. There are plenty of wonderful breeders who never bothered with a prefix and plenty of bad ones who paid the money for one. In between there's the vast majority of us who are prefix holders but don't claim it makes us anything special - because it doesn't.

 

One of the safest places to find a breeder is the breed club lists. Everyone listed will at least be current members. Just google your chosen breed followed by 'breed club' or 'cat club'. There are some lovely breeders who choose not to be members of a club but you need to know what you're looking for - hence this thread.

 

OK, so you've found a breeder and they have kittens available soon(ish). Don't expect a pedigree kitten to be available straight away. You may just hit lucky, it does happen that there's a kitten not booked by 13 weeks old but it isn't the norm. What would you need to check?

 

Well first of all have a look at adverts to get an idea of the price you'd expect to pay. Sites like pets4homes show prices so you can get a good idea of the range. If one person is asking £1000 when everyone else is sticking to the more normal £400 - £600 range you need to ask why. It tends to be the con artists who ask the most.

 

If they claim to be a prefix holder you can check here that the prefix is indeed registered with the GCCF

 

http://www.gccfcats.org/Portals/0/PrefixesAtoM.pdf

 

http://www.gccfcats.org/Portals/0/PrefixesNtoZ.pdf

 

and if it is that must at least mean the breeder has not been the subject of any complaints or disciplinary action, right? Wrong, so wrong. Once paid for that prefix is for life and cannot be taken away. The GCCF can (and do) suspend members and won't then allow them to register kittens but they can't remove that prefix from the list. The next check you need to do is here

 

http://www.gccfcats.org/About-GCCF/Suspension-List

 

The lists aren't that long because for minor offences it works a bit like a CCJ - pay the fine without delay and your name doesn't hit the list. I know perfectly nice breeders who have been there, myself included. A mistake in filling out a show entry form cost me £50. It's in the rules I signed up for that you get it right so I accepted the slap on the wrist and paid up. You don't get off that easily if you are found guilty of knowingly selling a sick kitten or the like so it's a list worth checking. It's still worth a look if your breeder says they use one of the other registries. It isn't unheard of for a breeder to migrate if they're on a disciplinary list for one and there are no checks in place between the different registries.

 

Done all that and we've made an appointment to visit the breeder. You must visit the breeder and see those kittens before you commit to buy. I'll say it again - you must visit. Do not be talked paying a deposit to secure a kitten you've never seen. Before you go check if there are any required health tests for your chosen breed. The GCCF website has a page with every breed of cat they recognise.

 

http://www.gccfcats.org/Cat-Breeds

 

Click on your chosen breed and scroll down to the section on health where you'll find the information. As an example we'll take the Persian because most people know what that is and among other information this is what you'll see

.................... Persians can carry a gene that leads to kidney failure (calledautosomal dominant polycystic kidney disease) through the development of cysts in the kidney. This condition was found in more than a third of all Persian and Exotic shorthaired cats in the 1990s when screening tests became available. Using DNA screening, breeders are now working to try to eradicate the problem – always ask the breeder to show the PKD certificates for the cats used to produce your kitten ............................................

How many hopeful Persian kitten buyers do you suppose insist on seeing PKD certificates? I'm pretty confident the answer is not enough! Arm yourself with the information and be prepared to walk away if you don't get the answers you want.

 

Ask what other paperwork you'll get.

 

You should expect a pedigree certificate complete with the registration numbers of every cat for at least the last three generations. This is constructed by the breeder, many of us use specialist software these days. Anyone can make one up - it's those all important registration numbers, unique to each cat, which can be checked and verified. Without them it's a worthless piece of paper.

 

You should also get a vaccination certificate, signed by a vet, showing your kitten has had a course of two vaccinations, three weeks apart.

 

Every breeder I know insures kittens for new owners. The two main players in this are Petplan and Agria. I know Petplan cover for 4 weeks, Agria may do for a little longer because they are trying to break the Petplan stronghold. There's no excuse, no possible reason for a kitten to leave a breeder without that cover.

 

And then that all important registration document. It's a pretty insignificant looking card but this is your real proof of pedigree. It's actually a transfer certificate with the space to fill in your details if you wish to transfer the kitten into your ownership according to the GCCF. It is nothing to do with legal ownership and unnecessary for pet owners, it's only an internal administrative move and of course will involve paying the GCCF a further fee.

 

The GCCF runs two registers, active and non-active. Breeders only place kittens intended for breeding on the active register and the GCCF will not register the progeny of cats on the non-active register. If a breeder is telling you the parents are registered pedigrees but is making any excuse for not registering the kittens then ask to see the parents' registration certificates(not the pedigree certificates) and check for 'active' status. If they're non-active or the breeder won't show you the documents then walk away. Those parents won't have been subject to any of the proper health tests if they aren't on the active register and shouldn't be bred from.

 

Don't be conned into paying a much higher price if you want the 'papers'. Registration costs £9/kitten, it's the smallest breeding expense by many a country mile, so there's not a reason on this earth for asking a buyer to pay an extra £100+ as I've seen on some adverts - except maybe to put you off asking all those awkward questions. The price without documentation may seem a bargain but would you pay it for a barn born kitten off the local farm? Unregistered kittens are no different to the local litter of non pedigrees with no proof of parentage, delightful to have but they shouldn't cost hundreds of pounds.

 

Remember most breeders are ordinary people with a passion for their breed, it's the con artists who can spin a good tale, have all the excuses and will try to convince you that there's someone else coming later who will take this last kitten if you don't make a decision NOW. Whatever they say, there will always be another kitten and if you know what to look for you will find the one you deserve.

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Excellent post hightail

 

As suggested on another thread by Bankfodder..I will sticky this as guidance for others.

 

Regards

 

Andy

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  • 3 weeks later...

Fascinating, thank you for that information.

 

 

I did breed highland 'mogs', as my avatar shows, but having had over 30 pet cats 'disappeared' in the past 18 years, by the surrounding shooting estate keepers ( although I cannot prove that ) I have had to stop. I have a single house cat, that I cannot allow out, because he will be slaughtered !

 

Sadly the police will not even take a note of the 'disappearances', so there is no record of how just many pet cats are killed locally, but there are few cats older than a couple of years.

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