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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?
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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
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    • 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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Shop Direct Charges Reclaim - Seeking Advice


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Recommended Posts

Just thought I'd take the time to update the thread.

 

In regards to the unlawful charges by Shop Direct,

I wrote to the ICO who advised that the FOS had to adjudge the charges as unlawful before they would consider my complaint or that I could issue proceedings under the DPA should that not be successful.

I am currently waiting for a reply from the FOS though before taking any legal action.

 

I have started managing by DMP myself now and have made offers to the remaining creditors, some of which have been successful.

 

In regards to the NCO & Robson Way accounts

I have done CCA requests of which the 12 + 2 days is up today.

 

I have received acknowledgment letters from them

however I have not received any of the documents requested.

 

Is there anything else I should be doing now the time limit is up or should I just let it run its course.

 

I believe on of the accounts is dated post April 2007 and one is dated pre April 2007.

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I wouldn't be blindly paying anyone without an enforceable CCA return.

those that have failed to comply

one option is to cease payment.

 

 

DONT enter into any pointless letter tennis either

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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  • 1 month later...

Good morning - I am posting further to the response I have received back from the FOS, who have confirmed that they are not willing to uphold my complaint regarding Shop Direct’s (SD) unlawful charges.

 

I think I am going to have to issue court proceedings in order to have the closure date on the account updated on my credit file. In my conversations with the ICO they confirmed I would be able to bring about an action under the DPA, however I am not sure how I would go about this as SD have refunded the monies I don't think I can issue proceedings in the usual manner as I am not claiming for any outstanding monies, I do however intend to claim for any costs I occur in the issuing of court proceedings.

 

Please could someone point me in the right direction in order that I can being about an action?

 

 

Many thanks

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Brillaint thanks that is just what I was looking for. I have already issued an LBA on this matter however do you think I should go through the initial letter/LBA process again as I believe my original letters were silent in relation to the DPA?

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  • 2 weeks later...

I ended up starting the whole process again with Shop Direct this time just refering to the DPA, the 14 day letter is up tomorrow so I will issue the LBA then,

 

I am fully expecting that I will need to issue Court Proceedings so I note from VCS v Philip that nominal damages of £250 were awarded so is that the figure I should claim for, should I have to issue proceedings or is that just something that the Court would consider if it gets to a hearing?

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you claim for the full charges @ CI not just damages but use that tact.

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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I am planning on sending the LBA to SD today, as SD have already refunded the charges as a GOGW please could someone advise if I am still able to claim for the charges or should I just refer to the DPA in order to that the closure date on the account is updated?

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  • 2 weeks later...

I have finally heard back from SD with a letter dated 3 March 2017 to my latest address

(curious considering I didn't advise them of a change of address until my letter of 14 March 2017!).

 

It appears that it is an attempt to delay matters,

they are asking for identification from me in order that they can correspond with my at my new address.

 

 

As mentioned above I sent them a signed letter on 14 March confirming that I have changed my address so I do not beleive any further evidence is required. Just wondering what my next steps should be?

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ctax bill

 

 

I take it this is to do with your charges reclaim?

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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I think I'll have to send my driving licence as I don't have a ctax bill. Yes to do with the charges although they have been refunded so I just want the account removed from my record.

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water bill lekky bill

cant see what a dl provides them they dont

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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  • 2 weeks later...

I have not heard anything back from Shop Direct even after allowing an additional weeks grace period.

 

 

I need to go ahead and issue proceedings,

 

 

is there any guidance anywhere on how this should be done?

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  • 1 month later...

Hi all

- I have had a claim issued now

 

however I forgot to put the account number in the Particulars of Claim

SD have raised issue with that.

 

I have spoken to the Court and they have advised it will be £100 to apply to have the POC amended.

 

Just wondering if there is any need to do so though as it is clear from all the evidence I have which account number this case is relating too,

if I supply all that it will satisfy the Court.

 

The Court has also suggested mediation

is it worthwhile doing that or should I just go stright to a hearing?

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AFAIK, you should always accept mediation, but hold fire for others to confirm/deny first.

 

DON'T give them ANY wriggle room, if they have already questioned the claim due to missing info the correct it. It may well be £100 well worth spent, and don't forget it is added to your claim anyway.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK thanks the Court papers say mediation is volunatary - I'll go through that first though to demonstrate that I am co-operative I think. I will go ahead and get the claim amended too - thanks for your help.

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you can add the account number to your witness statement unless they are claiming that they cannot identify you by their vigorous credit checking and vetting procedures

so cant possibly have charged you anything in the first place.

 

 

Hi all

- I have had a claim issued now

 

however I forgot to put the account number in the Particulars of Claim

SD have raised issue with that.

 

I have spoken to the Court and they have advised it will be £100 to apply to have the POC amended.

 

Just wondering if there is any need to do so though as it is clear from all the evidence I have which account number this case is relating too,

if I supply all that it will satisfy the Court.

 

The Court has also suggested mediation

is it worthwhile doing that or should I just go stright to a hearing?

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OK great thanks,

 

 

in the Defence they have filed

they have acknowledged that I have held three accounts with them in the past so there is no issue here in regards to identification.

 

 

I'll make sure the account number is in the Witness Statement,

I'll also put it in my letter when I serve a copy of the Directions Questionaire on them.

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