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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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cabot/restons claimform - old Cap1 card 'debt'


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Hi everyone,

 

Thank you for taking the time to view my post. I really hope someone can offer advice..

 

I'm going to be blunt, and please forgive me, but I've never spoken about this to anyone before.

 

nearly 5 years ago my marriage broke down,

I had to leave my family home, and close down my business.

 

I moved away from the county I lived in as I didn't have any work any more, and my sister let me live in a flat above a pub she owned.

I slipped into a deep depression that was lifted when I started to see a new lady.

 

She left me,

 

My sister helped me until she knew I would be OK. She then made me move into her home.

 

I was seen by a GP and referred to mental health services.

I was put on medication, and had a direct line to support workers.

 

Around this time I applied for a credit card.

I had nothing, and I guess (I honestly don't remember)

I thought it would make me feel good about myself.

(I had already pawned my wedding ring)

 

I made a few payments,

had to move in with mum n dad.

 

I moved to my brothers,

but I had to leave there,

moved in with an old school friend

- sofa surfing.

 

Sadly I had to move out, and was living in my car

- only for a few weeks, but it was bad enough.

 

As you can guess after a while I had stopped paying the credit card.

 

I'm not proud to say I often bury my head in the sand.

 

it's now 4 years later, and I have a job

- been working 6 months!

 

I have a flat I rent now.

Things started to look up.

 

I am now on different medication for acute depression and anxiety,

it's still there, but as i said things have been getting better.

 

My ex wife and I are on friendly terms,

and in July she is about to remortgage,

which means I should get about £40,000

- which although having a bad credit score I was hoping would help me secure a mortgage to buy my own flat and save me a small fortune in rent.

 

Until now.

 

Today I got a letter from nottingham county court telling me I have a debt of £1550, plus costs with a company called restons solicitors

- they are acting on behalf of Cabot who bought the debt from capital one.

 

I called the solicitors, and said can I sort out some payment plan.

 

They said the only thing I can do is pay it off in full with charges.

They were not willing to enter any payment plan, and stop the action.

 

I cannot raise the money unless I get a very high rate loan.

And I can't risk that.

 

I know lots will say it's only money - but I have just started to see sunshine, and now my only chance of ever owning my own place is fading fast.

 

I'm rambling. Sorry - You have no idea how long this has taken to write - I have deleted pages.

 

I am 49 years old, I know in 6 years noone would want to give me a mortgage.

 

Oh - I'm sorry.

 

When I told them i took the credit out during my worse mental health time the guy really seemed to sound concerned. He kept saying, but you're better now - seemed to be prompting me what to say.

 

I was wondering if any of you can advise me?

 

I'm not trying to get out of paying it at all.

I want my life on track - with a future that looks happy.

I can probably manage £50.00 per month, but it would be tight.

 

What can i do to get this stopped, or held up so i don't get a CCJ?

 

Is there anything?

 

I really am so sorry to get my point across.

 

thank you all for staying with this and reading to the end.

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hi

to allow us to have the correct info to advise you properly

 

 

please fill this out

and copy n paste the Q's it here and add you answers

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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Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED

 

Date of issue – 17 FEB 2017

 

Date to acknowledge 7th March 2017

 

 

Date to submit defence 21st March 2017

What is the claim for –

 

1.The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Capital One dated on or about Nov 30 2012 and assigned to the claimant on Sept 24 2015

 

PARTICULARS a/c no *****************84845

DATE 30/01/2017 Item Default Balance 1550.00 Post Refri Cr NIL TOTAL 1550.00

 

What is the value of the claim? 1735.00

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card

When did you enter into the original agreement before or after 2007? After

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. Cabot

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

Did you receive a Default Notice from the original creditor? No

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? I was homeless, jobless, and quite frankly was having trouble remembering even usual thing in my life and couldnt even take care of myself physically. I suppose to put it plainly I forgot (I know this is no defence)

 

What was the date of your last payment? January 2014

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 I remember speaking with stepchange just before i became properly homeless - living in my car. I cannot say for sure if it was regarding this debt, but I am over 50% sure I did.

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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

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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yes MoneyClaimOnLine

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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Share on other sites

all in post 4 already

 

 

dx

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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Share on other sites

I'm filling in the CPR31.14 now. (I done the mconline bit.)

 

On the form mentions documents mentioned in the claim. But I can't see any mention of any documents on the claim form.

 

I'm probably overlooking something obvious, but I won't carry on with the form until I'm sure of what is needed.

 

Also the form looks like it is for overdrafts; is it ok to use this form for a credit card too?

 

Sorry again - I know I take up so much of your time, and really do appreciate it.

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IN THE POC BOX....

 

 

1.The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Capital Onelink3.gif dated on or about Nov 30 2012 and assigned to the claimant on Sept 24 2015

 

PARTICULARS a/c no *****************84845

DATE 30/01/2017 Item Default Balance 1550.00 Post Refri Cr NIL TOTAL 1550.00

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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Share on other sites

I can't delete the bits of the CPR 31.14 form that are in black. Should I leave them all in? (I've tried doing it in web browser, and saved to my desktop with same result.)

 

Or is there a word version?

 

Once again sorry if you may feel I am wasting your time, the more I try the more stressed I am getting - I really want to get this right.

 

Thank you so much dx1000uk for your help so far.

 

I'm sorry - I just saw the plain text. I will copy & paste it into a word document.

 

I hate wasting your time panicking instead of calmly reading through.

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there you go easy when you think about it...

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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Share on other sites

there is a current account and a credit card cpr 31:14

make sure you are using the correct one...

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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Share on other sites

you simply copy and paste from the correct one.

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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Share on other sites

the link for the CPR 31:14 you clicked takes you to the library not the cpr directly....

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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Share on other sites

no scroll down there are TWO CPR31:14's

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.

 

Don't know if it will let me post a link, but it's the text written in this post that I have used.

 

Really must try to sleep. Please don't think I am ungrateful.

 

Many thanks

 

I saw the other one.

 

Glad to say i used the right one..

 

Phew..

 

Now to bed.

 

Night everyone, and thanks again.

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:thumb::thumb:

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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don't miss you defence filing date whatever happens

 

 

time to go read like threads now with your player

copy your thread title into the search cag box of the top red toolbar

 

 

the more you read the stronger we become.

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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Share on other sites

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