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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 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   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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Company closed, will I get my redundancy?


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I rang ACAS as I am so confused being told different things by advice on here and my HR manager in my new job

 

I haven't been told that I am being tupe'd across

 

I apologise for being confused. Thank you for advising me again

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I rang ACAS as I am so confused being told different things by advice on here and my HR manager in my new job

 

I haven't been told that I am being tupe'd across

 

I apologise for being confused. Thank you for advising me again

 

I told her that was exactly what they had said to me but was now saying that I would need to apply to HMRC so she queried whether this would be the case for her and was told that everything that was promised under the former company still stands as all staff have been tupe'd across

 

Is this right? Are they allowed legally to not pay me even though I am still technically employed?!

 

You were the one who brought up the possibility of being TUPE'd across.

 

Find out what the situation is.

Then you can get focused advice and not be confused .....

 

Either way I can't see how ACAS can help ... who did you want them to conciliate with? The insolvent company??

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Some links that may be of interest:

 

Your rights if your employer is insolvent: https://www.gov.uk/your-rights-if-your-employer-is-insolvent/overview

 

Redundancy payments: RP1 fact sheet: https://www.gov.uk/government/publications/redundancy-payments-rp1-fact-sheet

 

Employment Law and Insolvency Proceedings: https://www.insolvencydirect.bis.gov.uk/technicalmanual/Ch73-84/Chapter76/part2/part_2.htm

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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I have today received my P45 stating my leaving date of 18th May - no explanation or anything else with it, just 'here's your P45'

 

This P45 states I have been paid for 2 months this year but I only received pay for April

 

I know I will have to claim for any PILON but if the P45 says I have been paid for 2 months surely this means I should have been paid for May?

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I know I will have to claim for any PILON but if the P45 says I have been paid for 2 months surely this means I should have been paid for May?

 

You can only claim the statutory PILON from the government scheme. Haven't you already had that paid?

 

You can try and claim any unpaid non-statutory sum from the insolvent company, but given it is insolvent don't expect any more than pennies in the pound, if anything.

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I do know I can only claim from the government scheme and no I haven't claimed anything yet as still waiting on formal notification the company is actually insolvent

 

I have been paid 1 month instead of the 3 months PILON yet as I said, my P45 states I have had 2 months

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I do know I can only claim from the government scheme and no I haven't claimed anything yet as still waiting on formal notification the company is actually insolvent

 

My point was more that there are limits to what you can claim from the government scheme.

 

Good luck, I'm out.

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My point was more that there are limits to what you can claim from the government scheme.

 

Good luck, I'm out.

 

It would appear you have missed my whole point throughout all of this.

 

Thanks for wasting your time on me. You could have just not bothered rather than getting upset.

 

I am still none the wiser about my previous employers actions but please do not feel the need to respond.

You have not helped at all

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Hi all

 

Someone has just told me about this site and said it's the best place for advice

I wonder if anyone can help me please

 

The company I last worked at have just started liquidation proceedings. I was made redundant a month before this happened and so I have only received 1 months pay in lieu

My query is I've received a P45 from them but the pay to date figure states 2 months pay

They say their accountants said it's right as it's what I've earned - but I never received it and now I have to wait to see if there's any money to pay creditors who are beneficial into the continuity of the running of the business before I will get anything

Is this right?

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I'm not 100% clear what you are saying here

- are you entitled to two months pay in lieu of notice,

or are you discussing gardening leave?

 

 

It is correct that if you are no longer an employee you do not enjoy the same protection from the redundancy payments service,

and so you are a simple creditor who may get some of their money,

but quite possibly not all of it (or none of it).

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Hi

Thanks for getting back to me

I was told I would be entitled to 3 months in lieu of notice. I had only received 1 month (April) then I was told they were going into liquidation

I got my P45 of Friday and it has my leaving date as 31st May and pay to date states 2 months pay. I haven;t received 2 months money though so dont quite understand. Also the boxx said they went into liquidation on 1st June so I was wondering why I never got paid for May and why they have put i ton my P45 that I have?

Surely thats not right is it?

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You need to separate out ;

a) what pay / PILON, and

b) what (if any) redundancy you are owed.

 

How long had you had 'continuous service' there?.

 

You should work out a) and b) for both :

i) what your contract with the firm says (which you might try and claim from the liquidator, but expect 'pennies in the pound' at most), as well as

ii) what you could claim from the government statutory scheme for insolvent companies (which may be a less generous allowance that your contractual entitlement, as you only get what statute allows : but at least you should get it paid in full, unlike the remaining contractual amounts!)

 

The thread http://www.consumeractiongroup.co.uk/forum/showthread.php?477718-Company-closed-will-I-get-my-redundancy

has some useful links. (I gave up advising there, as that OP wasn't listening to the advice offered by me or another poster : but the links are still relevant!)

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Ok thanks that makes sense

 

PILON was 3 months according to my contract

Redundancy was 3 weeks (I am 43 and had just over 2 years continuous service)

 

I understand that I'm likely to get nothing from the liquidator and maybe (if I'm lucky, a little bit from the government scheme) but I am really not sure about this P45 they have issued me as the Gross Pay to Date figure is clearly incorrect. Just wonder if this legal?

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You need to work out both the PILON and redundancy for BOTH the contractual amounts and the statutory amounts.

 

Then work out if what you have had exceeds the statutory amounts : if so you can't claim it from the statutory scheme (as you've already had it........ and can't claim it twice!), as the statutory scheme is where you'll stand more chance of actually getting anything.

 

If you've already been paid the statutory amount (working it out for each for redundancy and pay/PILON) then it isn't worth claiming that amount from the statutory scheme as it'll be declined. You can then go back to trying to claim the excess from the insolvent company (if you decide it is worth the effort given the limited likelihood of success).

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Is this what you mean?

 

PILON should be 3 months @ £2500 gross = £7500

Redundancy should be 3 weeks @ £576.92 gross = £1730.76

Total = £9230.76

I've received £2500 gross

 

P45 states total pay to date £5000 gross

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You still need to look at the limits of what you can claim under the statutory scheme, at which point you may find that looking into if the PILON you received was 1 month or 2 months is irrelevant.

 

For now focus on the 'time' you are owed / were paid, rather than the 'amount'. So "1 weeks worth" or "1 months worth' and so on, rather than an amount. Then (if need be), at the end, you can convert that into amounts, bearing in mind the limits (time and amounts) of the statutory scheme .......

 

I'd suggest creating a table, something along the lines of :

(CAG text posts makes tables trickier for me, so here's a pdf of an example)

 

Then you can reassess what you can claim, and from where, and decide if it is worth it for what you are then likely to receive from that source.

CA.pdf

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Thanks for those I will have a go when I'm on a computer

 

I just don't get why they would put 2 months pay on my P45 when I've only received 1 month. Something smells fishy to me

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Thank you for the pdf Bazza I've filled it in

 

Statutory Statutory Actually Paid Actually Paid Contractual Contractual

PILON Redundancy (If paid 1 month) (if paid 2 months) PILON Redundancy

576.92 479 2500 2500 2500 576.92

x weeks x weeks 1 month 2 months x months x weeks

2 3 1 2 3 3

1153.84 1437 2500 5000 7500 1730.76

 

Calculated

Statutory PILON and Contractual PILON total £8653.84

Statutory Redundancy and Contractual Redundancy total £3167.76

 

Received

PILON £2500.00

 

Does that make sense?

 

Ooo sorry, posted before I saw your answer.

Yes I will use that when I finally get a reference number. Cant do anything until then I know.

 

From what I can make out, even just the statutory payments total £2590.84 so cannot fathom why they would put £5000 on the P45

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Thank you for the pdf Bazza I've filled it in

 

Statutory Statutory Actually Paid Actually Paid Contractual Contractual

PILON Redundancy (If paid 1 month) (if paid 2 months) PILON Redundancy

576.92 479 2500 2500 2500 576.92

x weeks x weeks 1 month 2 months x months x weeks

2 3 1 2 3 3

1153.84 1437 2500 5000 7500 1730.76

 

Calculated

Statutory PILON and Contractual PILON total £8653.84

Statutory Redundancy and Contractual Redundancy total £3167.76

 

Received

PILON £2500.00

 

Does that make sense?

 

As I said, tables are hard when posting in text on CAG. :)

 

The point you'll be able to see from that table is that your actual pay received (even 1 month or 2 months) exceeds the stat PILON (2 weeks), so no point in going for that from the stat scheme, as you'll get nowt extra.

You can still try and get it from the insolvent company, but don't hold out hope for anything at all, or more than pennies in the pound, (for contractual PILON or contractual redundancy).

 

However, if you were entitled to redundancy (had you resigned, or were you made redundant?), if you haven't been paid redundancy from the firm, you can claim that from the statutory scheme (3 weeks worth). If you get that 3 weeks worth from the scheme, you should get all that you are owed, within that scheme's limits so you don't have to risk getting pennies in the pound from the company (for that, limited, statutory sum).

 

It is easier to see what you can get, and where, from the table. You claim what you can from the statutory scheme, as it pays out (guaranteed recovery as it is government funded, but often less than your contractual entitlement as it has different, statutory, limits that can be less than your contractual entitlement), and then decide if you want to try to claim any extra you (that you are entitled to claim but only MIGHT get paid, as the company is insolvent), claiming from the company .....

 

what you haven't yet included is the limit (per week) reclaimable from the government scheme.

https://www.gov.uk/your-rights-if-your-employer-is-insolvent/claiming-money-owed-to-you

 

You've already had more than 2 weeks PILON paid, so forget about PILON from the statutory scheme. Up to you if you want to try and get something from the liquidator for any outstanding Contractual PILON.

 

If you are entitled to redundancy : claim from the stat scheme for the redundancy you can get there (£479/week x 3 weeks).

Up to you if you want to try and get something from the liquidator for any outstanding Contractual Redundancy left owing after you've recovered some from the statutory scheme.

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Yeah I pretty much gathered I would get sweet FA from the company.

Its good to know I can claim statutory notice though. Thank you for that

 

I'm worried that the figure they have put on the P45 would bugger up any claim

 

Am I focusing on this too much?

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Yeah I pretty much gathered I would get sweet FA from the company.

Its good to know I can claim statutory notice though. Thank you for that

 

You can't.

You've had more already paid to you by the company than you could claim for statutory notice. You won't get anything for statutory notice pay.

 

I phrased this previously as:

The point you'll be able to see from that table is that your actual pay received (even 1 month or 2 months) exceeds the stat PILON (2 weeks), so no point in going for that from the stat scheme, as you'll get nowt extra.

 

..........

 

You've already had more than 2 weeks PILON paid, so forget about PILON from the statutory scheme.

 

 

 

 

I'm worried that the figure they have put on the P45 would bugger up any claim

 

Am I focusing on this too much?

 

Probably.

It won't make a difference to Stat PILON : you won't get that

It won't make a difference to Stat redundancy : you should get that.

 

It might make a difference to contractual PILON but it will be at best marginal (if anything!) due to 'pennies in the pound'.

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