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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 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.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Monument SAR


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Hi Everyone

 

I have been charged by Monument £1020 on late payment and overlimit fees. My credit limit is only £250 and I owe them about £1075.

 

Last week I sent them the letter from this website requesting statements along with my £10 cheque. Yesterday I received a letter back from them giving me a spreadsheet with all the charges. They also gave me my £10 cheque back!

 

Can anyone advise what I need to do now?? Should I print off the template letter on this site, asking for the £1020 to be refunded?

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Spend some time readingthe FAQ's here and the Step by Step instructions here before you do anything else.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Thanks for your reply. I have read the template letter regarding asking for refund of charges. The only thing that I dont know is how much overdraft interest they have charged. Monument only gave me a spreadsheet detailing the date, what the charges were for eg.. overlimit and late fees and also how much this charge is eg..£24.00,

 

I have calculated all the £24.00 charges which come to £1020. Do I delete the part in the template letter regarding overdraft interest and just ask for the £1020?

 

Thanks

 

Tracy

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As this is a credit card, any reference to overdrafts does not apply.

 

Look here for a credit card letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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tracy, don't forget to add in ALL the charges, even the newer £12 ones.

Now just because OFT advised CC to drop their charges doesn't make them legal, they are still profiting from the £12 ones as well.

 

You're in for a fight with Monument. I'm currently on that road myself.

They'll offer you the difference between the older £25 charge and the newr £12 one.

Stick to your guns and time scale and we'll see them in court ;)

Be VERY careful whose advice you listen too

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Hi Guys

 

I have just sent my first letter to Monument asking for £ 1020 back. BUT I have stupidly included on the spreadsheet the interest. After reading a lot of posts, I now believe that I should have taken the interest column out. The interest amounted to £214.00 and I have included this in the letter.

 

Does anyone think this will jeopordise my claim?? :o

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is it for contractual interest , if so then it is fine to add it on in first stages of claim to credit card

claim with woolwich for £1895. offer recieved for £1412 . rejection letter sent on 05/04/07.

claim with capital one for £987 for two accounts, preliminary sent 02/04/07

still waiting for full statements for husbands capital one.

gemoney sar sent on 03/03/07. on 3 accounts. cheque cashed.

barclays bank sar sent on 03/03/07. had response and cheque returned, but still no statements.

monument sar sent 03/03/07. phone call from monument to say they are dealing with my request.

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Im not too sure... I used the spreadsheet on Moneysavingexpert and I have just looked. I have copied and pasted it below:

 

While the calculator is based on ‘statutory interest’, some people do suggest trying to claim ‘contractual interest’, i.e. the interest rate the bank charges you for lending, which compounds the interest over time (see how interest rates work article) arguing that it applies as this agreement is reciprocal. It may be worth a shot but you’re more likely to be awarded the statutory amount, hence the calculator and template letters all assume you’re claiming this.

Do you think this will be ok??????

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I have stupidly included on the spreadsheet the interest.
First of all it wasnt stupid, have you done this before? probably not!

 

I did EXACTLY what you have done, sent my request WITH the 8% added,

 

I was too eager and didnt read all the FAQ's

 

Saying that it made NO DIFFERENCE AT ALL to my claim and I got paid IN FULL today, so dont fret.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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First of all it wasnt stupid, have you done this before? probably not!

 

I did EXACTLY what you have done, sent my request WITH the 8% added,

 

I was too eager and didnt read all the FAQ's

 

Saying that it made NO DIFFERENCE AT ALL to my claim and I got paid IN FULL today, so dont fret.

 

HI Tracy, i fully agree with dar3n and dont worry. I have recieved a letter (offer)today and have posted this on my page. Hope the information is helpfull.

 

Delphi

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I sent my prelim letter to monument on the 2 April and got a reply from them today. They tell me that I should receive a reply back from them no later than the 4 May. Eh, I dont think so!

They have until this Monday before I send the LBA

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Ok, I have just received a letter from Monument today. They say that the charges of £12 do not apply, and they only owe me £936 and not £1020.

 

They have offered me £468 which I am going to decline. However, im my prelim letter I included the interest. (which I believe was wrong to do) What do I do in my LBA letter do I still include the interest???

 

Thanks

Tracy

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On the letter they have just sent to me, it states the following:

 

"Further to this, interest is applied to any outstading balance on your account at the contractual rate each month".

If they have added this onto the outstanding balance, can I not ask for it back?

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Guest Mumofthreeboys

Yes, if you know how to do it and you can argue your case should you get in front of a Judge.

 

If you want to claim overdraft interest then you need to use the Advanced spreadsheet to calculate this.

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I have printed off the letter template accepting part payment of £468 but wanting the remainder also. I shall post this tomorrow and shall keep you all posted on the outcome.

 

Can I ask, when they receive this letter but then tell me they aren't going to refund the remainder, do I then send another letter to them or do I start a court claim???

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Hi Tracy,

 

As far as i know, it is most likley that they will ignore this. I think it is a case of lba -14 days and then start court, unless they offer you the full amount you requested (charges only) within that 14 days

 

Please note i am an absoulute beginner at this and can only offer an microbal opinion that must be verified by someone with a brain.:roll:

 

I am at the same stage as you and am now considering claiming pre six year charges as i have just found out that you can.

 

 

Delphi.

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Tracy use this to refuse the offer.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

and then if you get stuck to where to go next have a read here.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

or if you need instant advice, go into the chatroom.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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  • 2 weeks later...

Hiya Folks

 

I sent my LBA to Monument aka Barclays on the 13 April. This was after them offering me a measly sum as a goodwill gesture.

 

There 14 days are up at the end of the week. Does anyone know if Barclays/monument are known for ignoring the LBA's. They have received my letter as I sent it recorded delivery.

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