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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 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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When does insurance company legally become the owner of a vehicle?


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My stationary car was hit in the aftermath of an accident between two other vehicles.

Made a claim via my broker/insurance company and the car has been uplifted by them to access damage/repair etc.

 

It is probably touch and go as to it being a write-off, so just interested to know at what point the insurance company becomes the legal owners of my vehicle? Is it when they make an offer and I accept, or before then?

 

Thanks.

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when you accept the offer and they then instruct you regarding the DVLA notification. If it was before then all it would take for someone to force you to sell them something at a price they set would be for them to make that offer. Case law goes back about a century and a half so you dont have to accept the first figure they come up with

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Insurers can become legal owner when the accepted claims payment is cashed in by you. But the Insurers may register ownership, as soon as you confirm acceptance. Either could be the case.

 

Some Insurers for example seem to send out a settlement cheque saying this is the amount they are willing to pay. If you cash the cheque you are really accepting the settlement.

 

You don't have to accept the write off, but the Insurers don't have to repair the car, if they feel it should be written off simply because the work required is too much, there could be unseen problems, costs could exceed write off value etc.

 

Some people opt to take their cars back to sort out minor repairs, if a write off does not work out for them. The problem you have is the settlement would be the cars market value, less the excess, less the salvage value and possibly less any Insurance premium left to pay, if you pay monthly. It won't leave you with much.

 

If you had a responsible third party and their Insurers will accept liability, it can be easier to resolve that way. Then you have no excess deducted, no remaining premium deducted. Claiming on your own Insurance and then trying to claim back afterwards from a third party can take a long time. You end up suffering through no fault of your own making.

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  • 2 weeks later...

Thanks for the replies, appreciated. As I expected, they have written off as a Cat C. Currently in negotiations regarding their final settlement value.

 

They are very quick to send out cheques etc. and ask for V5C documents before you have even agreed to a settlement! Reasonably confident I can squeeze a little more out of them than they were offering in the first place, but we shall see... :)

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one problem is getting like for like. If you had a low mileage good conditioned car that was quite old it will cost you a damned sight more to replace then what they offer you for your car which will be the bottom end of the trade in value for a banger of the same marque. Ask them to go out and find you the same car for waht they are offering as a cash settlement.

I had that with a clai for a watch. They offered £500 for a £1000 watch so i asked them if they would pay for an identical watch if I could find one. They foolishly said yes I found one in Canada and surprise surprise they wouldnt buy it for me but did increase their cash offer to £800. Persistence pays

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