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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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Noumidia Vs Capitalone


Noumidia
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Hi Ford

I got an email from Small Claims Telephone Mediation as both parties have filed DQ (N180) and have all requested mediation and provisional appointment time and date is on 26/02/2018.

I have not being on mediation before and don't know what to expect. Here is the copy of the email I got today.

Small Claims Telephone Mediation Service.pdf

Delegating Authority to mediate (attachment) (1).doc

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a##mediation will ask have you all the paper work requested from the claimant , if not state not suitable for mediation & pass back to the court system,. or if an offer has been put on table they will pass info from you and them and mediate between you, depends on your situation?

:mad2::-x:jaw::sad:
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  • 2 weeks later...

Simply put an offer to them in mediation that you are prepared to accept and settle without the need to proceed to trial....if they reject it.... you proceed...you have participated in mediation but it failed.

 

 

Andy

We could do with some help from you.

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If you do proceed please consider that you will have to pay a further hearing fee ...so look at what you have initially claimed...work out the interest section 69 amount plus the hearing fee and offer that as a discounted settlement amount

We could do with some help from you.

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Hi ...okay so its already cost you £410 to issue the claim...you will have to pay a hearing fee of £335.00 if it goes to allocation.....your section 69 interest is at £739.

 

So if you were prepared to settle on the initial debt amount £8k...thats a discount of £1400.00...otherwise if you win they will have to pay £9.5

We could do with some help from you.

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Fair enough...although I do not know how they reached that decision...as you are the claimant with all the necessary documents and pleadings of your case.

We could do with some help from you.

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  • 2 weeks later...

Hi

 

Here is the claim history,now is transferred to local county court

 

You submitted a claim on 08/12/2017 at 15:00:42

Your claim was issued on 11/12/2017

Capital One (Europe) plc filed an acknowledgment of service on 19/12/2017

A bar was put in place for Capital One (Europe) plc on 12/01/2018

Capital One (Europe) plc filed a defence on 12/01/2018

DQ sent to Capital One (Europe) plc on 12/01/2018

Capital One (Europe) plc filed a DQ on 30/01/2018

DQ filed on 30/01/2018

Your claim was transferred to CROYDON on 02/03/2018

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So Notice of Allocation next...this will contain the court directions (Disclosure and Witness statement exchange) and fee payment date for the hearing.

 

 

Andy

We could do with some help from you.

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  • 1 month later...

Hi

The update to the case. The claim was transferred to CROYDON on 02/03/2018, it seems the court couldn't find the particulars claim therefore,the court send mean order lettre saying " The claim remain stayed pursuant to the order dated 12/04/2018 until claimant files at court 2 copies of Particulars claim which comply with CPR16.4(1) and which is endorsed with a signed Statement of truth."

My question is

1) Do i date the POC of today date or dated when the claim was issued (11/12/2017).

2) If i put the present date do i change the amount claimed due to interest which was calculated on 11/12/2017.

Any suggestion would be helpful.

Thank you

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  • 6 months later...

Hi Everyone

Today, I received The "Notice of Allocation to the small Claim Track ( Hearing). So the hearing will take place on the 18 February at the county court at Kingston-upon-Thames. In their defence (paragraph26) they mentioned that the claim is time barred under ( Limitation Act 1980) because I did not include the act in my POC by the virtue of s32 (limitation act 1980 as per Kleiwort Benson V Lincoln City Council) for charges older than 6 years. So could I include this act in my Statement and to start preparing my court bundle.

Anyone had a case against Capitale one? Here is the attachment of their defence.

 

Thanks

Noumidia

Edited by Noumidia
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Yes you refer to s32 (limitation act 1980 as per Kleiwort Benson V Lincoln City Council) in your statement and a copy in your disclosures.

 

Andy

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No a witness statement is a particularised version of your particulars...in detail explaining your claim with reasons and supported by exhibits.

We could do with some help from you.

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Hi

Please I need help for preparing a statement of evidence. I have 3 statement of evidence copied from con summer Wiki but I don't know which one to choose and build my statement of evidence.

 

Any assistance would be very helpful

 

Noumidia

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Hi

Please I need help for preparing a statement of evidence. I have 3 statement of evidence copied from con summer Wiki but I don't know which one to choose and build my statement of evidence.

 

Any assistance would be very helpful

 

Noumidia

 

The following should give you some idea of form content layout etc.

 

 

Witness Statement BArclays reclaim.pdf

 

Andy

We could do with some help from you.

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