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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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I Need some advise and guidance about shoplifting at TK Maza


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I was really worried,

I get caught for shoplifting at tkmaxxx.

 

I have given my address,

name,

phone number and

signed the banning form with exclusion list of stores for 12 months and

a letter with RLP that I need to wait to pay them a lost cost of Tkmaxx which they have gotten all the goods back worth 60 Pounds.

 

What will happen if I pay them?

 

Will there be any further problems in the future?

 

I am really ashamed of myself

 

It happened because i'm not myself that day and suffering from depression from most of everything in my life.

 

I really need some advice and help.

 

Thank you

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moved to the RLP forum.

 

you TOTALLY AND UTTERLY IGNORE RLP

they are NO BAILIFFS

 

and have

ZERO LEGAL POWERS.

no matter WHAT THEY MAY WRITE.

 

go read a few threads in this forum

you'll get the idea.

 

as for the depression

go see your GP.

 

and don't do it again:-)

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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Yeah, some people says ignored it. As it only stand to get money from us and take Advantage. There’s actually no cost for them as they get back the items which is I accidentally taken out of the Blue.

 

I was planning Too, too Many things in my head and Health issues with me. Thank you so much for your Help and I won’t Go to store’s alone and after a year unless I Need something urgent.

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Hi and welcome to CAG

 

Firstly, I would recommend that you get to the root of your actions. Have you spoken to your GP? He or she has heard all this before and knows what helps. this could be a short course of ant depressants (happy pills) are some counselling. Whatever you do, you must stop stealing now as if you did it again, the police may then get involved which will cause many more problems than this one.

 

On to TKMaxx and RLP. We have seen many threads where action has been threatened but nothing ever came from it. The security staff are paid to do exactly what they did with you. The cost of security is already factored into the price people pay at the till. There are no other costs involved. they got the goods back so no loss there.

 

When TKMaxx pass this matter on to RLP, their action ceases and they let RLP do the chasing and forget about you. When the first letter arrives it will make claims that are, at best, spurious by saying 'might, 'may', 'could' etc. RLP cannot take any action against you. They have no power to do so. All they can do is send letters. Once they have run out of letters to send, they may employ a debt collector (DCA) and they have even less power than RLP so after all this rambling, you can ignore every letter.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank you for your advice silverfox. Yes, I would definitely book an appointment at my Gp. I have been in stress and depression lately about my studies, friends, family, paper work at home office.

 

Yes, I have realised that people nowadays will just suck out you of money as long as they can. I'm just curious if they will stop sending me a letter if I pay when I recieve the letter and will completely let me off the hook???

 

Thank you for your time reading my case guys. Really honored and happy about your expertise and knowledge.

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Hello there.

 

Other people here know more than I do, but I seem to remember that paying doesn't make any difference and they could keep sending letters anyway. You're better letting the letters come until they get fed up with writing.

 

HB

Illegitimi non carborundum

 

 

 

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Obviously by paying their useless demands, the letters will stop but by doing nothing, the letters will stop-eventually. I cannot tell you what to do but I can only advise that you don't as the majority of the payment goes to RLP and the rest to the store. I did hear at one stage it was a 60/40 split in favour of RLP. Sending out one letter costs them less than 75p so why should anyone give them so much money for them to put in their back pocket and have a nice Christmas party at your expense.

 

If you want to spend your money, CAG always needs help or donate something to a favourite charity of yours. At least that is going to a good cause, not RLP's bottom line.

 

Although this case will never go to court, this is a scenario to consider. In the UK, any store is only allowed to claim the cost of goods lost and a small fee that covers the actual cost they have incurred. As they got the goods back there can be no cost there so all they could actually claim is the admin costs which would amount to less than £15. In real terms, it just isn't worth it for them to set a claim against you and everything else is bluff and bluster. Please don't fall for it.

 

Other than what I have said, the ball is in your court.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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