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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
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Lloyds/Arrow NOSIA


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Hello.

 

Last week out of the blue i got a letter from Arrows saying i will get a credit card refund due to Lloyds not sending NOSIA in 2010.

They have also enclosed a DN

 

It shows a balance and payment received but no payments have been paid at all since that date.

 

As the "refund" has been paid into the Arrow account

does that now mean as no money was paid off the debt in 7 years the refund now starts the 6 year rule?

 

It says as the account is in arrears i will have to pay by the end of the year if not then debt collectors will be sent to me.

 

Is this a fishing exercise or a new tactic by these firms?

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I suppose I should know this, but what is NOSIA?

 

If you are saying that you have been refunded some money which has been paid into some existing debt, then no that won't have the effect of restarting the six years.

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Hello and welcome to CAG.

 

When exactly did YOU last pay anything to this account, with Lloyds?

 

 

 

I would say mid 2010 at the very latest.

I have got letters in past from them and the last one i think was 1 year ago offering 95% discount.

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Ha ha, well your safe, it's SB, so they're out of time.

 

Send nothing at the minute, wait and see if they start playing silly beggars.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Notice of Sum in arrears BF.... :thumb:

 

Ta

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Its because Lloyd's did not send nosai letters

So wrongly charged interest for that period

Any payment by anyone bar you does not reset the SB date

 

Send them our SB letter de conc rules

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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