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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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Debt Collection Harassment


evensis
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Hi all,

 

Had a persistent problem with multiple debt agencies over the last 4 years in particular constantly calling my mobile phone.

 

Within a week of getting the number,

I was getting debt collection agencies calling asking for a woman (obviously the numbers previous owner) as she owed just over a couple of hundred quid.

 

I call them, tell them that they have the wrong number, they usually ignore the first time, 2nd or 3rd call usually stops the phone calls. UNTIL! :-x

 

The problem is,

these blasted debt agencies seem to sell the debt,

and I get a new debt collection agency contacting me yearly.

 

Call them, get peace and quiet for half a year or so, debt gets sold, and back to square one again!

Currently, it's PRA Group, who are enjoying literally riddling my voicemail inbox asking it to press option 1 (blocked the number on my phone).

It's also making it a pain in the backside to filter through for genuine voicemails.

 

Now to be quite frank,

I'm sick and tired of having to call these companies to get some peace and quiet.

And have not rung up the number as this will be another set of 2 or 3 phone calls to say get lost.

 

As they say, time is money, and to be quite frank, it feels like I am being harassed now.

I feel almost inclined to send in an invoice for my time dealing with this debt that has precisely nothing to do with me! :mad2:

 

It's become quite evident, that regardless of phone calls to get the debt collectors to stop calling,

this will go on as long as I have the phone number due to the industry practice of selling the debts.

 

My real question is,

what kind of recourse do I have to get these to stop?

Ultimately, this toxic asset needs to be written off before I'm left alone as far as I can tell.

 

Surely they have to have some form of an onus to prove the person they are contacting is the debtor, before contacting?

 

Any advice would be most appreciated.

 

Thanks in advance!

 

P.S. Just to add, changing my phone number is obviously the first idea, but in all fairness, why the hell should I have to?

Edited by evensis
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This is a mobile phone and a woman owned it previously to you ?

 

Andy

We could do with some help from you.

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So do you know this woman...and the debt ? its just a bit confusing...as for the DCAs....the more you ring them the more calls you get...always ignore

We could do with some help from you.

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I have no idea who the woman is (the surname sounds French at least), and no idea what the debt relates to. One of the debt agencies on the automated messages was speaking out the outstanding debt, so the only reason I know how much it is for.

 

Ahh okay, will avoid calling them!

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Ignoring them is the only option, these powerless clowns previously flipped burgers for a living.

 

Whoever your network provider is needs to be given short shrift, either get a new sim card, or get a new network provider.

 

Check your credit file also.

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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OP is a victim of number recycling where the mobile operators recycle numbers usually PAYG that have not been topped up and have been cancelled. Might be worth having a go at the Mobile Operator to demand they contact the DCA and have the number removed as the debtor was their ex customer. had something similar myself with a work mobile. First call was for a previous user of the number by Tossendales (DCA arm not bailiff)

 

Thinking laterally, you could report the DCA to ICO for DPA breach as in providing you. third party, with the previous holder's debt details.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Report PRA Group to Ofcom - they have been advised the number is no longer owned by the debtor so they should cease and desist all attempts to contact the debtor on that number.

 

Register with TPS (Google it).

 

Failing that consider changing your number and threaten your GSM provider with cancelling the contract if they give you another recycled number.

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