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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lowell/BW Claimform- Vanquis Card - poss SBd***Claim Dismissed***


Martyn1984
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Have you not already got the court documentation...Notice of Allocation (N157) ?

We could do with some help from you.

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Unusual that the claim has not been transferred to your local county court...check with MCOL Northampton and inform them you have not received Notice of Allocation (N157).

 

They obviously received your DQ otherwise mediation would not have contacted you.

 

Andy

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Lets see what response you get from Northampton first...hopefully there has not been an error.

We could do with some help from you.

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She’s spoken to the court who didn’t actually know what was happening? Nothing further has happened since we said no to the mediation.

 

Been told they are going to look into it and call us back. At least we haven’t missed any documentation or important dates.

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as for all they've sent

as post 39.

and post 50 defence...

 

last payment by their records 28-02-2012 - hung by their own paperwork...claim date ...6th March 2018 .....statute barred

does matter what else they've sent doesn't undo SB..nothing can!!

 

await your notice of court date

 

the SB witness statement time.

 

dx

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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  • 3 weeks later...

Received the notice of allocation to the small claims track requesting witness statements and copies of documentation.

 

The letter doesn’t have a court date it states we have until 25th December at 4pm (of all days!) to provide WS and documents and once received a notice will be sent with date and time of hearing.

 

I’ve had a look about and to be honest I’m a little lost with writing the WS, as it’s statute barred what am I meant to put in a witness statement bearing in mind I don’t really have any documentation.

 

I only have copies of the PAP I returned and Royal Mail signed for receipt to prove it was signed for, same for the CPR request, they never replied to either. I have a copy of the statement with the last payment that they provided, is it worth showing that?

 

Many thanks.

 

I've had a go.... is either of these ok? I can provide copies of the signed for receipts if need be?

 

Claim No

Claimant Reference number :

Between :

And :

Witness Name and address:

 

OPTION 1

 

1. I, *** am the defendant in this claim.

 

2. I believe the alleged debt is statute barred under the provisions of the limitations act 1980 prior to the claim being issued

 

3. No payments or written acknowledgement have been made to the alleged debt since February 2012

 

4. It is my contention that the claimant must provide unequivocal proof that the debt it not statute barred.

 

OPTION 2

 

 

1. I, **** am the defendant in this claim.

 

2. I believe the alleged debt is statute barred under the provisions of the limitations act 1980 prior to the claim being issued

 

3. No payments or written acknowledgement have been made to the alleged debt since February 2012

 

4. It is my contention that the claimant must provide unequivocal proof that the debt it not statute barred.

 

5. On 24 January 2018 I received a Pre Application Protocol

 

6. I returned the completed Pre Application Protocol requesting further information; this was signed for on 18th February 2018. No response has been received and I would like the court to take this into consideration as the claimant failed to fully comply with Pre Application Protocol rules and initiated a claim within the time limits.

 

7. CCA request sent to claimant and was signed for on 19th February 2018; to date no response has been received.

 

8. CPR 31.14 request sent to BW Legal, this was signed for on 12th March 2018; to date no response has been received.

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Option 2...requires " a statement of truth "

 

Attach your evidence (receipts/CPR/CCA requests) and add " see exhibit 1/2/etc etc after points 7 & 8

 

I would also add a point 9.

 

9.It is therefore for the aforesaid reasons that the claim is denied and respectfully request the court strike out this claim.

 

Andy

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Either...and yes you can include a copy of the PaP .

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 OTHER

 

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Submit the courts on time.....hold the sols copy until you receive theirs

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 OTHER

 

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  • 3 weeks later...

Received the copy of BW Legal WS today...

 

Claiming that the default date is the cause of action and as that was 8th June its not SB'd...... we haven't replied to them or given any reason why payments were not made blah blah and ask the court to strike out our defence.

 

What now? Do we just wait for the court to send us the date and go and see what happens?

 

I’ve attached the WS received...

 

It also has all the documentation on the attachment on POST 75 but I didn't want to re upload it as our internet takes a long time to upload.

 

The final page we certainly never received and also, why did it take them from 19th Feb when they signed for the PAP to reply on the 16th March claiming the account was on hold... after they initiated the claim...? odd

BW Legal WS.pdf

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Oh well they won't win on that rubbish

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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  • 1 month later...

If you have followed the directions you were given in your Notice of Allocation....then your all prepared...obviously you take all your documents to the hearing.

 

Andy

We could do with some help from you.

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  • 2 weeks later...

So today was court day...

 

We arrived, rent a solicitor arrived he asked to speak to us. Basically he wanted to make a settlement... for the full value, err no thanks. He tried to use some BMW legal case to say using the default date is correct and that the case wasn't SB.

 

So we went into the court room, the judge absolutely tore Lowell’s to shreds, she wasn't happy with them generally for their lack of paperwork and pointed out they hadn't produced a notice of assignment section 136. Solicitor was nearly begging her for an adjournment, she refused saying time after time she has told Lowell they should be producing the correct documents.

 

The solicitor even tried to say that WE hadn't disputed the fact there wasn't one! The judge was not impressed with that... she didn't even get to our defence or the question over it being SB...CASE DISMISSED

 

MANY THANKS to all who has helped on here couldn't have done this without the help on this site!

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:becky: Decent District Judge......well done..thread title updated.

 

Regards

 

Andy

We could do with some help from you.

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Martyn1984 said:

So today was court day...

 

We arrived, rent a solicitor arrived he asked to speak to us. Basically he wanted to make a settlement... for the full value, err no thanks. He tried to use some BMW legal case to say using the default date is correct and that the case wasn't SB.

 

So we went into the court room, the judge absolutely tore Lowell’s to shreds, she wasn't happy with them generally for their lack of paperwork and pointed out they hadn't produced a notice of assignment section 136. Solicitor was nearly begging her for an adjournment, she refused saying time after time she has told Lowell they should be producing the correct documents.

 

The solicitor even tried to say that WE hadn't disputed the fact there wasn't one! The judge was not impressed with that... she didn't even get to our defence or the question over it being SB...CASE DISMISSED

 

MANY THANKS to all who has helped on here couldn't have done this without the help on this site!

 

Yes well done, the no documents defence is a killer for them. :)

 

Be interested to see whatnowblockquotelwidgetblockquotelockquote widget

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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great result well done CAG.

 

 

please consider a donation to keep us here helping if not already made

 

dx

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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