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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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    • 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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1st credit/beevers PAP Letter of claim - RE:Merged HSBC debt poss SBd


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Hi

Ive had a letter of claim sent to me from moon beaver solicitors on behalf of 1st credit ltd that bought an alleged £7000 debt of mine off hsbc.

Its is definitely over 6 years old.

The letter states they could take me to court if i dont reply within 30 days ?

 

My credit rating is good again now as all my negatives dropped off over 2 years ago and since then ive built it back up to excellent.

 

How do i deal with this ?

Please help, thankyou in advance

Kind regards

Neil

Edited by dx100uk
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Have you definitely NOT paid OR acknowledged this in writing in the last six years?

 

What do they say will happen if you don't get in touch with their arbitrary 30 day time limit?

 

IMO I wouldn't do anything, if you're 100% certain this is SB, then let them waste their money trying to get this in court, then hit them with the SB defence.

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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Thankyou for your reply

 

i should i send a cca request back to them ?

It was a personal loan and a flexi loan with hsbc originally,

they have just combined them together ?

Would a cca request be acknowledging the debt ?

Thankyou

 

Thankyou bazooka

Definitly not acknowledged this since sept 2010.

So im best to leave this alone,

will it be the court i give the SB letter too or will i receive more letters off their solicitor

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sounds like the infamous managed loan syndrome

 

you say you've def NOT paid anything in +6yrs

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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Not sure what you mean by formal but its off solicitor stating the 30 days also debt advice citizens advice ect...

A reply form with boxes to tick agreeing i owe the debt ect..

Signature page

Standard financial statement wanting my earning ect..

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Def not paid or even spoke in over 6 years

 

Had lots and lots of letters off 1st credit ltd, all went in bin

 

Yes its a pap by looks of it but not fully understanding all legal stuff, sorry,it says the agreement started on 11/08/2005 (hsbc)and was assigned to their client on 19/08/2015 (being 1st credit)

 

10 pages in all

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staple a copy of our statute barred letter to the pap reply form

and send it back

 

statute barred letter is in the debt collection section of our library

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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Share on other sites

Have you definitely NOT paid OR acknowledged this in writing in the last six years?

 

What do they say will happen if you don't get in touch with their arbitrary 30 day time limit?

 

IMO I wouldn't do anything, if you're 100% certain this is SB, then let them waste their money trying to get this in court, then hit them with the SB defence.

 

Yes im 100% ive not ackowledged it in any way since 2010

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staple a copy of our statute barred letter to the pap reply form

and send it back

 

statute barred letter is in the debt collection section of our library

 

So i am better to reply with the SB letter and not cca request ? Ill have look now and type it out, so shall i not tick any boxes in the pap ?

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in this link ford sent there is an attachment to post 6

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

use that

tick d

because ......the debt is statute barred

 

then PRINT SIGN YOUR NAME ONLY at the end

 

staple the SB letter to it

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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doubt you will get one

other than them stating the default is within 6yrs and its not SB'd

but it is ofcourse!

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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Share on other sites

now read the SB letter

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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now read the SB letter

 

Ah yes, id already read that but it just didnt sink in. So they can still harass me but its unlikly they will take it to court as they will get fee's or court will dismiss it.

Thank you for all the help

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and the relevant conc rules quoted init.

once told

they must cease all chasing in effect

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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  • 2 weeks later...

Scan it up read upload

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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It says i took agreement out in 2005, defaulted in 2009 and last payment made to them by me on 14 march 2012, debt assigned to them oct 2015.

Then states it could take a number of weeks to get the documentation i requested ?

I am certain i made no payment in 2012

So they're saying im less that 3 weeks from it being statute barred ?

Was the SB letter acknowledging it ?

Help...

Edited by dx100uk
There/they're
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