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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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    • 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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AA home insurance unwanted renewal


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I signed up to AA home insurance February 2017. I paid circa £120 up front for the year.

 

I moved house in November 2017. It was cheaper to go with someone else, so I called aa to cancel my existing policy and also cancelled my dd.

 

It seems that they tried to auto renew me in february and failed to take an annual payment. I have post redirection but didnt receive any notification of this.

 

I have now received a default notice and a request for monies.

 

After speaking to their customer service manager they have promised to review their records to see if I did call or not. I cannot prove that I did as my phone doesnt go that far back.

 

I am sure they have very clever t&c's but do I have a leg to stand on?

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Nope it's not like car ins

They should not auto renew without authorisation

 

Make sure they've not trashed your credit file

Then ignore them

 

You owe nowt

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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I think they have marked my file or are at least threatening to do so if I dont pay some charges.

 

I could understand it it I tried to cancel within the 12 months and hadn't paid all of the monthly instalments, but this is different.

 

They are looking at their records, its not really in their commercial interests to help me.

 

Is there any action I can take?

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To put it another way, they auto renewed another years house insurance for a property I no longer live at in February but were unable to take a payment as the DD was cancelled.

 

Presumably thy sent out a letter a few weeks in advance, but this didnt get redirected and so the first I knew of the problem was a threatogram.

 

As far as I knew, it was cancelled. As far as they concerned I have failed to keep up payments.

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Don't call them again, write and set out your position clearly.

 

I'd say something like:

 

-- I called you on/about November xth and told you I was moving and the policy was to be cancelled. You said to me that.... [give a brief summary of the conversation]

 

-- I did not receive an auto-renewal letter from you in February 2018 (my post is redirected so I would have got it if one had been sent). I did not query this because I was not expecting to receive any such letter as the policy was no longer in force

 

-- I have had no insurable interest in Property A since November 2017 so I could not have insured it even if I had wanted to.

 

-- There was no policy in force for you to auto renew in February 2018, I have not renewed any policy with you, and therefore I do not owe you any money.

 

Someone else may be able to suggest some improvements to that, but keep it short and factual. Send it Tracked mail (recorded delivery).

 

Also check with your bank about when you cancelled the DD. When you cancelled it did they tell the AA it had been cancelled? I have a feeling banks do tell the company named in the DD. If so add that to the letter. "After my phone call I cancelled the DD, My bank confirms they told you direct that I had cancelled the DD. As you did mnot ask me why I had cancelled the DD it is reasonable to assume that you knew why I had cancelled the DD, because the policy had been cancelled". Or some such.

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Many thanks Ethel and dx.

 

I will use this to drafted a letter to them. There are a few similar but older threads on here with no conclusion. I will keep this up to date.

 

What is amusing is that they called me at 7pm on Friday 29th from the number 01614958179 and tried to sell me a load of services. Clearly a broken organisation who would take action against someone for supposed bad debt and try to sell more to them at the same time! :D

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Received a standard email in response to my letter. Not good enough really as they are threatening to trash my credit file and there is no mention of any action being put on hold.

 

Thank you for taking the time to contact us about your concerns from which we are sorry to learn of your dissatisfaction.

 

 

 

We are required to investigate these concerns within a period of eight weeks from the date your complaint was received. Of course, we do not anticipate that it will take eight weeks to complete our investigation but we are required to inform you of the expectations of our regulator in dealing with complaints of this nature.

 

 

 

It is possible that you will not hear from us for a couple of weeks while we complete our review, however we will advise you of our findings as soon as possible. In the meanwhile, a copy of our internal complaints procedure can be found here http://www.theaa.com/aboutaa/complaints.

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where is there any mention of trashing your credit file? they tried to take an unsolicited payment for a product you no longer have or want so to threaten you would be foolhardy. No-one has to ahve household insurance and the worst they can do is lose themselves business by gaining a bad reputation

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Go get it back then from your card provider then

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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did you pay the premium by instalments as it appears to be the case. If so then they will have set up a continuous payment authority so yes, they can default you for not paying but only you will know whether you agreed to autorenew.

 

You may have to get a copy of the original conversation transcript if you did it by phone but in the meanwhile start instructing them rather than complaining.

 

likewise your bank, tell them that there was no authority and they should reverse the payments collected.

 

The bank will ask AA about this so be adamant and make sure the bank knows exactly what happened and when so they arent led by the Aa's claim that they have the right to do anything they want.

 

essentially it is a credit agreement we are looking at now, not an insurance contract so dates of when it started and finished ordinarily and exactly what you told them when you moved

Edited by dx100uk
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Thanks for your help. Yes, I am actually paying by 12 monthly instalments, the first one jan 17.

 

It was cheaper to go with someone else, so I called aa to cancel my existing policy. I was advised that I could pay up front now or let the last 2 payments run. In hindsight, I dont think it was cancelled. I have asked for transcripts in my complaint but this can take weeks.

 

What do you mean by "start instructing"?

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  • 3 weeks later...

I have received 2 threats today from AA.

They want £600 from me are continuing to force me to pay.

This seems highly unfair as they told me it would be 8 weeks before they could investigate.

 

How can I put this on hold until they can at least sort out their own investigation?

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just let it run

they cant harm you

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

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