Jump to content


  • Tweets

  • Posts

    • 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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Income Insurance


Neopeppy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2106 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just a question,

 

I have been sick for a long time and forgot I was paying for income protection

, I have claimed but I have a gap of 3 months and 1 week where i did not ask for an unfit form as i was not working/sign on and not leaving the house with depression and anxiety.

 

I got an unfit notice before and after this gap with the same condition (it never went away)

 

How do I go about getting some form of information that I can send to Income insurance to prove i was still unfit?

 

Can i ask the doctor to write a letter to say his opinion i would have been still unfit if i asked for the unfit letter?

 

They are saying anything over a 3-month gap they cant payout... (Convenient)

Link to post
Share on other sites

If your new claim occurs more than 3 months after the end of your previous claim and it arises from a related condition or one that existed at the same time as your original claim, you must have returned to work for at least 3 consecutive months to be able to claim, my gap is November 4th - Feb 16 3 months 16 days ish

 

 

(Barclays income insurance) now monument

Edited by Neopeppy
Link to post
Share on other sites

Various random posts on old threads moved to this thread and duplicate s tidied

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... 

Link to post
Share on other sites

If your new claim occurs more than 3 months after the end of your previous claim and it arises from a related condition or one that existed at the same time as your original claim, you must have returned to work for at least 3 consecutive months to be able to claim, my gap is November 4th - Feb 16 3 months 16 days ish

 

 

(Barclays income insurance) now monument

 

 

Thank you. So why are they saying they don't want to pay?

 

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

in the 3 months,

i don't have an unfit letter from the doctor as i never asked for one,

 

i was not working or signing on (Never left house)

 

i did not ask for one even tho i have unfit letter before and after for the same thing,

 

Its clear i was still unfit but they need in writing, the doctor however said he cant do a un fit letter as i never asked for one during that period

 

He did do a letter saying i was still being treated for the condition over the whole period, They said that is not good enough, needs to say Un fit.

Link to post
Share on other sites

No, i not been able to work since October

 

 

Oh right, I misunderstood. When you and they talk about a new claim, do you mean there was a claim before that? I'm not sure where the three month bit comes in, could be me.

 

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

the claim was sickness when I was working which was up top the point i ended my employment which they paid, i then needed information from November onwards.

 

Nov to Feb i did not have any unfit letters because i was not working, i did not see the point getting as i was going to give them to nobody.

 

However, the doctor has confirmed i have been continuously treated up to this very day. but can not give me an Unfit letter as i never asked for one at the time, this was 2015 when i stopped working. The condition has always been there and it doesn't just disappear for 3 months.

 

2015 sep-oct (End of work) Unfit letter

nov-Feb (Not working) No unfit letter

Feb until now Unfit letter provided

Edited by honeybee13
Paras
Link to post
Share on other sites

Thank you, that's what I was about to ask you for. Are they paying you now and it's Nov to Feb you're arguing about?

 

Is there something in their policy or Ts and Cs, etc that says what you should do when you want to claim?

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Not paying me anything from November 2015 onwards due to the 3-month gap without an unfit letter.

 

Can i not ask the doctor to put that in his opinion if i asked for a letter in that 3 months it would have been unfit as i was before and was after?

Link to post
Share on other sites

So is this what happened or not please? Including the dates.

 

 

2015 sep-oct (End of work) Unfit letter Claim paid?

 

nov 2015?-Feb 2016? (Not working) No unfit letter No claim made?

 

Feb 2016? until now Unfit letter provided Claim being paid or not?

 

Sorry if I'm being thick but it's important to get this right.

 

 

HB

Edited by honeybee13
Spacing

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

2015 sep-oct (End of work) Unfit letter Claim Paid

 

nov 2015?-Feb 2016? (Not working) No unfit letter Claim made but won't pay

 

Feb 2016? until now Unfit letter provided Claim not being paid

 

 

The claim was meant to go from October 2015 until now, but they could only pay until November 2015 due too no unfit letter. They have had all evidence showing I stopped working, I have been unfit to work from Feb 2016 till now and i have been treated from October 2015 until now.

Link to post
Share on other sites

I never returned to work so

(If your new claim occurs more than 3 months after the end of your previous claim and it arises from a related condition or one that existed at the same time as your original claim, you must have returned to work for at least 3 consecutive months to be able to claim)

 

Just realised i was in physio at the hospital during this 3 month gap, Surly i can use this as proof i was still unfit

 

Stil have my physio appointment card

Edited by dx100uk
merge
Link to post
Share on other sites

  • 2 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...