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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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Moneybarn charges and default notice


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So I've just submitted the SAR.

Brought the car home and put it in a locked garage - Do I have to inform moneybarn that it's in a secure locked place at home? No

Trying to get hold of someone at the court! Keep trying its imperative

I'll make payment online as stated then the rest Friday. If I don't pay the recovery fee will they still come after it and report the car as stolen? They would be foolish if your payments are up to date ...you will have to dispute the recovery fee with the information you have found out...but not just yet.....wait until they raise it or add it to the balance on a statement.

Thanks again

 

 

Andy

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I've just submitted the SAR. *****good

 

Brought the car home and put it in a locked garage

- Do I have to inform moneybarn that it's in a secure locked place at home? **** none of their business where the is.

 

Trying to get hold of someone at the court!

 

I'll make payment online as stated then the rest Friday. ******good

If I don't pay the recovery fee will they still come after it and report the car as stolen?

Thanks again

 

No they cant.

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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thanks again Andy and DX.

 

Finally got through to the court.

They told me they aren't allowed to give advice but they could send me copies of the suspended order and the original application for the order submitted by moneybarn.

So still none the wiser as to whether the N245 should be submitted.

 

I emailed moneybarn asking for a written breakdown of costs and fees to be paid before they'll call off the repossession/recovery officers this morning.

Asked for a same day response but not had a reply!

 

When I spoke to moneybarn on Friday, they told me that legally they needed to know where the car was as it was their car!

 

What do I do if they take the vehicle once I've paid the payments?

 

Thanks so much again x

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they cant..how many more times!

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

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thanks - oh dear that last post makes a worrying read!

 

DX sounds like these people can do what they like once they have the return of goods order.

 

Reading that last post I could face a heafty fine and imprisonment!

 

Should I put in for the time order then ?

 

Thanks again

Edited by dx100uk
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Youre reading it but not understanding it.

Edited by dx100uk
quote

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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renegade amp - I'm really sorry but could you possible explain so that I can understand please?

Sat here panicking and no idea which way to turn :( !

I need the car for work and can't keep it locked at home forever!

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DX100uk

 

I've finally got copies of the court order/application and a summary of account!

 

They've added over £300 in £18 monthly DD fees and put on a £1848.26 termination fee ( guessing this is for the total future interest?)

 

Are they allowed to do this?

I saw on one of your other posts that this might not be legal?

Are you able to shed more light on this?

 

Thanks again

Amanda

Edited by dx100uk
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Could you possibly scan/ redact and upload a copy of the Court Order re Suspended ?

 

Andy

We could do with some help from you.

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So what did you say to them...assuming you did?

We could do with some help from you.

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what was his message ?

 

Have you made payment and just July's payment outstanding ?

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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https://www.legislation.gov.uk/ukpga/1974/39/section/92

 

s92 Recovery of possession of goods or land.

 

(1)Except under an order of the court, the creditor or owner shall not be entitled to enter any premises to take possession of goods subject to a regulated hire-purchase agreement, regulated conditional sale agreement or regulated consumer hire agreement.

(2)At any time when the debtor is in breach of a regulated conditional sale agreement relating to land, the creditor is entitled to recover possession of the land from the debtor, or any person claiming under him, on an order of the court only.

(3)An entry in contravention of subsection (1) or (2) is actionable as a breach of statutory duty.

We could do with some help from you.

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He cant enforce anything without a court order. If he tries, both he and moneybarn are in deep trouble.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Read upload

One multipage pdf only please

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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Get those docs converted to PDF and redact all personal info in it. Then upload. Until then it will be difficult to give you exact advice.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks renegade.

Does the return of goods order not count as a court order ?

So grateful for this site right now :) !

When I upload the docs do I just post them on here ?

 

Thats why we want to see the court documents and wording on the suspended order.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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looks like to me they have to return to court for enforcement to be granted

 

and I suspect the default notice is void as they state an £18 on it AND I bet the balance outstanding stated includes the PENALTY charges ,

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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