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 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.
  • 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 
        • 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

PRAC/BW chasing old PDUK PDL


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1636 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

I took a loan out with this company 2 weeks ago. All went well and thought having looked on their website it says obviously subject to credit assessment I could defer the loan twice - great I thought I will pay the balance over two months and bob's your uncle

 

Went to defer on their website and put in all the same income and expenditure details a week before the payment was due to come out. Their response "sorry but based on your affordability and credit assessment we cannot allow you to defer this loan":mad2:

 

Erm they gave me the loan two weeks beforehand, nothing has changed and yet wont allow me to defer. They wanted the whole loan back together with all the interest only 2 weeks after I received the loan. No way I thought, cancelled my card and any CPA they had set up.

 

I will pay them back on my terms and if they dont like it they can place it where the sun does not shine.

Link to post
Share on other sites

  • 4 weeks later...

You do know this is a normal trick to get you to take out the loan. Then when you default, they try and say theyre adding on tons of charges, and interest on top of it.

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

Link to post
Share on other sites

have you been getting multiply phone calls from them on this number 02078068934

i had same thing

 

Yes starts early about 9.00 four or five times a day on mobile. Wont leave messages on home answerphone

 

They can add as many default charges, interest anything they like, I will only pay what is due. They emailed and said that despite only having the loan for 2 weeks their set interest means that I could have the loan for 4 weeks, 3 weeks, 2 weeks or even 2 days the interest will be same.

 

I have emailed but they say due to data protection I need to ring - no chance.

Link to post
Share on other sites

Log every call they try, especially if youve told them in writing only. Read up on Harrison vs link for a start. You could bring a claim against them for harassment.

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

Link to post
Share on other sites

Youve got grounds for a nice big complaint and possible action for harassment then :)

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

Link to post
Share on other sites

  • 6 months later...
  • 3 years later...

I received the pre-action protocol letter from BW Legal.

I responded asking for all the documents relating to my account including the agreement, statement of account, default notice and letter of assignment.

 

They came back with the agreement which is dated 1 month earlier than what says in their pre-action protocol letter.

 

What is interesting is the agreement is between Mem Consumer Finance, me and Payday UK.

 

Why is there three parties to this transaction.

The agreement looks like it is printed at the same time as their response but that is not something a judge would really be interested in.

 

Can I ask again to provide the agreement they state in their letter which is 1 month earlier or will they just say it is a typographical error and the agreement is correct.

 

The statement of account is printed on their letter which they sent me 2 days after my request. The statement of account shows at the beginning the amount in the agreement shown as "deferral" and then a whole host of "defaulter/interest accrued" amounts. There is also a charge of £15 some 2 months after my "correct agreement date".

 

At the end of the statement of account all these figures are credited at the end which brings the statement of account back to the original amount.

 

What I need to know is if they have failed to provide the default notice can they just credit the same and say "we have not charged you for the defaulted amount so we do not need to produce the default notice"

 

The letter of assignment is there.

 

Can I go back to them and again ask for the agreement stated in their letter and also the default notice. This all happened in 2014 by the way.

 

I have always checked my credit file and there is a closed account with Payday saying settled but nowhere is a default notice and PRAC Financial dont appear anywhere.

 

They have given me 7 days to respond.

Edited by dx100uk
Spacing
Link to post
Share on other sites

Iirc they only have to supply a reconstituted agreement. What exactly did you ask for and what exactly did they supply to you. What were the reasons you asked for it

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

Link to post
Share on other sites

Ild thread merged

Did you use our PAP response pack and wording or their one and your own wording?

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

I responded to them with my own response letter in replying to their pre-action protocol letter.

 

I requested

 

Agreement dated 30th April 2014 (their letter states this) (the agreement they have supplied is dated 29th March 2014) and it is indeed reconsistuted I can still smell the toner ink on the paper :lol:

Default Notice

Statement of Account

Notice of Assignment

 

Thanks for bringing up my previous posts I could not find it anywhere.

My credit file in 2014 states a default but this has now disappeared and the account on my credit file says settled.

Surely the default should still be there.

 

Yes indeed it did get deferred as I have the payment debiting my account on 30th April and yet they say the agreement is dated 30th April

Edited by dx100uk
merge
Link to post
Share on other sites

Just to clarify - PDUK are a sub brand of MEM CF - Or Were before they were taken over by Instant Cash Loans Ltd...

Do you have all the docs? Mind posting them up minus personal details.?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

So 99% unlawful interest 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... 

Link to post
Share on other sites

Who's side you batting for??

 

If you total that int..does it equal those refunds...

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

Who's side you batting for??
:lol:

 

But I imagine in court they will say but Your Honour we removed all interest and default sums so the only amount required is what the Defendant borrowed so why are arguing about interest/default when that is not an issue.

 

The first amount is a think a payment that was deducted from me despite the fact that the loan needed to be repaid in one fell swoop.

Link to post
Share on other sites

IRL complaint?

 

Uf your credit file was shot/financial status poor..should they have loaned 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... 

Link to post
Share on other sites

I have again requested the correctly dated loan agreement and default notice and the original creditor's statement of account and not what BW Legal have put on their letterhead.

That was over a week ago and its all gone quiet - me thinks a claim form is on its way.

 

Reading up on pre-action protocol BW legal should give me 14 days notice that they intend to initiate court proceedings so I assume I have notice of their intention

Link to post
Share on other sites

no they've already sent the PAP letter giving 30days.

 

pes I wouldn't of been entering into letter tennis.

 

just wait and see if they issue a claim now.

 

don't keep poking the beesnest

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

  • 1 year later...

This debt is from April 2014.  I had a recent letter from them saying the usual take you to court.

 

The debt is for £580.

 

I requested all the usual documents from them

 

What they sent is a fixed sum loan agreement which looks like it was typed yesterday.

 

A statement of account on their letterhead which they say this is the statement of account from the point of the opening of the account to the sale to their client.  Surely a statement of account needs to come from the original creditor not something that is typed up by the present creditor.

 

No default notice - they say dont have one

 

No termination notice - they dont have one

 

There is nothing on my credit report nor anything involving PRAC.  There is a closed PDUK account from March 2014.  The fixed sum loan account states April 2014.

 

Where do I stand on this one any help appreciated.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...