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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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    • 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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MCPR Vs Lombard Direct (part of RBS)


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I am currently behind on my payments (missed 4 :( ) to Lombard Direct. It appears from their notepaper, that they are part of the RBS Group - Can anyone confirm please ?

 

Also does anyone have the address that I should use to send them my DPA letter ?

 

Ta very much :(

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Loans provided by Lombard Direct, a trading name of The Royal Bank of Scotland plc, Lombard House, 339 Southbury Road, Enfield, Middlesex, EN1 1TW.

 

Taken from the front page of the lombard direct website. I'd say just send it to the address listed there!

HBOS Student Visa - DPA sent 30/03/07

 

HBOS Student Current Account - DPA sent 30/03/07

 

HBOS Current Account - DPA sent 30/03/07

 

Capital One Mastercard - DPA sent 5/04/07

 

BRING IT ON!!!!

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Loans provided by Lombard Direct, a trading name of The Royal Bank of Scotland plc, Lombard House, 339 Southbury Road, Enfield, Middlesex, EN1 1TW.

 

Taken from the front page of the lombard direct website. I'd say just send it to the address listed there!

 

 

Thanks David :) And Good Luck !!

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Don't know if this will be of any use/help but.....

 

Lombard Direct have refused to accept my token payment 'offers' of £5 per month, despite them having sight of my personal budget sheet & list of creditors.

 

They have therefore issued me with a section 87(1) Default Notice - and charged me £25 :mad: for the 'pleasure'. Their (standard) letter waffles on about me contacting them to discuss any payment difficulties I might be having, and any proposals I have for clearing the arrears. Of course, they have already had all this info in writing. I have made a claim on my payment protection insurance (as a result of my redundancy) of which they are aware (but seem to choose to ignore). However, their Insurance Company (unlike several others to whom I have made claims) have not yet made any payments to Lombard.

 

I therefore wrote the following letter (mostly cribbed from another web site) which, I hope might make them reconsider (I've had no response as yet)

I note that regrettably we are unable to reach a satisfactory compromise in my case. As I have already explained, I can only afford £5 per month at the present time and this is the only realistic payment proposal I can make bearing in mind my personal budget sheet and list of creditors I sent your company on xxxxxxxx.

I have been advised that under the Debt Collection Guidance issued by the Office of Fair Trading that your company are in breach of the Guidance under the section concerning physical/psychological harassment - section 2.6. (f) which covers unfair practices - i.e. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so. As set out in my previous letter I cannot increase my offer to you and I am advised therefore that your company is in breach of the above code.

As you should also be aware, I am pursuing a claim on my payment protection insurance and I understand from the Insurance Company that they will be shortly, if they have not already, be contacting you to request details in respect of my account.

Until such a time as the Insurance Company settle my claim or my circumstances change, the offer of £5 per month is still open to you to accept.

This might be of use to someone - I will let you know of course how I get on with dear Lombard. !! :)

 

PS I haven't started the ball rolling yet re their charges as I have just started 3 other claims - SARs sent today - but I will in due course !!!

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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Update:

No response from Lombard (I'm not really suprised) my guess is that they will sit back until the default notice kicks in at the end of next week (even though my Payment Protection Insurance should have made payment(s) by then).

 

So I feel a SAR coming on !!!

 

Watch this space :)

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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There I was - trawling through the net - as you do :)

 

Found this on a Lombard direct loan terms and conditions agreement (at Lombard Direct Loans - Terms and Conditions - not including Loan Payment Protection )

 

Your account is with The Royal Bank of Scotland plc trading as Lombard Direct. We are a member of The Royal Bank of Scotland Group (the Group). For information about our Group of companies please visit www.rbs.com and click on "About Us", or for similar enquiries please telephone 0131 556 8555 or Textphone 0845 900 5960.

 

Think I will address my SAR to them !!

S.A.R - (Subject Access Request) sent to NatWest 30 March 07

Statements received 2 May

SAR sent Barclays 30 March 07

SAR sent Barclaycard 30 March 2007

SAR sent RBS 5 April 2007

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