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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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      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.
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Currys Whatever Happens!!


Debtworry
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Hi,

 

Not sure if you remember my post a few weeks ago regarding my TV that i purchased from Currys was broken, and that i had whatever happens protection.

 

Well i rang Currys to explain that my 6yr old boy fell into it cracking the screen, they sent out an engineer to visibly look at the Tv and then said "yes it will need a new LCD" they said they will be in touch a week later to collect the Tv for repair all was good, as promised a week later they took the TV and said it should be back within a week, this was 2weeks ago, this morning i recieved a letter saying they are returning the TV un-repaired as the insurance doesn't cover neglect! how can my boy falling into it be neglect!!! :-x

 

They have gave me an address to write to, to appeal, anyone have any ideas what i can write back? i'm useless at writing letters, or what further action i can take.

 

Thanks

 

Forgot to say, on the back of the agreement it states repair against Accidental Damage! well he didn't purposely fall into the TV

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Do you have Houshold contents insurance. Most policies will provide Accidental Damage cover automatically for items such as TVs. Always handy when you have 6 year olds !

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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Do you have Houshold contents insurance. Most policies will provide Accidental Damage cover automatically for items such as TVs. Always handy when you have 6 year olds !

 

Unfortunatly i dont have home insurance :mad:

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In that case, do you have a copy of the wording from Curries. The will be some exclusions no doubt however it's called "whatever happens" insurance therefore whatever happens should be covered otherwise it is totally mis-leading and whoever sold the TV to you should've pointed it out.

If there is a policy wording, can you scan and post it ?

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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Hi again,

 

My scanner isn't installed at mo but will type out the Whatever Happens Coverplan states.

 

1) What does my whatever happens service agreement protect me against?

 

With whatever happens you are protected for the following (unless your product qualifies for instant replacement)

 

*Mechanical Breakdown

*Breakdown Due To Mishap

*Business Use (see section 10 for full details)

*Worldwide Protection

*No Charge if no fault is found

*You wont pay a penny extra, labour, parts and general advice are all included.

 

2) - 8) state pc upgrade etc

 

9) Information you need to know

 

The following items are not included

 

*Regularly replaced items/consumables items

*Built-In batteries

*Bulbs

*Vacuum Cleaner Belts

*Lamps used in protection TV's & projection

*Cosmetic Damage where it does not affect the operation or safety of the product

*Repair costs that have not been approved

*Damage or breakdown due to flood, wind or other sevre weather

*The cost of repairing or replacing a product which fails because anyone neglects, abuses or misuses the product

 

I stopped there as thats what they say i have done, misused, neglected or absued my TV?

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Well as people may know, my forte is motor however policy wordings are policy wordings. In my opinion I think that they are incorrect in refusing your claim on the basis of neglect, misuse and/or abuse as I fail to see that what is an "accident" by a 6 year old can be classed as such. On the contrary, the wording that states that you are covered under the "breakdown due to mishap" clause should apply. This was an accident/mishap.

I suggest that you do ring them and explain the above & post what they say. If they still decline I'll suggest a strongly worded letter.

 

I appreciate that there are numerous reasons that people don't purchase contents insurance however I would strongly advise at least a basic cover. You'd be suprised what's covered.

 

Hope this helps.

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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Thanks Trojan, i typed up a letter a few days ago ready to send them recorded delivery, but i'm not sure if it sounds right hence why i haven't sent it as yet.

 

As soon as i re-word it or send it as is i will post the reply i get back.

 

 

Thanks

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