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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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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • 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
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LYNZFA vs NATWEST **WON**


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I recieved a letter from the natwest today regarding outstanding balances on my accounts (because of charges of course)It says i have 8 days to respond to the letter with payment in full or offer of repayment.the amounts outstanding are £701.60 and £963.25.They also rang me to see if i had an offer and when i said my accounts were in dispute thay said i would still ahve to start making repayments.do i have to do this or not.help and advice would be great

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I recieved a letter from the NatWest today regarding outstanding balances on my accounts (because of charges of course)It says i have 8 days to respond to the letter with payment in full or offer of repayment.the amounts outstanding are £701.60 and £963.25.They also rang me to see if i had an offer and when i said my accounts were in dispute thay said i would still ahve to start making repayments.do i have to do this or not.help and advice would be great

 

The banking code says different - how much are you reclaiming on each accoutn and what stage are you on each?

Consumer Health Forums - where you can discuss any health or relationship matters.

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No how dare they do that, i would write back and tell them you are in financial difficulty and also the accounts are in dispute and to hold it for at least 28 days while you solve this problem and you will look to update them after this time, just tell them you are looking to review your financial situation, i did this as i was in abit of a problem over the last few months and they did hold the accounts for me.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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they said they want a minimum of 10 each acount a month,they said thye wouldnt put a hold on it anymore.i have got the a/q to be handed in by the 12th september so im just waiting to see if they pay up before then.on one account i am claiming 964 and the other is 784.

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well i thought i might of had a nice cheque in the post this morning as the allocation auestionaire is due at the courts tomorrow but there was nothing,so looks like ill be off to the courts in the morning.has anyone else done this and if so what happens after i have took it to the court

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what are you claiming for?

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Hmmmm im sure i saw before they paid up at this stage before. Im sure they will after you hand it in at court. You never know, in the morning you may have the nice cheque waiting for you. Let us know how it goes.

 

Good Luck

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George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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No i would wait for the post, you never know ;-)

 

Well i waited till midnite, i guess its midnight 2moro i can file default judgement as they have till 12th to acknowledge or defend and its now 12th so i guess its including 12th?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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hi,well still nothing in the post so i took my a/q and £100 to the courts this afternoon.they said there is a bit of a backlogue on applications so im not sure how long it will be or what is going to happen next,can anyone help.has anyone else been to hand in a/q

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hi,well still nothing in the post so i took my a/q and £100 to the courts this afternoon.they said there is a bit of a backlogue on applications so im not sure how long it will be or what is going to happen next,can anyone help.has anyone else been to hand in a/q

 

Posted mine sunday with a copy to cobbetts - should ahve received it today. Hope to hear something soon. My A/Q day was 17th.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Posted mine sunday with a copy to cobbetts - should ahve received it today. Hope to hear something soon. My A/Q day was 17th.

 

Gizmo, same day for me, at Bristol County as well, Can you link me to your thread please, As we are on exactly the same timescale

If I do give you advice please be aware of the following:

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

03/10/06 - NatWest Claim Settled in Full to the amount of £2344

 

09/10/06 - 2nd Natwest Claim - Pre Lim sent | Halifax CC S.A.R - (Subject Access Request) Sent | Natwest CC S.A.R Sent

 

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Gizmo, same day for me, at Bristol County as well, Can you link me to your thread please, As we are on exactly the same timescale

 

Here you go

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/11431-nat-west-3-claims.html

Consumer Health Forums - where you can discuss any health or relationship matters.

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HI

 

right I handed in my aq 2 days before deadline cobbets sent me copy of there defence and request for more info particualarly cpr part 18 which I ignored as they are not allowed to ask for this

 

cobbets got there aq in on the deadline of which they sent a copy to me

 

I called the court listing department today to find out what was happening and I should be hearing from the court in writing in the next few days but have informed me on the phone that case date is 7 october

 

cobbets once again trying to get me to buckle sent me a letter offering me slightly more than the bank offered which i have written a letter to them refusing as full settlement but as part payment they also want me not to disclose as part of the conditions (no chance) I am part of this forum

and i will disclose everything on my thread and when i win will donate percentage of proceeds to forum as they have been most helpful

 

unfortunately it is a waiting game once you hand in the aq but it is going to be worth the wait

 

regards

Greg

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I have not even had a part offer yet from the bank so god knows whats gonna happen. I thought they were paying out quicker than this.

If I do give you advice please be aware of the following:

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

03/10/06 - NatWest Claim Settled in Full to the amount of £2344

 

09/10/06 - 2nd Natwest Claim - Pre Lim sent | Halifax CC S.A.R - (Subject Access Request) Sent | Natwest CC S.A.R Sent

 

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surprised you didn't even receive an offer in your replies you got from the bank

 

it seems they are dragging there heels as much as they can now that there are somany claims being made my aq was handed in same day as yours and I received letter from cobbets today upping the offer from original 427 to 600 as they feel that there client feels i wont win.

 

it just intimidation

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gizmo have you heard anything back from the solicitors or courts yet.i emailed cobbetts today and told them i have handed in my a/q.but no reply from them

 

I sent a copy of a/q by post on sunday - have not heard a thing

Consumer Health Forums - where you can discuss any health or relationship matters.

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surprised you didn't even receive an offer in your replies you got from the bank

 

it seems they are dragging there heels as much as they can now that there are somany claims being made my aq was handed in same day as yours and I received letter from cobbets today upping the offer from original 427 to 600 as they feel that there client feels i wont win.

 

it just intimidation

 

I had no offer - I think the banks are trying ot drag it out even further than they were as it has now got much more widescale than they anticipated - no matter to me I will be quite happy to meet them in court and they can then disclose th true cost

Consumer Health Forums - where you can discuss any health or relationship matters.

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