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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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    • 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.

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      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.

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      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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Ive had 3 ppi's in total help claiming please


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Hi well wasnt until i found these forums that i was made aware that you could claim back for ppi's.

Ive had 3 loans in total each time upgrading to a bigger loan all with ppi's when i have upgraded i have had some sort off refund for the insurance not sure if i will be able to claim for them but my current loan which ends next year thank god has a ppi on it which is rather large i bank with hsbc by the way :-|

I also have a credit card with them which has a ppi on it which will be cancelled tomorrow.

Ive seen the template letters and that but who am i making the claim from the bank itself or the insurier ? Am confused :confused:

I understand i need dates etc found the agreement forms i signed for the loan and credit card so how do i go about starting the ball rolling where do i send it ?

Thanks for all your advice;)

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Hi well wasnt until i found these forums that i was made aware that you could claim back for ppi's.

Ive had 3 loans in total each time upgrading to a bigger loan all with ppi's when i have upgraded i have had some sort off refund for the insurance not sure if i will be able to claim for them but my current loan which ends next year thank god has a ppi on it which is rather large i bank with hsbc by the way

I also have a credit card with them which has a ppi on it which will be cancelled tomorrow.

Ive seen the template letters and that but who am i making the claim from the bank itself or the insurier ? Am confused

I understand i need dates etc found the agreement forms i signed for the loan and credit card so how do i go about starting the ball rolling where do i send it ?

Thanks for all your advice

 

Hello and welcome to the forum:D

 

You need to approach HSBC as they sold you the loans and the credit card:D .

 

Send a full S.A.R - (Subject Access Request), you will find it in the ppi forum stickies, it will cover the loans and the credit card, add your details and the account no's, enclose a £10 Postal Order, send everything recorded delivery and keep everything in a file.

 

Wait for the info to come and whilst waiting read around the threads and educate yourself:D

 

If you need to know anything just ask:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I am also sending a S.A.R for overdrawn charges guess it goes to the same place.

Thanks for the advice

 

Hello Laz,

 

If you send the full SAR they must provide you with all information that they hold on you. This will include bank statements, overdrawn charges, interest everything.

 

If they don't give you everything. you send a non-compliance template under the dpa and then report them to the Information commissioner Office.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi,

 

I work for a BBC1 consumer affairs programme called "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues that have arisen between consumers and companies.

 

Having read your story, we would be extremely keen to hear from you to see if there is anything we might be able to do to help.

 

If you would like to talk to us, please get in touch at:

 

[email protected]

0207 731 6868

 

Thanks very much,

 

Robert Gershinson

Don’t Get Done, Get Dom (BBC1)

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Hi,

 

I work for a BBC1 consumer affairs programme called "Don't Get Done, Get Dom", in which presenter Dominic Littlewood attempts to resolve issues that have arisen between consumers and companies.

 

Having read your story, we would be extremely keen to hear from you to see if there is anything we might be able to do to help.

 

If you would like to talk to us, please get in touch at:

 

[email protected]

0207 731 6868

Thanks very much,

 

Robert Gershinson

Don’t Get Done, Get Dom (BBC1)

hi ive emailed you let me know if you get it or if you would prefer me to ring thanks

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