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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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      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.  

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      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.

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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.

      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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New claimant against NatWest **WON**


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Moi again...

I have been reading as many threads as possible through and through again from the beginning of July. Now I am quite curious as to what banks and customers relationships become once the claimant won his/her case. Do you keep on banking with the same institution? Do you open an account somewhere else?

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Issued a Letter Before Action yesterday and received The Small Claims Help Kit today... very helpful...

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Patiently waiting for reply to LBA...

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Received Stuart Higley's template reply to my LBA...

Next stage... N1 and County Court...

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Due to a breach of the Direct Debit Guarantee RBS Customer Relation refunded the charges related to that operation, I also believe that they refunded the Historic Statement Fee of £5.00...

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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I am filling in the N1 Form... I have just used copy/paste what I found in the template library... Now there's nothing mentioned about default notices... Shall I add it into the Particulars of Claim in the form of "...Claimant claims... Confirmation that any default notices entered against the Claimant's Credit Record are entirely removed"...

Help please...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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  • 2 weeks later...

Launched the war on Natwest... I want all of my charges refunded... to the last penny!

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Thanks to everyone who helped and advised so far... Claim issued yesterday... Now patiently waiting for Cobbetts to send their template letter... Bit nervous about it all...

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Thanks Natweststaffmember... :)

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Received acknowledgement of service this morning. As expected, Cobbetts intends to defend the all of the claim. Cobbetts... en garde!

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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How long now before the first letter from Cobbetts?

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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  • 4 weeks later...

As expected Cobbetts entered their defence just one day before I could start a judgement by default and they sent a CPR Part 18 questionnaire.

Here's my answer. If a Mod could have an eye on it before I send, please...

 

I acknowledge safe receipt of the defence entered in relation with the above referenced claim.

I anticipate that the case will be transfer to the Small Claim Court and therefore pursuant to CPR Part 27.2 (1)(f) CPR Part 18 does not apply to small claims, and pursuant to CPR Part 27.2(3) “the court of its own initiative may order a party to provide further information if it considers it appropriate”. I consider the CPR Part 18 request intimidatory and I intend to bring it to the attention of the court.

To answer to Sch.2 of the defence please find enclosed a “schedule of charges” detailing all the charges levied on the named account.

I hope that this will clarify my position.

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

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Received Defence few days ago, followed by the A.Q.

Case allocated to the Bromley County Court, in Kent.

Cobbetts was not impressed by the fact that my letter included a mention about the CPR Part 18 being intimidatory. They replied by saying that they did not have any details of the charges... Hum!... All of my correspondance with Natwest has been sent to them... including that deatil of charges... another of their stalling tactics? And a copy has been filed at the court too!

Waiting patiently for the hearing date now!... Wish me good!

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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You seem to be a little bit ahead of me, I'm still waiting for Cobbetts to enter their defence, then I'll be anticipating the AQ, I seem to be reading a lot of this about them having insufficient details regarding the claim even though they have it there in black and white right infront of them, why bother with these stalling tactics, they should know when they're beaten.

 

Good luck to you!!!:lol:

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hi deller1,

Thanks for your wishes... When I entered my claim, Natwest sent them all the correspondance, copy of the same statements, I sent a copy aong with the LBA and filed a copy at the court. They surely know what we are talking about... Just gaining some time... They are really annoying... I wonder if they play the same game with law professionals who calim they charges back from their banks? I bet not!

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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Same for me, once my claim was filed with MCOL I sent (recorded delivery) a copy of my schedule to Nat West, Cobbetts and MCOL, so can't wait to see if they use the same stalling tactics on me, or try out a new one. Can't be long now, will update in my thread and will be keeping a close eye on yours!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Received letter from Cobbetts this morning offering approximately 50% of my claim as a gesture of good will... Accepted as part payment!

Now I need a Mod to clarify the last part of Cobbets' letter, they state:

"Whilst this letter is written without prejudice save as to costs, in the event that you decline this offer, we will draw this letter to the Court's attention on the basis that we hold the firm view that this offer is entirely reasonable in the circumstances. This offer will remain, blah, blah, blah..."

That looks like a part 36... Can a Mod help on that one, please?

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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hi have also recieved same letter from cobbets yesterday i have until the 7th of november to respond. we also accept offer as partial payment but will pursue with claim for the amount outstanding. will be sending response to cobbetts this weekend.:-)

23/08/06 RECIEVED STATMENTS:) 25/08/06 SENT PREM LETTER

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Now patiently waiting for Cobbetts' letter!

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***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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Hi,

Still waiting for Cobbetts' final decision on my claim.

Now writing a letter to Sir Fred Goodwin, RBS' CEO stating than on more than one occasion his bank was in breach of contract. a) they breached the D/D guarantee b) they breached the Data Protection Act 1998 on automated interventions c) they were in breach of their fudicial duties and finally d) requiring them to lift the default notice placed on my account.

I have all the documents and letters from NatWest to support my statements. I might transfer the case to Solicitors or even Barristers (if I find a Chamber intrested in the case).

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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Received that so expected letter from Cobbetts...

Settled in full!

Case won...

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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Won!:D

---Aut viam inveniam aut faciam---

 

***All advice given should be taken as guidance... Professional advice should always be taken before any course of action is pursued***

 

- I do not reply directly to any PMs, but you are more than welcome to enclose a link, in a PM, to your post. Thank you -

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Excellent, and so it continues.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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