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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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1st credit - statute of limitations


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Hi would be really gratefull for some advise on my situation.

 

i have a loan of just over £4000 which i havent made any payments on for approx 6 years, i say approx as i dont have any paper work. i have moved address several times in this period and i havent heard anything from them until the other week. i think they got my address from me applying for something online which is my own fault. someone i know mentioned this statute of limitations.

how can i find out when the last time i made a payment was without admitting the debt is mine? because if it turns out to only be 5 years im then gonna get stung for £4000.

in the past if debts have caught up with me ive either ignored them or saved the envolope and waited for the next one to come throught the letter box then writen RTS not know at this address on them and sent them back. now my situation is different. i now live with my girlfriend and her 3 year old.

the loan was originally from marks & spencers financal services. the first letter i got about 10 days ago said i now owe the money to 1st credit finance so i saved it ready to do my usual sending it back but wasnt paying attention and opened the second letter. which said if i didnt contact them they would start legal proceedings and i could incur costs, could have a ccj registered against me, could have bailiff come round, could have an application put to my employer to obtain payment. which when i was telling a friend they mentioned the limitations act.

generally this wouldnt have bothered me but as i now live with my girlfriend and her little boy its not fair on her and i certainly dont want bailiffs turning up during the day when im at work and she is at home on her own.

my other concern is i have other debts that i know are only about 4 years old but they dont know where i am. im worried that if i contact 1st credit this will lead the way for the rest of my debts to catch up with me.

i know the way i have delt with things is not the best but any advise would be very gratefull.

 

thanks in advance

 

floydster

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Welcome to the site.

There are a number of ways that you can check these things out,but unfortunately it will mean you being able to satisfy the people you are asking to supply it-that you are who you say you are and so entitled to the information.

Data controllers have the right to be satisfied that you are the person asking..and can demand that you provide evidence.

Similarly a request under the CCA act and for copies of credit files for yourself are likely to demand this proof..especially since you have been so evasive.However there are rules and guidelines in place that give you protection from any attempts to make you repay any debts or alleged debts that are not collectable.

In any requests for transaction or account information you do not by nature of that admit liability-you need to state this clearly.

If you are serious about getting a hand on things,then you should make an effort to do it by the book-I will move your thread to the debt forums.

I understand your concerns for those around you-I agree its not good to have Baliffs on the doorstep-but you have a chance to deal with things that may prevent this happening in the future.If you have concerns then get them sorted with advice from others here who can help you to do it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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thanks for your advise. i am serious about trying to get this sorted but at the same time i dont want the rest of my debts to catch up with me as they amount to over £10'000 and i just havent got any spare cash as im now supporting a family.

i would like to take steps to find out the length of time that has passed since i have made a payment but at the same time im scared because if it is under time limit i will then be hounded by these people and as with a lot of people my general out goings match my income. if i had any more coming out of my wages i wouldnt be able to eat. sorry if im not sounding 100% commited to this.

what should i do to start the ball rolling to get the information i require?

 

thanks

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Chances are that if 1st Credit have 'found' you, the others will possibly be along soon....as ODC says send them the statute barred letter which is here letter 'M', send it by recorded and do NOT hand sign it...

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

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  • 2 weeks later...

Hi,

 

I sent the letter to them on the 19/6/08 recored delivery which they received on the 20/6/08. i have received a letter today (28/6/08) LCS solicitors which says it is the legal division of 1st credit. it basically says that 1st credit have asked LCS to write to me giving me 14 days to make payment in full or they will issue proceedings against me in a county court for recovery.

 

the letter doesnt mention anything about the debt being statute barred.

 

what should i do now?

 

thanks

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LCS "Solicitors" are the same lot as 1st Crappit. It's one of their standard scare tactics. As you sent the Statute Barred letter by recorded delivery I'd imagine that the alleged debt is now in dispute until they prove that it has been less than 6 years by supplying you with the relevant documentation.

I'd write to them stating that they have recieved your recorded delivery letter and that you are awaiting an appropriate answer and stressing that you do not recognise the debt and that the matter is in dispute.

 

As ever, don't sign your letters to them and stick to your guns (whilst registering correspondence and keeping a record of everything)

 

my personal experience is more with CCA's than statute barring so it would be wise to check what I'm saying with one of the brilliant forum veterans!

 

 

Good luck!

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Chris is correct.

 

The burden of proof lies firmly with LCS to prove that the debt isn't statute barred, you could remind them of their obligations whilst requesting a copy of their complaints procedure. As a forum, CAG are on the look out for people who are being chased by dcas for old debts, would you like to get involved with a little project that we are undertaking?

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What about sending them this

 

Dear LCS aka 1st Credit Legal Department

 

Quite frankly I am shocked though not surprised that a firm of Solicitors working for a Debt Collection Agency are totally unaware of S5 of the Limitation Act 1980. I have made my position clear.

 

If you do not understand the implications then I suggest

 

1. Contact your local Citizens Advice Bureau

 

2. Contact a Reputable firm of solicitors.

 

If you have internet access there is an excellent site where you will get all the help you need www.consumeractiongroup.co.uk

 

This letter is valid even if not read by you!!!

 

yours etc

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hi guys thanks for all your responses. sequenci yes id be intrested in getting involved in your project the more help i get to help get these people off my back the better.

 

in the letter they have sent it says, "please note that we are not instructed to enter into corresponence with you regarding this matter prior to the issue of legal proceedings. all payment and communication should be made direct to our clients" so im guessing i shouldnt reply to them but send a letter to first credit. i'll put a letter together and put in on here for u guys to check over if thats ok as im new to this or do u think ODC's letter is what i should send.

thanks again for all your advise

Edited by floydster
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ok this is what i was going to send. is there anything i have missed that i should put or anything i shouldnt?

 

Dear Sir,

Further to the letter I have received from LSC your legal department I would like to point out that I’m am still awaiting an answer to the letter I sent regarding this “alleged” debt dated 19th June which you received on the 20th June as it was sent recorded delivery which would mean the “alleged” debt is in dispute.

Please kindly refrain from sending me threatening solicitors letters and actually reply to the letter I sent dated the 19th June which have enclosed a copy of as I get the feeling you probably didn’t even read it.

Can you also send me a copy of your complaints procedure as I wish to make an official complaint about the way you are dealing with this along with the way you are harassing me without actually answering my original letter.

I look forward to hearing from you.

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I have invoked Worst Cretin's complaint procedure; predictably, it is a waste of time - they failed to send me a copy of their complaint procedure, and their final response did not address any of the points raised in my complaint.

 

Therefore, I'd suggest a shorter letter:

 

Dear Clowns

 

I refer to your letter - on your faux solicitor letterhead - dated xxxx.

 

Until I have your response to my letter of 18 June 2008, I am not in a position to correspond further.

 

In the meantime, I am of the view that your activity is in breach of the Office of Fair Trading Guidance on Debt Collection, and the Consumer Protection from Unfair Trading Regulations 2008. Please send me a copy of your complaint procedure without delay.

 

Yours etc.

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The OFT Guidelines make it very clear about what DCAs can do with regard to Statute Barred Debt.

 

Statute barred debt

2.13 This guidance applies to the pursuit of debt regardless of its age. We will be

carrying out further work on this aspect of debt recovery including analysis of

relevant legislation and practice throughout the UK.

2.14 In the past we have dealt with a number of statute barred debt cases governed by

the Limitation Act 1980, which applies to England and Wales. Based on that

experience our position with regard to England and Wales remains:

a. we accept legally the debt exists

b. it is the methods by which the debt is collected that can be

unfair as follows:

it is unfair to pursue the debt if the debtor has heard nothing from

the creditor during the relevant limitation period

if a creditor has been in regular contact with a debtor before the debt

is statute barred, then we do not consider it unfair to continue to

attempt to recover the debt

it is unfair to mislead debtors as to their rights and obligations, for

example, falsely stating or implying that the debt is still legally

recoverable and relying on consumers not knowing the relevant legal

provisions, and

continuing to press for payment after a debtor has stated that they

will not be paying a debt because it is statute barred could amount to

harassment contrary to section 40 (1) of the Administration of

Justice Act 1970.

 

 

The new Consumer Protection from Unfair Trading Regulations 2008 could also be used

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/146460-consumer-protection-unfair-trading.html

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As previous posters have stated once a limitation argument has been raised, the burden of proof is on the creditor to prove that the debt isn't statute barred.

 

London Congregation Union Inc v Harriss and Harriss [1988] 1 All ER 15, CA at 13.3)

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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