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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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i would have to get another morgage on the property and he would not agree to this, so i could not borrow the money to pay the creditors off even at 50% reduction

He is making life so difficult here, we live in 60 degrees as he wont turn the heating up, we have no food in the house, so we dont eat and he keeps sorting his money out when i am around, he has about 40k in the bank and keeps going on about his interest on his savings etc so making me very depressed.

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I would get professional advice on your finances asap Littleduck before you make any decision on what to do with your £60k

 

If you took your £60k and bought a little 2 bed house for about that amount and then went bankrupt you may be allowed to keep your new little house by the OR due to your child at home BUT you would need proper advice from a professional on that one.....just a thought

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Hi Littleduck :)

Thanks for the support, much appreciated. Listen to what advice you are getting on here - and I would make my first port of call to phone one of the national debtlines ASAP..or CAB and make an appointment. I can't advise on property as I am in rented accomodation. But Brent is right, you MUST contact one of these debtlines FIRST.

Try CCCS or CAB there are web addresses I think at the start of my threads from other more knowledgable caggers. Sequenci is very good with advice too, PM him and he will read your thread and give you solid advice, he has helped me in all of this. Good luck and I should be telling you off for highjacking my thread...lol...;)but I won't, glad my story has helped you though. Thanks again and take care.:D

Sugar x x x

 

P.S I did a lot of my stuff at work as like you couldn't afford the time off work.

Edited by Sugarbabe47
p.s
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Littleduck - found info for you,please take a good read.

 

National Debtline –Free,Confidential Debt Advice – Call 0808 808 4000

 

And Read The Insolvency Service Website

 

Good luck :)

Sugar x x

Edited by Sugarbabe47
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Thanks sugarbabe..I have found the cccs website and will fill in the forms tonight.i think on reflection brent is quite right in what they say, and i will ask the cc companies to take a payment in settlement..as i think he is going to come up with a solution to get me out of the house, and just maybe he will part with some of his money..lol

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  • 3 weeks later...

Hi all :D

UPDATE

Well it's over a month now that I was declared B/R. I have had a few letters - nothing major. Just advised them of my Bankrupcy and left it at that. I am still paying tax, but not too worried as I understand the Official Receivers are extremely busy ( Not suprised given the economic climate at the mo!)

 

I have had a WHOLE WEEK with NO post.....now that feels strange, even weird.....lol...but I do feel better for going ahead with my B/R.

However, I do wish that I listened to CAB years ago and went B/R then instead of trying to battle on and on, giving myself ill health and stress, but hey ho, hindsight is a wonderful thing.

 

To all those going through the B/R route and stressing out, please be kind to yourself and try to stay calm - if I can do this so can YOU!

I would like to take this opportunity to wish you ALL on here a very very

peaceful and happy Christmas and I hope 2009 is a better year for ALL.

 

Love - Luck - Laughter Always:D

 

Sugar x x x x:D

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Hi,

 

Just spent a good few hours reading through this thread. I got a letter from Do Debt this morning saying they wanted to declare me bankrupt for a debt they have bought over from Yes Car Credit. The account was opened in 2003, and they took the car back in Jan 05. this is teh 1st contact I have had from anyone since then. I have spoken to Go debt and they have offered a settlememt of £2k on the balance of £3.9k, but the want it by 31/12/08. there is not a cat in hells chance of me getting that sort of cash. The letter states that an OR would be appointed and my house sold.

 

I jointly own the house with my wife, and the mortgage and sec loan combined is £134k, with the house value at approx £127. I am very very stressed that I am going to loose my home. I spoke to someone from the national debt line and they advised me to send a CCA letter, which I have done.

 

Can anyone offer any further advice? When the car was taken back I asked the collection agent if i needed to do anything else. He said no, thats you done, all finished, sign here please.

 

How can they surface out of the blue like this after 4 years. also i asked Go debt if can could make an arrangement, the refused.. HELP !!!!

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Hi Jokerdisco :) and welcome.

Firstly thanks reading my thread.

Also may I suggest starting your own thread hun, then you will receive the proper answers that you are looking for. My case is different from yours as I do not own property, however my ex hubs did take out finance for a newish car in 2000? I told the company to take the car back and I could not afford the payments. They hounded me for years with threats, but as I do not have property they didn't threaten me with Bankrupcy! I included this company in my own B/R, just so no other debt collection company can chase me for it years down the line. Sorry I cannot assist anymore but if you start your own thread then someone with more knowledge on the subject will pop in and help you. Keep calm and try not to worry - easy for me to say I know, but I have been to hell and back with financial pressures (to the point of suicidal!).

Take care and take care of each other.

Sugar x x :D

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