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    • 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
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      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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Book club (Grolier) - responsibility for goods?


SeanT
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Despite my efforts to get my wife to cancel her book club memberships with their ridiculous prices and tendency to send you stuff you don't want without asking, she still belongs to GROLIER CHILDREN'S BOOKS :mad:

 

They sent a massive box of books, that they appear to value at some 160 quid, without us ordering them - indeed, when they last spoke to me on the phone (just before these books showed up at the doorstep), I told them in no uncertain terms not to send us any other books unless we ordered them.

 

The wife phoned up and sent them back, no problem, Grolier instructed a courier to collect the books on their behalf and return them to Grolier.

 

Courier turned up, I signed for the collection (on a PDA) - and wasn't given any sort of receipt - we ignored the invoice for the books as the terms and condtions clearly state that the cost of the books is removed from the account in full once the books have "been returned."

 

Grolier have now sent final demands etc. for the self same set of books, claiming that they did not receive the returned items.

 

I fail to see how this can be our problem? The books have never belonged to us, we rejected them as we did not want them nor order them, and have returned them in good faith. The books never changed hands, Grolier own and have responsibility for the items that they sent out that we did not agree to purchase - we stored them and made them available for collection as we had rejected them. As Grolier instructed the courier, we would not expect to receive any documentation about the returns process, and I handed them over to the courier in person. Surely the onus is upon them to trace the items that they had a contract with the courier to collect and recover, and we don't have to prove anything (and of course can't, as we weren't given a receipt for the package)

 

Had we sent the items back ourselves, we would have used an insured and tracked service, and kept proof of postage, and obtained proof of delivery, as we would be taking responsibility for the return - as it stands, we have never had legal responsibility for the items, and the contract to return said items is solely between Grolier and their courier (who did not make themselves known to us, other than stating that they had a parcel to collect for grolier)

 

Further to all this, I can't find any proper terms and conditions on any of the paperwork that they have sent us, including the first invoice - there are things like "you must obtain proof of postage if you return an item to us" - but I haven't returned anything to them, only made it available for collection at their convenience.

 

Do they have a leg to stand on under DSR (cp) regs? Anyone had any dealings with these cowboys?

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I think you can relax over this one Sean.

 

Do still have where it says 'contract to return is soley between Grolier and their courier', if so don't do anything unless they contact you again and then come and post back here.

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Do still have where it says 'contract to return is soley between Grolier and their courier', if so don't do anything unless they contact you again and then come and post back here.

 

I think there's a teeny bit of confusion here - this isn't written down anywhere... it's just clear to me that as I don't even know who the courier company are, no contract can exist between me and them.

 

It has also become apparent that by sending all the books at once and then asking my wife to pay for them by monthly instalments, that they should come a cropper if I do a CCA request, as her indoors can't remember signing anything to this effect (the first lot of books were shipped one at a time, and then invoiced and paid for, so not a credit agreement, but a whole box of books with value stated upfront and paid for over x months clearly is...)

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  • 4 weeks later...

OK, so they sent another demand for payment for the "next instalment" of £4.99 - her balance on this account is £159.68. We don't have the damn books so won't be paying for them - have written them a letter stating that I sent the receipt off a few days after they asked for it, and the onus isn't upon my wife to prove that their courier complied with their instructions.

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Dear Nicola,

 

I enclose a copy of a demand for payment for an unsolicited delivery of a large parcel of books to the address above on 28th May this year (I actually spoke to a representative on the telephone personally, who called me at home, and during the conversation stated that I was not interested in “previewing” this collection at all – they later phoned and spoke to my husband, SeanT, who confirmed that he could act on my behalf, and also stated categorically that I had no interest in receiving these books.) The books were delivered anyway, and delivery of the books was taken by a relative who was at our home, and who had not been instructed to refuse the delivery (which is entirely reasonable, as the aforementioned large parcel was neither welcome nor expected.) This series account number is no longer valid, as I have returned the books as requested, and need do no more to address the issue.

 

I spoke again to somebody from Grolier, by contacting your call centre on the national rate phone number, and arranged a collection of the parcel. The courier failed to turn up, so I contacted you again, and rearranged the collection. A courier arrived after the second attempt to arrange a collection and collected the parcel of books from my husband, who was in at the time. He obtained a receipt for the collection, and told me that the books had gone back with somebody acting on behalf of (and instructed by) your company.

 

I received a letter on 11th August asking for the delivery note, as your company claimed to have failed to receive the returned parcel (which was now in the hands of the courier that you instructed, and thus no longer my responsibility). I contacted you about this letter on 11th August on the (08702) 404385 service to ask why this was necessary, as I had not sent the books back personally, they had been collected. Fortunately, my husband still had this, and duly sent the collection receipt to the address above on 15th August.

 

I trust that this matter is now concluded, as I have complied with your terms and conditions and your requests to prove something that there is nonetheless no onus upon me to prove. Please refrain from contacting me with further demands for payment – I never asked for the great big box of books, never agreed to pay you £159.68 over 32 months for them, and I don’t have them either. I told you that I didn’t want them, both before and after receiving them, and I don’t.

 

Please refrain from sending me any more books, promotional literature or anything else for that matter – please consider this letter a notice of cancellation of any membership that I may hold to your “exclusive club.”

 

Kindest Regards,

Edited by SeanT
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Sean, you have left your real surname in the letter, I'd advise you to edit it. ;-)

 

As regards the books issue, shame you didn't just tell them to sod off in the 1st place, as you don't have to do anything about unsolicited goods at all:

 

Unsolicited Items

 

Under the Unsolicited Goods and Services Act 1971, (as amended) it is an offence to demand payment for goods known to be unsolicited, in other words, they were sent to a person without any prior request made by them or on their behalf.

 

 

Someone who receives goods in these circumstances may retain them as an unconditional gift, and does not have to pay for or return any unwanted goods. Anyone who receives a demand for payment for unsolicited goods should report the matter to their local Trading Standards Department.

 

However, in the case of unsolicited goods received before 1 November 2000, the recipient is required to give notice to the sender to collect them within 30 days, or otherwise to wait for 6 months, before being able to treat the goods as their own property.

Unsolicited Items - BERR
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I would be wary. There is a case against the readers digest some years back which determined what constituted unsolicited in the sense of them knowingly sending out goods. The full name escapes me but there are interesting repurcussions from it. I shall try and dig it out later.

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