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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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CCJ from CL finance (Howard Cohen)


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I think the court went for judgment without any input from Coward Hohens due to a mix up. Anyway it is set aside now and ten page defence going in tomorrow.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Sorry all went very quiet in fact so very quiet, court dates passed to submit documents etc, etc. I called the Court (mistake, note to never do this again always a letter!!!) enquiring after progress or not. Nothing, this was several months after appearing in court.

A while ago notice from the court to attend for final judgement(again!?) which I could not understand, even more confused:confused:

Pre chambers CL legal produces DN document as requested 8/9 months ago suggesting I had been sent similar.

Obvously could not defend, and there was no proof it was sent.

Judge was firm but allowed their documents as they had also got a copy of the DN (no idea when this arrived though!) so I needed to put forward a defence.

Being a bit blind-sided by the production of DN I have a very short time to put forward an ammended defence or judgement will be made:eek:

 

Anyone offer a shaft of light??

Edited by debtdebtdebt
spelling

Season greetings at Christmas & Happy New Year to all!

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Hi DDD

Do you have a copy of the DN? Is it compliant with the regulations?

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Do we have an application form/agreement here ddd? With ours it was debatable whether it was compliant or not but I have thrown everything I can think of at them. They seem to be very good at waiting in the wings until you think the dust has settled.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks for your help not sure if DN compliant.

I will post it up for closer inspection or expert opinion?

 

Judge made a cursory check of DN and appeared to accept it, could I still challenge if not compliant?

Season greetings at Christmas & Happy New Year to all!

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Goldlady,

Not sure what you mean application form/agreement?

Also not convinced on timing regarding filing documents - could have arrived minutes or 6 months before hearing. It is a copy on a poor fax which was provided to me to view before and a copy given by the court.

 

I know what you mean on the last minute stuff though, I am kicking myself for not having followed up sooner but time passes and things slide - not intentionally of course.

Season greetings at Christmas & Happy New Year to all!

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I have just had another look through the thread. I am still not sure if the application form is an acceptable agreement - it is partially illegible but I suspect it contains all the prescribed terms.

 

When do you have to get the defence in by? And if there is a chance of them getting a judgment, how much are they claiming?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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hi there, i had a simular thing come through the post, i firstly went to the county court web site, http://www.moneyclaims.gov.uk, and filed a defence under the grounds that there where no perticulars of claim, i then wrote to cl finance solicitors cohern asking for all the information relating to the claim that they have submitted, this was 2 months ago and still waiting for a response, second letter sent and yes still no response.

whilst waiting for a response, the case was transfered to my local court, i explained in the pack that they sent that i had no idea what the claim was for as i had no perticulars of claim disclosed to me, i have now received a letter from the court saying that they have written to the claimant and they have until 4pm on tuesday 15th dec to supply all the perticulars of claim or they will , void the claim.

sudgest

1) file you defence-especially if you have no perticulars of claim detailed on the court papers.

2)write to cohern/cl finance asking for all details relating to the claim, there are template letters available in the forums.-send next day and keep all proofs of posting, special delivery actually gives proof of delivery with name and signature.

3)respond to all letters you get from the court.

4)if no response from cohern cl finance send a second letter with the first enclosed, by the way don't sign any letters.

 

hope that helps...

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Goldlady,

I would like to have defence complied and ready to send for Monday (very short time I know), I will post up DN for closer inspection.

I guess if my defence is not well founded they could get a judgement. So far they have not made anything easy I have to asume it will be pressed to a result and go all the way if required:(

Claim is for less than £1500.00

Season greetings at Christmas & Happy New Year to all!

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srandall88, All I can say is well done to you;)

My actions all follow the correct procedures as listed in the thread, we will have to see where this one goes I guess. I attended court hoping for a more favorable result. Production of documents was not expected....plus court accepted them. Guess I file and we see....but DN will be up shortly for all to cast an experienced eye over....:(

Edited by debtdebtdebt
typo

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hi there

this is what section 87 of the consumer credit act 74 says with regards to a default

 

 

87.—(1) Service of a notice on the debtor or hirer in accordance with section 88 (a "

default notice ") is necessary before the creditor or owner can become entitled, by

reason of any breach by the debtor or hirer of a regulated agreement,—

(a) to terminate the agreement, or

(b) to demand earlier payment of any sum, or

© to recover possession of any goods or land, or

(d) to treat any right conferred on the debtor or hirer by the agreement as

terminated, restricted or deferred, or

(e) to enforce any security.

(2) Subsection (1) does not prevent the creditor from treating the right to draw

upon any credit as restricted or deferred, and taking such steps as may be necessary to

make the restriction or deferment effective.

(3) The doing of an act by which a floating charge becomes fixed is not

enforcement of a security.

(4) Regulations may provide that subsection (1) is not to apply to agreements

described by the regulations.

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further more the default notice must be as detailed below.

 

88.—(1) The default notice must be in the prescribed form

and specify—

(a) the nature of the alleged breach;

52

(b) if the breach is capable of remedy, what action is required to remedy it

and the date before which that action is to be taken;

© if the breach is not capable of remedy, the sum (if any) required to be

paid as compensation for the breach, and the date before which it is to be paid.

(2) A date specified under subsection (1) must not be less than seven days after the

date of service of the default notice, and the creditor or owner shall not take action

such as is mentioned in section 87(1) before the date so specified or (if no requirement

is made under subsection ( 1)) before those seven days have elapsed.

(3) The default notice must not treat as a breach failure to comply with a provision of

the agreement which becomes Operative only on breach of some other provision, but

i£ the breach of that other provision is not duly remedied or compensation demanded

under subsection (I) is not duly paid, or (where no requirement is made under

subsection ~1)) if the seven days mentioned in subsection (2) have elapsed, the

creditor or owner may treat the failure as a breach and section 87(1) shall not apply to

it.

(4) The default notice must contain information in the prescribed terms about the

consequences of failure to comply with it.

(5) A default notice making a requirement under subsection (1) may include a

provision for the taking of action such as is mentioned in section 87(1) at any time

after the restriction imposed by subsection (2) will cease, together with a statement

that the provision will be ineffective if the breach is duly remedied or the

compensation duly paid.

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Just for clarification,

 

What date did the requirements of the DN change from 7 days to 14 days?

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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got an old calender

 

its a total of 16 days notice from date on letter

 

thats 14 plus 2 for service

 

looks short to me

 

 

DID IT HAVE THE CREDITORS AND YOUR NAME AND ADDRESS ON THE DEFAULT NOTICE

 

I have marked out my specific details - address, account no. and sums involved. So that is a definite 'no' but it is listed on paper that is 'so-say' from the Creditors - GE Money. Possible strike 1

 

I took a look at the calendar as suggested, the day is Thursday 23rd March 2006 to 6th April 2006 is excatly 14 calendar days which is too short. Thanks for that, well spotted. Possible strike 2

Season greetings at Christmas & Happy New Year to all!

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This DN was issued quite a long time, before recent events that lead to this action. That is to say we had resolved difficulties at that time, but I will need to confirm with my own records on this. Does this make any difference that the action was taken...or not.... to remedy the situation within pescribed dates?

 

Further to this I understand the issue of a (compliant) DN is applicable regardless of date, just the fact on has been issued is enough to enforce at a later date?

Season greetings at Christmas & Happy New Year to all!

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Can anyone advise....I feel sure its fails but wanted to get an opinion if I am barking up the wrong tree identifying attributes that cause this DN to be non-compliant?

 

Date - does not allow for the posting days (2 working days for First class/4 for Second class post) should be 2/4 + 14?

 

Secondly- although the DN is on headed paper sent by the Creditor it does not preclude the need that it must clearly contain my name & address and the name and address or the creditors. It does not.

 

Finally - specific wording & usage of bold / underlining and its specific purpose to highlight important facts.

 

Any comments....please?

Edited by debtdebtdebt
typo

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Correct on all three points Debt.

 

 

Andy;)

We could do with some help from you.

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Andy,

Much appreciated on that;)....you know when you just need that little nudge.

 

Any comments on the fact DN was issued way back...in fact 2 years before recent events...or am I correct in the understanding only 1 (compliant DN) can be issued before termination?

 

Appreciated:)

Season greetings at Christmas & Happy New Year to all!

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Good news postggj.

If you can post a link that would be very much appreciated as a point of ref please:)

 

If it helps others here is reference to info to confirm my findings....

http://www.uk-legislation.hmso.gov.uk/si/em2006/uksiem_20063094_en.pdf

 

Appears my original defence applies, the DN is not compliant.

Edited by debtdebtdebt
typo

Season greetings at Christmas & Happy New Year to all!

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