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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?
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    • 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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Court Action for Default Linked to Unlawful Charges


Tobes
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Hi guys,

 

 

If someone were to make a court claim for unlawful charges, not including mention of a default which it could be argued was pretty much brought about by said charges, which went on to be settled out of court with no liability accepted could they after that bring a new claim to have said default removed because of those penalty charges... i.e. the argument of the claim would be that the charges were unlawful and led to the default and so it should be expunged...Would that be possible? If so, with the proper wording, the bank/CC company would be having to face the same argument possibly in court again and so I assume would be just as reluctant...Or would a judge see it as too similar a claim or too late, that you should have included it in the first claim...What do you think?!

 

Cheers :)

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Any reason why it wouldn't be included with the claim for the bank charges back?

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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You can bring whatever claim you want as long as you pay the fee..... You pays the money you takes the chance...

 

Still don't see the point of not including it in the first instance.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Oh.... I should mention that if you make a habit of bringing claims, you face the risk of being put on the Vexatious Litigants Register.

 

Vexatious litigation is legal action which is brought, regardless of its merits, solely to harass or subdue an adversary. It may take the form of a primary frivolous lawsuit or may be the repetitive, burdensome, and unwarranted filing of meritless motions in a matter which is otherwise a meritorious cause of action. It is considered an abuse of the judicial process and almost always brings down sanctions on the offender

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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You can bring whatever claim you want as long as you pay the fee..... You pays the money you takes the chance...

 

Still don't see the point of not including it in the first instance.

 

The point was that I am completely new to the making of claims and am therefore very wary of possibly over-complicating them, that my credit record is as low as it gets and so I wasn't particularly bothered about defaults, rather the money that was taken from me, that from reading this forum it seemed that the banks were more stubborn and unyielding in relation to credit record matters than actual penalty charges, that as a total lay person I am perfectly entitled to making mistakes...Is that enough? The point of this thread was not to debate whether default matters should be included in the same claim but to discover whether it was possible and valid to make a separate claim if the matter of default was not included. OK?

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Now then... wouldn't it have been easier if you had said that in the first place?

 

And sorry if it's not reassuring for you... would you have preferred it if I had lied?

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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The point of this thread was not to debate whether default matters should be included in the same claim but to discover whether it was possible and valid to make a separate claim if the matter of default was not included. OK?

 

The simple aswer is.....YES.

 

You would have to show that the default was a direct result of unlawful charges.

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You completely lost me with the last post but I can see what you are saying and can see what the mod is saying.

 

The faqs explain why its better to do it this way than that.

I am not saying you havnt read the faqs but the mod was asking why you dont want to address the 2 issues together they are presumably both connected as you say.

 

There are temp letters here that address both in the same vein and the fact that you are asking if they can be dealt with sep begs asking the question the mod asked you.If you arent bothered about a default and the possibility of removing it then thats your choice but you are not really being clear enough.

 

I wonder if you maybe are thinking that tackling the default side may delay the money side is this youre ask ?

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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Now then... wouldn't it have been easier if you had said that in the first place?

 

And sorry if it's not reassuring for you... would you have preferred it if I had lied?

 

Erm, I do not see why, since I asked a clear question and I considered your question to be irrelevant, which it was. You were totally missing the point.

 

As to reassurance, I was being ironic, my dear.

 

You could not possibly be labelled as such a litigant for one claim. If you use your brain for three miliseconds, you would be able to comprehend that for such a claim to be made the original claim would have been settled out of court and therefore cancelled anyway.

 

Your posts have been really unhelpful and you seem to have some kind of attitude with me which I do not appreciate in the slightest. I'd rather you stopped posting on this thread if you don't mind.

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I think the balance would be that it had to be a major contributing factor. The best place to look is under "DPA/Defaults" under "Legalities". However, it seems to be thought that where the default amount included more than 50% of unlawful charges, then it would be reasonable to expect removal - less than 50% and the chances of getting a judge to agree would proportionately diminish.

 

Obviously it is better to deal with the default at the same time as dealing with the financial claim - the problem you have is that the grounds for removal of the default are primarily exactly the same. This means you will be having to issue a claim on almost identical grounds as your first claim - albeit over a different issue.

 

 

 

 

 

 

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Your posts have been really unhelpful and you seem to have some kind of attitude with me which I do not appreciate in the slightest. I'd rather you stopped posting on this thread if you don't mind.

 

My pleasure...

 

But hey... good luck

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Phew......Alan where have you been ?

 

:)

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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You completely lost me with the last post but I can see what you are saying and can see what the mod is saying.

 

The faqs explain why its better to do it this way than that.

I am not saying you havnt read the faqs but the mod was asking why you dont want to address the 2 issues together they are presumably both connected as you say.

 

There are temp letters here that address both in the same vein and the fact that you are asking if they can be dealt with sep begs asking the question the mod asked you.If you arent bothered about a default and the possibility of removing it then thats your choice but you are not really being clear enough.

 

I wonder if you maybe are thinking that tackling the default side may delay the money side is this youre ask ?

 

Thanks for trying to help but I asked the original question in that way because I have already issued a claim without mentioning defaults and I'm now trying to decide if I should persue the matter of defaults and so I need to find out if I still can or if I've closed that avenue...Site Helper guy didn't seem able to comprehend this...I did read the FAQs and at the time I decided not to persue the default angle because it seemed quite complicated to include everything in one claim plus I couldn't fit it all in when using the online Moneyclaim system anyway!

 

I guess he wanted to rub my nose in it for possibly making a mistake? :rolleyes:

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I think the balance would be that it had to be a major contributing factor. The best place to look is under "Data Protection Act/Defaults" under "Legalities". However, it seems to be thought that where the default amount included more than 50% of unlawful charges, then it would be reasonable to expect removal - less than 50% and the chances of getting a judge to agree would proportionately diminish.

 

Obviously it is better to deal with the default at the same time as dealing with the financial claim - the problem you have is that the grounds for removal of the default are primarily exactly the same. This means you will be having to issue a claim on almost identical grounds as your first claim - albeit over a different issue.

 

Thanks for clarifying the issue, Alan :D

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Tobes I made the same mistake in that I was not aware who actually listed the thing on my credit file till after I saw the report.

The dpa did not show me that.

I have since sent an additional letter that is running alongside my lba.

You can of course deal with this in accepting any settlement by making it a comdition.

Theres a lot of stuff getting discussed off the claimforms.

 

A bit of advice tho...if they do agree to remove the default make sure you get it in writing as there was a case where they agreed but later renagued

 

 

:)

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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I guess he wanted to rub my nose in it for possibly making a mistake? :rolleyes:

 

At which point was I trying to rub your nose in it? I simply wanted the full story before advising anything.

 

I tell you what, I am here as a volunteer dealing with [EDITED] like you but not any more.... it really isn't worth the hassle.....

 

[EDITED: Let's not get personal, please]

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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At which point was I trying to rub your nose in it? I simply wanted the full story before advising anything.

 

I tell you what, I am here as a volunteer dealing with [EDITED] like you but not any more.... it really isn't worth the hassle.....

 

So you're being lovely and kind and altruistic going around calling people [EDITED] are you?

 

Where does arrogance come in to it? I've admitted I've possibly made a mistake with dealing with my claims in the way I have and I am asking for help, how does that equate to arrogance?

 

[EDITED]

 

 

[EDITED: Let's not get personal, please]

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