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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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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      This is good ethical practice.

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Sorry to disappoint but the OFT's Online CCA Register shows that four Arrow Global companies have CCA licences and Arrow Global Limited at least has included consumer credit as one of the categories on its licence.

 

If it had already been terminated prior to the issue of the DN, then a subsequent DN is irrelevant. However, if it had not already been terminated, Arrow Global could - in theory at least - issue a DN.

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I agree that because Arrow have a CCA licence, they could take over the account and in theory issue their own DN. I think this action raises two questions

1. What would Arrow have done if the debtor had remedied the breech ie paid the arrears? Is Arrow Global in a position to continue operating the credit account?

2. Does the Deed of Assignment between MBNA & Arrow allow for 'live' accounts (ie ones where the DN has NOT been issued by MBNA) to be assigned or can only defaulted accounts be sold on? The answer will be in the actual Deed which is not normally provided unless you can persuade the Court that Arrow should disclose. Try getting the Court to order disclosure and see what Arrow's reaction is!

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Okey dokey.. many thanks for your thoughts on that atowzee, docman and VS.

 

OH has an MBNA account which was defaulted, terminated and assigned to Arrow Global LLC who promptly issued an undated default notice. Even the letter suggesting that MBNA had assigned the account to them was undated.. howzat for an own goal:D Fredrickson International were pestering me for repayment on behalf of their client Arrow Global. I thnk I have them sorted out though:rolleyes: I just wanted to know if Arrow could in their own right issue a DN. However, issuing one on a terminated account seems a bit stupid to me whoever issued.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thanks for all your replies guys, although now im more confused than ever, are we saying that arrow are licensed to issue the default notice? if yes have they issued the default notice incorrectly by only giving me 14 days??, if they are licensed what is my next best course of action?, is it trying to get the court to make arrow cough the deed of assignment??

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also i still havn't had a response from arrow\eversheds regarding the cpr.14 request, now yes they have sent me the default notice and signed agreement but that was only because its part of their disclosure list, i still havn't had the deed of assigmnment which was also requested, am i best to use the fact that they havent responded to the cpr.14 as a way of getting the deed of assignment?

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thanks for all your replies guys, although now im more confused than ever, are we saying that arrow are licensed to issue the default notice? if yes have they issued the default notice incorrectly by only giving me 14 days??, if they are licensed what is my next best course of action?, is it trying to get the court to make arrow cough the deed of assignment??

 

Whether they are able to or not. If they havent allowed sufficent time for you to remedy then it is invalid. What other errors are there on there. Is it formatted properly, have they got the correct sum (there should be no charges included).

 

Apart from which, if the account had been terminated before it was assigned to them.. they werent in a position to issue a default anyway, were they ?

 

I think you need the assistance of atowzee, VS and Docman for this one.

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4: Staying Calm About Debt  Read Here

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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can someone take a quick look and see where im best to go from here, do i need to draft up a letter to the courts asking for the deed of assignment to be released or should this go direct to to eversheds/arrow? also can anyone see any other obvious errors they have made, for instance as mbna didnt default the account, can arrow default without giving me the chance to repay, especially seeing as when i was given a chance i haven't missed a payment??

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just stumpled across this which personally i feel anyone thats considering defending a claim should read:

 

Consumer Credit Litigation: Basic Guide - Consumer Wiki

 

like everyone else in the same position i am cacking it if it comes to a court case, but reading the article has really calmed me down and got me focused on what needs to be done and touch wood with the help of some fantastic people on here i should be able to at least push arrow all the way and as its says in the article the worst thats going to happen is that i get a ccj and have to pay the money back, something that i would have had at the very start if i had decided not to defend, at least this way you get to learn something and actually make these idiots earn the money they are trying to take from you!!

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I think it is Arrow's modus operandi to include a Default notice in with the letter advising assignment.

 

But in this instance you say, they have sent the Default notice separately. It doesnt give you the requireded 14 days. I would think yes, you definitely need to know if they are legally able to issue the Default and a letter either from MBNA advising this assignment was going to happen or from Arrow that it had might be nice. After all, how are you to know otherwise.

 

Again, in any case, I dont see how anyone can issue a Default notice on a terminated account. That is what I cant get to grips with.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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cheers citezenb, i definatly didint get a letter saying arrow had taken over the account, so im just drafting a letter to both eversheds and the court to see if i can get them to release a copy of the deed of assignment, i will post them up before sending just to make sure they sound ok

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as always when you need it my scanner has packed in, so im just going to jot down the important bits from the letter, let me know if there is anything else to look out for:

 

the judge has considered both parties statements and has allocated it to the fast track, the trial is set for the 17th of august, standard disclosue by list by the 10/3, request for copy or inspection of documnts by the 17/3.

wittness statements to be served by both parties to each other by 21/4, skeleton arguments at least 3 days before the hearing.

pre trial check list by 24/6.

 

there is a pre trial check list for me to complete, any help would be appreciated, if you get 5 mins surfaceagent have a quick butchers and see what you think, let me know if you need any more info from the letters as i have just listed the headlines.

 

 

I just brought the above down so I could keep a check on the timeline. SOme questions are general questions in the hope you receive answers from other CAGers.

 

Right, you have sent off a holding defence, courtesy of x20. Have you requested inspection of the NOA which was, I think part of their disclosure list. You best check that. If it was then they must let you have sight of it, but you are going to have to ask to see it before the 17th March according to the above. That will prove or disprove Arrow's rights in this lot.

 

Agreement, I cant see any link between the two documents they have sent you, so you are going to have ask for some clarification on that point. I am not sure how you go about that. I will try and track down someone on that point.

 

Right, MBNA had Defaulted and terminated the account before it was assigned/sold/passed on to Arrow. It would be interesting to see a copy of the MBNA default notice, if that was also full of holes could be interesting.

 

Arrow's Default notice definitely was invalid. Incorrect time allowed for remedy. I am also puzzled, they didnt advise the clause you had breached. Just that you had breached and needed to remedy. Dont they have to specify the clause breached.

 

I think yes, you do need to perhaps write to the court/eversheds re the notice of assignment. See my first point made above.

 

Ah, I have just reread your earlier post. Are you saying that MBNA didnt default and terminate the account before Arrow got involved and it was just Arrow that did that.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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as far as im aware MBNA didnt default the account, i had allot of letters stating i was behind on payments and allot of nasty phone calls demanding money, but never a default, i then rec'd a default from arrow and then eversheds got involved at which point i agreed a payment plan of £20 per month, this was increased to £25 when asked, then out of the blue i rec'd a phone from eversheds saying that if i either ddint increase payments to around £200 per month or pay the balance in full then they would take me to court, i expalined to them that i couldnt and after offering them amounts of around £50 which i could barely afford they took me to court, i have also rightly or wrongly continued paying the £25 since then and no payment has ever been missed, find below the draft letters for eversheds and the court to try and get the NOA:

 

 

draft letter to eversheds:

 

Dear Sir/Madam,

With regards to the above case, I notice from your disclosure list that the deed of assignment between MBNA and Arrow Global has not been included in the available documents, as I was not informed at the time that Arrow Global had taken over the account and Arrows particulars of this claim stated that they have a vested interest in the monies owed, this document is needed to prove the validity of Arrows claim to any monies.

A CPR.14 request which was sent to yourselves on the 30th September 2008 has also been ignored, this request legally has to be responded to within 7 days, the request was for a copy of the following documents

1. The agreement

2.The assignment

3.The default notice

As copies of the agreement and default notice have been supplied as part of the disclosure list, I would appreciate it if you could disclose copies of the deed of assignment, again this document is vital to this case as without it Arrow have no rights to claim any monies, I have also sent a request to courts asking for this information to be released, I look forward to your swift response.

 

draft letter to the court:

 

 

In regards to the above case, a CPR 31.14 request was made to the claimant on the 30th September 2008, this request was for vital information namely the original agreement, deed of assignment and the default notice,, the claimant has ignored this request and although I have received a copy of the signed agreement and default notice from the disclosure list, I am still awaiting a copy of the deed of assignment, this document is vital to the case as it is the basis of the claimants original particulars and it is required by myself to check the validity of the claimants claim to any monies owed. I therefore would ask the court to request that the claimant makes this information available so that I’m able to proceed with my defence of this case.

 

 

if someone could cast their eye over these and suggest any improvemnts i would be very grateful.[/font]

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having read through the disclosure list again it does say that they are disclsoing the NOA, although its item number 6 and its says default notice/notice of assignment, so are they saying that they are the same document?? i have read the default notice and the opening line is "we refer to the above agreement which has been assigned to us" is that one line enough to be counted as a DOA, also can they combine the two and it still be legal??

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as far as im aware MBNA didnt default the account, i had allot of letters stating i was behind on payments and allot of nasty phone calls demanding money, but never a default, i then rec'd a default from arrow and then eversheds got involved at which point i agreed a payment plan of £20 per month, this was increased to £25 when asked, then out of the blue i rec'd a phone from eversheds saying that if i either ddint increase payments to around £200 per month or pay the balance in full then they would take me to court, i expalined to them that i couldnt and after offering them amounts of around £50 which i could barely afford they took me to court, i have also rightly or wrongly continued paying the £25 since then and no payment has ever been missed, find below the draft letters for eversheds and the court to try and get the NOA:

 

 

draft letter to eversheds:

 

Dear Sir/Madam,

With regards to the above case, I notice from your disclosure list that the deed of assignment between MBNA and Arrow Global has not been included in the available documents, as I was not informed at the time that Arrow Global had taken over the account and Arrows particulars of this claim stated that they have a vested interest in the monies owed, this document is needed to prove the validity of Arrows claim to any monies.

A CPR.14 request which was sent to yourselves on the 30th September 2008 has also been ignored, this request legally has to be responded to within 7 days, the request was for a copy of the following documents

1. The agreement

2.The assignment

3.The default notice

As copies of the alleged agreement and default notice have been supplied as part of the disclosure list, I would appreciate it if you could disclose copies of the deed of assignment, again this document is vital to this case as without it Arrow have no rights to claim any monies, I have also sent a request to courts asking for this information to be released, I look forward to your swift response.

 

draft letter to the court:

 

 

In regards to the above case, a CPR 31.14 request was made to the claimant on the 30th September 2008, this request was for vital information namely the original agreement, deed of assignment and the default notice,, the claimant has ignored this request and although I have received a copy of the signed agreement and default notice from the disclosure list, I am still awaiting a copy of the deed of assignment, this document is vital to the case as it is the basis of the claimants original particulars and it is required by myself to check the validity of the claimants claim to any monies owed. I therefore would ask the court to request that the claimant makes this information available so that I’m able to proceed with my defence of this case.

 

 

if someone could cast their eye over these and suggest any improvemnts i would be very grateful.[/font]

 

 

Hmm, I wouldnt say you have received a copy of the agreement per se. I would say alleged or puported. We dont actually know if those 2 documents are in fact one there is no link at this stage.

 

The letter to the court I have messed around with a bit. Perhaps you could invite some other comments as well.

 

Dear Court,

 

Case reference

Me v them

 

 

In respect of the above. On the 3oth of December, under CPR 31:14 , I requested the following documents from the claimants:

 

A copy of the agreement which underpins their claim and which wasnt provided with the initial claim form.

The default Notice

Notice of Assignment

 

The request above has to date, been ignored and whilst I have obtained a copy of the Default notice and alleged agreement which formed part of the claimants disclosure list . I am still awaiting a copy of the Deed/Notice of Assignment which wasnt part of that list.

 

This document is vital to the case as it is the basis of the claimants original particulars and it is required by myself to check the validity of the claimants claim to any monies owed. I would therefore ask the court to request that the claimant makes this information available so that I’m able to proceed with my defence of this case.

 

Yours faithfully,

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its a strange one as i think they are trying to say that they are the same document, not sure if that one line constitues a NOA or not, surely arrow should have given me some time to try and arrange a repayment plan before defaulting or it this pretty standard parctice, also i have never had and direct dealings with arrow its always been through eversheds, again is that normal??

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can someone take a look at this as im a little unsure of my next move, does the one line in the DN constitute a NOA as well or do i need to request this as i only have til the 17th to request that document, or would asking them for clarification on the matter be a better way of going, any help would be appreciated

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Why don't you just ask for everything they have on the disclosure list. If there's something missing from the disclosure list, then make sure you make that point at a hearing, especially if it's something crucial to your defence. They can't disclose what they don't have or didn't issue.;)

 

Glad reading up is giving you confidence for going to court. Keep up the good work.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks for that caro, from what i can tell i personally dont think they have put enough in the DN to make it legally allowed to be a NOA as well, i mean one line saying my debt has been allocated to them surely doesnt answer all the points that legally it must have according to the link you gave me, i would appreciate anyone else's comments on this, in the mean time im going to ask them for the NOA, if they come back with the DN again then again i would appreciate anyones comments on weither this helps my case as in theory they havn't given me a legally correct NOA

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No NOA, no enforceable debt, case thrown out, you claim wasted costs. Have you posted the agreement and the DN somewhere on your thread so they can be looked at? If so, can you please put a link to them, or put post numbers. I'm rubbish on this stuff, but others may be able to advise.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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cheers cairo, see attached default notice & agreement, as i said i think arrow/eversheds are trying to say the DN & the NOA are the same document, if someone could have a look and let me know if that is the case then that would be great, in the mean time i will ask them for a copy of the NOA and see what they come back with.

CA.pdf

DN.pdf

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Ok, even I can see that neither of those are any good. I believe the NOA needs to come from MBNA as anyone can SAY they've been assigned a debt. I could write and tell you I've been assigned it, but it wouldn't make it a fact.

 

As for the credit agreement - it isn't one as far as I can see. Where's the interest rate for starters?

 

Is there definitely nothing else?

 

Did you ever send a CCA request to MBNA for the original agreement, because if they can't come up with that, they couldn't assign it to anyone.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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