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    • Hi everyone,  out of the blue my husband yesterday received a call from the employee who lost the key the first time and asked to settle the bill plus court costs. Apparently the boss said that if he didn't pay he would be sacked. My husband asked for this in writing,  got it and payment followed. So we discontinued the claim and marked as settled. Apparently the employee who lost the keys the second time is paying for the other carpenter's bill plus court fees because he'd started court proceedings as well. So, all is solved. Thanks everyone!
    • With thanks. Updated defence.  The Defendant contends that the particulars of claim are vague and 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. 1. Paragraph 1 is noted. I have in the past had financial dealings with Halifax PLC part of the Lloyds Group of Companies but do not recognise the specific account number referred to by Claimant and on which its claim relies. To enable clarification a sec78 request pursuant to the CCA1974 was made dated 11 May 2024. The Claimant provided various documents which appear to be incomplete with page numbers missing and incomplete Terms and Conditions. If this is a copy of the original agreement it appears to be unexecuted by the original creditor. 2. Paragraph 2 is noted. I do not recall receipt of a Default Notice which the Claimant refers to within its Particulars of Claim and on which its claim relies. A CPR 31.14 request was made dated 11 May 2024. To date the Claimant has not provided a copy. 3. Paragraph 3 is noted. Although I had not recalled a copy of the Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) I requested a further copy from the claimant which has since been provided in response to the CPR 31.14 request dated 11 May 2024. 4. Paragraph 4 is noted. It is denied with regards to the Defendant owing any monies to the Claimant, and the Claimant is put to strict proof to: (a) Show how the Defendant has entered into an agreement. (b) Show the nature of the breach and evidence by way of a Default Notice Pursuant to s.87(1) of the Consumer Credit Act 1974. 5. As per Civil Procedure 16.5 it is expected that the Claimant prove the allegation that the money is owed. 6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief.
    • "Testing the stability" ? I suspect the Tesla Map would have picked up that the car was being driven in a car park and the default safety settings required a shut down. Reassuring that Tesla have public safety built in, to try to stop drivers driving in a way that may be risky.
    • Wonder if your friends insurance premiums will be affected?  
    • A friends Tesla shut down for 10 minutes after he was 'testing the stability' in a car park and the info screen reported to him that the vehicle would shut down as it was been driven 'in a dangerous manner' or something similar. He had to sit and wait for it to start again.
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MBNA/Restons claimform - old A+L Card **WON+COSTS**


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Ticked box to defend all,

CPR letter to restons recorded today,

 

CCA letter last thursday, printed off ackowledgemnt of service.

 

So I just wait and see know. 28 + 5 days to file defence,

is that working days, calender or what?

 

so lets see what restons send.

 

I really apreciate this cos i would be lost without this support. :)

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Ticked box to defend all, CPR letter to restons recorded today, CCA letter last thursday, printed off ackowledgemnt of service. So I just wait and see know. 28 + 5 days to file defence, is that working days, calender or what? so lets see what restons send. I really apreciate this cos i would be lost without this support. :)

 

Its 33 days from the date on the claim form, calender days

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Yes, so whatever date is on the claim form, count 33 from there, thats when you must file the defence by.

 

Im helping someone else with the same prob with MBNA/Restons at the mo, ill post the link for you to have a look.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/163425-mbna-settlement-offer-3.html

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Sit back, laugh and file the letter for later.

 

Restons like to send letters like this and I don't know why they do it as the content in is breach of the SRA guidelines.

Especially this letter from the Managing Director no less; normally it's one of their litigation titled employees who manage produce such entertainment.

 

Also beware, Restons employees do like to patrol these forums.

 

But sure as eggs are eggs, once Restons go for a CCJ they'll send you a copy of whatever CCA that MBNA have.

 

However, as they are now acting on behalf of MBNA, Restons are obliged to send you a copy of the CCA.

 

Restons however have done you a favour, as they confirm the account has been terminated which is a fantastic boost when dealing with ineffective default notices.

 

Your default notice would be deemed ineffective if you could prove that the default notice was sent by Second Class post .......or to twist it round - Can MBNA prove the date of service when they post mail by UKMail service ?

That's why I asked if you had kept the envelope as MBNA use UKMail which is deemed a Second Class mail service.

 

Hope this helps.

 

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see post 37, looks like it was first class, but date of default notice is 27/10/08 with payment by 13/11/08 so is it service 2 working days after that, then 14 working days or calender days, or am i clutching at straws

Edited by fairbyblue
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Hi fairby,

 

I've just seen your scan.............Damn; unfortunately it says 1st Class Royal Mail and would not deem your default notice as ineffective.

 

For what it's worth, payment is due 14 calendar days after being deemed delivered; which is two days from the date of letter for 1st Class and four days from the date of letter for 2nd Class. There are some exceptions to this but they wouldn't help for your situation.

 

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Wait and see what comes of your CPR request - it'll arrive in dribs and drabs from Restons.

 

Meanwhile, if you can afford the £10 cost for an Subject Access Request to MBNA, this may flush out the CCA that you need sight of and also to see if any charges have been added to your account that may also make the default notice ineffective.

 

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I have seen in the forum few MBNA's CCA from 2004 and later with all the prescribed terms present. Lets hope yours does not. Never seen one pre 2004 that complies yet.

Edited by tiokim
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Shall I send a CCA to MBNA today as well as I am sending a Subject Access Request there today. And do I sign the letter or print

 

Yes send both if you can afford it, make sure you send them separately by recorded, and keep the receipts, DONT sign just type your name

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Cheers, really aprreciate the help. will go off today.

Hi

 

Restons practice is to go directly for a CCJ regardless of any payment proposals sent to them. Do not be surprised if you receive paperwork within the next week of first contact. If they do not comply with CPR go for an immediate strike - cost is £75 for a court hearing and £45 for a ruling without a hearing. They are sent batches directly from MBNA on a regular basis. Best advice is to challenge claim and make it hard for them regardless, and hope to get a reasonable judge.

 

They will go for a summary judgement but they stupidily demand interest as part of an action that will not be unheld in court, so that can be easily challenged.

 

They will not listen to reason so don't waste time and go directly to court which is exactly not what they want because they lose control and any court will look on your sympathetically if you pay an amount each month which they are currently accepting. Once a CCJ is entered, immediately apply for an Administrative Order which provides protection from other creditors too and stops the debt being traded in the future. It is similar to a PayPlan DMP but is managed by the court providing you protection from all further legal action and would really **** off restons.

 

PS Never sign a letter to them or forward a cheque as they are not beyond doing an RBS - making a document up.

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Hi, I havent recieved anything from Restons since 3/12/08 letter in previous post saying sec 78 has no application in this matter.

That was in response to CCA.

I have had nothing from CPR request. What do i do now. I have also CCA and SAR'd MBNA. and heard nothing

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Just sit tight and see what happens.

 

If I have calculated correctly, your defence needs to be submitted by 30th December ( Please DO check the date of your POC and add 33 days ).

 

Still some time to go yet, however - Restons are pretty ignorant to timescales and written responses.

 

If they don't respond close to the time your defence needs to be submitted then you may wish to plead an "embarrassed defence" ........... but let's if Restons are going to play ball.

 

MBNA have 10 + 2 working days to supply a CCA and they have 40 calendar days to supply the documents requested by your SAR.

 

Hope this helps.

 

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