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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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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barty V Lloyds Tsb ***WON***


BARTY
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I have just posted my DPA letter. I reckon there will be £2000 at the most of charges. I'm a bit nervous of what's going to happen, but I'm getting a lot of inspiration from this site which helps.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Spend your time reading around. Because of the McNamara recording which we have in the Library, Lloyds should be one of the easiest banks to knock down if they decided to go to court.

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  • 3 weeks later...

Still not had anything back from Lloyds Tsb, so emailed them and they say they have not received the letter. So I have emailed them a copy of the original letter. Oh well, I'll just have to wait some more!

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi barty

did you sen dit recorded delivery, I do everything by post once its in the letter box, its sent..

many years ago at college, i learnt that once you place it in the letterbox its in your favour as legaly sent and recorded is better as you know! they have got it.

 

Not sure if this has changed now,would like to know if it has.

 

jules ;-)

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I too have sent a dpa to lloyds tsb but have yet got no reply. Anyone got the email address for them? Wish i had done recorded delivery as i have lost £10 pounds now. The letter was posted 2 wks ago.

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Still not had anything back from Lloyds Tsb, so emailed them and they say they have not received the letter. So I have emailed them a copy of the original letter. Oh well, I'll just have to wait some more!

Did you send £10?

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I too have sent a dpa to lloyds tsb but have yet got no reply. Anyone got the email address for them? Wish i had done recorded delivery as i have lost £10 pounds now. The letter was posted 2 wks ago.

Why have you lost it? Did you send it cash?

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Sent Dpa to lloyds Tsb BX1 1LT which i now have learnt is a call centre, i got it off the online banking page it said any complaints should be sent here. I have tried to see if any1 could tell me if they recieved my letter but noone has a clue. I have now sent it recoreded delivery to my local bank, (another £10) this was yesterday, the manageress rang me today asking why i wanted the D.P.A and "had i something against any member of staff". I said i just want it for curioisty and thats all. After reading all posts now i realise i should have sent DPA somewere else to start with. But i am assured it is now being sent to the correct department. I love this forum as it could probably sling me a single dad who is strungling a life line. I reckon my charges over 6 years will be in excess of 6k.

 

Thanks people in advance for all help as you wouldn`t believe just how much you are helping.

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  • 3 weeks later...

Finally received my statements and lists of charges today, I haven't had chance to have a good look yet, but I will do tonight when kids are in bed. I'm looking forward to getting on to the next stage.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Right I have sent the Preliminary letter today by recorded delivery, I'm claiming £1427. I expect to receive the standard reply as most others have. 14 days and counting!!!

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi

Well I received the letter today (very quick reply!), standard letter like all the rest. Now do I still have to give them the 14 days or can I send the Letter Before Action straight away? I have read quite a few differing opinions on this.

Thanks in advance.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Yep loads of differing advice on this one...

 

my stance is wait!

 

You have nothing to lose by waiting and if you get to court (very unlikely) and can show you give them the alloted 14 to 'change their minds' then this will count in your favour.

 

I would prepare your LBA dated 9 May and have it sitting waiting to send. It is only just over a week away. Spend the time hugging yourself and feeling good that you should be receiving some of your hard earned cash back very soon!

 

LOULA

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  • 2 weeks later...

LBA sent today by recorded delivery, I notice there is quite a few of us sending one out around this time, it'll be interesting to see who gets a reply first.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 3 weeks later...

I dont know how much i can say but if it is anything to do with what i have just gone through i found that they seem to acknowledge your claim on the moneyclaim website then the following day you get a letter from them offering a refund.

 

 

 

If you find this info useful please click on the scales in the top right hand corner of the thread ;)

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  • Confused 1

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

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Paid In Full Cetelem £130 Settled

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PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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I dont know how much i can say but if it is anything to do with what i have just gone through i found that they seem to acknowledge your claim on the moneyclaim website then the following day you get a letter from them offering a refund.

 

 

 

If you find this info useful please click on the scales in the top right hand corner of the thread ;)

 

Not my experience; I filed on 8 May 06, they acknowledged on 15 May 06 and I'm still waiting for a defence/questionnaire!

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  • 2 weeks later...

Lloyds TSB have acknowledged the claim on 7th June, they intend to defend all of the claim, so they have until 3 July (is that right, 28 days from 5th June when claim was served??) to file their defence.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 3 weeks later...

Just a quick update, well not really as nothing has happened yet, I have not received the defence from Lloyds TSB and they only have until Monday. Do you think there is any chance of them not entering a defence and me winning by default? I bet they are just keeping me waiting til the last minute.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Given that over the last couple of days Martineau Johnson seem to have handed off claims for Seharchi Clark and Mitchell to do instead, I'm guessing both solicitors are probably very busy and yours may have slipped past them. They've effectively only got two days to get their defense through with the weekend... you could be in luck :)

  • Confused 1

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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