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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Overdraft rate change to 17.9%


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Has anyone else had this change this week, without being given any notice at all? I phoned today and the call centre were largely clueless, although they did confirm that the last time they sent me any correspondence was back in November, pretty much sticking their foot in it.

 

Now excuse me if I'm wrong, but given

 

We may vary these conditions or the interest rates by telling you.

We will do this by sending details about changes either in writing,

or by e-mail, or by display in branches, or by advertisement, or by

secure message, or notice within the Internet Bank. We will normally

give you reasonable notice before any change to these conditions

takes effect unless it is not practical or possible to do so, in which

case we will tell you as soon as we can after the changes take effect.

If a change to these conditions is to your disadvantage we will tell

you about it personally at least 30 days before we make the change.

 

I think it's arguable that increasing the interest rate on my overdraft is a change that is to my disadvantage....

Their website actually goes as far as to say "notice given" at this url - Nationwide Building Society - FlexAccount - Rates & charges,

but states that the change is from 1st Feb anyway.

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I got a letter on the 6th Feb telling me that they were reducing my overdraft by £500 on the 16th Feb giving me 10 days to find £500 at a time when i need it most!!! Also if I can't repay the unauthorised overdraft they will be charging me a rate of 22.9% until I can repay it!!! Thanks Nationwide!!! I am currently looking for the name and address of whoever is in charge of the Nationwide so I can send them an old shirt and a letter stating that they have just took everything else so they might as well have the shirt off my back and all!!! So if anyone could help me out with would be greatly appreciated!!!

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They do this a lot too, and apparently should you not receive the letter in time / at all it's completely your problem, according to the chap I spoke to ("we acknowledge no mistake")

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I was not aware of this change, surely customer should be notified of this? Afterall when they made changes to the counter services they told everyone.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I have just double checked by downloading the online copies of my statements. The only notification was on my statement dated 16/02/09. Retrospective notification, not quite the promised 30 days.

 

Its worth a letter or too, I can also ask why they've sent me marketing lietrature for thier home insurace when I was happy to stay so long as I was offered the same prices quoted on thier website (new customers only).

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I know, retrospective notice what a good idea from my "solid, secure, dependable" buidling society. Hmm I'll compose a masterful letter over the weekend which I'm sure will be answered by a computer.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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They have escalated my complaint (which was made by telephone) - now I just need to phone NCCS again about my other complaint - they reduced the credit limit on my card from 9k to 500 quid without notice, and then told me I could appeal and it "wouldn't affect my credit rating" - so in that case, why is there a fresh search on my experian account from nationwide ("unrecorded enquiry").....

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