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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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cabot/halifax


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Cabot bought debt from Halifax 11/08 just as halifax recvd my sar, I have been waiting for documentation since then:)

 

Through the post today a copy of my application form from 1988!!!!! And b*gger me its enforceable:| all prescribed terms on the front, it does refer to other conditions on the reverse. oh dear, looks like the defective Default Notice they sent 18mnths ago comes into play:) yey.

 

They allowed 5 days to rectify and wanted £250 for arrears, cabot have also sent a letter of termination from halifax that i have never had, thanks for that:) They have also sent a mocked up agreement with my newest address and not where i lived at the time of taking the card. Looks like a big battle ahead.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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Cabot bought debt from Halifax 11/08 just as halifax recvd my sar, I have been waiting for documentation since then:)

 

Through the post today a copy of my application form from 1988!!!!! And b*gger me its enforceable:| all prescribed terms on the front, it does refer to other conditions on the reverse. oh dear, looks like the defective Default Notice they sent 18mnths ago comes into play:) yey.

 

They allowed 5 days to rectify and wanted £250 for arrears, cabot have also sent a letter of termination from halifax that i have never had, thanks for that:) They have also sent a mocked up agreement with my newest address and not where i lived at the time of taking the card. Looks like a big battle ahead.

 

But are you sure that it is the origonal. I had one from Halifax that was a cut and paste of an application onto a carrier that had T&C on reverse. They have admitted that it is a reconstruction.

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unfortunately yes. my details, my writing and my luck prescribed terms in with info about general stuff, defo original. Now it is defo a poor copy from microfiche with no terms from the reverse and I am 99.99% certain they couldnt produce it in court. Apart from the DN I have asked for a missing page from the t & c and hope that when they supply it it doesnt have the bit about assigning/selling as its not mentioned anywhere else.

 

It doesnt really matter the defective DN is enough, it was just a shock to get something so old.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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re-reading the agreement they sent it states when giving definitions i.e. the "us", "you" stuff , they say "WE also means anyone who is assigned the benefits of the contract". So it states it can only assign as equitable, which if im not mistaken means they (cabot) can only go to court if Halifax hold their hand.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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  • 1 month later...

Hi Spartathisis, yes, if it's an equitable assignment, Cabot do not have the right to sue in their own name, and from what I hear Cabots assignments are dodgy to say the least. Magda

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Cheers magda, i;m sure that wont stop them trying;)

 

Still not had anything from Cabot, though they are now ringing my mobile approx 6/8 times a day! When answered silence, have reported to Ofcom, but they dont investigate individual complaints.

 

I also reread some of the data screen printouts and found that they had requested they return the account to Halifax:) If only they could/would, account terminated sold on then given back to OC, would like to see how they could explain right to collection on that.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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  • 4 years later...

Can't believe it has been so long since I posted on this thread :D

 

Cabot have been in regular contact and still tell me they are awaiting the information from Halifax (OC) I requested, a page from the T & C'c they sent that related to data sharing and selling the debt to a third party.

 

15 months, I think, to SB. Goes to show that even with what looks like a good CCA there are things that hold the inevitable off.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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I have a halifax Debt with 1st Credit,,Was SB on 18 March,,:) I have had nothing but letters from them in the last few weeks..all offering discounts and payment proposals ,,I will leave it a while then send the SB debt..1st cred have owned this 2 years in July ..Think you can safety say ....Bog Off :)

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My thoughts too. It was strange that they provided everything but the bit about being able to sell it on, or not!

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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