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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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      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.
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NDR/Littlewoods - Ignored Payment Offer Letter - Threatening Action


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Littlewoods catalogue has accrued 4 months arrears. My mom has written to them three times , {two of them recorded del} to explain temporary financial difficulties and to try to agree a repayment plan for a short period.

 

We sent them a template letter offering £50 per month and she owes just over £400 in arrears. The letter also requests that interest and charges are frozen.

 

NDR/Littlewoods have ignored her letters and are still adding interest / charges and are now threatening a default notice unless she makes payment or calls them.

 

Since sending her first recorded letter she has kept to her offer of making a payment of £50 every month, which her statements show as received and credited to the account, I dont think its advisable for her to call them and discuss this via telephone but what else can we do as they are ignoring her letter re payment offer and continuing to add charges etc and threaten action. She can and is clearing the debt but just not at the rate they want her to ...........help please x

 

Thanks xx

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You're very wise not to call them masjntt.

Littlewoods are getting a good deal in my opinion receiving £50 per month and if they took your mother to court, the court would only order her to pay what she could afford.

Not sure what's best to do about the fact they are still adding interest/charges, but I'm sure someone else with more knowledge of that aspect will be along to advise you shortly.

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**BUMP** - Please help, they have written again demanding payment or a telephone call to agree a repayment plan advising failure to do so will result in default notice being issued.

 

They have obviously ignored the letter explaining circumstances and offer of £50 per month, what shall we do??

 

Thanks x

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First send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

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How long has she had the account? If she started it before april 2007, ask them for a copy of the credit agreement she signed when she opened the account. chances are she did not sign or if she did they won't have the agreement. If they can't produce it they lose.

 

Lots of people do not know this and they rely on peoples ignorance of consumer credit law, to cajol them into paying more than they can afford. Their greed though is their undoing as it drives people into the the arms of CAG and/or NDL who then inform the catalogue customer of their rights under the CCA 1974.

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Hi masjntt , both cerberusalert and count orlok have given good advice, I too was a customer of littlewoods and due to the ignorant attitude of littlewoods,NDR and other DCAs they used I was eventually driven to find this site and with the advice given was able to prove no agreement (debt can't be enforced). If only Littlewoods had listened they would have still been getting small regular sums towards debt, like most of my other creditors that are being reasonable.

sleepingdog

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Thankyou everyone for your advice x I understand about requesting the CCA to see if its enforceable etc but my mom doesnt owe a great deal, and ideally when she has cleared the debt she wants to be able to continue to use the account, so am not sure if this will be this best route for her to go. She simply wants a temporary repayment plan for a couple of months but getting them to understand that or accept that seems to be mission impossible lol x

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