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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Carclays Partner Finance CCA Response Help Please


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Hi there,

 

a few months ago i recieved a default charges notice from BPF even though i had no default of my account and didnt no what it was for so i CCA'd them and here is what i got back...

 

Now i can see it is for an old loan i got of Time/Clysdale finance, this was originally in dispute as they sent me a letter saying they lost my original agreement and to sign another that i ignored, then they sent me another letter (that i lost) saying i had til July 2008 to pay before the interest free peroid is over so i made sure i paid if of by then as you can see from my payment history, however the last person i made payment went back on this and said it expired January even though no charges had been applied and i then refuted and it went to dispute and me and clysdale never spoke again...

 

Basically what im wondering is, is this enforceable, it says they have to supply the T&A on the letter but they haven't?

 

Please any help is greatly appreciated.

 

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Edited by redmanmark86
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It doesnt matter if its enforcable or not.

Only a court has the authority to money off you & that is after a process has been gone though etc...

 

Well BPF hav started calling me now every other week and sending monthly letters, funny enough their last letter said my next installement of 53.72 was due on the 3rd June 2009 and the letter was sent the 1st June 2009 and it confirms my out standing balance to be paid is 1331.56 even though their letter 2 months before states they have added nearly 600 in defaults...

 

so what do i do about getting them of my back?

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They have no legal authority to dictate what you must pay & when, only county court has that power.

Report them to the OFT/trading standards.

Refuse to answer security questions if they phone you.

 

i have done so far, ive just said his not here (im not) and refused to confirm telephone numbers...

 

my main concern is, what happens if they take me to court or the fact this is still sitting on my credit file, just not in default but the amount of 1331.56 is sitting there and i wanna get it removed?

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well the original credit is on my file as its for a loan i got in 2006/200, its not in default and is in clysdale name, and its just sitting there saying i still owe 1331.56 as i refuse to make payments for it because as far as im concernedi paid it of within the interest free peroid. But isnt defaulted and doesnt say ive actually ever missed a payment either.

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