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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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Barclaycard - Calder Financial


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Just received a letter from Calder Financial demanding payment from recent default notice. I am currently in dispute with Barclay card and requesting original copy of agreement. They have ignored most correspondences thus far from me. Looks like this crowd are a collections and legal debt recovery firm.

 

Basically they mention that I have not compiled with recent default and that my current balance will continue to accure interest and statements will no loner be sent out to me.

 

They also mention that they let credit agencies know (even though it is dispute).

 

Lastly they say if an agreement is not reached by 10th July 2009 a debt collector MAY call OR legal proceedings MAY be taken against me.

 

Anyone dealt with this crowd before?? I will be sending a letter to explain the account is in dispute etc etc.

 

Any advice most welcomed

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The key word is "May" be taken against you......

 

Send off the letters and see what comes back. Also notify them that they are not to ring you or visit you - only written correspondence is acceptable.

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edit this to suit to send to Calder:

 

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter. I look forward to hearing from you in writing.

Yours faithfully,

 

 

Ida x

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Just received a letter from Calder Financial demanding payment from recent default notice. I am currently in dispute with Barclay card and requesting original copy of agreement. They have ignored most correspondences thus far from me. Looks like this crowd are a collections and legal debt recovery firm.

 

Basically they mention that I have not compiled with recent default and that my current balance will continue to accure interest and statements will no loner be sent out to me.

 

They also mention that they let credit agencies know (even though it is dispute).

 

Lastly they say if an agreement is not reached by 10th July 2009 a debt collector MAY call OR legal proceedings MAY be taken against me.

 

Anyone dealt with this crowd before?? I will be sending a letter to explain the account is in dispute etc etc.

 

Any advice most welcomed

 

If the account is in dispute, have you sent them an s10 notice under Data Protection Act.

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Calders and Mercers are actually trading names of Barclays.

If you look at the small print at the bottom of your letter you should see this. Barclays like to pretend that they have passed you onto to a fierce DCA, but in fact it's a shabby little game they play.

Don't be fooled by them.

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Just received a letter from Calder Financial demanding payment from recent default notice. I am currently in dispute with Barclay card and requesting original copy of agreement. They have ignored most correspondences thus far from me. Looks like this crowd are a collections and legal debt recovery firm.

 

Basically they mention that I have not compiled with recent default and that my current balance will continue to accure interest and statements will no loner be sent out to me.

 

They also mention that they let credit agencies know (even though it is dispute).

 

Lastly they say if an agreement is not reached by 10th July 2009 a debt collector MAY call OR legal proceedings MAY be taken against me.

 

Anyone dealt with this crowd before?? I will be sending a letter to explain the account is in dispute etc etc.

 

Any advice most welcomed

 

is it a default notice or notice of default

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