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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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1990 student loan problem


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I posted this on the"have you received threatening demands..." thread and it was advised to start my own thread.

 

I've just started receiving letters from a debt collection agency regarding my student loan I took out in 1990 whilst at uni. To the best of my memory I defered paying this twice as I was not earning enough after I graduated, then started paying if off monthly ( around 1995 and it took me about 2 years to clear). However this was 14 years ago so I have no records to prove this! ( I have changed banks and moved address many multiple times including a year out of the country..). From reading this forum I presume it will be a case of the debt being statute barred and letter m should be sent to the vultures ( opps sorry debt collection agency). However I have received a new letter today from the student loans company themselves. It is a notice of default sums and they are charging me a trace agent charge? This is dated 12 june 2009. could someone advise me what to do with this? As I said I am almost positive I paid off my loan in 1995/96 but have absolutely no way of proving this.

 

hope someone can help

Andy

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thanks clemma, I'm just doing the letter to the dca now, and will send to the student loans company as well. That deals with the supposed debt, but what about this new trace agent charge of £16.68 dated 12 june 2009? I know it's a tiny amount and I could pay it easily but it's the principle of paying them for something they never should have charged me! I really am sure I paid the debt off when I had to. Thinking about it last night as I was trying to sleep, I'm sure it was done via the company I was working for and there was a line underneath my tax and nic's line saying student loan.. Unfortunately I just checked all my old payslips and I haven't got any before 2000 so there again I have no proof I paid :o(

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As cerberusalert said ;) It's entirely up to them to prove you owe anything. Once that SB letter has been sent they are not to contact you again, or harass you for payment. If they do, come back here, and someone will advise you of your next step (usually it is just to re-send the SB letter with a covering note).

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Ok letters sent :o) lets see what those lovely people at buchanan clark + wells say....

and is it just me or does it look totally unproffesional that they have their name variously capitalised and all in lower case through out their letter?

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  • 2 weeks later...

wow must be some kind of record here. got a letter from bcw yesterday saying account is closed and passed back to their clients! and after only ONE SB letter!! :o) now lets see how many other dca's this is passed on to before they give up ....

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:D the SLC tend to try it on once and then bin it

 

ida x

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:D the SLC tend to try it on once and then bin it

 

ida x

 

well they just sent me a lovely letter saying they will continue to seek payment and all the sb ( if correct) does is stop them from obtaining a court judgment against me. ummm how else are they going to try and make me pay a debt I have already paid? perhaps i ought to take them up on their oh so kind offer of calling them on a 070 number to arrange a voluntary repayment scheme.... ;o)

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well they just sent me a lovely letter saying they will continue to seek payment and all the sb ( if correct) does is stop them from obtaining a court judgment against me. ummm how else are they going to try and make me pay a debt I have already paid? perhaps i ought to take them up on their oh so kind offer of calling them on a 070 number to arrange a voluntary repayment scheme.... ;o)

 

Send them this and report them to the oft and trading standards once you tell them it sb they MUST STOP ALL COLLECTION ACTIVITY .

 

 

(Address)

 

(Date)

 

Dear Sir / Madam

 

For the purposes of clarity and the avoidance of doubt, please take careful note of the following :

 

1. This letter is sent to you to avoid any “miscommunication” and to give an unequivocal statement of intent.

 

2. This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise.

 

3. I understand this debt was last acknowledged over 6 years ago and falls within the remit of s.5 of the Limitation Act 1980 (which, in case you need reminding, states that an action founded on simple contract shall not be brought after 6 years from the date on which the cause of action occurred).

 

4. I wrote to your company on (XXXXX) explaining that I had no wish to pay towards a debt that was barred by the Statute Of Limitations Act 1980, this was signed for by your company on (XXXXX)

 

5. I am now of the view that your actions are of pure harrassment and in breach of CPUTR 2008 in line with the Office Of Fair Tradings guidance on debt collection.

 

6. The same guidance states it is unfair to pursue a payment after a debtor has already stated they will not be paying due to it being statute barred. I am informing you once again,that even if the debt were mine, I would not pay it.

 

7. I am sure you are also aware of the provisions of the Protection from Harrassment Act, which makes it an offence to harass a person with a demand for payment, or concerting with others to do the same. Whilst the Act provides relief, it is available only where it is permissible in law to take the offending action (which, as pointed out, it is not lawful as it is statute barred), as well as that action being reasonable.

 

OPTIONAL PARAGRAPHS IF A 'DOORSTEP' VISIT IS BEING THREATENED

 

8. You have stated that they would send a debt collector to my address. I refer again to the OFT guidance on this matter, specifically at paragraph 2.12d (entering a property when not invited), 2.12e (failure to leave a property when asked to do so) and 2.12f (visiting or threatening to visit without prior permission when the debt is disputed).

 

9. Furthermore, you are reminded as to the common law provision which allows presumed consent of visiting without prior agreement (Armstrong v. Sheppard and Short Ltd [1959] 2 QB 396). As such, I am notifying you that I do not give consent to you or your agents etc or employees entering my property.

 

For the avoidance of doubt, I do not wish for any person acting in any manner relating to this debt to visit my property nor do I wish to make any appointment. Any person who visits my property in relation to this alleged debt shall be immediately evicted, using whatever force is reasonable and necessary, and I shall have no hesitation in gaining the presence and/or assistance of the police to do so. Furthermore, damages shall be sought under the tort of trespass.

 

I trust the above is perfectly clear and I now expect you to forward me your official complaints procedures within 7 days. Failure to do so will result in me filing complaints with the Offfice Of Fair Trading, The Financial Ombudsman Service, Trading Standards, my local MP, and Gareth Thomas - Undersecretary Of State For Trade And Consumer Affairs.

 

I hope this letter makes my position COMPLETELY clear

yours fathfuly

remember print name and do not sign

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