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    • 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.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Sygma Bank UK vs me


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Had you sent a SAR to them and did you receive a copy of that screen print amongst the data they supplied ?

 

If so, compare them:)

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Darn it, that means they could include the screen print above.. never mind it was a thought :)

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As regards the DN, I think you put them to strict proof that one was sent with all the requirements and dates

 

- and when they come out with 'this is a copy from our systmes, you point out their inconsistency by exhibiting two different copy DNs. You also then point out the deficiencies in both DNs.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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As regards the DN, I think you put them to strict proof that one was sent with all the requirements and dates

 

- and when they come out with 'this is a copy from our systmes, you point out their inconsistency by exhibiting two different copy DNs. You also then point out the deficiencies in both DNs.

 

They are due to file by tomorrow, I will see what happens. :)

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andyorch has been helping you on this hasnt he ?.. lets see if we can send out a search party for him :D

 

If I recall correctly,the DN was invalid wasnt it ? Also their attempt to settle wasnt particularly enthusiastic:rolleyes:

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

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Hi stleonards tis me again

 

Ok the Claimants are going to try for SJ in the event that you do not file a fully particularised defence by said date.That is in their proposed Directions.What did you request in yours?

You now need to wait for the Courts Order Allocation Notice advising of track and Directions.The above is not set in stone until this is recieved but you need to be vigilant and prepare your argument should the DJ go with the Claimants proposed Directions.

Keep an eye out for the above and if the Claimants Directions are allowed watch out for dates and any further applications made with respect to Summary Judgement.

 

Regards

 

Andy

Edited by Andyorch
  • Haha 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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andyorch has been helping you on this hasnt he ?.. lets see if we can send out a search party for him :D

 

If I recall correctly,the DN was invalid wasnt it ? Also their attempt to settle wasnt particularly enthusiastic:rolleyes:

 

:D We really must stop meeting like this CB others will start talking!!!

 

Regards

 

Andy

 

PS see above post

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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:D We really must stop meeting like this CB others will start talking!!!

 

Regards

 

Andy

 

PS see above post

 

LOL, yes I was out doing my basset hound impression when you snuck in :D

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Andy :)

Hi stleonards tis me again

 

Ok the Claimants are goig to try for SJ in the event that you do not file a fully particularised defence by said date.That is in their proposed Directions.What did you request in yours?

 

The Claimant shall within 14 days of service of this order file and serve the following:

 

  • Copies of the Credit Agreement and any documents referred to within it which complies with the consumer Credit Act 1974 and all subsequent regulations, which the claimant seeks to rely upon
  • Default Notice compliant with s87 (1) Consumer Credit Act 1974 and Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) as amended,
  • Document, contract or deed of assignment
  • Notice of assignment, with proof of service of the same compliant with s196 of the Law of Property Act 1925.
  • Copies of any statement or other document relied upon

If the Claimant fails to comply with this order, the claim will be struck out without further order.

 

The Defendant shall within 14 days thereafter file and serve the following

 

  • An amended defence sufficiently particularised in response to the documents supplied by the claimant

If the Defendant fails to comply with this order, the Defence will be struck out without further order.

 

You now need to wait for the Courts Order Allocation Notice advising of track and Directions.The above is not set in stone until this is recieved but you need to be vigilant and prepare your argument should the DJ go with the Claimants proposed Directions.

Keep an eye out for the above and if the Claimants Directions are allowed watch out for dates and any further applications made with respect to Summary Judgement.

 

Regards

 

Andy

I am as vigilant as vigilant can be and I have a basset hound on alert :D

 

I will ring the Court every day, they really are quite helpful.

 

Thanks again.

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Woof, woof :D:D

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Hi again,

 

I have received a letter from the court today, it's here

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/sygmacourt.jpg

 

It states:

 

IT IS ORDERED THAT

 

1. Unless the defendant file and serve a fully pleaded defence, disclosing real grounds for disputing the claim by the 14th October 2009 the defense will be struck out and the Claimant is entitled to enter judgement for the full amount claimed, interest and costs.

 

That's it, short and direct. No other letters have arrived in the meantime.

 

So I guess I need to submit a fully pleaded defence.

 

Thaks.

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Hold on a sec.. how come the order didnt contain the other part to make the claimant provide you with documents not received ??

 

Yes, it looks as though you are going to have to enter a more detailed defence otherwise the DJ is going to let the claimant have the judgement by default.

 

:mad::mad::mad:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Can you point me to a copy of the DN and the CCA.. regardless of whether they are readable.:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CB,

 

I must admit to being a bit taken aback at that letter from the court, anyway,

 

The CCA is here

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/CCA.jpg

 

The first Default Notice they sent is here

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/default1.jpg

http://i645.photobucket.com/albums/uu180/stleonards_2009/default2.jpg

 

The Second DN they sent is here

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/SecondDN0002.jpg

http://i645.photobucket.com/albums/uu180/stleonards_2009/SecondDN0003.jpg

 

I still cannot read the CCA, either printed out or magnified on the computer or any other way, my neighbour who is a bit of a whiz with Photoshop has been trying to focus it and make it readable but he can't, even after scanning it in at an ultra high resolution.

 

Thanks for your help.

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It looks like you will have to file a fully argued defence stating

1. CCA supplied is not compliant nor legible

2. DN is defective in that it

(a) doesn't contain all terms and

© have any dates as required for service

3. IF transferred to Sygma,

(a) DN identify creditor sufficiently and

(b) no notice of assignment.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Are these Default notices you have actually received or are they templates they are saying you Would have received ?

 

What are the supposed dates of sending and remedy dates ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok couple of points...

 

This was for a JJB card, Creation Financials handle the cards for JJB apparently, how that links in with Sygma I have no idea...

 

It "looks" like they are claiming post judgement interest, as per the POCS "continuing until judgment or payment"

If this is the case then they needed to have added a warning on either the default notice or the termination notice as I understand it.....

 

This is from the CCA2006 amendments to the CCA1974 Act...

 

130A Interest payable on judgment debts etc.

(1) If the creditor or owner under a regulated agreement wants to be able

to recover from the debtor or hirer post-judgment interest in connection

with a sum that is required to be paid under a judgment given in

relation to the agreement (the ‘judgment sum’), he—

(a) after the giving of that judgment, shall give the debtor or hirer

a notice under this section (the ‘first required notice’); and

(b) after the giving of the first required notice, shall give the debtor

or hirer further notices under this section at intervals of not

more than six months.

(2) The debtor or hirer shall have no liability to pay post-judgment interest

in connection with the judgment sum to the extent that the interest is

calculated by reference to a period occurring before the day on which

he is given the first required notice.

(3) If the creditor or owner fails to give the debtor or hirer a notice under

this section within the period of six months beginning with the day

after the day on which such a notice was last given to the debtor or

hirer, the debtor or hirer shall have no liability to pay post-judgment

interest in connection with the judgment sum to the extent that the

interest is calculated by reference to the whole or to a part of the period

which—

Consumer Credit Act 2006 (c. 14) 13

(a) begins immediately after the end of that period of six months;

and

(b) ends at the end of the day on which the notice is given to the

debtor or hirer.

(4) The debtor or hirer shall have no liability to pay any sum in connection

with the preparation or the giving to him of a notice under this section.

(5) A notice under this section may be incorporated in a statement or other

notice which the creditor or owner gives the debtor or hirer in relation

to the agreement by virtue of another provision of this Act.

(6) Regulations may make provision about the form and content of notices

under this section.

(7) This section does not apply in relation to post-judgment interest which

is required to be paid by virtue of any of the following—

(a) section 4 of the Administration of Justice (Scotland) Act 1972;

(b) Article 127 of the Judgments Enforcement (Northern Ireland)

Order 1981;

© section 74 of the County Courts Act 1984.

(:cool: This section does not apply in relation to a non-commercial agreement

or to a small agreement.

(9) In this section ‘post-judgment interest’ means interest to the extent

calculated by reference to a period occurring after the giving of the

judgment under which the judgment sum is required to be paid.”

 

 

 

S.

 

Hello again,

 

I received a reply from Drydens today and have put the two pages of the letter here:

http://i645.photobucket.com/albums/uu180/stleonards_2009/drydensletter1.jpg

http://i645.photobucket.com/albums/uu180/stleonards_2009/drydensletter2.jpg

 

I think it speaks for itself, basically they are not going to give me anything and I should pay them now.

 

Thank you.

 

Hi,

 

I did a CPR request on 2nd July and got this letter back:

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/drydenscpretter.jpg

 

with the unreadable agreement and the template default notice, should I do another CPR?

 

Sorry it takes a while to reply but I don't have the technical ability with the scanning and cleaning of documents and have to rely on a helpful neighbour.

 

Thanks again.

 

The screen prints they provided to you do show reference to a DN being sent.. but in 2009 and not December 2008 which they claim.

 

Are you able to hand deliver the defence to the court when it is completed ? Just trying to get an idea of when this needs to be done by.

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Are these Default notices you have actually received or are they templates they are saying you Would have received ?

 

I never received Default Notices, these are templates that they say relate to Default Notices allegedly sent to me. along with "Please note our client does not retain copies of specific default notices, however, records are maintained as to when these have been produced and sent."

 

What are the supposed dates of sending and remedy dates ?

 

The first DN with all the XXXXX's was allegedly sent on 11 December 2008, the second arrived with a letter dated 2 September 2009 stating "From a review of our papers, we believe that we may have previously provided you with an incorrectly headed template copy of the Default Notice. Our client has now provided us with a correct copy of the template Default Notice and we now enclose a copy of the same, by way of service upon you."

 

Remedy dates? I do not know because these templates are all I have ever received.

 

Thanks

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Just to reiterate my post 58

 

Hi stleonards tis me again

 

Ok the Claimants are going to try for SJ in the event that you do not file a fully particularised defence by said date.That is in their proposed Directions.What did you request in yours?

You now need to wait for the Courts Order Allocation Notice advising of track and Directions.The above is not set in stone until this is recieved but you need to be vigilant and prepare your argument should the DJ go with the Claimants proposed Directions.

Keep an eye out for the above and if the Claimants Directions are allowed watch out for dates and any further applications made with respect to Summary Judgement

 

 

You need to check with you CC and ask about the Allocation Notice and your proposed Directions.Dont start drafting an amended defence just because they say so in their Directions,the DJ will view both sets and issue directions and also track vis a vis the Allocation Notice.Chase it up now!!!!!

 

 

Regards

 

Andy

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Ok, so we dont know when the dates of these DNs are and whether they gave you sufficient time to remedy them.

 

I am just popping informatin here so I can find it again later on.

 

The Need for a Default notice

 

19. It is neither admitted nor denied that any Default Notice in the prescribed format was ever received and the Defendant puts the Claimant to strict proof that said document in the prescribed format was delivered to the defendant.

20. Notwithstanding point 18, I put the claimant to strict proof that any default notice sent to me was valid. I note that to be valid, a default notice needs to be accurate in terms of both the scope and nature of breach and include an accurate figure required to remedy any such breach. The prescribed format for such document is laid down in Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) and Amendment regulations the Consumer Credit (Enforcement, Default and Termination Notices) (Amendment) Regulations 2004 (SI 2004/3237)

 

21. Failure of a default notice to be accurate not only invalidates the default notice (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255) but is a unlawful rescission of contract which would not only prevent the court enforcing any alleged debt, but would also give rise to a potential counterclaim for damages where damage occurs to my credit rating (Kpohraror v Woolwich Building Society - [1996] 4 All ER 119)

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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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Hi again,

 

I have received a letter from the court today, it's here

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/sygmacourt.jpg

 

It states:

 

IT IS ORDERED THAT

 

1. Unless the defendant file and serve a fully pleaded defence, disclosing real grounds for disputing the claim by the 14th October 2009 the defense will be struck out and the Claimant is entitled to enter judgement for the full amount claimed, interest and costs.

 

That's it, short and direct. No other letters have arrived in the meantime.

 

So I guess I need to submit a fully pleaded defence.

 

Thaks.

 

Andy, the court have ordered St leonard to submit a fully partiuclarised defence by the 14th October.

 

It would seem as though the DJ has totally disregarded the Draft Order she submitted with her AQ and relied soley on the DO from the Other side. :(

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just to reiterate my post 58

 

Hi stleonards tis me again

 

Ok the Claimants are going to try for SJ in the event that you do not file a fully particularised defence by said date.That is in their proposed Directions.What did you request in yours?

You now need to wait for the Courts Order Allocation Notice advising of track and Directions.The above is not set in stone until this is recieved but you need to be vigilant and prepare your argument should the DJ go with the Claimants proposed Directions.

Keep an eye out for the above and if the Claimants Directions are allowed watch out for dates and any further applications made with respect to Summary Judgement

 

 

You need to check with you CC and ask about the Allocation Notice and your proposed Directions.Dont start drafting an amended defence just because they say so in their Directions,the DJ will view both sets and issue directions and also track vis a vis the Allocation Notice.Chase it up now!!!!!

 

 

Regards

 

Andy

 

Now I am confused :confused::confused:

 

This isn't from their Directions, It is a General Form or Judgement of Order from the District Judge at the Court stating:

 

"IT IS ORDERED THAT

 

1. Unless the defendant file and serve a fully pleaded defence, disclosing real grounds for disputing the claim by the 14th October 2009 the defense will be struck out and the Claimant is entitled to enter judgement for the full amount claimed, interest and costs."

 

As I said, no other documents have arrived.

 

It is here:

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/sygmacourt.jpg

 

I am off to the Court now to ask about the Allocation Notice and my proposed Directions.

 

Thank you.

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This isn't from their Directions, It is a General Form or Judgement of Order from the District Judge at the Court stating:

 

"IT IS ORDERED THAT

 

1. Unless the defendant file and serve a fully pleaded defence, disclosing real grounds for disputing the claim by the 14th October 2009 the defense will be struck out and the Claimant is entitled to enter judgement for the full amount claimed, interest and costs."

 

As I said, no other documents have arrived.

 

It is here:

 

http://i645.photobucket.com/albums/uu180/stleonards_2009/sygmacourt.jpg

 

I am off to the Court now to ask about the Allocation Notice and my proposed Directions.

 

Thank you.

 

Hi CB Stleonards

I didnt realise it was from Court, in that instance as you state above find out whats happened to yours and get the order revoked,therefore negating the need to submit a particularised defence until the claimant discloses..

Regards

Andy

We could do with some help from you.

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