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    • But they still can send a claim form to your old Address. You won’t even know about it either, therefore won’t be able to defend The next thing you know is when you are turned down for credit and find a fresh, shiny CCJ on your file.   The answer is to let them know your current address via post. That way , if they are stupid enough to try any action, they won’t have a snowballs chance in hell of winning. You have the ultimate defence! It’s statute barred.
    • Also, I should point out that you will win anyway – but you are making it much more complicated than it needs to be. If you simply raise the question of your statutory rights and his breach of obligation then the judge will give you a judgement in your favour within five minutes. Because you have raised pretty well every other issue bar that, the judge will have to consider the entire aspect of the defects and whether they do amount to a substantial breach of contract and whether they could have been repairable et cetera et cetera et cetera. Although you will eventually win, it means that the judge may have a complicated issue to decide and of course it will simply prolong the agony. Simply raising the fact that the dealer refused to comply with your assertion of your right to reject will bring the entire case shuddering to a halt in your favour and the judge doesn't need to listen to any other arguments. He simply needs to see your letter of rejection.
    • capquest cant send a CCJ anywhere...    
    • Jet2 need to give you the hotel you are being rebooked to. A change from "your previous hotel" to "no hotel" (as things currently stand)  is significant enough imho to ask for a full refund.   @monyl I think the problem is different here, since the holiday wasn't cancelled due to lockdown. On the opposite Jet2 are trying to do their utmost to not cancel the holiday, and find an alternative accommodation for the OP so they can get away with not having to provide a refund. To devil's advocate for a minute, I don't want to defend their business practice but I must say I understand that they're trying their utmost to avoid losing even more cash than they already have. They'll have to provide something that's "significantly" similar to what the OP requested though, to stand a chance to legally do so.    
    • What stage is your claim at now ?  You submitted it in Oct 19 ...has it been allocated yet ? Andy
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smartypants55

rci financial services - mab law claim form

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hi all urgently need your help

 

i was a limited company and took out a contract hire on a nissan which i was personal guarentor. 2 years in to a 5 year contract the company seized trading, i held on to the vehical and tried to make payments as i knew i was guarentor. i couldnt afford to pay anymore so i asked nissan if they would take the vehical back which they did and said once they had sold the car then i would be able to make a arrangement to pay back the balance.

 

about 6 months later a received a letter from Matthew arnold & baldin llp stating i had 14 days to make full payment otherwise the would take court action. i imeadiatly called mab asked if i could make arrangement to pay, the lady dealling was on holiday i spoke with her boss he said send her an email explaining my finacial sit and offer. which i did. i tried calling lady dealing a couple of week later left message, she never responded tried again about a month later left mess no responce. forgot about it for a while and about 2 months later i called her again and spoke with her she said she hadnt received the email or any of the messages. i explained sit she said arr shouldnt be prob but needed to fill in a inc & exp form. received it next day filled it in and returned the next day.

 

never herd anything for 3 months( i know i should have chased but kind of forgot).

 

15th july received a cc claim for for full amount. i called mab law stated that they never received fin statement and because of that they had taken action. now this is where it gets tricky, i cant have a ccj in the job i do i informed them of this they said the apprciated that but were going to continue regaurdless.

 

i called rci direct told them of my prob they took details and i put my prop fwd and said they would be intouch. the next day i had a call from mab stating that i wasnt to speak to rci direct and that threy will accept my prop but only backed up with a ccj. i tried speaking to rci they said i should speak with mab i said they wouldnt listen to me she said i should get a loan to pay it off, i told her i have 160k of debt in default but have neg payment plans with all of them but obviously cant get a loan, she said she would get a manger to call me.

 

1 hr later i got call from mab (ladys boss) statung that i wasnt to contact them and that they were going to proceed with ccj, begged him to allow arrangement without ccj which would cost me my job and thus be unable to make arr payments. refused to listen told me again they are proceding with ccj:-x.

 

i have returned claim form with list of my debts, my offer and copy of legislation confirming i will not be able to continue in my employment if a ccj is imposed and a letter begging for help.

 

 

please help me i need to work to be able to pay back the money i owe, obviously i could just go bankrupt and screw them all but everyone but rci-mab have been decent and do want to pay all of it back. i have a 2yo and a 3yo and wife is 7 months pregnant this is all getting a bit too much to handle

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Also who do i sent the subject access request to rci or mab law

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Also, 1 other thing i have never received a default notice nor did the company. the address they had for me (as the guarentor) had was about 6 addresses ago

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and again, one more thing.

 

been reading various posts, am i right in thinking that they should have provided a copy of the cca with the claim form???

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