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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.

      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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Clarity/PTP


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Please see below, I took your advice as per my previous post but they wont take a repayment plan only the whole amount. I am not getting anywhere with these people.

Hi Sharon,

Thank you for your email. An email was last sent to you on 3rd September. Due to the type of loan you have with Pounds Till Payday, we are not able to set an arrangement. A full payment must be made. Please call our offices prior to 8pm to discus the matter further. The number is 08445611715.

Kind Regards

Diana Castagnaro

Tel: 0844 561 1715

Email: [email protected]

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Ask them if they comply with the guidelines as set out by the Office Of Fair Trading.....it seems they do hold a licence...

 

Application / Licence Details

 

 

 

 

Licence Number:0567831

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberClarity Credit Management Solutions Limited5307808

 

Categories:

 

Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 18-Mar-2005

Expiry Date: 17-Mar-2010

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAndrew James Lea Garry George StranOFFICERLawrence Rix Peter John Norris Stephen Keith Butterworth

 

Historic Individuals that run the organisation:

 

NamePositionChristopher William JonesOFFICERDavid Nicholas JefferyOFFICERHirofumi HiranoDirectorJames Thomas Totty John Henry Godfrey HellerOFFICERRichard Norman GriggsOFFICERSimon Nicholas OaklandOFFICERSteven Leslie Johnson

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business2, Swan Court, Lamport, Northampton, Northants, NN6 9EZRegistered Office2, Swan Court, Lamport, Northampton, Northants, NN6 9EZ

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Also poundstillpayday also hold an OFT licence....

 

Licence Number:0574988

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberNorthway Broker LtdC 36144

 

Categories:

 

Consumer credit Credit brokerage Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Pounds Till Payday

 

Issued Date: 03-Sep-2005

Expiry Date: 02-Sep-2010

 

 

Legal Formation:

 

Body Corporate (incorporated outside UK)

 

Authorised To Receive Documents:

 

NameRobert Alan Rosenberg

 

Current Individuals that run the organisation:

 

NamePositionJoe GrioliOFFICERPeter Warren AshOFFICERRaymond Stafrace

 

Historic Individuals that run the organisation:

 

NamePositionAndrea Gera De PetriOFFICERAnton MicallefOFFICERGeoffrey Howard MinterOFFICERHerman ZandtOFFICER

 

Nature of Business:

 

Credit Brokers

 

Current Address(es):

 

Address TypeAddressAccept Notices/Documents9, Peel Place, Clayhall, Ilford, Essex, IG5 0PSCorrespondence9, PEEL PLACE, ILFORD, 0, ESSEX, IG5 0PS, UKPrincipal Place Of BusinessLevel 8, Plaza Commercial Centre, Bisazza Street, Sliema, SLMIS, MaltaRegistered Office7th Floor, 2 Airways House, High Street, Sliema, SLM10, Malta

 

Historic Address(es):

 

Address TypeAddressPrincipal Place Of Business191, Merchants Street, Valletta, ., MaltaPrincipal Place Of Business9, Peel Place, Clayhall, Ilford, Essex, IG5 0PSPrincipal Place Of Business9, PEEL PLACE, ILFORD, 0, ESSEX, IG5 0PS, UKRegistered Office191, Merchants Street, Valleta, ., MaltaRegistered Office191, Merchants Street, Valletta, ., Malta

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Hi Moonsa

 

Very unlike Clarity to be so difficult. I would just e-mail them back saying in writing only. State that you can only afford so much per month. I would restate your offer but also ask them for an address to send a CCA request to. Might put them on the backfoot and agree to your offer.

 

If you go down the CCA route 42man will be a handy guide;)

 

They won't want to see you in court so stick to your guns:)

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