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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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Cohen, letter of pending legal action


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Hi, had letter from lewis group saying they are in our area soon and want to come speak to son, and phone number to phone if not convenient, I dont want son speaking to them so ignored it, anyone read my thread who would know what to do, thanks

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ha! read it, cant say I've noticed 'commission payments may be payed' on welcome agreement, and they certainly havn't told or got any tick boxes with son agreeing to it. Now what do I do with this, who should I tell first, cohen or welcome or both or neither, don't want to blow this.......

 

post.. this is now with lewis group, someone called at my address, told him son wasn,t here, he said it was just about a loan in arrears and doesn't matter if he doesn't live here.

also got final response about ppi saying basically nothing to do with them as dace car sales are brokers and said get in touch with them :confused:

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hi bogeyed i have hit the jackpot too got the same docs in my subject access request that post was getting so excited about. I've got even more stuff that has brought another event to life which the oft can bring criminal proceedings for. i am waiting to see what oft are going to advise me to do. pm post if he is on the forum as hasn't answered you since 23 oct.

hope u didn't mind me telling bogeye that post

 

i hope post gets back to you he is very busy i haven't even informed welcome of the things i have found yet but luckily i haven't got the wolves at my door.

 

good luck and don't give in and don't let your son talk to anyone until u have more advice from someone on here

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Hi zodiac, have you got a thread going on this that I could follow, sounds like you have something worth having;) You are right, I'm trying to do as much as possible so son isn't conned into doing anything else, heard stories of fos being behind welcome:eek:, and cab not much help, are the oft more helpful, we did phone them before we found out all this other stuff, but they never got back. I don't feel confident to tackle welcome directly just yet, not found any other threads where the secret commisions have been tackled. Thanks for your time.

Might just bump a couple of times, post is busy and now not very well with his knee.

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greatest sympathy for post on the knee had both mine done about the same time as him and aching like mad with the weather.

my thread is under welcome creative accounting. isn't much info there as i have a feeling certain ppl are watching this site very closely.

That's why post is very careful about what is said to you because he knows and doesn't want to give them upper hand

 

i only sent an email today with everything going on with the unfair charges not expecting a email or call back straight away. i will keep ringing them next week until i get an answer as to which track i take

i've been all over this forum for weeks and i haven't found another thread about commisions either

 

if u go on the debt part they have great advice there about debt collectors and what to do.

Think at this stage we are suppose to put the account into dispute but i don't know on what grounds at the moment because have so many things that are wrong with agreement, paper work etc and don't want to give welcome the total picture incase office of fair trading do want to take another route

 

Here is a link to dipute letters and many more

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Hi bogeyed hope u and son are ok haven't heard anything from you. I haven't heard anything from OFT , no suprises there.

I am totally confused of how we have hit the jackpot with the secret commision because case files i read the debt did not get wiped out just the commision paid back

I got so many things i can throw the book at welcome about but don't know which one is the best avenue.

I hope you are nearer a solution

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Hi Post, sorry to hear about op at christmas, Zodiac and I could really do with some advice on what to do with secret commissions, and I could do without another visitor, Lewis group I presumed.

Also I had final response about ppi and it said dace who sold car are the brokers and nothing to do with welcome, if it's on their agreement why is it nothing to do with them. Got the statement of needs with no ppi ticked.

Zodiac, Thanks for the links, nothing to report since visit, bad news about people only getting commission back, I read some judge said the only way it would be unenforcable is if the commission was completely hidden, so perhaps there was something in their agreement saying commission might be payable.

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Zodiac, thanks for dropping in, will read debt section, had a few days off welcome to help other half with pension appeal, no more visits but letter from ? on side waiting for son to open, hope they take him to court. How did you go on with your advice on friday? positive I hope. :)

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Gladly,

son has hp and personal, had letters from cohen and lewis group

had dodgy DN, without predjudice etc,

hidden commissions in sar,

monthly payments on agreement don,t add up to total amount, about 100 out.

no date on agreement

got demands and needs with no ppi ticked but got put on anyway, sent ppi letter but got final response saying, basically nothing to do with them, the car sales place were the brokers so complain to them.

son not up to date with paments, missed loads.

got a load of charges put on, telephone visits, adhoc[hmm].

lol, not very brief, but must be something we can scare the visitors off with if they come back, while waiting for them to take son to court. thought they would have by now.

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