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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Apex Credit Management


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Hi First post!!

 

My debts are as follows;

 

£13000 Loan (8500 remaining) loan with Lloyds

£2000 credit card lloyds

£2000 credit card Capital One

£4000 credit card Barclaycard

 

All taken out before April 1997

 

Have now got Apex Credit Management ringing and sending threatening letters, have read a few posts on here with people asking them to prove the orginal debt with a caa?? Is this my best course of action and how do i go about it?? they are acting on behalf of Barclaycard

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Your address here

 

 

 

Date

Their address here

 

 

Their reference here

 

 

 

To Whom It May Concern,

 

I am writing to you in response to a letter I received dated [insert date] referring to the above reference number.

 

I have no knowledge of this account and do not recollect owing money to either [insert original creditor/company name if one is specified] and/or [enter debt collection agency name]. If you wish to pursue me for this debt then I require you to provide adequate proof that I owe the money in question in line with the Office of Fair Trading Debt Collection Guidance (updated in December 2006). I do not feel I should be coerced in paying something I do not owe for obvious reasons and, therefore, it is in your interests to furnish me with any information you have on record which links me to the above account.

 

There are a number of documents which you can provide to me in order to prove your lawful entitlement to this debt such as a Notice of Assignment, a default letter, a consumer credit agreement OR a full statement of account showing how the balance has been made up and payments made.

If you cannot provide such details then I require this in writing without undue delay. Please note section 40 of the Administration of Justice Act 1970 applies:

 

"Section 40 of the Administration of Justice Act

 

“S40 Punishment for unlawful harassment of debtors.

 

  1. A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he-
    • harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation;
    • falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it;
    • falsely represents himself to be authorised in some official capacity to claim or enforce payment; or
    • utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not."

 

 

I look forward to receiving your response.

 

 

Yours faithfully,

 

 

[insert your name here]

DO NOT SIGN YOUR NAME :-)
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Hi thanks for all the reply's

 

42-man It was nearly a year ago I paid Barclaycard - yes the card was issued before April 1997 although most of the spending on it was a later date

 

 

when you 'allegedly' ;) spent on it is irrelevant what matters is that its a very old agreement. as said above send a cca request and see what you get back

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Excellent thanks for all your help I'll keep you posted - do you think it's worth while trying this trick with all my lenders?

 

 

It is not a trick to ask them to prove that they have a legally enforceable debt. I would cca everyone if it were me, just to see at what level of repayment I need to be negotiating.

 

If you know it is/isnt enforceable you can then decide what to do/pay next

 

and just for the record I dont pay anyone that cannot prove it - 100% g'tee that a bank would not give me a penny they didnt legally have to, so I return the favour.

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Ok thanks hungrybear nice to get some honest advise, all companies I've ever asked for debt advice have always tried to sell me something!! So if the agreement is unenforceable the debt is written off? or does it mean they just cant take me to court?

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If they're that old, and especially LTSB, the chances the CCA requests will ever be honoured is slim.

 

LTSB will also try to fob you off by saying that statements pre-1999 (if you ask for them) can't be provided - this is a lie, as they're supposed to keep accurate records for at least 6 years (this is to do with money laundering regulations) after the closure of an account.

 

Has anyone else had a letter stating the same, as written admission of this may get LTSB into trouble for contravening money laundering laws?

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If they're that old, and especially LTSB, the chances the CCA requests will ever be honoured is slim.

 

LTSB will also try to fob you off by saying that statements pre-1999 (if you ask for them) can't be provided - this is a lie, as they're supposed to keep accurate records for at least 6 years (this is to do with money laundering regulations) after the closure of an account.

 

Has anyone else had a letter stating the same, as written admission of this may get LTSB into trouble for contravening money laundering laws?

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Ok thanks hungrybear nice to get some honest advise, all companies I've ever asked for debt advice have always tried to sell me something!! So if the agreement is unenforceable the debt is written off? or does it mean they just cant take me to court?

 

 

It means they cannot take you to court. They can ask you to pay and you can say no. You can also say I'll give you x% final settlement if you remove all traces of a default from my cra files.

 

In other words you are in the driving seat.

 

It is worth noting that cca request does not constitute any kind of 'notice of legal intent' or anything. All you are doing is saying do you have a copy of the agreement for me please.

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Ok thanks hungrybear your advise apprichiated - just had another company called Red chasing me after an amount I owe to o2 dated from about 3 years ago does a cca apply in this case?

 

 

No mobile contracts are not CCA. Still need to send them a prove it letter, that it's your account and the amount is right and they have the right to ask for it. So same basic principle as a CCA but without the CCA (if that makes sense:roll:).

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