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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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paying overpayment from 2 benefits


miss jan 59
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:confused:hi im new on here iam recieving income support and carers out of my income support i have deductions taken for an overpayment and social fund loan an error was made overpayment requested payment from my carers as well so there was 2 lots of money being paid from 2 benefits this has gone on for a number of yrs now since i found out what was going on and after numerous phone calls as from next weeek im being given back the money that overpayment section have been stopping i asked them to refund me the money that they had stopped from me as i now know that they cant stop money from 2 benefits for the 1 debt they are now saying that they might keep the money to pay towards the overpayment does any 1 know if they can do that

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hi think they are just messing me around phoned carers once again to see if they have sorted out why they were stopping money from my carers 1st it was overpayment section that was supposely have been stopping it now they are saying it wasnt them it was social fund they keep bouncing from 1 to another grrrrrrrr

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Guest Old_andrew2018

Hi Jan,

After speaking to a friend at the DSS I feel you are wasting your time phoning these idiots (my friends words)

they only spout rubbish and you have no proof of what is said.

Have you considered asking your MP for help, and secondly can I suggest you make contact in writing.

 

Andy

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hi thank you for your response carers actually phoned me today and once again they have passed the buck its back to its overpayments that requested the deductions from my carers think your friend is so right any way going to see a debt adviser tomorrow will let you know how i get on

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Its worrying that Carers have been deducting money out of your benefit and they dont know where its going....

 

Usually what happens is that who ever you owe the money too ie social fund, send a request to take the deductiuons out of your benefit. Carers Allowance would have no say in this and would deduct what is requested.

But they can tell off their screens where it is going !!

 

You say you are on I.S you should be sent an entitlement letter from time to time it will say on there what deductions are being taken out of that as well

 

I think you need to speak to social fund to see how much if any is left out of your loan

Then overpayments to see how much if any you have got left on your overpayment. Where you ever sent a breakdown to how and when the overpayment occured.....

 

If its been taken twice then yes you should be owed arrears by now if the debt has been paid off

 

After speaking to your advisor, maybe then a letter or two to each department complaining and if your complaint is not resolved then speak to your MP or go straight to him/her

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hi mikey i am getting income support and from that they are deducting for social fund loan also overpayment when i have spoken to both parties they have both said that havent recieved any money from carers because they have it on screen that its coming from my is as i said this has gone on for quite awhile now they have been stopping £8.40 per wk i also get a statement income support with a break down of my benefits its so annoying that i cant seem to get anywhere with them thank you for your response i think your right i will have to write to them

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Your I.S should be

 

PA £64.30

CP £29.50

Total £93.80

 

Minus Your C.A of £53.10 should leave you £40.70

then they take your deductions of social fund loan etc. I make it you should be getting 18.94 I.S

 

Thats some water rates dedcutions, could you get that reduced

 

Your Carers should be £53.10, you say you are having £44.70 so £8.40 is going out of that somewhere

 

How did your overpayment of I.S occur

You could have two ops CA and IS

 

-

Edited by MIKEY DABODEE
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hi i was overpaid income support a few yrs ago i was stupid at the time as i guessed i was overpaid so i never disputed it and i agreed to pay it back from my benefits you more or less got it spot on i get just over £17 per wk is when i spoke to income support i asked them if they could take from 2 benefits for 1 debt the guy said he wasnt sure but he said it didnt make sense as i was already paying them and i definetly only got 1 over payment

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I thought you may have had two. were you claiming I.S and Carers at the time of the overpayament...

 

 

You are right only one benefit can be deducted at a time in respect of one overpayment.

 

I.S sounds correct then its CA were the problem lies

Edited by MIKEY DABODEE
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hi sorry it takes me time to reply only my daughter takes over the computer at the time overpayment occured i was only recieving is i went to see cab today and the gut phoned ca and they told him it was an overpayment for widow mothers pension dont know where thats come from as my husband is very much alive we are just seperated and have been for a very long time cab are going to write to ca its getting stranger by the day also no1 has recieved this money so its floating round the system as no 1 can say where or has recieved it once again thank you for taking the time to reply to me

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hi sorry it takes me time to reply only my daughter takes over the computer at the time overpayment occured i was only recieving is i went to see cab today and the gut phoned ca and they told him it was an overpayment for widow mothers pension dont know where thats come from as my husband is very much alive we are just seperated and have been for a very long time cab are going to write to ca its getting stranger by the day also no1 has recieved this money so its floating round the system as no 1 can say where or has recieved it once again thank you for taking the time to reply to me

 

 

That takes the biscuit !!

 

Did the guy at CAB get them to stop the deductions, think you may need to get to the bottom of this sooner then later.

Let Cab have a go and if they dont resolve it for you think you need your MP on board

At least you should get it all back and if your MP is involved you can ask for a special payment to be made on top

 

At least you are happy with your other deductions

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hi you asking if cab got did deductions stopped after my many many phone calls they reinstated it back to my carers on the 14th so i think they know they have made a big mistake because i still owe the overpayment cab are going to write to them see what they going to do

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