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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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urgent help re court needed


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Hi,

 

Need urgent help. My partner went bankrupt last year, and due to this I am now being chased for outstanding school fees of £5000. Due to the stresses of finances we split, and i'm now on benefits.

I was chased earlier this year for the 5k. I burried my head in the sand and they got a ccj against me and took it to high court enforcement, and a bailiff arrived. Only then I realised I had to do something about this. I aplied to the the court to challenge the ruling and it was put back to county court. I have hearing coming up but now having seen the evidence against me, i'm certain of the ruling going against me. I'm terrified of the bailoff coming back as he was really nasty to me. I initailly put forms into court to go not guilty on case, but realising now that its likely to be ruled against me, is the anything i can do to get a monthly payment ruling, ie what I can afford per month. I cannnot afford 5k but can offer a small amount each month. If so what do i do and is it likely to be accepted as i'm now benefits now until I get on my feet again..

Any advice very apprec as feel so low and worried

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Depends on your financial situation, which the court will review.

 

If you own property, perhaps the choice may be to put a charging order in place.

 

See if you can receive legal help by phoning community legal.

 

Community Legal Advice - free legal advice for residents of England and Wales, paid for by legal aid

We could do with some help from you.

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Hi, thanks for reply. I do not own any property and am on benefits now. Can I change my plead to agreeing I am guilty , but is there any forms I can put in for income and expenditure. As i'm on benefits, what sort of monthy payment would the court accept on 5k.

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Get some legal advice about this and then you will know you are on the right path. If you are on benefits, with no assets, the legal advice may be free. The reason I suggest legal advice, is that a solicitor may spot something which may be very helpful to you, which would be difficult to get at on a public forum.

 

The courts will look at your income and expenditure, to set a payment amount. You should have received some paperwork from the court asking you for this information.

We could do with some help from you.

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Speak to the court about this, to find out the procedure. Then atleast you will know you are following what they tell you.

We could do with some help from you.

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i have been told that if i offer too low an amount the court will not accept this. I have a relative who is willing to give me up to £400 per month to pay back. Will the court accept a figure of 400 as pays it back in 12 months.

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also will i be expected to pay the costs on the other side?

 

Yes you could liable to some costs. Have no idea whether the payments you offer would be acceptable.

 

You would be better to go back to the court, with details of your current financial circumstances and they will set the repayment amount. This will be based on what you can afford to repay. The court would not expect you to find money from a relative, as you have no certainty that the relative would maintain paying you this money.

 

The court has a process for looking again at the level of payments. I am trying to think what they call this. I know you have to write to them with details of your financial circumstances and then they will look to try to come to an agreement with you.

We could do with some help from you.

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