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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.
      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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I have a debt which has been passed on to AIC, at the beginning they made an offer which I was going to pay except I could not pay it within their time scale, then they started to threaten me by sending a letter saying they would get the solicitors involved and put a notice on the property or declare me bankrupt, the debt is £4000, at that point I got some advice and was told none of this could be done unless I had defaulted on a ccj, whic I have not, I was advised to send them a letter requesting my cca which I did earlier this year, they have not produced my cca, but keep calling, when I called them back I found out that the bank does not have a copy as the debt is over ten years old (previous to all this I was paying the bank the arrears I owed) but AIC still keep calling any advice on what my next step should be?

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When you didn't receive the CCA did you send a letter putting the account into dispute?

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi,

Send AIC letter 20 from here:

 

The Consumer Forums - Debt collectors

 

I would also incorporate into this letter the telephone harassment letter from this link:

 

The Consumer Forums - Harassment

 

If they are threatening a doorstep visit, letter 3 or 4 in the first link can go to them too.

 

DO NOT sign anything

Send all letters by recorded delivery

 

 

The simple truth is, no agreement, they can't force you to pay a penny (but that won't stop them from trying)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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so's it statute barred then?

 

if so ignore the little fleecers.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OOPS missed the 10 year comment in OP. If there has been a period of 6 years, 5 in Scotland where no payment or acknowledgement of the debt in writing has been made then it is Statued barred.

I would send the statued barred letter or as DX has said just ignore http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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so's it statute barred then?

 

if so ignore the little fleecers.

 

dx

 

 

I didn't read it like that, the credit agreement was 10 years old but it sounds like the debt isn't so to speak, and/if if the author has made an arragnement to pay them (thus removing the stat barred protocol) but not fllowed through then it's no longer stat barred etc...

 

I suspect this is academic and the account hasn't been paid for a while but not 6 years etc.

I reside in Dawlish Warren but am not a rabbit.

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I sent the cca recorded delivery they have admitted that they do not have a cca, as the bank cannot provide one, I was paying the bank up until sep 2009 when they passed it on.

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Ok, if they've admitted in writing that they are unable to provide a signed credit agreement then advise them in the absence of a signed credit agreement they can not prove/enforce the debt and that you'll be making no further payments to them.

 

Advise them also that any further communication from them would be deemed as harrassement and that you'll contact the OFT and make a formal complaint against them (the collecting agent..i.e AIC

I reside in Dawlish Warren but am not a rabbit.

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Well you can do one of two things,

 

Offer them a very low F&F offer, on the acceptance that they will mark your credit file as satisfied, and not sell on the remainder of the debt to be chased at a later date.

 

Or, preferably, ignore them, if they have already written to you admitting they have no CCA, then they are unable to 'legally' pursue this through the courts, and can't mark your credit file adversely, as they can't prove that there was an agreement or relationship between you and the OC.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They have only admitted over the phone that they have no agreement, nothing in writing. I am a bit wary about making them an offer as i tried that originally and they refused,then came back with another slightly higher offer, but they would not send me a letter saying that it was for full and final settlement and i was advised by a debt charity that if it did not say that there could be a strong possibility that they would pass it on to someone else,(the debt agency had encountered a number of people being chased for debts that they had thought had been settled) .

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Ahh,,,phone calls mean ZERO, accept nothing from them via a call and quit talking to them on it. Them admitting on the phone that they cannot provide something is like listening to a politician on the TV that says 'lessons will be learned' when you just know it's not how it is.

 

Who was the original creditor and what did AIC do with your £1 cca request payment (presuming you sent it)

I reside in Dawlish Warren but am not a rabbit.

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If they have no agreement they cannot enforce through the courts.

So they would be very silly not to accept a F&F, but this offer from you must be on the condition that your credit file is marked satisfied,and the promise that the balance is not passed on.

After all you want something for your money.

The ball is in your court, I would make an offer of around 5-10%

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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If you have the postal order details you can see if it's been cashed by calling the Royal Mail on 01246-542091 or write to them at

Post Office

1 Future Walk

West Bars

Chesterfield

S49 1PF

 

Other than that the rest of what you need to do (or not as the case may be) is contained within this thread.

I reside in Dawlish Warren but am not a rabbit.

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ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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