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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?
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    • 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
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    • 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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Much needed help to reclaim PPI


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Amount of Loan: £8,000.00

Add: £4,463.80 interestlink3.gif (APR 20 8%)

Total Sum Payable: £12,463.80

Total sum payable to be paid by 60 monthly instalments of £207.73

on the 04 day of each month commencing on the 04 day of April 2003

Optional Credit

Protection Insurance Cash Price (including VAT)

Life (J) £836.54 Decreasing term Life Assurancelink3.gif - Joint

ASU (Y) £1,294.27 Accident, Sickness and Unemployment

Total Cash Price £2,130.81 Amount of insurance loan

Add £1,188.99 Interest (APR 20 8%)

Total Sum Payable £3,319.80

Total Sum Payable to be paid by 60 monthly instalments of £55.33

on the 04 day of each month commencing on the 04 day of April 2003

 

I paid this loan off in full on 9th September 2004, full amount paid back = £7,841.91

 

Could someone please help to work out what is due to come back to me from HFC.

 

Thanks

Pisces

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Sorry, forgot to ask if I could also claim back the late payment fees on the account, they were £15.00 a time?

 

Also, would I be entitled to add the 8% interestlink3.gif up to todays date, or until the money is refunded back to me?

 

Sorry for all the questions, this is all new to me, I've just been told - "don't forget to claim the interest on the amount settled too".

How do I work that out? Such a lot to remember.

 

Apolologies for posting here also, but nobody was available to answer my thread in the HFC Section.

Pisces

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I don't think I had a rebate either, I have all the papers, cca etc, no mention of any rebate, just late payment fees and £7,841.91 which is what I paid to settle the debt.

 

Thanks to anyone willing to help.

Pisces

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urm..

 

something def not right here.

almost 50% extra ontop of your loan for just £8k.

 

yes you can reclaim ALL insurance +8% stat from the date of the ppi element of each months payment to the date of your claim

you can do the same with charges too!

you need to also CAREFULLY consult the statements to see if they charged interest on the charges too

if they did , you can compound this at their rate + 8 stat from the date of the charge to the date of your claim.

 

see my threads in hfc forum

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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Have they broken any APR rules or something? What would you advise on the large interest amount, can anything be done about that?

 

On the sheets I have which shows my payments, it states:

UDD Fee :Assess £15.00

Late Payment :Assess £15.00

Thats all thats on there along with my monthly payments.

 

Is there anyone here who could work out what I can claim back? It would be a great help to me.

 

Thank you.

Pisces

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scan your sheets/agreements

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

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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Share on other sites

Apparently, I should have had a rebate in the region of £800, but was never given this (This has only just come to light) I've only recently discovered this.

What would you advise next step to be? Would that be deemed unfair or wrong, that I wasn't informed about this, or should I just ignore that fact?

Pisces

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Ah, I don't know what compound means, thats why I have requested somebody do this for me.

I just know I would do it wrong and come up with the wrong amount.

Thank you.

Edited by Pisces01

Pisces

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try scanning at 600dpi

 

we need then

 

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... 

Link to post
Share on other sites

Hi

I have taken about 20 pics and this is the only clear one, but missing figures, so the figures are as follows:

 

Amount of Loan £8,000.00

Add £4,463.80 Interest (APR 20 8%)

Total sum payable £12,463.80

----------------

Life (J) £836.54

ASU (Y) £1,294.27

Total Cash Price £2,130.81

Add £1,188.99

Total sum payable £3,319.80

Doc1.pdf

Doc3.pdf

Doc2.pdf

Edited by Pisces01

Pisces

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Would I be right in charging 8% stat interest from 2003 up to the date I made my claim - August 2010?

This is the information somebody gave me who was successful in their claims, as they said I was deprived of the monies, I could claim it back, up to date of claim.

Can anyone shed some light on this for me please.

Pisces

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Hope you can see this, don't understand it!

On statement, it says 2nd and 3rd rows down:

Rebate Paid CR = £836.54 and

Rebate Paid CR = £1,294.27 on 8/03/03

 

I only signed for the loan in March 03, didn't start payments til 4th April 03.

 

Do you think that is a bit odd, I've just had a letter offering to pay me £800.00 something, cos I had no rebate when I settled the loan in September 04. That is weird.

 

It also shows:

UDD fee = £15, whatever that means, and

Late Fee = £15

 

Can I claim for these fees too?

Statement.pdf

Pisces

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come on.

get some decent pictures

 

help us to help you.

 

the ppi will be 55.33 + 8% stat for every payment you ACTUALLY made from that date [each month] to the date of your claim.

 

then add up the payments made {minus the 8%)

and take that away from the PPI total of the loan [cash price]

 

that then get removed from the loan total, giving you whats outstanding on the loan today.

 

pm DJ1971

 

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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Ok, Thank you DJ.

 

Could somebody tell me this then, if I should have had a rebate paid to me in 2004, 'which I did not have', amount = £817.89, would I be entitled to charge 8% interest on that £817.89 for each month that I was deprived of that money to the date of claim?

 

That rebate was legally my money and they did not give it to me when they should have, I had no rebate!

Pisces

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nope it will be 8% from its date that you did not get it from.

not each month.

 

just use that calc i sent.

 

rests = 12

 

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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Share on other sites

How do I work that out then dx?

8% from its date? Sorry, but I just don't get it! If they should have paid me that rebate in 2004, but they didn't, surely, it has accrued interest, but how the heck do I work that out.

Then I need to add the PPI to that figure plus 8% stat interest, plus the late payment fees, thenthe settlement figure and the interest on the settlement figure.

 

I would say that is a fair amount.

Somehow I need to crunch the figures, this is my problem.

Edited by Pisces01

Pisces

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