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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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who else thinks it is going to be cold and miserable? I think we are going to be smitten with strikes, power cuts, shortages and bad weather.

 

The unions seem to want to cause chaos in relatilation for the cutbacks, and I dont blame them, but I think we are going to get a dose of the 1970`s big time.

 

I really hope not but I think we have trouble ahead :mmph:

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There was a lot of low lying mist on the ground this morning as I came on my bus ride, and I have been predicting a bad winter again this year because of the amount of berries on the trees/bushes, also the trees should have started shedding their leaves about now but very little sign of it - again another sign for a long winter to come...

 

Wonder if we will be cut off by snow my end again!

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There was a lot of low lying mist on the ground this morning as I came on my bus ride, and I have been predicting a bad winter again this year because of the amount of berries on the trees/bushes, also the trees should have started shedding their leaves about now but very little sign of it - again another sign for a long winter to come...

 

Wonder if we will be cut off by snow my end again!

 

 

 

 

Does your end get quite cold then ? lol..

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I need a bit of cheering up, had lots of hassle lately, but tomorrow is a good day - OUT OF MAIN DEBT PROBLEMS FOR GOOD - two final payments going out - YAY....

 

Will not have a lot left this month but it is only for a few weeks, and then I will be £400 a month better off!

 

Winter heating bill might be lower this quarter as trying to get immersion heater timer sorted this weekend, and found out that one of my heater timers was faulty - so heater is being replaced completely by more efficient one - courtesy of landlord YAY.....

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I need a bit of cheering up, had lots of hassle lately, but tomorrow is a good day - OUT OF MAIN DEBT PROBLEMS FOR GOOD - two final payments going out - YAY....

 

Will not have a lot left this month but it is only for a few weeks, and then I will be £400 a month better off!

 

Winter heating bill might be lower this quarter as trying to get immersion heater timer sorted this weekend, and found out that one of my heater timers was faulty - so heater is being replaced completely by more efficient one - courtesy of landlord YAY.....

 

 

That's nice that things are going your way. How long has it taken you?

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According to a local farmer who is well into his 80's who is a regular customer at work, we are supposed to be in for a long hard winter this year, well up here anyway, it will be worse than the one just past.

 

We had snow from the week before Christmas for 3 solid weeks here, and it snowed everyday too!!!

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Its taken just about four years, had a load of small bills I managed to pay off in lump sums and these are the tail of two biggish ones which came along and eventually decided I owed half what they originally claimed...

 

I will at least be able to get a couple of new jumpers for Winter this year!

 

We already have had a 'winter weather' briefing on the Underground network so they are making sure supplies are being ordered now before people start upping the price....

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Stocked up on salt today, just in case. We have a coal fire in our house, it can be a pain, everything gets dusty when it's on, but it is lovely and cosy on a cold winters day!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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I dont mind it when I am inside, skating about on the pavements is a bit tricky though!! I am going to be self employed from the first of October. I can divide my time between the office and home, guess where I will be if the weather is bad? lol

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QUOTE=determindator;3135902]Hi SG, so glad your bits getting sorted. The Holiday Inn sounds a must. Do they have a swimming pool and jacuzzi?

 

Yes, the Holiday Inn has a smallish pool and a jacuzzi, very nice pool, doesn't get too busy and not too deep...

 

looks like my knitted hat will come in handy for me which you knitted.

 

Don't forget to wash the hat in hot water then when it is nearly dry you can 'mould' it to the shape of your head, I've got a few more balls of wool to do hats and scarves for winter.

 

If anyone wants any links to knitting patterns please let me know, perhaps I should put them in the tips, tons of free links on the internet....

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I'll PM you some videos on that....

 

Just remembered that one of the cider companies (think it is Brothers) has brought out a 'seasonal winter cider', toffee apple flavour designed to be drunk warm with a pinch of spice... must get some when I am shopping at the weekend...

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yes I still have some candles left from the 70`s! Thye must be rock hard now will burn for ever but not give out much light.

 

I have got one of those million candle power torches which Sainsburys Homebase had on offer the other week. I think the only other thing to do is to stock up on batteries there is no point in going too mad as the power cuts are only on for a relatively short time.

 

The daftest thing I heard was my friend who was convinced we were having power cuts a while ago. She decided to buy a small generator. When her husband came home he asked her where she had put it as he wanted to look at it. She replied she had put it in the garage. He asked her what good would it do in there in the event of a power cut as they had an electric garage door!

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Interesting, getting emails on my phone before they are on the forum!

 

This is replying to Pappasmurf1cx - in the USA they have what is known as a 'hurricane tshirt/sweatshirt. Basically you take a sweatshirt or teeshirt with sleeves and stuff it with useful stuff and keep it handy in case a hurricane comes up, it has the following basic items in it

 

Torch with batteries and spare batteries

Candles with matches and lighter refills

Money (they have decided that $50 or about £30 is useful for emergencies in case the cashpoints go town (ATM machines)

Bottle of water and water purifying tablets

Small first aid kit

Change of underwear

Copies of insurance documents

 

I can get the full list as I have it bookmarked at home - sounds like a VERY good idea to me, I think I will be starting one of these in the next few weeks - just in case.....

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