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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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      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.
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DCA upping repayments


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My partner is paying back a debt of ~£500 with collection agency mackenzie hall at an agreed £10/month because she has been on job seekers since leaving university. Now she has found part-time work the agency are demanding £10/week as apparently the JSA folk had told them she was no longer claiming. I'm always sceptical about asking advice on such matters here as the company's always seem to be in the right but apart from going back to JSA until she finds a full time position (as the upped payments wouldn't make part-time worthwhile) is there any way to stop the increased repayments?

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Hi and welcome to CAG

 

Typical of Muck Hall. Trying to have their cake and eat it.

 

You are under NO obligation to up the payments to MH. You pay what you can afford.

Only a judge can demand you pay more.

If you are paying the £10 by Direct Debit, cancel it and make a different arrangement otherwise they might just dip into the account to take more.

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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*uck Hall are on VERY dodgy ground claiming to have recieved such info from the DWP. Is this in writing? Please say it is, it will make my day :)

 

No they only want to communicate via phone it seems. So do I just advise her to cancel the DD (they have said they'll start debiting the new amount immediately), setup a standing order for an amount she can afford and just tell them if they want anymore they'll have to get a judge to decide an amount?

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Cancel any direct debit you have with them, if the have DD details they can take whatever amount they want whenever they like. She should notify her bank that under no circumstance are they to authorise any payment to MH.

 

Do not speak to these cretins on the 'phone, everything needs to be in writing. In that way you have documentary evidence of what's occured.

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Muckyhall.....I dunno, delusions of grandeur, and acting above the law tsk tsk :frusty:

 

If they have stated that they have got this information from the DWP then it is clearly extremely questionable, if not unlawful, I shall do a bit of digging but I don't believe that DCA's will have any access to LA or DWP systems so they have either drop themselves right in it OR more than likely lyeing.

 

Either way the obligatory complaints MUST be made to the OFT&TS via http://www.consumerdirect.gov.uk/contact

And I would tip off the ICO also regarding these idiots claim that they have been informed by the DWP.

http://www.ico.gov.uk/complaints.aspx

 

You MUST cancel that DD immediately, if you have online banking do it tonight.

Set up a standing order to pay £5 a month, as Cerberusalert said, they do not dictate what should be paid, they no longer wear the trousers, the consumers do.

Let them kick up whatever fuss they think will intimidate you, but remember they will be the ones left picking up their toys they threw out of the pram, not you.

IF Muckhall do take anymoney out of the account using the DD, then get the bank to refund this under the DD guarantee, and cancel it, set up a SO and tell the bank that under no circumstances are these fools allowed to take money from the account unless given express permission to do so.

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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Wel well well, every day is a school day it seems! :faint:

 

http://www.dwp.gov.uk/docs/dwp-your-personal-information.pdf

 

The organisations we may give information to, or receive it from, include other government departments and their agencies, in particular Her Majesty’s Revenue and Customs (HMRC); local authorities; banks, building societies and other financial bodies; BBC TV licensing; credit reference agencies; utility providers; educational and academic bodies; the Learning and Skills Council; research organisations; health service providers; law enforcement agencies including the Police and the Serious Organised Crime Agency; the Assets Recovery Agency; and overseas social security organisations.
But this next link doesn't make it any clearer?

http://www.dwp.gov.uk/docs/information-sharing.pdf

Edited by Bazooka Boo
Typo

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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NO, no mention but! My take on it is that if the DWP informs CRA's of changes, quite why is anyones guess, then their paymaster being DCA's (allegedly) I guess it stands to reason that they would be tipped off, I might send DWP an email and ask the question directly...

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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Not only does it beg the questions why would they go to the trouble of informing them & how would they know that there was a debt & who to? A credit file isn't marked when someone is in or out of employment.

 

The only reason I can see the DWP informing anyone is when they are making payments directly from benefits i.e arrears of utility bills etc.

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Yep, that was my first thought also, the only reason why they would need to inform CRA's is if there was a benefit overpayment dispute, think I'll ask them outright see what they say......if anything!

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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This is possibly due to Experians big [problem], "Debtor credit alerts" basically every time you are credit checked the fact that this has been done alerts all their little mates who have paid for this specialist service.... they say it is a useful indicator of somebody about to breach other agreements (balls to that statement) or somebody about to commit fraud....

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Personally I wouldn't believe a word anyone from MH says, although it's easy enough to tell when they're lying... their lips move.

 

If the OP has applied for some form of credit i.e mobile 'phone contract etc it will have flagged up on their credit file and alerted the Ayrshire cowboys & they've probably put two & two together rather than the DWP informing them.

 

It will be some telephone jockey at MH pretending they are in a position of grandeur & have access to government data bases.

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Guest Cartaphilus

Somethings' obviously not right here, perhaps some more information is required from the OP to clarify it. It's my understanding that to cease JSA a) the claimant has to physically stop claiming it eg 'sign off' or b) Jobcentre Plus has stopped it for reasons privvy to them ie, as already mentioned, a benefit overpayment. Or, even, 'administrative error'. Either way, there is something missing from all of this which needs looking into further.

 

Or, even, this:

 

It will be some telephone jockey at MH pretending they are in a position of grandeur & have access to government data bases.
Welcome to the 'murky' world of DCAs. ;) As someone who used to work for the DWP, I know exactly how rigorous the PID (Personal ID) card checks were done. PIDs btw are the cards DWP employs are/were issued with in order to physically access the database, in fact you also have to sign the official secrets act in order to have one (or you used to at any rate; which I've actually signed twice one for the DWP and the other time not ... ;)). If you accessed someone's NINO (National Insurance Number) which you weren't authorised to eg assessing their claim or inputting the claim from the initial point of origin eg mail box as it came into the department, then in all likelihood it would be flagged by the internal databases security system and ... a spot check undetaken, which is basically an audit done on the spot whereby the inputter has to complete a form, ticking the boxes and explain why they are accessing that claim. It's also done randomly to prevent incorrect entries as well.

 

So, as someone already said, perhaps it's a case of someone at a DCA ... making big and bold statements. So, unless, DCAman has a PID, has access to the database then ... Which I doubt.

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Guest Cartaphilus

Yes, as said, you do need to report this as I would guess it does come under ... harassment. What next, DCAs having us believe in Father Christmas next maybe? ;):D

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Guest Cartaphilus

Oh, but also perhaps misrepresentation of themselves (if that's what has occured here) of a government department. Now, I won't be naive and ... merely say 'security is' perfect ... where data is concerned ... anyone whose worked for DWP could probably tell you a few things on that score but ... seriously ... report it ASAP. Because the next person who gets this, may not find their way here.

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