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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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Link Financial County Court Claim !!!!


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To all out there, I have read with some interest another post on this subject, posted by Selena4 in June this year.

I am in the same situation with regards this delightful and helpful organisation (not).

I have used the advice already regards filing Acknowledgement of Service online, and I need to know if the same Template letter to Link can be used to bring a defence?

I have browsed the forums on this site in the past, but did not think I would have to use the advice myself !

Anyway as always I would appreciate any help you can give me, I would rather be forever in your Debt than theirs (lol). I realise this is no laughing matter but am so frustrated by this, I would rather laugh than cry.:sad:

And I have to say what a relief to have people like yourselfs to help people like us 8-)

Thankyou in advance

Andy

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Is this template letter the next step ?

In the XXXX County Court

Claimant -v- (YOUR NAME)

Claim Number: (CLAIM NUMBER)

 

 

Dear XXX

 

REQUEST FOR INFORMATION UNDER CPR PART 31.14

template removed - dx

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Hi Phase and welcome to Cag

 

Firstly you need to re head the above to CPR18.1 and CPR 31.14 if you require anything other than they refer to in their P.o.C ie Statements and Data.

Have you requested a copy of the Agreement they refer to previously from either the Original Creditor or Loony Tunes?

I would advocate doing so if not already and make this separate to the CPR request. Sec 78 see templates library print name and head " I do not acknowledge any debt with your Company"

Retain proof of postage.

They may disregard your CPR request but failure to comply with your CCA request as far more reaching consequences as the case proceeds.

 

If you could also give a little history of the debt and dispute would also be helpful.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy,

Thanks for the reply and the very useful info. I am assuming that the template is the CCA which I change the 77 to 78 for Credit Card debts.

Regarding how the debt got here this is a brief rundown.

The credit card was taken out in 97 with MBNA, they gave me as far as I can remember a £ 1000.00 limit. My wife also used a card on this account, ( if its the same account ) problems I had with them is that as the spending increased so did the limit, without me asking or being informed. I did not know this until the bills came in.The amount had risen to just over £ 1,800.00. I spoke to them on the phone and argued the point that they should not increase my limit without my written consent. Well I stopped using the card told the Wife not to use it and we started to pay the card off at minimum payments, now I will not deny after a couple of years my Wife left me with the 3 children and money was now getting tight as I had to change my work conditions to suit the children. When the account defaulted after several months they slapped an extortionate amount of interest on !!! this took the account to over double the owing balance.No help or understanding came from their office, it was sold on to link or whoever they were at the time, and they seemed to pull out more charges and interest from somewhere. I then went to citizens advice and they got a regular payment set up. I had paid this regular for some years, then had a serious car accident and as always they were very understanding lol. Told them( when they got nasty) I had paid the owing amount from MBNA and they kept sending the letters. I know it was a long shot but I disagree with the amounts and dont owe them anymore. When my wife left the paperwork and everything is just spread across the move and 2 houses so cannot see where the extra costs have been added. I can add I have never agreed to the debt or the amount.

Hope this helps, and hope you can help

Thankyou

Andy H

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Hi Andy

 

Ok thanks, have you retained any paperwork in the house move ie Statements, Default Notice, and Notice of Assignment.If not i would highlight the DN and NoA within the CPR request specifically.

On the payment plan you set up with CAB to pay Loony Tunes have you ever received statements for these payments?

 

Andy

We could do with some help from you.

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No statements for the payments, never really thought about till now. As for paperwork, may have some but will be looking through old boxes in loft, so would still need to send paperwork off in the meantime. Nothing legal would be from Link, they just keep sending begging letters. No letters of assignments that I can remember, just a letter from Loony Tunes with demands for money appeared one day.

Now the highlighting of CPR document, have figured out the NoA is notice of assignment, what does DN stand for. Sorry to be vague, not used to all this legal paperwork.

Thanks

Andy H

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How much as been payed on the Payment plan to Loony does it tally with the summons amount?

We could do with some help from you.

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Ok Andy

 

Well get your requests off for now and keep an eye on your defence date.In the meantime try to recover any history. In assigned debts there is always errors and nobody has the knowledge of the debt better than the debtor himself. Loony Tunes will struggle with the formation you have requested so dont hold your breath on a reply or in time to compose any defence.

Update your thread as anything transpires.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Ok thanks Andy.

Should I allso send a CCA letter to MBNA as well ? and if so does anyone know there address.

 

No it goes to Elmer J Fudd c/o Loony Tunes:-) Get it off today Andy the clock is ticking to your defence submission.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Ok thanks guys, they are now printed and I am on my way to post office, £ 1.00 postal order for CCA, no signatures, highlighted DN and NoA, and both first class recorded delivery.

You people are fantastic, I have learnt so much in 24 hours.

Will keep you posted of developments.

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Splendid Andy:wink:

We could do with some help from you.

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Looking at the POC, this account was assigned to Link in 2001 – nine years ago! When did you last make any payment on this account to Link?

 

The PoC is here. I suggest you delete your previous link as it identifies you:

 

Linkcccopy.jpg

 

You need to acknowledge online that you will be defending all. This gives you a further 14 days in which to use CPR31. As andyorch said earlier, you must use CPR - they have issued the claim, and you need to see ALL the documents mentioned in the PoC.

 

The fact that they are claiming the original amount without reference to any payments made is odd. Can you tell us more about the specific timelines?

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Thanks DonkeyB , have deleted file from photobucket as cant find how to edit post yet.

I have today issued CPR and CCA so will wait and see. Informed court I am defending whole claim, as for timelines will be looking through old paperwork and then put it up later this week, depending on what I find.

Thankyou

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Andy just press the black rectangle (report post) on the post number in question, and request the Site team to edit it

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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