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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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TH3 SOLUTIONS - Mortgage Express/GMAC


pdaddy
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hi there, has anybody out there heard of a company called TH3 Solutions?

 

my wife recived a call 2 weeks ago from a very stroppy, arrogant, patronising man from a mobile phone tellign her she was entitled to about £3.5k worth of PPI insurance refund from when our original mortgage was with gmac (which then got sold onto ME!) they knew ALL her detials, how much we borrowed, how much we owe, how much we pay each month, name, DOB, address as well as ALL my detials.

 

the alarm bells started wringing when they asked her for her credit card detials - the thing is they had the first 8 numbers completely correct!! luckily my wife challenged them and ask 'why do you need these detials' - they stroppily replied 'so we can actually verfiy who you are mrs d'.... hmmm

 

the guy then went onto a massive rant tellign her that 'fine we'll give your money away to charity then if you dont want it' and got very very lairy with my wife, she was playing him to be fair, and has a got knack at winding people up. but in a p[refessioanl and courteous mannor.

 

she contacted the police, as when she called back the number that had come up on her mobile - lo and behold - its a dead number...

 

first thing she thought is oh no were victims of ID fraud (again!!) so called the police who are looking into it. we have been away all w/e long and i jsut got back now, as i googled them, seems they only started up last year. but unsure as to whom/what they do.

 

the thing is, a few years back we did ALL the companies we had PPI with and won! but neither of us are sure we had any ppi with GMAC at the time we took out our mortgage? weird?

 

if anyones got any advice id really appreciate it - or if they know anyone else thats been contacted by these buffoons? - are they real - are they legit?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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Hi pdaddy,

 

You can check whether they are a registered claims management business on the dedicated government website https://www.claimsregulation.gov.uk/search.aspx . I've done a quick search and they certainly don't appear to be registered. If you do a search and they're not there it takes you on to a screen where you can report them to the Ministry of Justice and make a complaint so that might be another avenue for you to pursue.

 

KC

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  • 4 weeks later...

 

 

Yes unfortunately I came into contact with TH3 Solutions last night, run bya man called Kieron Evans, he telephoned me from the telephone number02920021633 extension 1048, calling me in relation to a PPI claim,telling me I was going to receive £1800 but to initiate this claim i had pay£199 for him to have access to my data, he knew everything about my mortgage,my standing order, my bank, the amount I paid and 6 digits of my debit card details.Alarm bells rang when he gave me a deadline to pay the money, I had 20 minutes!and when he refused to give me a written confirmation request for why the £199was needed and when I questioned him he became angry, rude and very agitatedwith me. THIS MAN IS A BULLY AND A FRAUDSTETR AS IS THE COMPANY CALLEDTH3 SOLUTIONS! BEWARE .....I have of course reported him to the policewho are investigating.

Take Care People

Miss -Sunshine x

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  • 6 months later...

Well don't I feel foolish! Back in April I did pay this man £199! Regretted it instantly and called him back saying I was not happy and wanted my money back. He was very rude, patronising and arrogant. We continued to call them weekly since and kept being fobbed off! I am an intelligent person but feel very very stupid now! Looks like I have kissed goodbye to £200!!

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