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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
    • 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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Red Debt Collection - Help needed


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Good Evening Brig & Teaboy

 

I've been looking at this discussion with interest because it is going to help me with a matter I am looking into at the moment.

 

As a matter of interest I did find the following thread which has some discussion which is perhaps of relevance.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?242324-Notice-of-Assignment-the-law-of-Property-Act-Arrow-Global

 

I don't want to hijack the OPs thread but in connection with the matter I am dealing with, a NoA was received from both the OC and New Owner in the same envelope which was delivered by ordinary mail. The new owner has not been contacted in any way and from the above it seems that they will not be able to enforce as the NoA was not delivered in accordance with the Act.

 

As I say...watching with interest

 

Best regards

 

ims

 

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I am going to get one of my colleagues to research this, as I am inclined to the opinion at present there

is no prescribed order as to the use of of RP or RD only that it is deemed to be a ''method '' of service.

 

Well a registered letter as stated by the act, would in my opinion include both registered post and recorded delivery. But standard post is not as there is no prove of postage or delivery where as registered or recorded you do have such proof. It is the proof of postage/delivering that is important and what would be required when stricted to proof it was sent - either way though it must still be sent by the OC and not the DCA. Without such proof then a court would not beable to say one way or the other as to whether it was sent or not or recieved or not - hence why the act makes it clear it must be sent by registered post.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

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Good Evening Brig & Teaboy

 

I've been looking at this discussion with interest because it is going to help me with a matter I am looking into at the moment.

 

As a matter of interest I did find the following thread which has some discussion which is perhaps of relevance.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?242324-Notice-of-Assignment-the-law-of-Property-Act-Arrow-Global

 

I don't want to hijack the OPs thread but in connection with the matter I am dealing with, a NoA was received from both the OC and New Owner in the same envelope which was delivered by ordinary mail. The new owner has not been contacted in any way and from the above it seems that they will not be able to enforce as the NoA was not delivered in accordance with the Act.

 

As I say...watching with interest

 

Best regards

 

ims

 

Geuss that settles it then from the first through posts i read in the linked thread.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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One last comment in the last 5 years iI hve not seen any assignments RD post.

But many from both OC and DCA separately or in the same envelope.

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One last comment in the last 5 years iI hve not seen any assignments RD post.

But many from both OC and DCA separately or in the same envelope.

 

I think there has since been some case law regarding this issue. I am sure this has been discussed on CAG before, with a couple of cases quoted.

We could do with some help from you.

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I think there has since been some case law regarding this issue. I am sure this has been discussed on CAG before, with a couple of cases quoted.

 

well the following confirms what i said - http://news.roslingking.com/?p=391, though i can not find any case law on notice of assignment, but that maybe due to any such cases being more about other things than the assignment itself - so it would be interesting to see some case law.

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Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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thanks for your input, but im confused on what i need to do, i received a NOA through the DCA, which stated that they have bought and own the debt completely. as well as all other documents, statements cca blah blah.

 

what are my next actions?

 

should i respond to the DCA telling them that its unenforceable due to me not receiving a NOA direct from the Egg? or a DN? or Both?

 

Please help i'm a little lost and got another letter today threatening legal action as well as court?

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Well I gave my view some time back that you should ask Egg for a copy of the default notice issued. If you want to do that as part of an SAR, not naming just one document, then do it that way. But if they don't send you a copy of the DN as part of the SAR process, it does not mean that Lowell will not obtain one from Egg later on in the process i.e. if they went to court.

 

I can't see any issues with the NOA, as you have been given notice that Lowells are now the owners of the debt. Not sure it is relevant that you had not received anything from Egg.

We could do with some help from you.

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thanks for your input, but im confused on what i need to do, i received a NOA through the DCA, which stated that they have bought and own the debt completely. as well as all other documents, statements cca blah blah.

 

what are my next actions?

 

should i respond to the DCA telling them that its unenforceable due to me not receiving a NOA direct from the Egg? or a DN? or Both?

 

Please help i'm a little lost and got another letter today threatening legal action as well as court?

 

 

Hi

 

Did you do anything about reclaiming charges etc as per the advice in a previous post?

 

If your letter re: court action full of "Might", "May", "Could" etc etc. If so its just threats. Probably be good of you could post that letter up for advice.

 

 

ims

 

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If you just tell Lowell that you will be making further enquries regarding the way Egg conducted the account and will be back in contact in due course.

 

If there are issues with the charges applied, you should ask Egg for a response at the same time.

 

You could request the DN and a response about charges, in the form of a written complaint to Egg. While a complaint is ongoing with Egg, Lowell should put the account on hold.

We could do with some help from you.

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or should i just request a SAR?

 

Do whatever is easier for you. But within the SAR, ask for a range of information that you want them to include i.e full details of any charges made, calculation of interest charged, statements of account, any letters issued and a copy of any default notice issued.

We could do with some help from you.

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wouldnt me sending a sar to egg invalidate my potential to go staute bar in 18 months?

 

No because the £10 fee relates to the SAR request only.

We could do with some help from you.

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hows this then for a SAR request?

 

Subject access request

 

Dear Sir/Madam

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement/s and any terms and conditions that applied to the account/s at the time of default and at the time the account/s was/were opened.

 

2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with you.

 

3. True copies of any notice of assignment and default notices or enforcement notice that you sent me, with a copy of any proof of postage that you hold.

 

4. Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date/s they were/ it was added and deleted. (if applicable).

 

5. Details of any collection charges added to the account/s; specifically, the date they were/it was levied, the amount of the charge, a detailed financial breakdown of how the charge was/charges were calculated, and what the charge covers/charges cover.

 

6. Specific details of the fees/charges levied by any other agency in respect of this account/these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

9. Copies of statements for the entire duration of the credit agreement/s.

 

10.Termination notices

 

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec)

 

You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007)

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

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As unclebulgaria said i post 34 the SAr is a good option see

the templates in the library, the cost is £10 and it will produce all the data held on the account,

they have 40 days to comply.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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just a quick question, i have the sar letter now and a letter to lowell, wont egg now know where i live now and wont they try pursuing me if lowell cant persue me?

 

They can find out where you live anyway. Why if Lowell can't pursue, do you think that Egg will ? Original creditors such as Egg will often write off debts against tax liabilities and then pass or sell the debts on. They would make an assessment themselves before passing/selling on the debt, as to whether they are likely to make a recovery, based on a number of factors. These include their own assessment of the documents they hold and the ability of the debtor to make repayments.

 

Stop worrying too much and just see what the SAR reveals.

We could do with some help from you.

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With regards to Law Of Property act 1925 the original creditor has to issue the notice of assignment for Absolute Assignment to take place. If they fail to do this then Equitable Assignment under common law will apply. That would mean the assignee would be entitled to any money owed but ownership of the debt would still reside with the original creditor. The assignee could not bring the case before a court in their own name but can do, jointly, with the OC.

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just released that i have a small loan with egg outstanding to but never been chased by them for this or any DCA? the SAR would bring all details of this to wouldnt it. they may still own it. just thinking am i setting myself up for a fall here on the loan? Bollocks to it i need to send the SAR either way im screwed

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