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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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vanquis debt transfered to 1st credit help please


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i have a card wtith vanquis with a balance of £2800 . i had agreed payment of £71 per month with no interest added with vanquis of which i fell behind on two payments total £142 .i went to make a payment online on the31/10/11 but it said my account was blocked so i rang up and was told to contact 1st credit and gave me the number . next morning i rang vanquis back and said that i could pay £71 and another £71 on fri 4/11/11 and i was told i could keep making the payment to vanquis and to inform 1st credit that i was still paying vanquis. then i recieved a email and text from 1st credit saying they had taken over the account and to contact them .i phoned vanquis and asked again about the account and they said the person i rang at vanquis should have told me to contact 1st credit .i told them that £71 had been paid on 1/11/11 but they were not interested and told me i had to deal with 1st credit . on the same day ithen recieved another text from 1St credit saying if i paid withinin the first month i would get a 25% dicount taking the debt down to £2107 .i badly need advice on what to do next any help would be appreciated thanks

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i have not had any letter off vanquis stating that they have transfered my account to 1st credit the last letter i recieved was on the 23/10 11 which stated tha my arrears were £142 and that the letter was not a demand for immediate payment . i just got home and have recieved a letter form ist credit asking me to contact them or they could doorstep me to verify my adress and prepare a pre legal report and discuss repayment of the outstanding amount or they may conclude court proceedings are necessary to recover the debt

thanks again

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Until you receive a notice of assignment stating that 1st crud are dealing just carry on with Vanquis. Do not speak to 1st Crud on the telephone all contact should be in writing.

 

It may be worth reclaiming any unfair charges made by Vanquis, to do that you would need to send them a SAR which will cost £10. You will receive back copies of statements, credit agreement etc.

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thaks cerberusalert . does the letter i recieved from 1st crdit count as a notice of assignment or does the notice of asignment have to come from vanquis also if i try to reclaim charges off vanquis does the hold off any action 1st credit can take against me as i would be in dispute with vanquis

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does the letter i recieved from 1st crdit count as a notice of assignment or does the notice of asignment have to come from vanquis

It depends on how it's worded, but the easiest way to settle whether it has been assigned to them or not is to ask for a CCA which costs £1 http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

also if i try to reclaim charges off vanquis does the hold off any action 1st credit can take against me as i would be in dispute with vanquis
Yes you can dispute the amount owed.
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Wait until 1st Cruds contact you by normal mail & then send the CCA request. If the a/c has been assigned to them they will be able to get a copy of the agreement from Vanquis.

 

should i try to reclaim any charges

thanks

 

It depends on how much they have charged you really.

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on my credit report it's showing 2 x accounts with vanquis the original is showing settled then the other one which started in may which they transferred to when they agreed the 71 pound payments is showing one payment late I have the default notice but i can't access it till tomorrow thanks for your help it's much appreciated

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