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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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      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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Stat demand set aside...now bankruptcy petition *** WON ***


mkblue
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Excellent, may I ask what paperwork you have ? (if you want to PM me with this then fine) but I will answer in the open forums, Are they attempting to claim for both the same alleged debts again or just one ? Did you ever submit a CCA request for the original hearing ? Can I also please, please urge you to send an email to the office of fair trading......this time as estoppel is in place and a vexatious abuse of process you should claim for your costs and possibly more.....

 

i'm sorry to be ignorant but i dont know what CCA is? i will do what it takes, now starting to get me down, is there anything i can do?

 

So this is a petition hearing ?

 

yes this is the 2nd one, judge has given it 30mins

 

Do you by any chance have the decision from the court ? (probably not) did you claim your costs last time ?

 

no i wish i had, torn the house apart looking for it

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Excellent, may I ask what paperwork you have ? (if you want to PM me with this then fine) but I will answer in the open forums, Are they attempting to claim for both the same alleged debts again or just one ? Did you ever submit a CCA request for the original hearing ? Can I also please, please urge you to send an email to the office of fair trading......this time as estoppel is in place and a vexatious abuse of process you should claim for your costs and possibly more.....

 

i have the original hearing paperwork from 2009 and i think the 2 other stat demands (3 in total )

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Sounds like you had an excellent judge too.....!! and you will be able to claim your costs and request a bankruptcy restraining order too. I will also suggest you send a letter to Lowells which I will write for you.

 

They will NOT want this to go to court.....PLEASE inform the OFT

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Copy the documents you have.....you have to submit your set aside to the petition at least 7 days before the hearing. So we have a little time to do this.....

 

Thats the problem i dont have a copy of that document

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Just copy what you have.....

 

What you have is enough for the judge to know you got the last stat demand set aside...brilliant.......... Lowells will be in serious trouble for this...issuing a vexatious second demand, after so long and with estoppel in place. We'll concentrate on your costs and damages too.

 

To be updated with some good news.....

 

OFT email address is [email protected] .uk

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  • 2 months later...

Hi

 

I would 1st like to say a massive thank you to 42 man for all the time and effort and being there a low points, without your help i don't think i couldn't have got through it.

 

The story

 

In 2009 i was served with a Stat demand from lowell's, in august 2009 i went to court and had it set aside

 

In 2010 lowell's served me with a 2nd stat demand for the same thing, i told the guy serving it that i had it set aside in 2009, he asked for proof, i gave it to him and he disappeared with the court paperwork and returned later to post the demand through the door, they did not pursue so i thought they had got the message

 

In 2012 i was issued with a third demand, i went through the same process but this time i didn't have the paperwork, i in sept 2012 received a file for bankruptcy, i went to court to fight it and here is a lesson to be learnt for anyone in the same position, the courts only hold records for 3 years, this hearing was adjourn whilst the court try to find it

 

I went back to court in dec 2012 this time lowells got had the hearing adjourn so that the CCA paperwork could be sent to me

 

That brings me to today, i went to court and WON!!! the judge who had originally set it aside in 2009 was today's judge, to put it into a nutshell he through it out and said that lowells had abused the bankruptcy system, he barred them from appealing and basically through the book at them, the only down side was he didn't award costs.

 

So i'm a very relieved bunny, i am now going to forward everything to the OFT and try to stop anyone else going through this hell

 

Thank you again 42 man and the action group, you do brilliant work

 

Regards

 

MKblue

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