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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
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    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can be done as soon as Judgment is given.

 

Did you know about the debt initially? Did you acknowledge service? Did you defend the action? You can consider asking for a Variation order and if so ask to suspend the Warrant at the same time.

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Hi Ploddertom

I did know about the origanal amount but i had not heard anything from them since sept 2011. after i sent a cheque to them. the only other contact before this judgment was a fake debt collector and them asking me to buy more goods on credit up to and including last week

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Hi Ploddertom

I did know about the origanal amount but i had not heard anything from them since sept 2011. after i sent a cheque to them. the only other contact before this judgment was a fake debt collector and them asking me to buy more goods on credit up to and including last week

 

May help if you can explain how it came about as there may be some wriggle room possibly.

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What was the exact wording on the order, as said already was a set time 7/14/28 days given for payment

or did it state payment fortwith? ie immediately.

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Hi Ploddertom

I bought some ink cartrages and other staionary items from the company in question on a 30 day credit account in september 2011 sent a cheque at the end of october, about the same time i was contacted by the companys debt coolector saying i hadnt payed and that if i didnt pay imideatly they would take action, as i thought i had payed i took no notice, i recived more calls from this debt collection company and after telling them that they were harrasing me looked them up and found that the debt collectors consumer licences had expired so reported the to trading standards. in november my sister had a major stroke and i spent 6 weeks travling every day to london, in the meen time i heard no more from either the company or thier debt collector, in January they started telephoning me to see if i needed any more ink cartragies i said no and they have been phoneing ever since the last call was two weeks ago. I have had no contact from thier accounts department in the form of a statment or telephone collection call or any other debt collector and no notice from them or the courts about pending court action

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can you tell us the amount of the Judgment ..we are not prying simply want to see if the amount could lead to a transfer up of the Judgment to a writ of fi'fa'.

next question ...would you be in a position to pay the principle to the debt (base only without costs or fees) if yes then you can apply to have the ccj set aside..if no then you still have the option to applying for a variation order..this allows the Court to look at your finances and will set the the repayments at.a rate affordable and not what the Claimant or bailiffs demand !!!!

 

ps...was the cheques you sent ever cashed????

 

 

WD

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If you can afford the principle amount send payment direct to the Creditor. Having not received Notice to Claim you were unaware of the action and subsequently denied the right to defend or counterclaim, Then you will need to apply on form N244 set aside and if you are on low income form ex160 will also be needed to apply for fee redemption.

 

If set aside is successful (the debt having been paid always helps) then costs to the Judgment are wiped out and any fees the bailiff thinks to be due also disappear.

 

WD

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Forgot to say the aleged court bailf on the phone today said even if i file a N244 he would levei against goods and remove to protect the rights of the claiment, i told him that if i had proof that this had been done he couldnt he said watch him

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