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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.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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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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My own experiences with Bryan Carter


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I moved to Northern Ireland from England in 2007. To be short, I wasnt in the best of health mainly due to the job I was doing and just packed in my job and left quietly without telling anybody where I was going moved to NI to be with my partner who I had met online. I didnt bother notifying my creditors as I figured id be unemployed for a while and so wouldnt be able to pay them.

In 2008 I received a letter from BC demanding £50 a month for a court order they had obtained in payment for my MBNA card. They pretty much wanted this money yesterday so I phoned them to tell them I didnt have it. The conversation went pretty much like this:-

 

Me:- I dont have this money

Them:- Well then we'll turn this over to the bailiff.

Me:- Just before you send anybody round I have a mental health condition that makes me prone to violence.

Them:- Youre making threats there. We will report that to the police.

Me:- I have threatened nobody. Im just giving you all the information you need to make the correct risk assessment to protect the welfare of your employees.

Them:- We have a court order for this amount. We can send a bailiff round if we want to.

Me:- How did you get a court order? Ive never received a summons.

Them:- We summonsed you at your address ********************** in Manchester.

 

Rather than have any hassle I made payments on the account for a while and then they sent me letters saying I hadnt paid and demanding more money. At this stage I had done my legal homework and was a bit better prepared when I called them. This time the conversation went like this:-

 

Me:- Ive already paid and I can prove it. Im not paying any more.

Them:- In that case we will pass this on to the bailiffs then. We have a court order.

Me:- From which court?

Them:- Northampton County Court

Me:- When was it obtained?

Them:- January 2008

Me:- In that case your judgment is illegal and unenforceable. I moved to Northern Ireland in February 2007 and its illegal to bring a civil prosecution against a person in an English court if they dont live in England, in the same way it'd be illegal for me to prosecute your company in a Northern Ireland Court.

Them:- Well we didnt have a forwarding address, so we prosecuted you at the ******** address in Manchester.

Me:- Really? Thats another offence under the outlawries bill.

Them:- The what?

Me:- The bill to prevent clandestine outlawries. Its a piece of legislation that dates back to the Anglo-Saxon days when failing to answer a summons meant somebody was declared an outlaw and could be killed on sight without fear of legal redress.

Them:- Well im sorry about that but we have a judgment and if payments arent made then we are allowed to bring a bailiff in.

Me:- Well go ahead and do that, if any bailiff sets foot on my property they will be going away in handcuffs.

Them:- Why? Theyre allowed to do their job, its not a crime.

Me:- It is in Northern Ireland. The legal system in Northern Ireland doesnt allow the operation of private bailiffs. In the event you had a judgment from a Northern Ireland court you would contact the enforcement of judgments officer at the High Court in Belfast, but he would only seize goods as very last resort. If you send b ailiffs around the minute they set foot on my property they are burglars and...

Them:- How would they be burglars! Burglars are people who break into your property and steal things!

Me:- The definition of burglary is trespass with the intent to committ a criminal offence. Your bailiffs are not welcome on my property and have no authority to enter therefore the moment they set foot on my property intending to seize goods or recover payment they are committing burglary and I will see them being taken away in an armoured landrover with handcuffs on.

Them:- Ill need to speak to my manager and ill get somebody to give you a call back.

Me:- Dont bother if the conversation is going to take a similar tone to the one weve just had. The law is on my side on this one.

 

This was the last conversation I had with them until 2012 when they phoned me to ask why I hadnt paid. I had actually sent them a letter explaining I was being made redundant from my job and wouldnt be able to make payments until my situation had changed. I havent heard from them since.

 

Knowledge is power!!!!

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