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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 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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Paypal Premium+iQor+GPB Solicitors


tomtom1991
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Hi all,

 

So I'm like many of you,

 

I'm being hounded by letters from iQor and at the moment GPB Solicitors saying that I need to pay up for a debt from my Paypal Premium account that was closed before all of this arose.

 

The debt is for around £2500, which is has been swindled from me - I'm not too sure what has happened because my account was closed

before I could find out what Paypal/eBay had against my auction.

 

At the moment I'm just ignoring their letters,

 

should I carry on this way in the hope that they finally give up?

 

Or should I actively be doing something about this because they do actually have some power against me?

 

Many Thanks

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Hi welcome to CAG,

 

Please give us as much detail as to how this has arisen it will be easier to advise.

They could issue a County Court claim. If you have letter regarding this please

remove personal data and account numbers and post up here.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Are you saying that you had a Paypal account which you then closed and subsequent to that a fraud was practised upon the account which has left it £2.5k down?

 

Why did you close the account and how long after you closed it did the fraud take place?

 

Is there no doubt that you did not access the account or make purchases against it accidentally using a preregistered paypal payment system that you had forgotten about?

 

When you say that the money has been swindled from you, - why do you say that if you have nothing to do with it?

 

Have you had any communication at all with the swindler?

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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

DO IT IN PAINT.EXE or any photo editing program

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for all your speedy replied everyone, I'm quite cautious as to what information I divulge incase it is seen by any of the vultures that are chasing me!

Paypal reversed my payment for an item I sold on eBay in August 2012 sometime, the item transaction went through fine. But I have still been put into negative. iQor first wrote to me saying that I had this withstanding debt that needed to be paid and that if I didn't they would issue involvement from solicitors. So now, GPB have sent me a letters saying the same thing as one of you have said and that they MAY issue a County Court Claim. Can they actually do this with how shady Paypals Terms and Conditions are?

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What reason was given for the payment reversal?

Yes they could issue a CC claim but would have to give all the answers as to how and why they took this action.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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This is my problem, I don't know why they reversed the payment because my account is now closed.

What would you suggest I do please? How likely is it that they are going to issue a County Court Claim when they haven't heard a whisper from me? Am I doing more harm than good by ignoring them?

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Not anywhere near that yet So,

 

I suggest a subject access request to Paypal, this requires them to provide all data they hold on you and the account, there is a£10 statutory fee to pay and Paypal have 40 days to comply, use the template from the CAG library for this, address to the Data Controller at PP.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Excellent thank you!

 

I'm really sorry to keep bombarding you with questions, but if it turns out that Paypal have a 'legitimate' reason...does that concrete iQor and GPB's threats? Because if so, I'm 15 days past their deadline for full payment and therefore they should be issuing me with a CC claim :!:

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Emmm cannot speculate on that,but even if they issue a claim, my thoughts are that you would have known by now.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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