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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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I'm sinking. PLEASE HELP WITH WONGA AND QQ


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I've got 2 loans which are due on the 28th and 29th of march.

Quickquid and wonga, it's spiralling out of control.

 

 

When these come out it is going to take all of the money I have in my account so I would have to take out more to pay bills and food etc.

really don't want to do that,

I'm throwing money down the drain.

What can I do?

 

 

Should I open an account at another bank then move my pay etc to it and then contact the companies?

Or should I contact the companies first?

 

 

I have an overdraft on my current account and that relies on my pay etc going into it?

 

 

I've heard PDL will take money even if an agreement is in place.

Will I even get accepted for a basic account?

Any info greatly appreciated.

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First step you will need to do is to secure your income.

 

1: New bank account with a different bank

2: Get funds into that account a.s.a.p

3: Report your bank card lost once you have secured access to funds, new account etc..

3: CPA Stop letter to the bank (recorded delivery) and hand delivered if possible

4: Letter to Pay Day Loan companies explaining financial problems and removing authority to use card details provided and

asking for payment plan.

 

Do not contact the pay day loans companies until you have secured your funds/income, They have a habit of emptying accounts

once they realise your having financial trouble.

Keep your overdraft to its limit until you get written confirmation from the bank that the/all CPA have been stopped, You will find the bank

less likely to authorise any transfer when they will be using their own money.

 

George

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Hi welcome to CAG. Biggeorge has given some good advice that you should follow. Try no to worry. The main thing you need to do is secure your finances, so you are one step ahead of them. This allows YOU to dictate repayment plans on your terms, and not have them trying to steal your money.

 

The good thing is, you have plenty of time to sort things out. So the earlier you can get a new account open or secure your current one, the easier you will find things.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Any ideas of a bank that might accept me if I have bad credit? This is all so daunting. So I should open acc, then transfer my wages etc then wait to default or should I contact the PDF before the due dates for both loans. Thing is I can't afford to pay any other bills if I pay them. I'm really struggling with all this. Wish I had never been so stupid. Thanks for both your responses by the way. It's good to have some support.

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Pdls are low priority. Pay all your other bills first. If therss only £1 for the pdl then thats all they get.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok going to phone coop and see how I get on. Will PDL call my work and shame me, there re several receptionists at my work and an intercom system. If they do is it Enough to say that they have called my place of work and I'm unable to discuss it. Are they allowed to tell reception who they are. Oh the SHAME.

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They are NOT allowed to call your work. If they do, you must make formal complaints to the lender AND the regulators. If they tell ANYONE who they are, then they have breached the DPA.

 

However, i think you are getting ahead of yourself right now and worrying unnecessarily.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 years later...

Hope ur still around on here. Just wanted to update you. It's been a damn long road. But finally after going through all the channels, paying back the debt, then complained to both wonga and quickquid about irresponsible lending and not agreeing to set up payment plans I have some news. The financial ombudsman have just gave decisions on both, wonga are to refund all interest and charges on all 12 loans, add 8% interest on and remove all footprint from my credit file. #winner. Quickquid after denying my claims and telling me they done all the checks etc they should have and didn't do anything wrong, are to refund 9of 12 loans , all charges and interest and remove 9 loans off my credit file. My nightmare is almost over.

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Yes I am. Both companies sent me generic letters stating why they were not irresponsible and QQ even offered a measly £150 which I refused. So happy they have to remove most off my credit file, not perfect I know, but I feel it's a victory for me. Couldn't have done it without this site. Donation to follow.

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