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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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    • 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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      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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I have just received correspondence back from Elaine @bayv

 

Hi Rebecca,

 

I am so sorry you have had cause to complain, especially when your going through such a difficult time. Please be assured I will ensure you are contacted as soon as the office is open tomorrow.

 

In the meantime please don't hesitate to contact me should you need any further assistance

 

Kind regards

 

Elaine

Customer Service Director

 

Will look forward to hearing some positive news tomorrow after youve been contacted by the branch, if she is customer services director i think she should be the one doing the sorting out with the branch, not you. But at least its a start.

If I have been helpful please tickle my scales or better still contribute to CAG.

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We are all back from the BBQ now (sorry boswell, couldn't resist laugh.gif)

.

 

 

What I want to know is.. why wasn't I invited ?

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What I want to know is.. why wasn't I invited ?

 

You were CB, but you never heard, u always have the cans on,lol.

If I have been helpful please tickle my scales or better still contribute to CAG.

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The kettle lead. The manager has been told by the collector that a wire had been detected at the back of TV and this wire may have been used to by pass the box timer, if this was true a kettle lead would have been stripped at both ends this is a crude way of doing this action, unless, that was the only available cable at the time. Anyway the manager reckons this is a good reason for grabbing the tv back,

even that you have paid. £800

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he said so but like i said ive never plugged anything into the tv other than my sky box and dvd player. i wouldnt no how to, the plug connected to the black box and then connected to the tv. I asked the manager what the kettle lead was (i presumed he meant an actual kettle lead of the kettle) but he wouldnt answer me x

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He's lying so he can try and justify entering your house illegally and stealing your property.

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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The kettle lead. The manager has been told by the collector that a wire had been detected at the back of TV and this wire may have been used to by pass the box timer, if this was true a kettle lead would have been stripped at both ends this is a crude way of doing this action, unless, that was the only available cable at the time. Anyway the manager reckons this is a good reason for grabbing the tv back,

even that you have paid. £800

 

Just shows how desperate these morons are to get their goods back picking on helpless people with excuses like that to resell them, i dont think a customer would report a fault with the box while they were bypassing the box. Beggars belief.

If I have been helpful please tickle my scales or better still contribute to CAG.

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he said so but like i said ive never plugged anything into the tv other than my sky box and dvd player. i wouldnt no how to, the plug connected to the black box and then connected to the tv. I asked the manager what the kettle lead was (i presumed he meant an actual kettle lead of the kettle) but he wouldnt answer me x

 

I would think he would need proof that the timer had been by passed !

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exactly, the box had jammed some how so i couldnt put anything into it, if i was somehow trying to con them i would have removed the fault :/ its just awful that they are trying to make me out to be the bad person. I wish i had been here so i could have taken pictures before he had removed it x

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he just said "the guy that took it told me there was a kettle wire in it and this is illegal" so i said "whats a kettle wire" and he said " at the end of the day its our property we can take it if we want" x

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exactly, the box had jammed some how so i couldnt put anything into it, if i was somehow trying to con them i would have removed the fault :/ its just awful that they are trying to make me out to be the bad person. I wish i had been here so i could have taken pictures before he had removed it x

 

From what ive read youve done the right thing, even having your friend to be there to explain the situation, maybe that wasnt such a good idea after all. But then again with the benefit of hindsight we would all be in a diff situation.

You did the right things keep telling yourself that and direct your dismay to the staff (did i say staff) and not yourself.

If I have been helpful please tickle my scales or better still contribute to CAG.

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exactly, the box had jammed some how so i couldnt put anything into it, if i was somehow trying to con them i would have removed the fault :/ its just awful that they are trying to make me out to be the bad person. I wish i had been here so i could have taken pictures before he had removed it x

 

The box normally jams when its full ! or when the coin gets stuck

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hello Rebecca

 

I would expect nothing less than for Bayv to return your TV

and write off the rest of the balance.

 

I would suspect the kettle-lead bit was him trying to justify the removal

you can by-pass their coin box by using one of those.

 

as for the 'repro'

 

he had no legal right to remove the TV without your written consent

you were not there - so end off that - no-one had your authority to act on your behalf

so that 'note' is no good.

 

I suspect Bayv agreements are HP agreements

once you have paid 1/3rd they cannot repro without a court order

 

and even if they got a court order

it WOULD NOT be Bayv guys that did it

but a COURT BAILIFF.

 

however....

 

you need to kick them now

 

I would suspect you have their 'compulsory' insurances

 

you do know they are 'optional'?

 

do you also have house insurance too?

 

let me know

 

as you can at least get the service cover ALL reclaimed at their interest rate

 

and prob the other one too.

 

I would give them 24hrs to returm your tv

 

else you want ALL your money back + 8% stat int too.

  • Haha 1

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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hello Rebecca

 

I would expect nothing less than for Bayv to return your TV

and write off the rest of the balance.

 

I would suspect the kettle-lead bit was him trying to justify the removal

you can by-pass their coin box by using one of those.

 

as for the 'repro'

 

he had no legal right to remove the TV without your written consent

you were not there - so end off that - no-one had your authority to act on your behalf

so that 'note' is no good.

 

I suspect Bayv agreements are HP agreements

once you have paid 1/3rd they cannot repro without a court order

 

and even if they got a court order

it WOULD NOT be Bayv guys that did it

but a COURT BAILIFF.

 

however....

 

you need to kick them now

 

I would suspect you have their 'compulsory' insurances

 

you do know they are 'optional'?

 

do you also have house insurance too?

 

let me know

 

as you can at least get the service cover ALL reclaimed at their interest rate

 

and prob the other one too.

 

I would give them 24hrs to returm your tv

 

else you want ALL your money back + 8% stat int too.

 

I do have all there insurances I didn't no that I didn't have to have them I was told I needed them as unfortunately I do not have home insurance (my landlord won't put alarm systems or security lights in place) but I was told they were compulsory..

I don't have home insurance.

Should I just ring them and tell them they have 24 hours to return it or email? I have paid half of the money owed and they had no consent to enter...

The manager said it's still there property so they can take it whenever they want... And yes it is a HP agreement. Mark the manager made me feel so intimidated so I hope I don't have to speak to him again! Thanks for your help and please let me no how I should do it :) xx

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The box must have been saying you have paid double what im worth stop putting money inside me !

 

I agree I could have bought it twice over, I just thought it would be easier spreading the cost I should have just gone without and saved up lol! Least they left me the remote!!! LOL xx

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I also told Elaine from bayv when I emailed her I have been put on bedrest and told to keep calm as I'm at risk of hemmorrhaging after miscarriage as I have high blood pressure so I could really do without the stress of them but they don't care about the customer, just about the profit :/ im meant to get a telephone call of somebody tomorrow.. I'll let you all no if that ACTUALLY happens! And if so what I was told... Night all and thanks for the help so far :) xx

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I do have all there insurances

I didn't no that I didn't have to have them

I was told I needed them as unfortunately I do not have home insurance

(my landlord won't put alarm systems or security lights in place)

but I was told they were compulsory..

 

I don't have home insurance.

 

Should I just ring them and tell them they have 24 hours to return it or email?

 

I have paid half of the money owed and they had no consent to enter...

 

The manager said it's still there property so they can take it whenever they want... And yes it is a HP agreement.

 

Mark the manager made me feel so intimidated so I hope I don't have to speak to him again!

 

Thanks for your help and please let me no how I should do it :) xx

 

I really really think that the mark character wants his wings clipped

 

its NOT their property to take when they like, esp as you've paid more than 1/3rd.

 

you need to reclaim certainly their optional service cover.

 

and make noises about the other one

 

there are NO RULES that stipulate any HP agreement that states you MUST insure the product.

 

have you all your statements?

 

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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