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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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Hello all,

 

My husband has an IVA which he started in 2008 and which was made up of business debts to the tune of about 13K. He has 5K remaining on it and its due to finish next year.

 

We have recently moved abroad and he stopped paying the IVA, so it has gone unpaid for roughly 9 months (unbeknown to me at the time). I am on a bit of a quest to sort out our finances at the moment so have taken over all his affairs, I dont know much about IVA's so am looking for some advice please.

 

He called Debt Free Direct, the iva company, a month ago to touch base, apologise for missing payments, let them know we had moved etc. They informed us that the account had been passed on for 'failure' because he had not paid it and had also not responded to communication from them, but that a hold note had been put on the account pending further communication from us.

 

My questions are -

What does IVA failure entail? if it means it stops then will he get a load of creditors after him again even though we are no longer resident in the UK.

 

He took out a credit card a year ago, I believe this is not allowed under the terms of the IVA. We are now stuck trying to repay vanquis which means that an IVA payment would have to be less....however, if we admit all of this will there be huge trouble?

 

The IVA is due to finish next year, because he missed 9 months of payments, do they extend the term by 9 months? or will it end and have a lump sum outstanding?

 

I believe there is PPI on the account as have looked through statements and it shows up. Can we reclaim this to be taken off the balance outstanding on the IVA?

 

What can the IVA company do to us now we have moved abroad? is his IVA even still legal?

 

What do I do and where do I go from here - as in the best way to deal with this, any letter templates, stories from others.....anything would help!! Do I write or do I call?? I have had some great advice from this forum so far and feel so empowered by it!

 

Thanks all.

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Hello all,

 

My husband has an IVA which he started in 2008 and which was made up of business debts to the tune of about 13K. He has 5K remaining on it and its due to finish next year.

 

We have recently moved abroad and he stopped paying the IVA, so it has gone unpaid for roughly 9 months (unbeknown to me at the time). I am on a bit of a quest to sort out our finances at the moment so have taken over all his affairs, I dont know much about IVA's so am looking for some advice please.

 

He called Debt Free Direct, the iva company, a month ago to touch base, apologise for missing payments, let them know we had moved etc. They informed us that the account had been passed on for 'failure' because he had not paid it and had also not responded to communication from them, but that a hold note had been put on the account pending further communication from us.

 

My questions are -

What does IVA failure entail? if it means it stops then will he get a load of creditors after him again even though we are no longer resident in the UK.

 

He took out a credit card a year ago, I believe this is not allowed under the terms of the IVA. We are now stuck trying to repay vanquis which means that an IVA payment would have to be less....however, if we admit all of this will there be huge trouble?

 

The IVA is due to finish next year, because he missed 9 months of payments, do they extend the term by 9 months? or will it end and have a lump sum outstanding?

 

I believe there is PPI on the account as have looked through statements and it shows up. Can we reclaim this to be taken off the balance outstanding on the IVA?

 

What can the IVA company do to us now we have moved abroad? is his IVA even still legal?

 

What do I do and where do I go from here - as in the best way to deal with this, any letter templates, stories from others.....anything would help!! Do I write or do I call?? I have had some great advice from this forum so far and feel so empowered by it!

 

Thanks all.

 

Hi

 

Just a brief guide from me based on the limited info provided

 

If the IVA is breached either by missing payments or another rule such as taking on further credit then it may be failed / terminated as per the IVA TERMS AND CONDITIONS.

 

He could be made bankrupt if there are assets or the IVA just terminated leaving creditors free to pursue again where balances are outstanding on the original total debts.

 

It would depend on where you are as to if and how creditors would try to pursue you however if you returned then it would the basic process again, as before really.

 

If there are assets and PPI claims it might be possible that the IVA company could look at a full & final settlement using these and including the monies already paid into the IVA too date (they will want their fees howver)

 

The PPI issue is a much debated subject as far as IVAs are concerned as any claims would be classed as an asset if it is stated in the IVA terms and conditions.

 

If you use a claims company for any PPI claims then there can be whopping percentages taken out for their fees, many IVA companies recommend claims companies to do the PPI stuff and again this is a much debated area.

 

I would be surprised if the IVA company have not already mentioned or looked the PPI issue.

 

The IVA company might look at extending the payment period depending on the above and how far things have already gone

 

If he is solely in the IVA then it is he who needs to speak with the IVA company to be certain on the overall situation and options etc as they will not likely discuss things with you unless you have your husbands signed consent or he is present when you call and gives his permission for you to discuss.

 

They will more than likely ask why payments have stopped and what his / your current financial position is (disposable income wise.

 

There may be a way forward to sort things depending on payments into the IVA too date, potential PPI claims, assets and any possibility of future payments into the IVA etc but again this would depend on full overall circumstances;

 

If the IVA company have put a hold note on the account pending further communication from you then that speaks for itself and you need to take carefull heed any time limits regarding the account hold.

 

On a plus I have seen a number of IVAs settled by full & final recently but again it would depend on full circumstances and individual cases.

 

Speaking with the IVA company is the key here

 

Like I say just a brief guide only from me based on what you have put so far.

 

It might be a good idea get full advice third party advice agency if possible again keeping in mind any time limits regarding the IVA companies hold on the account (this is of paramount importance)

 

Any decisions are left with you

 

Best Wishes

Edited by Wintry
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Hi

 

Just a brief guide from me based on the limited info provided

 

If the IVA is breached either by missing payments or another rule such as taking on further credit then it may be failed / terminated as per the IVA TERMS AND CONDITIONS.

 

He could be made bankrupt if there are assets or the IVA just terminated leaving creditors free to pursue again where balances are outstanding on the original total debts.

 

It would depend on where you are as to if and how creditors would try to pursue you however if you returned then it would the basic process again, as before really.

 

If there are assets and PPI claims it might be possible that the IVA company could look at a full & final settlement using these and including the monies already paid into the IVA too date (they will want their fees howver)

 

The PPI issue is a much debated subject as far as IVAs are concerned as any claims would be classed as an asset if it is stated in the IVA terms and conditions.

 

If you use a claims company for any PPI claims then there can be whopping percentages taken out for their fees, many IVA companies recommend claims companies to do the PPI stuff and again this is a much debated area.

 

I would be surprised if the IVA company have not already mentioned or looked the PPI issue.

 

The IVA company might look at extending the payment period depending on the above and how far things have already gone

 

If he is solely in the IVA then it is he who needs to speak with the IVA company to be certain on the overall situation and options etc as they will not likely discuss things with you unless you have your husbands signed consent or he is present when you call and gives his permission for you to discuss.

 

They will more than likely ask why payments have stopped and what his / your current financial position is (disposable income wise.

 

There may be a way forward to sort things depending on payments into the IVA too date, potential PPI claims, assets and any possibility of future payments into the IVA etc but again this would depend on full overall circumstances;

 

If the IVA company have put a hold note on the account pending further communication from you then that speaks for itself and you need to take carefull heed any time limits regarding the account hold.

 

On a plus I have seen a number of IVAs settled by full & final recently but again it would depend on full circumstances and individual cases.

 

Speaking with the IVA company is the key here

 

Like I say just a brief guide only from me based on what you have put so far.

 

It might be a good idea get full advice third party advice agency if possible again keeping in mind any time limits regarding the IVA companies hold on the account (this is of paramount importance)

 

Any decisions are left with you

 

Best Wishes

 

Hi,

Thank you so much for your reply. Unfortunately after submitting an income and expenditure form the iva company has terminated the agreement.

 

We are living in the Republic of Ireland and have no assets like houses or cars or actually savings. Could they chase us over here through the court system for the debts.

 

Also none of his creditors from the iva show on his credit report, just the iva as a court judgement. The ppi remains a cloudy issue, we have requested all details of ppi payments made.

 

Now the iva is in failure I presume that we can claim the ppi and then keep the money/use it to pay off any other creditors? And that we do not need to do this through the iva company itself or the agency they recommend?

 

Thank you so much for your help and response, it's all a bit confusing to me and my husband just burys his head in the sand.

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