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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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    • 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.

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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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Offering monthly payments


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Both my husband and I have debts - ( second marriage )

- when a company asks for income and expenditure

- how do I deal with this ?

 

 

The house is in my name,

my husband pays maintenance for his child

and I have to support my youngest through Uni -

heating oil is really expensive

and we both have to drive to work so we have to have two cars

- any advice?

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Can you give us more info on who is chasing you and the debts they are after? An I&E only needs to be very basic, depending on the company chasing you. PDL's for example only need to be very minimal. I&E's for secured loans or legitimate high value debts normally contain a bit more.

Edited by renegadeimp

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

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Me

 

RBS - Oliver Scott and Blair - 16k; enforceable

 

Husband

 

Arden - Chasing for Lombard Direct 1k

Lloyd's Bank - 6.5k - 3.5k and the rest is charges - all enforceable; complained to FOS and they upheld Lloyd's

Lloyd's Bank - £896 - have steadfastly refused to negotiate f&f and nor solicit ores are threatening legal action

 

That's it . A far cry from the 115k debt we found ourselves in when we first met 9 years ago.

 

Just trying to sort out the last little lot. None of these is a secured loan.

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When you say the FOS found in favour of the bank, was that the actual ombudsmans decision, or the adjudicator?

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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As this is an 'us' situation, you both must write down exactly who and how much you owe money to.

 

You add up your joint income and take away the household bills in priority, mortgage/rent, council tax, utilities etc. What is left you divide amongst your creditors so they all get the same amount.

 

Don't be over zealous in the amount you have disposable, you need family maintenance and something for emergencies.

 

Now you 'tell' your creditors what you can afford and how much they will be getting. Send them a cheque with that amount and then set up standing orders so the payments continue.

 

It's not so much the amount but the reliability of the payments which is why you mustn't pay out too much. Only pay what you know you can afford without missing any further payments.

 

Have you checked your agreements? is there ppi or unlawful charges you can claim back off them? If you haven't, get all your paperwork together and go through it very carefully.

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  • 1 year later...

Not a lot really. They keep asking for I&E and I haven't given it to them. Couldn't make a payment in Feb because the car failed the MOT. Didn't make one last month because the washing machine broke. I write to them and told them , they put my account on hold. But they want I&E. And I don't want to include my husbands income. The debt has bugger all to do with him.

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The debt is yours alone so they cannot ask ANYTHING of your husband tell them politely to do one

 

 

Can you now again list the current debts with better info please like what each one is and so on

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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