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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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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wilkin/arrow cap1 debt claim form


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Hi,

I have recently sent a cca request to a solicitor working on behalf of a dca

and received an immediate reply that they were unable to deal with the request

and returned the £1 postal order because the ccj claim has already been issued,

 

I also forwarded a copy of this letter to Northampton court , please let me know where I stand with this one

 

The debt in question has been dormant since 2008

 

Many thanks

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When did they win the CCJ against you?

What is the debt?

What is the name of the solicitor and who are they collecting for?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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When did they win the CCJ against you?

What is the debt?

What is the name of the solicitor and who are they collecting for?

 

Hi,

 

the debt was originally a credit card debt for just under £11,000 to capital one,

 

the dca is arrow global represented by wilkin chapman solicitor.

 

At this stage the ccj is in the claim stage and has not been judged,

 

having received the claim form from the Northampton ccbc which

 

I replied to with a copy of the original letter sent to the solicitor in question.

 

To date I have no response from the court and

 

the return letter from the solicitors informing me they are not dealing with it

because a claim has been issued and

 

returning the £1 postal order payment for the vac request for the debt that I do not acknowledge.

 

Many thanks

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moved to the legals forum

from the debt management company forum.

 

have you ack'd the claim on mcol with the password?

 

can ou type up the PoC exactly as it appears on the claim form please

 

what is the claim date top right too?

 

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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You can request a copy of the agreement anytime up until judgment....could you clarify what exactly you have submitted as a defence?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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You can request a copy of the agreement anytime up until judgment....could you clarify what exactly you have submitted as a defence?

 

Regards

 

Andy

Hi,

 

Many thanks for your response,

the only thing I have submitted is a copy of the letter sent to the solicitor requesting the cca to Northampton court,

I have not responded directly to the ccj in anyway and have not submitted via mcol.

 

I will type up the full details this evening when I have the paperwork back in front of me.

 

To date no judgement has been made.

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moved to the legals forum

from the debt management company forum.

 

have you ack'd the claim on mcol with the password?

 

can ou type up the PoC exactly as it appears on the claim form please

 

 

 

what is the claim date top right too?

 

dx

The issue date on the claim form is 27th jan 2014

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If you could ...their particulars / date of claim..... verbatim but remove any identifiable data.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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If you could ...their particulars / date of claim..... verbatim but remove any identifiable data.

 

Regards

 

Andy

The claimants claim is for £10,*** being monies due from the defendant to the claimant

in respect of a regulated credit card agreement between the defendant and capital one

and assigned to the claimant on **/02/2011,

 

notice of which has been provided to the defendant.

 

The defendant has fallen to make payment in accordance with the agreement

and a default notice has been served pursuant to the consumer credit act 1974

 

The claimant claims the sum of £10,***

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And the date of issue?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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post 7

 

andy

 

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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what does your creditfile say about this debt please

 

and you say dormant since 2008

when was your last payment?

 

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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what does your creditfile say about this debt please

 

and you say dormant since 2008

when was your last payment?

 

dx

 

Hi,

 

The credit report shows :

 

Credit card from arrow global limited

defaulted 02/2009

start date 04/2004 ,

 

this record has no information with regards to past payments

and the original details from credit card company

do not show on the report.

Record last updated 03/2011

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ok so no real chance of statute barring then.

 

knowing cap1 of that era

they'll be hardpushed to get the signed agreement.

 

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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ok so no real chance of statute barring then.

 

knowing cap1 of that era

they'll be hardpushed to get the signed agreement.

 

dx

 

Unfortunately a little to early for the stature bar, I am thinking I will send the second stage letter for non receipt and enclose the original letter and postal order with it to the solicitor and a further copy to the courts.

 

At present there are no further updates showing on mcol from Northampton but I'm hoping I can get that retracted and the company are up to their usual standard for supying the docs.

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There are no further updates on MCOL once a defence has been submitted...thats the end of line...it either remains stayed or transferred to your local county court.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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