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    • Good Evening, I received this pack yesterday its an application notice to change claimants. Will they be chasing me for this as they were successful with the first claim? many thanks Webb 1.Application Notice N244rd.pdf 2.Asset Transfer Deed r.pdf 3.Notice of Assignment Part A Letter 1 & 2rd.pdf 5.Claim Form rd.pdf 6.Draft Order rd.pdf
    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and 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.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) 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.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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MKDP Credit Report Entry


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Ok I received a letter today from MKRR saying I have ignored them and they will keep hounding me with letters and phonecalls until I get in touch.

 

As said previously I have sent a CCA request to them and they signed for it on the 27th May. The new letter is dated the 30th May.

 

Any advice?

 

 

Ignore all contact until the CCA request 12 + 2 working days has expired or they respond earlier, then it will be easier to decide what to do next.

  • Confused 1

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Thankyou will do, does it matter if I sent the CCA to MKDP(parent company) or MKRR?

 

Thanks.

To the Compliance Manager the Compello Group same address as MKDP/MKRR.

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I just sent the letter to small print at the bottom of the page which said MKDP, however the letter came from MKRR, Does this Matter?

 

Thanks

Same company/same group just another desk, Compello is the parent co.

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Thanks for all the help so far everyone.

 

I have made a donation to help support CAG

 

 

Excellent I am sure the donation Will be very much appreciated!!

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  • 3 weeks later...
Hi,

 

Got a little update logged onto my credit report today and the MKDP default has now been removed. What are they playing at?

 

Thanks

 

 

If there is no CCA available possibility is that MKDP have sold it on or returned it to the original creditor.

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Ok Thankyou for the reply, Seems very strange though.

The workings of the debt collection " industry" are more underhand than strange!!

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  • 1 month later...
Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

 

 

Sounds like a " profit sharing deal" you spoof the poor bugger into paying and we'll share the proceeds.

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  • 1 month later...
Hi,

 

I've had a response regarding the missing £370 in there PPI calculation.

 

It all looks like rubbish to me.

 

I would appreciate another pair of eyes to see if they are talking rubbish or not as its beyond me.

 

Many Thanks[/quote

 

 

 

 

There's a lot of very similar letters around at the moment. yes there is a difference in the way the compensation is calculated and it does cause confusion, but I believe they are right.

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