Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Egg card and Mortimer Clarke CCJ application


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3527 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Dear Caggers,

I live in Indonesia, and have done so since 2006.

I had an Egg card taken out in 2000, which fell into arrears in 2008, and despite CCA 78 request the documentation received did not appear to satisfy the four corners rule.

I have made no payments since late 2008,but would have to try and check when this was exactly.

I have written to Egg many times to explain the account is in dispute, but as per many fellow unfortunates, it seems the account has simply been passed to Barclaycard and Marlin Capital, and finally Mortimer Clarke.

On a brief holiday to the UK, I found mail piling up at my flat( rented out) including letters from Mortimer Clarke.

I emailed them on 19th June to explain I do not live in the UK, and the account was in dispute.

I have now received a County Court claim form dated 20th June, asking for 12k credit card arrears and nearly 5k interest.

I intend to acknowledge the service initially, but my questions are:

Should I mount a defence based on the fact that I do not live here, and will be unable to attend court to speak in my defence.

Was Mortimer Clarke able to lodge this claim knowing this..?Unless timing was purely coincidental..

Should I apply for another CCA 78 or SAR, and to whom..EGG or MC..?

What is the current feeling regarding pre 2007 CC agreements-are they unenforceable, as was thought a couple of years ago, when I was last in the UK..

Any advice kindly received, and I will buy a scanner in order to load any copy documents required..

Link to post
Share on other sites

  • 2 weeks later...

Dear Caggers,

 

I have emailed and sent a CPR letter to Mortimer Clarke with the following response:

' We are currently taking instructions from our client regarding your document request and will come back to you as soon as we can. We can confirm that your account will remain on hold until we are able to respond.

We confirm that our client is willing to agree to an extension of 28 days, for you to file your defence. Pursuant to CPR 15.5(2) please notify the court of the agreement.

We have received the copy letter from Egg dated 22/06/09. We do not believe that this confirms the agreement is unavailable. The letter states that 'enquiries are continuing'.

If you have any further correspondence, please provide us with documentary evidence of this within the next 7 days.

Further, you advise that you are currently residing in Indonesia. Please provide us with documentary evidence of your current residence. We will then refer to our client for further instructions in relation to this matter.'

A couple of questions:

Should I send in my defence regardless of the above...

I believe the agreement does not follow the 'four corners' rule and when I raised a CCA letter to egg in 2009, they raised a DN and a termination whilst also writing to me to say they were still looking for my agreement, and I could report my case to the Ombudsman due to this breach..

I do have a reasonable amount of correspondence from Egg, but am I obliged to show all to MC at this stage?

Am I also required to give my address in Indonesia to MC when they haven't even shown they have a legal right to this information yet?

Please help me, since this is a huge amount of money we are talking of...

Regards

Link to post
Share on other sites

Give your address to the court ...give them an email address..and yes submit your defence on time irrespective of the above nonsense.

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

Link to post
Share on other sites

Thanks Andy,

 

Should my defence be that the agreement was terminated by Egg whilst they were searching for my agreement, or that the agreement does not comply with the four corners rule, or that the claimant has not shown they have a legal right to pursue me...or all of the above..?

 

Regards

Link to post
Share on other sites

Impossible to comment on your defence not knowing anything of the debt or the claim...if you could read and complete the following posting your responses here...then we can take a look.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

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

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

Link to post
Share on other sites

Thanks Andy,

 

Date of issue: 20th June

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim(verbatim) less any identifiable data and round the amounts up/down. I don’t have the document to hand, but willfind it and add the info.

 

What is the value of the claim? Around 12,000 GBP plus 5k interest

 

Has the claimant included section 69 interest(8%)within the total claim or is it shown separate within theParticulars but not added to the debt? Believe separate

 

Is the claim for a current or credit/loan account or mobile phoneaccount? Credit card

 

When did you enter into the original agreement before or after 2007? Oct 2000

 

Has the claim been issued by the original creditor or was the account assignedand it is the Debt purchaser who has issued the claim. I guess debt assigned to Marlin,since they are applying for judgement.

 

Were you aware the account had been assigned – did you receive a Notice ofAssignment? Possibly fromEgg to Barclaycard but do not remember from Barclaycard to Marlin

 

Did you receive a Default Notice from the original creditor? Yes, but I had raised a CCA requestfor a copy of my agreement, and at the same time Egg both defaulted andterminated my agreement.

 

Have you been receiving statutory notices headed “Notice of Defaultsums” – at least once a year ? No

 

Why did you cease payments:- unable to pay at the time, in (Jan ?) 2009

 

Was there a dispute with the original creditor that remains unresolved? Egg failed to provide a copy of any agreement forat least a year. The copy I was eventually sent does not comply with the ‘fourcorners’ rule.

 

Did you communicate any financial problems to the original creditor and makeany attempt to enter into a plan? Originally wrote and explained I was unable tomake payments but Egg went ahead and defaulted me anyway.

 

Regards

Link to post
Share on other sites

I hope you have completed your acknowledgement of service? Defence is due 22nd JUly.

 

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

Link to post
Share on other sites

I hope you have completed your acknowledgement of service? Defence is due 22nd July.

 

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

Link to post
Share on other sites

Defence ready to go 22nd then ?

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

Link to post
Share on other sites

Hi Andy and Caggers

 

Particulars of claim shown below:

By an agreement between Egg Banking Plc and the Defendant on or around 31.10.2000 "the agreement" Egg agreed to issue the defendant with a credit card upon the terms and conditions set out therein. In breach of the agreement the Defendant failed to make the minimum payments due and the agreement was terminated. the agreement was assigned to the Claimant on 31.01.2013.

The Claimant therefore claims :

1. 12k

2. Interest pursuant to section 69 of the County Courts Act 1984 namely 5k and continuing until judgement or sooner payment at the rate of 2.73

 

Just drafting my defence now and will post it on CAG before submitting on the Govt portal.

 

Cheers

Link to post
Share on other sites

Dear All

1. Itis admitted that I the defendant have held an account with Egg. It isdenied that an account was held with Egg under Account NumberXXXXXXXXXXXXXXXX which is referredto in a letter from Mortimer Clarke Solicitors dated 19.05.14

2. Thedefendant requested information pertaining to this claim by way of a CPR 31.14request on 02.07.14. The claimanthas failed to respond within the deadline set.

 

3. Without clarification of the claimants claim, the defendant is extremelydisadvantaged and the claimants claim appears to be without merit. Thedefendant asks to be allowed to submit a complete defence should the claimantprovide copies of the original documents he will rely on.

 

4. The particulars of claim are vague and unsubstantiated with regards to theDefendant owing any monies to the Claimant and the Claimant is put to strictproof to:

 

(a) show how the Defendant has entered into an agreement or contract with theClaimant; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equityto issue a claim.

 

5. As per CivilProcedureRule 16.5(4), it is expected that the Claimant prove the allegation that themoney is owed.

 

6. Furthermore, if the Claimant is an assignee of a debt, it is denied that theClaimant has the right to lay a claim due to contraventions of Section 136and 196 of the Law of Property Act 1925 and Section 82 (a) of the ConsumerCreditAct 1974.

 

7. The claimant has failed to comply with sections 111 AND 1V of the pre actionconduct "practice directions". And the defendant has no knowledge ofthe Claimants assertion that they have complied.

8. For avoidance of doubt,the defendant is unable to plead effectively, or at all, to the particulars ofclaim without furtherclarification/disclosure.

 

9. By reason of thefacts and matters set out above, it is denied that the Claimant is entitled tothe relief claimed or any relief.

Hopefully this is enough for now,

 

 

 

Edited by Andyorch
Account number removed
Link to post
Share on other sites

  • 2 weeks later...

Well done wellington...now see if they wish to proceed.

 

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

Link to post
Share on other sites

  • 4 weeks later...

Dear All,I received a letter from the Court acknowledging receipt of my defence dated 22 July.The Court also stated Claimant has 28 days to respond before the case is stayed. I guess with postage time we are now upon that, and I have heard nothing.Mortimer Clarke however have sent a letter to my old address, which fortunately my neighbour found and called me. They also claimed this had been emailed to me, but when I asked for evidence of this, all has gone quiet again.They also claim they are still asking their Client for further instructions, which is hilarious since they are in the same building...Having checked the Govt Portal there is no further action shown, so do I need to:1. Request the stay?2. Will this stop the clock on the 6 year statute barred, since I am getting closer and closer to this, and by March next year it will be statute barred?3. Should I instead insist they put up or shut up, and ask the Court to throw the case out..?As ever, any advice kindly received...Thanks

Link to post
Share on other sites

Hi.

 

The claim will be automatically stayed. You just have to wait and see, but you can no longer use MCOL.

 

The statue barred clock already stopped on the day the claim was issued so it matters not about next March creeping ever closer. It is no longer SB.

Link to post
Share on other sites

Thanks Ganymede,I believe the advice is normally to leave sleeping dogs lie, and not request set aside due to some risks involved..do you think this is true in my case?I have also sent a CCA request to Marlin, and expect that to be unanswered as well. Are there any other actions I should be taking at this time, do you think?Many thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...