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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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Lowell / Barclaycard CCA cannot be found :)


DesperateSusan
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I received a letter from Hamptons - is this standard threat-o-gram stuff or something more serious?

 

The text of the letter is:

 

Impending legal action

We are Hamptons Legal the litigation department for Lowell Financial Ltd. We have been instructed to recover an outstanding debt that you owe which originate from an agreement you had with Barclaycard. We note that Lowell Financial Ltd have offered you on a number of occasions the opportunity to enter into a payment plan so that you couold clear this account but you decided not to take up the offer.

 

What is the reason for non-payment?

We know of no reason why this debt should not be paid and can only assume you simply have no intention of paying it back. We are therefore assessing your account to decide what action to take. As you are a homeowner it is very likely we will apply to the County Court for a Judgement against you ordering you to repay the outstanding balance. If you continue to refuse to pay, we will consider the following:

 

o applying for an Attachment of Earnings order which, if granted, would allow us to recover the balance in installments directly from your salary; or

o Applying for a Charging Order which if granted would secure the debt against your property; or

o Issuing a petetion to the court for your bankruptcy.

 

You need to seek advice

Unless you call and pay off your debt or set up a payment plan we strongly recommend thaty you seek professional advice so you gain a full understanding of what the above courses of action may mean to you as both could have serious consequences.

 

Avoid further action

To avoid any further action against you please call us on 0113 308 6095, and discuss repayment, we willagree to a monthly arrangement, we may even agree to a discounted amount in settlement.

 

Yours faithfully

 

Jill Senior

 

I have been ignoring all letters from Lowells about this debt for nearly 3 years. Should I ignore this, too?

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Thread to General debt collection Industry.

 

Regards

 

Andy

We could do with some help from you.

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Send them this Sue.....should keep them quiet for a further 3 years.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

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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Hi

If you own any property they may try a Statutory Demand but if not, just another threat

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I do own property - jointly with my soon-to-be-ex.

 

Does the joint ownership status make a difference? I always thought it did.

 

Yes if the debts in your name only.......send the above head it " I do not acknowledge any debt with your company "

 

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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  • 8 months later...

Back in May I CCA'd Lowells regarding a Barclaycard debt.

 

I have received a letter from them saying

 

Dear Desperate Susan,

 

Your credit agreement

We refer to your recent request for a copy of the original credit agreement for this account.

 

After liaising with Barclaycard in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you.

 

We are closing your account

At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Barclaycard.

 

Woo Hoo!

 

Regards,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Hah - no, I don't think they did return the £1 - the buggers!

 

What should I expect to see happen on the credit file? I use Noddle, so it takes ages to update :/

 

For info and for others who may be in a similar position ... the account was opened in 2000, defaulted in Mar 2010 and Lowells have been pretty well ignored by me since Aug 2011 - until I sent a CCA request in May '14.

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Demand the return of your payment, otherwise they will use is as payment onto the account in the misguided view that it will reset the SB clock.

 

Just check your credit file to see if they have marked it.

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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  • 2 weeks later...

Well, I was thinking I wouldn't hear from Lowells again, but I have received a letter from them which says:

 

Dear DesperateSusan,

 

We have ordered statements on your account.

 

As we have requested these from Barclaycard, it can take some time for them to be returned to us. During this time your account has been placed on hold.

 

In the meantime, there is no need to contact us again regarding this matter, however, should you wish to speak to someone in our customer service team please do not hesitate to call on 0844 844 4716.

 

What are they hoping to achieve by asking for the statements?

 

I've not read of them doing this before, is this standard procedure?

 

Is it a file-and-forget type letter, or should I be doing something about this?

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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