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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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Withdrawing Defence, Proposed Tomlin Order


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I have 2 court claims i am involved in at the moment.

 

 

One of them the claimant has supplied the information required and i accept i can continue no more

 

I sent a letter to the solicitor with an income and expenditure form as i am on ESA

requesting that they contact their clients to discuss a Tomlin Order.

 

 

Any judgement received will be subject to a redetermination and probably pay it back at £1.00 a week

 

I requested a Tomlin order instead of a judgement as it would be beneficial on both sides.

The solicitor has just written back to me requesting i contact the court and withdraw my defence,

and give proposals for the Tomlin order.

 

I am worried that if i withdraw my defence after contacting the court judgement will be immediately made for the claimant.

 

Taking into consideration i am on ESA,

what proposals for the Tomlin order would you think is acceptable for them to agree to a repayment schedule to avolid judgement.

I only have just over a week as a time line

 

Thanks

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I think that it might be reasonable for you to tell them that you will withdraw your defence but you would like to see their draft Tomlin order first.

However, you haven't given any details so difficult to advise you further

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That was my thinking on the matter as to seeing a draft of the tomlin order.

 

The only sticking point being is that they will want to secure as much as they can as to the Tomlin Order and i am on ESA due to a disability.

 

 

What would be acceptable in that even in a judgement the court will probably award £1.00 a week

anyway as repayment due to my financial position

 

The amount being claimed is £1700.00 in total

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Also,

 

 

are you absolutely certain that the information supplied by the client complies with what is legally required?

 

 

If not, maybe you should run it past us here.

 

 

Apologies if you've already taken the necessary steps.

 

 

I just hate when the Opposition get away with shoddy goods or arguments.

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Thread moved tot he correct forum

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UPDATE

 

received a draft order for the Tomlin Order today from the DCA. They asked that i sign it and will then be forwarded to the solicitor

 

Without Prejudice Save As To Costs

 

Dear Mr xxxx,

 

We have been passed a copy of your letter dated 12 January 2015 by our solicitors, xxxxx.

 

Please find attached a draft tomlin order for your consideration. For clarification, the sum stated at paragraph (i) of the schedule represents the sum claimed of £xxx together with the fees and costs associated with the Claim (£185.00), the hearing fee of £170.00 and the application fee of £50.00 which will be payable to the Court upon filing the tomlin order.

 

If you agree to the terms, please sign and return a copy by email and we will pass it to xxxx to countersign and file at Court.

 

If we do not have your signed copy of the order in our offices by the close of business on 15 January 2015, we will pass a copy of your proposals to our advocate for the hearing with the instruction to discuss it with you further on the day. However, we will want the cost of instructing an advocate included in the sum payable by you if you still wish to agree to the order.

 

Yours sincerely,

 

 

 

Dear Mr xxxx,

We confirm receipt of your below email and the attachments. Your signed copy of the Order has been passed to xxxx solicitors this afternoon to file at Court. We should both receive sealed copies of the Order from the Court in due course.

Please see below for xxxxx bank details. Please confirm your reference number with the payments to ensure we can allocate the funds to your account.

 

 

At the end of the day i have avoided a CCJ and happy with the decision, and making minimal payments each month due to being on ESA.

 

 

i think they realised that it was not in both our interests to achieve a CCJ as any repayment will have been set by the court.

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"For clarification, the sum stated at paragraph (i) of the schedule represents the sum claimed of £xxx together with the fees and costs associated with the Claim (£185.00), the hearing fee of £170.00 and the application fee of £50.00 which will be payable to the Court upon filing the tomlin order."

 

 

 

If the claim is currently stayed they have not paid a hearing fee yet.

 

Andy

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  • 2 weeks later...

Just updating and bringing this thread to a satisfactory conclusion

 

Received an order from the court this morning

 

Tomlin Order signed sealed and delivered to my satisfaction with no order for costs

 

Some people say a Tomlin order is a bad idea but it has suited my individual circumstances. I am paying back £1.00 per week with no negative information as to a CCJ on my credit file. I made the decision that the odds were not in my favour in defending the original claim. This way i have no CCJ to screw me for the next 6 years

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Tomlin Order signed sealed and delivered to my satisfaction with no order for costs

 

Please excuse my ignorance, but can I just ask, regarding the costs issue, is this something you negotiated with their solicitors CWK?

 

Also, does a Tomlin Order preclude a later application for a Charging Order against a property, or is this possibility always a risk?

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Welshmam, I think it depends on how the TO is worded - presumably if CapquestNightmare breaches the TO then they could go back to court.

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

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4: Staying Calm About Debt  Read Here

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UPON agreement having been reached between the parties for settlement of the issues in this action

 

AND BY CONSENT

IT IS ORDERED THAT

 

1. All further proceedings in this action be stayed except for the purposes of implementing the agreed terms set out in the schedule hereto.

 

2. There be no order for costs

 

i) The defendant shall pay to the claimant the sum of £xxxxxx in full and final settlement

 

ii) The amount stated in paragraph (i) of this order will be paid to the claimant by the defendant by way of consecutive weekly instalments of £1.00. The first instalment will be paid by 16 January 2015. (Standing order has been set up)

 

iii) Should the defendant default either as to the time or value of payment, the claimant will send a letter to the defendant requiring him to pay the arrears within seven days, failing which the claimant will be at liberty to request judgement against the defendant for the sum claimed together with their costs incurred, less any payment made.

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Why is the £170 hearing fee included. Even if they have paid this, provided claimant informs the court 7 days before the scheduled hearing is due that there's no need for the hearing, the claimant gets the hearing fee refunded.

 

That was my understanding as well !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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"For clarification, the sum stated at paragraph (i) of the schedule represents the sum claimed of £xxx together with the fees and costs associated with the Claim (£185.00), the hearing fee of £170.00 and the application fee of £50.00 which will be payable to the Court upon filing the tomlin order."

 

 

 

If the claim is currently stayed they have not paid a hearing fee yet.

 

Andy

 

Already pointed out 14th Jan but no response

We could do with some help from you.

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  • 6 months later...

Just dragging this up for a quick question due to another question asked on another thread

 

This debt has been secured by a Tomlin Order for which i am more than happy.

Paying £1.00 a week till they put me six foot under but never mind

 

My question is:

 

Does the DCA have to send me an an annual statement as to my weekly payments??

 

The reason i ask is technically the account has been terminated now and is subject to a court order (Tomlin) so i guess the CCA 1974 will no longer apply

 

Any confirmation as i have not informed the DCA i now live in Northern Ireland:lol:

 

I do not see why i should inform them of my change of address as my payments are set by the court. As long as i do not default on those payments they can do SFA.

 

The credit agencies have my new address anyway

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Simply...no they dont...but I think it may be prudent to advise CoA....wouldnt want to miss that " we are writing your debt off letter " posted to your old address and you find out in 6 years:madgrin:

We could do with some help from you.

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