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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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PPS PCN - Great Weatern Hotel Swindon - ticket incorrectly displayed


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Does the letter include a pack to fill in with employment and income details etc, as per a Letter of Claim?  could you post it up as pdf just to be sure with all personal details etc redacted.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hi,

 

Please see attachd

I've only included the actual relevant content of the letter.

 

Nothing in the letter regarding any employment or letter of claim details,

just the letter attached and one from PPS stating that my account has been forwarded to BW Legal. 

 

CR

PPS & BW Legal Letter.pdf

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They have used the lazy way fo sending a LBA, basically following the rules for 2 years ago rather then the current ones. tyhey have done this because it saves them a few pence in processing costs.

 

I woud respond to this as though they had done their job properly and complain about it as part fo your submissions to court if it gets that far rather than argue the toss now.

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stop using google

research on CAG using our custom google search which comes up as a box below after hitting the top squares logo .

 

until/unless you get a titled..letter of claim.. from BW yes you are safe to scan/ignore

 

as for the additional unicorn food tax, get reading here as above.

 

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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Hey guys,

 

Some further correspondence from BW Legal attached. 

It's worth noting I never received a letter from POPLA or PPS regarding the appeal result as the correspondence from BW suggests. The first correspondence I received regarding the matter post POPLA appeal was the letter received a couple of weeks (attached earlier in this thread).

I assume I can just sit on this as technically, nothing has changed?

Thanks,
CR

BW Legal 2.pdf

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the letter is nowt to fuss over but do contact POPLA and ask them why they didnt send you a letter about your appeal and if they say they did you want a copy of it plus a copy of the operators evidence bundle as you have not seen this either. If they say no then you remind them of your rights under the DPA/GDPR

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  • 1 month later...

Hi CAG,
 

So two updates for you:

1. I have today received a Letter of Claim from BW Legal on behalf of PPS with the relevant information along with a questionnaire & an income expenditure form.

2. POPLA failed to reply to my e-mail requesting information thus I have heard nothing from them and received none of the information regarding the case.

I assume I just go about filling in the questionnaire on the LBC stating I owe no debt and return it?

 

CR

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you've been here since 2015 on this 

why are you not bothering to research what you need to do?

 

no you do not use the form..

 

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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I thought I had previously reviewed a thread talking about the requirement to reply with the questionnaire, hence asking for clarification - obviously I'm incorrect. Better to ask and get it wrong than go ahead and make a mistake though right? 

I'll post up a copy with the personal information redacted for review shortly.

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The EB snotty letter speaks more of that you know they  have no leg to stand on, using "their" form merely encourages them to carry on hoping you will fold and cough up  if they send a Claimform

We could do with some help from you.

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

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Filling in and sending their questionnaire is NOT a good idea, EB's style letter is way to go.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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just type in BW Letter of claim 

in our custom goggle search box that comes up after hitting our top squares logo

 

plenty of example of the snotty/insulting reply to send

 

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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  • 4 weeks later...

Hi CAG,

 

I sent the insulting letter as suggested. I received a quality reply from BW that I just wanted to update you all with for a giggle.
 

The letter contained the normal rhetoric and nonsense case law, but the real giggle came in the form of the "evidential" imagery they attached to the letter.

They attached pictures of a car that has nothing to do with me and was dated 2 years after my PCN was issued. I've followed it up with a snotty letter and I'll update you when I receive a reply.

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shame you shouldn't of alerted them.

could have been a very useful weapon in court.

 

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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If you haven't sent the letter, best to keep the info. to yourself and then demolish them in court if it gets that far.

 

I notice that, even though the LBA was your final, last, ultimate chance to pay before they took you to court ... they still haven't taken you to court and are still sending silly letters.

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 OTHERS

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

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Yes sit on that and make the point in your defence that the evidence they relied on in their LBA concerned another vehicle  and possiby mutter about incompetent lawyers breaching the GDPR so PPS know that they have been treated shoddily by the peopel who they ahve paid to pursue this.

wont win you prizes but the judge will have their hackles up for another example of  this firm's poor work. they are well known and occasionaly commented upon in court

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