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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 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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Ex left Daughter in lots of joint debts...


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HI,

My daughters ex has left her in a heap of debt

- rent arrears,

housing and tax credit overpayments etc

 

- she has taken out an iva for quite a bit of the other `joint` debt

but the ones she`s stuck with are leaving her struggling.

 

The boyfriend is now working a fairly well paid job and is living the life of Riley,

pays whatever he feels like toward the upkeep of his son and nothing at all toward his joint debts.

 

Could she take a ccj against him?

- I think the threat would be enough to make him cough up but we need to know if it`s advisable.

 

Thank you for your time

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it would be the creditors job to do that.

as 'he' does not directly owe 'her'

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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HI, My daughters ex has left her in a heap of debt - rent arrears, housing and tax credit overpayments etc - she has taken out an iva for quite a bit of the other `joint` debt but the ones she`s stuck with are leaving her struggling. The boyfriend is now working a fairly well paid job and is living the life of Riley, pays whatever he feels like toward the upkeep of his son and nothing at all toward his joint debts. Could she take a ccj against him? - I think the threat would be enough to make him cough up but we need to know if it`s advisable.

 

Thank you for your time

 

Don't think CCJ route is open to her, as there are other court applications that can be made in this situation. E.g to seek order to pay child maintenance and other costs she is facing. But i am not sure what the process is. Hopefully others will advise. Often local Solicitors that handle family issues like this will provide a free half hour consultation, where they can advise what options are open. It could end up in court, where the parties have to come to an arrangement. Given that the ex boyfriend might have to provide support for his Son until 18, it might be better to sort this out properly with a Solicitor obtaining relevant Court order.

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it would be the creditors job to do that.

as 'he' does not directly owe 'her'

 

none of the creditors will be intersted in chasing him for his share as they have a patsy who will pay. So while he may not owe her directly, she DOES have to pay his share and he is in a position to pay it

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