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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
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    • 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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Halifax/Birmingham Midshires - repeated warrants/eviction/repo attempts **RESOLVED AGAIN**


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post 103 already refers.

write back directly to the named person who replied to your complaint letter

they know your case

unless ell-enn suggests otherwise

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 would have sent it to the eviction team as they are the ones threatening you.................  guess you'll just have to wait and see if complaints pass it on.   You could always email a copy to the eviction team if you have their email add.

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I think I have their email address.  Will email copy to them.

 

If I can't find their email address then I will send copy by post. 

 

Shall I amend l letter to add if they don't capitalize arrears then let me know how much per month I should pay towards arrears based on income and expenditure I sent last month. 

 

Please note currently I am  not paying anything towards arrears. 

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I thought you were already paying an amount towards the arrears?   you should always pay something towards them.  They won't capitalize the arrears while you're not paying....  and you are at risk of them applying for eviction which, if you were to defend, the judge would want to know why you haven't paid towards the arrears. You're placing yourself in a very precarious position.   It's not a good idea to stop paying towards the arrears just because you haven't had a response to your letter.

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From January to June this year I paid £500 towards arrears. I was paying £1700 every month.

 

From July until LG last payment in October I am paying £1182 every month.  

 

I think my monthly payment is about £1070. Need to find out exact monthly payment. 

 

I must be paying £50-£60 towards arrears I think.

 

I understand I am in very difficult situation.  Shall I call them tomorrow to not further delay the risk.

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No do not call them

you are doing ok then

 

take control not let them control you and your money.

 

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... 

Link to post
Share on other sites

Who says your case is weak?

not us.

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... 

Link to post
Share on other sites

I thought you had made an offer earlier this year to pay a certain amount towards the arrears? 

 

You say you are currently not paying towards the arrears - why is that ?

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What if I pay £1000 tomorrow morning towards the arrears? Just to bring arrears down and show that I am willing to pay towards arrears?

 

I paid £500 for 6 months towards the arrears.  After 6 months I wanted them to capitalize arrears.

 

I was also slightly struggling to pay 500 every month. I understand I should not have stopped but I made mistake.

 

Shall I pay £1000 tomorrow?

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Any payment you make towards the arrears is a positive step.  Going forward you should only offer and then pay what you can comfortably afford each month.  If you keep stopping and starting payments they will keep harassing you.

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Thanks. I have just checked,  monthly payment is £1175.74, for last 4 months I was paying £1182.

 

I will pay £1000 tomorrow morning.

 

What should be my next step for communication? Shall I write another letter to eviction team to inform them I have paid £1000 and offer to pay £100 every month towards arrears moving forward?

 

 

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paying anything more off the arrears will help enormously 

send a note to the eviction team that you have done this and the £1000 is to come off the arrears figure.

unless you will hit problems in the future? then i'd save £500 back.

 

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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Share on other sites

How much are the arrears and how many years are left on the mortgage?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.

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  • 2 months later...

Hi Ell-enn,

 

I have received notice of eviction letter in the post today dated 22nd November. 

 

I haven't missed any monthly mortgage payment in the past 12 months. Been paying 500 towards the arrears in the last 12 months. Only this month paid 200 towards the arrears .

 

I am very distressed with this letter and can not be homeless with 4 kids, wife and elderly mother. 

 

Can you please help me with defence. I have reduced the arrears from £17000 last year in January when they applied for permission to the court to around £9000.

 

Court granted lender 12 month's time last year in January that expired 27th January this year.

 

Please help

 

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If you are complying with the terms of the suspension i.e. paying the arrears each month then I am puzzled as to why they have applied for eviction.  I think you need to speak to them in the morning to ask why they have done this.  We can still get on with the N244 application - what's the eviction date ?

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Hi,

 

There was suspended repossession order granted back in 2009. Since then the arrears were added to the loan. 

 

When I was in arrears again,  they asked the court permission to apply for eviction in January 2019. Court granted this permission for 12 months. I asked the lender to agree on repayment of arrears but they refused on agreeing any amount and demanded to pay full arrears of £17k.

 

Since than i have been paying them towards arrears without any arrangement. 

 

Called them in November last year but they refused to agree on any repayment plan.

Demanding to clear the full arrears. 

 

Now the eviction date has been granted for 26th February. 

 

Do you see any hope in my case?

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Given how you have reduced the arrears over the last 12 months I can't see a judge grating eviction.  If you can be online tomorrow we can make a start on the N244 application.  the first thing we should do is write to them stating your offer of monthly payments and letting them know you will be opposing the eviction - I can draft the letter for you if you need me to

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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