Jump to content


  • Tweets

  • Posts

    • Small update, just had a text from zinc, saying they have a letter for me and a link. Not going to open it, won’t be responding but I guess they’re trying to save money on sending me a physical letter?!? 
    • Why not? have they sent anything to prove it yet?
    • OK - in a nutshell...   Customer has a leak in the wall behind the shower in their en-suite bathroom which has leaked into another bedroom and they claim on their buildings insurance. We go in and inspect and quote for the repairs - this quote is forwarded, by the customer, to the insurance company who authorise them to go ahead with that quote. When we arrive, the customer says that they want the rest of the bathroom tiled to match - we agree and quote £800.00 for the extra tiling. The design for the tiling is varied, by the customer, to include two vertical mosaic stripes (the mosaic tiles being £12.50 each, plus a considerable increase in labour) - we point out that this will blow the materials budget - screaming ensues... we absorb the cost. The customer purchases a new bathroom suite which they expect us to install as part of the £800.00 that we quoted for the tiling alone - when this pointed out, screaming ensues... we absorb the cost. We complete the insurance repairs to both the bathroom and the bedroom on the other side of the wall. The customer says that they are happy with the insurance repairs, inform the insurance company of the fact and receive the final insurance payment. Some snagging is required on the extras - one of our guys goes in to sort out the odd bits. Customer freaks out because only one person has turned up to do the snagging - tells the man on site to take his tools and go. Customer will now not release the insurance money because the snagging has not been completed and claims that we're in breach of contract.   The insurance money HAS been paid to the customer - they signed off that the insurance based repairs were complete and satisfactory. It's the customer that's holding on to the money. The property is a ground floor flat - so it's leasehold.   I was pointing out that she's European - not any particular "ethnic background"...  
    • Referencing the Particulars of the Claim: 1. The claimant claims the sum of £2300 for an outstanding debt owed. 2. On 01/04/2012 the defendant entered into an agreement with Lloyd bank plc for an overdraft account under the reference X. 3. On 01/04/2016 the defendant defaulted on the agreement with an outstanding balance of £2300. 4. On 01/06/2017 the debt of £2300 was assigned to PRA Group UK LTD. Notices of assignment were sent to the defendant in accordance with s136 law of property act 1925. 5. Payments of £20 were received up to 01/03/2019 and adjustments have been made in the sum of £3.   For 'Particular number 2', i see a lot of other people saying this like 'Paragraph 2 is denied. I do not recall having this account'. I obviously cannot put that, what would i put?
  • Our picks

swt61

lantern/moriarty claimform - old QQ debt.

Recommended Posts

time to do the other part of CAG now and that's self help.

 

click the very top left CAG squares logo

then doen on the left

you'll see

 

custom google search box.

 

type in there

 

PDL Claimform.

 

and read as many threads as you can the more you read the stronger we become.

if you wish

limit your search and add in in Moriarty

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Good morning request sent off yesterday to moriarty law  but today got this load of tosh 

Combine Jul 17, 2019.pdf

 

Anyone any advice of any of the stuff they’ve sent ? Still no cca or default notice only the stuff above which looks like a hash to put together some stuff

Share this post


Link to post
Share on other sites

its all stuff from their system and on their letterhead

not from the OC so who knows if its truthful

I thought you'd guessed that by your comment which is why I didn't.

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Yes mate I thought it looked just stuff thrown together nothing looked right to me especially the deed of assignment unless I’m wrong 

Share this post


Link to post
Share on other sites

there is no deed there and you'd never see that anyway. confidential business data

  • Thanks 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks I’ll try and word the stuff in that they sent me when I do my defence on the weekend 

Share this post


Link to post
Share on other sites

plenty of examples here of the holding/no paperwork defence

just add in a line stating what reply you have had in no from the original creditor or something.

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Good morning all just had an email off moriarty law regarding the so called cca that they sent me and the entry on my credit file which is obviously wrong as I’ve uploaded that info here previously. They obviously assume they’ve sent me a cca for QQ which they have not to date. 

 

 

IMG_2089.pdf

Share this post


Link to post
Share on other sites

you should not be using email!!

else they'll file important stuff 1min before its due not giving you time to respond.

have you not been reading other threads?

 

send them one email state that your email address should NOT be used to file any documents or communication in relation to the court claim xxxx and they will now be blocked  by you


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok email just sent

 

 

Share this post


Link to post
Share on other sites

 

good afternoon all, the day has come for me to compile my defence for the court, considering all the previous documents i have uploaded and also the documentation so far received from the dca and moriarty is the defence attached ok ?

 

i could not find a way to insert somewhere that they have not supplied a correct cca after my request  

 

thanks

 

1.The defendant owes the claimant £336.08 under a regulated loan agreement with casheuronet LLC T/A Quick Quid dated 15/4/2013
2.And which was assigned to the claimant on 04/01/2019 and notice of which was given on the 04/01/19 (debt).
3.Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £336.08
Defence


1. The Defendant contends that the Particulars of Claim are vague and 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.

 

The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.


2. Paragraph 1 is denied .The Claimant claims £336.08 is owed under a regulated loan agreement with Casheuronet LLC T/A Quick Quid on 15/4/2013. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 77 request who are yet to fully comply.


3. Paragraph 2 is denied The Claimants statement regarding the Assignment of the debt is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served on 04/01/19 from either the Claimant or Casheuronet LLC T/A Quick Quid.

 

4. Paragraph 3 is denied.


5. It is therefore denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:


(a) show how the Defendant has entered into an agreement; and
(b) show and evidence any cause of action and service of a Default Notice
(c) show how the Defendant 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;


6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77 request, copies of the documents referred to within the Claimant's Particulars of Claim to establish what the claim is for. To date the Claimant's solicitors, Moriarty Law, have failed to fully comply with this request.


7. As per 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 82 A 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.

 

 

hi sorry anyone around this afternoon ?

Share this post


Link to post
Share on other sites

not due till tuesday by 4pm

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi I know mate but im back in work tomorrow and am away from my pc so only able to do today or by 12 tomorrow

Share this post


Link to post
Share on other sites

look ok but let andyorch check it.

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Yes thats fine.......did you receive a Final Demand .....point 3 of the POC ?


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi Andy, not sure if I did to be perfectly honest, should I put in a line somewhere that Ive received incorrect cca or just leave that ?

 

my cca request direct to original lender also has not been aknowledged to date

Share this post


Link to post
Share on other sites

Then deny point 3 also...you can add about the incorrect agreement at point 5.


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hang perhaps not......your giving them notice and time to correct....save it for your witness statement...should it proceed that far.


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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

ok so just file my Defence exactly as I have posted for now ?

 

will filing it on mcol before the tuesday deadline give them too  much leeway or it wont matter even if I file it tonight ?

Share this post


Link to post
Share on other sites

Ok thanks mate really appreciate everyone’s help again especially on a Sunday 👍 .

 

I will obviously keep everyone updated on the progress or lack of it.

Once this is sorted I got a lot in my life I need to put away too before I lose the will 😩.

 

sorry what do i put in to deny point 3 ? 

Share this post


Link to post
Share on other sites

you just did

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

ok sorry lol

Share this post


Link to post
Share on other sites

did you get a PAP letter of claim from moriarty before the claimform and ignored it?

 

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...