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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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Amigo Loans


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Hi All,

it's been a while since i've posted,

 

2017

- my life changed and i got married in may ,

during this time we had a house through her name as i had bad credit,

my wife and me was struggling to pay mortgage so we took a 5k max loan with repayments of £200 per month and i was paying this,

 

october 2017 i was made redundant i didn't get any pay out as i was there under a year,  

 

we spoke to amigo loans who were rude to me and my wife and we was arguing with them,

we was struggling to pay amigo and all other bills they wanted to do a wage check to see how much we can afford

- we offered £100 per month but they got angry with us and rude and threaten to take us to court.

it took a toll on our marriage, 

 

december we spoke to them again and offered £150 i was doing minimal work as it was christmas period and this took even more stress on our relationship with debts coming up. again they were rude and threatening to take us to court and we are in the boarder line to the court team.

 

Jan - 2018

we split up as everything was causing us non stop stress

- i was admitted to a mental home for 6 months

during this time i didnt have my phone until i came out

 

i was greeted with about 100 text messages and voice notes and emails to say to contact amigo,

plus suffering from depression i sent amigo an email to let them know,

 

several weeks later i got sorry to hear that you are suffering "if there anything i could do as we dont want this to happen to you we have a support line" and please contact us to discuss your payments, i emailed them to say im out of work and willing to offer £20 per month until i return back to work and got better, 

 

November 2018 - amigo emails me to say they are in process of taken me and my ex wife to court

- to avoid anything please make a payment and discuss wage affordability.

i sent a stinking email to say im still suffering from depression not working still unable to pay.

 

January 2019

- I got a email from court team to say they are going to proceed with ccj

i made a huge complaint about them, and more bad news for me i was admitted to hospital with inflamed stomach and gall stones 

 

i was admitted to hospital for two months until i was better no op date to have gall stones removed. i checked my emails every day heard nothing back,

 

I lost my my mum this year also july/august and i thought i check my noodle (credit karma ) upon result even asking them to stop interest and help me out the loan is now well over 11k, 

 

it's stressing me out and effecting my credit report i have not any credit.

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Hi

 

Quote

January 2019 - I got a email from court team to say they are going to proceed with ccj 

 

 

So have they actually submitted a court claim ?

 

Andy

 

 

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So what is the email from the court team you refer to ?

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 OTHER

 

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Amigo has customer services who are rude they send users emails regarding payments and affordability.

Amigo then "refers to a team called court team who will process the court proceedings if there is no solution of payments" i got an email from a guy back in may to say 

 

"dear xxxxx

     As you are probably aware the default letter expired 22nd January 2018, As we are yet to have an resolution in place to clear arrears the account has been assessed for court action going forward.

 

it is extremely important that you call us today so we can try clear the arrears or put a plan in place to do so, the arrears stands as £3,873.38 <---- which i cant due to my mental health and losing my mum and depression. i did state to the guy he responds to that, 

 

Yet they still add interest and add so many defaults each month. £11,876,000 now.     

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Right so not actually from the courts but from their legal team that sit at the posh desk near the toilets who are allowed to use pens rather than crayons.

 

Do not respond...retain all texts and emails and sit and wait until they send you a Letter of Claim which they must as per the Pre Action Protocols before they can issue a court claim.....if and when you receive this come back here for further advice.

 

Don't worry about the interest and defaults..its irrelevant to you in your situation.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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little tip

stop ringing them

block and bounce their emails and texts.

 

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 have now

- just want the debt to stop going up its getting to a stupid amount now.

 

its causing me more depression as ive been struggling to get straight for over a year now not touching credit

i want to get a mortgage soon ive been homeless last few months i've moved 3 times, i've been saving.

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doubt you will if your credit file is trashed with defaults?

 

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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Ignore them, until / if you get a PAP, everything else is just noise, and not worth the paper it's written on

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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27 minutes ago, dx100uk said:

doubt you will if your credit file is trashed with defaults?

 

 

some have gone now even the welcome finance one i had few years ago the ccj, im in middle of talking to Lowell as they have decided to buy old accounts and try give me 2 ccjs 

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talking ..hope not!!

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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why the rush?

 

stop talking to powerless DCA's

they are NOT BAILIFFS

and have 

ZERO legal powers.

 

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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  • 9 months later...

hey,

   can you help me send a affordability complaint

i've been fighting these's guys since 2017

also now my loan is 11k

did not know you can do this?

 

what template did you use?

 

 

thanks

 

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posts moved to your existing thread

 

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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  • 2 years later...

Hi all,

 

I have a question can someone tell me when my debt will fall off my credit report.

Ive had an email to from them my default was 24/01/2018. I'm assuming the 6 years is up.

 

Thanks

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24/01/2018 + 6 = 24/1/2024

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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old and new threads merged.

 

it will be removed from your file on the registered defaulted dates 6th b'day.

 

doesn't mean the debt is not owed mind nor is statute barred

that could depend on your last payment date if later than the default notice they sent

 

do amigo still own this or has it been sold to a DCA since you started this thread?

 

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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damn i guess i have to start paying them.

 

Amigo still own it.

they have done a soft search on my credit report dont know why.

 

just annoys me with them.

 

it's in process with the claim i just rather get it cleared soon the better. 

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5 minutes ago, CPFC84 said:

damn i guess i have to start paying them.

why?

 

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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pay it wont remove the default

its there for 6yrs regardless to paying or not, paid or not.

 

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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At least then i can pay it off and explain to the mortgage advisor, explain my situation why i got into this mess.   hopefully he can find me a good deal with decent credit. 

Edited by dx100uk
unnecessary previous post quote removed
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