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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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Some advice please - ** WON **


Pants
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Hi all,

 

Happy new year. Please can anyone offer any advice on this - I have tried Citizens Advice but just cannot get through, I have read the bumph you get from the small claims court but its covered there either......

 

I started my claim back in April (ish) 05, all going well, got to the point where HBOS offered me 50% of my claim ( £900-odd in total).

 

I then sent the letter stating fine as part payment but if I don't get the full amount within 14 days I will start court proceedings ( this letter dated 18th July 05).

 

Then recieved another letter from HBOS on 11th August 05 offering £432 and if they don't hear from me within 8 weeks they will assume I am happy.

 

I then rang them on the the number supplied but was told that was final so I stated I would go to court.

 

However, I didn't have the £80 to stump up up front to pay to the small claims court so have had to wait, and wait and wait.

 

My question is:- now I have the money (thanks to xmas !!) can I go ahead and start proceedings or do I have to start from square 1 as it is a good 6 months since ?

 

Any help appreciated - I don't want to pay the £80 to start, just to be told it's too late and to start again !!

 

Many thanks and happy hunting

 

Pantalonas

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Personally, as it's been so long I'd be inclined to start again from the preliminary letter stage. Just don't spend the £80 in between!

 

(And do you mean 05 or 06?)

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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It's unclear how long the OP has left it, but in your case, if it's only been a couple of months then resending the LBA would be sufficient.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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!!!SORRY!!! Got my years wrong!:confused::eek:

 

Started last year around April (2006). Everything went according to plan. HBOS finally offered me roughly 50% - I sent a letter stating happy to receive that as part payment and if I do not receive the full amount within 14 days i shall start court proceedings ( this brings us to early August 2006). i received another letter again offering 50% with a paragraph stating if they do not hear from me they will assume I am happy. Included in this letter was a form to sign and return stating I am happy with that - which I never signed or returned.

 

I last called HBOS in August 06 but since then have not had the £80 to pay to the courts to start the claim.

 

So, given it is now early January 07 it's a good 5 or 6 months since we have been in contact with each other regarding this, hence me asking if anyone knew of a time limit.

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From what you've said, they gave you 8 weeks to respond, otherwise they would assume you were happy with what they had said ?

 

In effect, you threatened to take action, then didn't, so they have probably dismissed your action. I'm guessing you would have to start again, although I don't know how that would stand up legally - I would hope that you have not blown it by your own admission of leaving this so long.

 

Don't know if anyone has seen any other cases like this. I've read loads of threads and this is the first where someone has gone past a time limit without doing something.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Pants, nothing is blown. Just restart from the Prelim and go from there.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Oops - sorry, re-reading my own post I can see why you thought I was suggesting the case was 'blown' - I did put I was hoping it wasn't... I also said I wasn't sure of how this would stand. Apologies to anyone thinking I was doubting the validity of the claim itself.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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thanks guys, think i'll start again from the prelim as suggested. I'll be sure to keep you all posted.

 

Just to clarify - I had to delay as I couldn't spare £80 to start the court proceedings ( which is highly annoying ).

 

cheers

 

Pantalonas

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Update -

 

Spoke with a couple of lovely Irish girls at HBOS today. My claim with them was classed as 'complete', on probing i was told it was not finished, just kind of sidelined ( due to the delay as per below).

 

However i was then put through to cust' serv' who then rang back to complaints (?) and have been advised that my claim is still open and that someone from the complaints team will call me back within 48 hours as quote 'they are re-evaluating alot of the claims so may be able to offer you a better deal'. I also took their direct number, just in case.

 

I have read several other threads where people have settled on the phone for nearly all if not the full amount, which is what i will do if offered to me.

 

The clock is ticking.......

 

Cheers again

 

Pantalonas

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  • 2 weeks later...

update 2,

 

Spoke to a 'Redress Assessor' today who has agreed to refund the full amount of £762.00. Even though my case was closed then re-opened (due to the delay as mentioned above). I am awaiting the forms to sign the acceptance, then the money will hit my account 7-10 days later.

 

I realise it may be a little premature, but........WH-HOOOOOO!!!

 

I will be donating to this site as is this would not happening without it/them/you.

 

Thanks for your help and a very happy and prosperous new year to all.

 

Power to the people !! - I/we fought the law and I/we won !!

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Well done Pants! Good for you (but wait for the money though!)

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Cheers, have got my acceptance form today.

 

One question - on the acceptance form it states :

 

'As a gesture off goodwill I would like to offer you £767.00. Future charges will stand and we reserve the right to close your account if you do not manage it correctly. To accept my offer in full and final settlement of your complaint.....'

 

(£767 is the full amount).

 

So any future charges will still be applied at £39 or whatever it goes up to? And I won't be able to claim those back?

 

Actually that's two questions !

 

Cheers

 

P

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Don't sign their acceptance form, send your own:

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I trust that you will find this arrangement acceptable.

 

Yours Sincerely

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  • 3 weeks later...

well - the 7-10 days quoted (for the money to hit my account) came and went, I rang up and was advised because of my 'non-standard' letter of acceptance a supervisor is now looking at it.

'Fine' I said, 'you have had 10 working days for this find of thing...'

 

I have now been quoted 48 hrs for a callback from said supervisor:-x - bring on tomorrow!

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!!!! SUCCESS !!!!

 

The money hit my account Friday afternoon so it's all over and done with - finally !!

 

Once again many thanks to this site and especially those who helped me.

 

Good luck to all those still at it - keep going - I had one of the finest tasting beers on Friday night !!:D

 

I think I'm supposed to contact a moderator to let them know I won - can anybody point me in their direction?

 

Cheers

 

Pantalonas

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