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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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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advice wanted please


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hi please could someone give me some advice on the following situation:

i have a debt of £2300 with tesco, after some time now of not paying they have issued me with a ccj which i said i would pay £10 a month - after missing 1 month payment they issued me with a issue of warant letter - stating that a bailiff would call to take items. this letter is off brian carter solicitors and has a warrant number

please can someone advise me if they will call, are they allowed to take items as i dont live there now its my parents house. or are they just putting the frighteners on me like usual . any advise would be greatfull

regards

ian

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does anyone know how likely brian carter are to send bailifs, and if i just send the £10 i have missed do u think this would stop them or do they now expect the full 2300

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I always thought that if you did not pay a CCJ, a warrant would be issued and sent to you, by your local county court and it would be their baliff that would come to your house...

 

If the solicitors have sent you a warrant, I would call the court that issued it to check that it is real. If it isn't they have been very naughty :)

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This sounds very dodgy.

The CCJ is as it says issued by a county court.

The procedures after this usually involve either Solicitors / and or Baliffs.

The solicitor would instruct the baliffs from your local court to enforce any warrant,which would need to have been issued by the court.

Have a look at Zoomans stickie in the headers of this section.

There are guidelines on collection procedures.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i take it that this is just a scare tactic then, as i have agreed to the ccj and said i could afford £10 to pay each month - this was on official court papers - but they accepted the £10 so does this mean i have a ccj?

on the latest letter from their solicitors it says warrant of execution!

a bailiff will now call - it has a warrant number but it has no official stamp from any court.

it does say at bottom i can stop bailiff coming by paying full amout - so this might be just a scare tactic?

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This may not necessarily be a scare tactic as the debt is over £750 they can transfer the debt up to a High Court Enforcement Officer and do not have to use the Court Bailiffs. All they need to transfer up is a copy of the Judgement and proof that you have not kept up with repayments. You need to be careful with these officers as they have far more powers than the Court Bailiffs.

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I would write to that solicitor and inform him that issuing a document that imitates an official document is an unfair business practice as per the guilines by the OFT "unfair Business practices " 2.2. Inform him that you are going to report the incident to the OFT and send the OFT a copy of that document , also tell himbeing a solicitor he should know better and that it could construed as forging court documenst which is a serious criminal offence. see what that brings you,

 

Sparkie1723:)

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the main thing is that i dont live at this address now and its my parents house. they do not give my new add to anyone that asks. so what powers do they have to enter their house - or is it up to them to find me at my new add

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Guest Zooman

First yes you have a CCJ, issued by the courts, if you fall behind on payments the debt becomes payable in full and they can issue a warrant, this does not always have to be with the county court bailiffs, this could be a writ of Fifi and the first official document with a court stamp you will see is the one the bailiff is carrying on your doorstep.

 

The easiest thing to do is make the payment that is missed, once this is paid if any warrant is issued it is a simple case of having it suspended at your local court.

 

When making a missed payment for a CCJ it is very important that it is recorded as the missed payment. And the accompanying letter must be carefully worded, I can help with this letter but would need to know how and when you make the normal monthly payment.

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i have already sent the dd mandate which was on back of letter from solicitors - i have filled it in to make the agreed £10 paymet as from 15 of this month but i take it i will have to also send a cheque for the £10 missed?

what happens to the warrant though now i dont live there?

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  • 1 year later...

We have a similar problem as my son missed a payment (he misplaced the letter and got the payment date mixed up) He now has the High Court Enforcement officer threatening him with bankruptcy if he wont up his payments to 2 and a half times what the court agreed. Hes out of work and on job seekers allowance, he hasnt got a car and lives with me rent free at the moment. When we told the guy this he just said 'well that means he has £200+ a month and pays no rent so he can afford the payments. He also has another debt on a credit card which he pays weekly but of course they dont want to know about his other outgoings

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i think you can ask the courts to re assess the case due to his change of circs.

 

How the hell did the person he spoke to come up with a figure of £200+ you dont get that type of money on bebefits.

 

A single persons gets £46.85 a week which is £93.70 a fortnight or £187.40 a month.

 

The person who told him he has £200+ is very wrong.

The courts will be aware of what payments pp get on benefits even tho u will need to prove what money he gets.

 

I would advise you speak to your local courts and advise what has happened and ask what papers you need to sort this matter out.

 

They cant expect ur son to pay what he does not get.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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