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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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marksteps v Halifax - SETTLED IN FULL


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Got to the court and was told you dont live in Edinburgh, although i work there. Im suing a company in Dunfermline so i gotta send everything to thrm. This morning i rang dunfermline who said, bullsh..... so i am to raise it in either Falkirk or Edinburgh.

 

On the phone o go to Falkirk who say....its Dunfermline i use. Rang em back who after 5 mins on hold say they will call me back - they need to look into it!

 

Now I received a statement from my Halifax credit card today which had a £87.50 credit on it. Im not expecring it so i ring them up - I am expecting it as part payment on my BOS card. It turns out they credit was put in the wrong account and will be in my bank account in 5 days. I said its no use in my credit card account - i want it - so thats why its in the bank account....Anyways i dont physically have the money but im posting the small claims case today. Do i leave what im claiming as £175 plus interest making £203.58 or change it to represent the other £87.50 they will be due...ie now claiming only £87.50. follow??

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I received a letter saying we offer part of the money so i wrote and explained that i accept as part payment and that i would pursue to court if necessary.

 

They put the money in the wrong account but its sorted now and it should be in my account by Tuesday.

 

On Friday there was no reply to my LBA which ran out on MONDAY, so they had 4 days grace. However, there was a letter on my doormat on Saturday morning asking me to accept a further £87.50 (Which together with original refund is what im after)....

 

Now i have posted the Court letters n stuff with a postal order for £39 to the court,recorded delivery (not yet online so maybe delivered on Monday) now what do i do...Should i accept and call court or let the court serve the papers so i get my £39 back for court costs?

 

Im so ....arghhhh

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Wrote of his LBA letter after the prelim was answered saying no refund.

They replied to the LBA offering the partial sum of £119 instead of the £715.

 

I intend to send a letter tomorrow/tonight saying we accept as part payment on this but we will be pursuing this. Do is say im now going through the small claims court or do i let them get a nasty surprise lol... Could someone prepare me a draft letter, as im unsure how to word it...

 

 

Mnay thanks

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just say thank you for your kind offer of $119 which I accept as partial payment but will be persuing for the remainder if I need to

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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The letter will be sent tomorrow but here it is in rough :

 

Dear Sir/Madam,

 

I thank you for your recent letter dated 20th July 2006.

 

Whilst you offered £119.00 as a refund to the charges on the account as a full and final settlement, i am happy to accept this as partial payment. I will continue to pursue for the full amount in my Letter Before Action which was dated 13 July 2006.

 

Yours Sincerely,

 

 

Mr xxxx

 

Like i said, its very short and straight to the point. Anything that should be added/removed?

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  • 2 weeks later...
  • 4 weeks later...

Hi

 

You could check out the templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

and change/modify to suit your needs

 

Best of luck

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Ok so an update:

 

My Dad has sent the letter saying still no statments and it has been over 40 days and if within 7 days (we changed to 14 as he is away on Saturday for a weeks holiday) we dont get them we will get the courts involved. But what i want to know is what exactly happens there...

My mum sent her letter asking for over £700 pounds to Capital One today, so she is hopeful of claiming it back.

:)

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hi Mike before you issue N1 for County Court try

 

mailto:[email protected]

 

R Hinchliffe

Litigation Lawyer

Legal Services - Retail Division

 

01422 391096

 

After my recent email to her i have just received my statements by registered mail the day after my email, now thats got to be a record:rolleyes:

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  • 5 months later...

The court served papers on them last Friday. I just had the following letter:

 

Thank you for your recent letters, the contents of which i have noted.

 

I would like to advise that following receipt of a county court judgement in made a payment of £831 to you in August 2006by way of full and final settlement.

 

I therefore regret that we are unable to consider a refund of teh charges that you have recently incurred on your account.

 

Ultimately it is your responsibility to manage your account. We stated in our letter dates Aug 2006 that if you were to incur any future charges the halifax reserves the right to withdraw your banking facilities.

 

Anyways, these new charges were for the start of 2006 to the end of 2006. The successful refund i got last year was from 2001 to end of 2005 (just under £750 + interest + court costs)

 

I dont know what to do. Have i lost the case then??

 

PS Its due up in court in April ( i think need to double check)

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No, you have not lost and you should continue with your claim. This is just another scare tactic and means nothing. Halifax are in no position to deny you this claim, only a court can decide that.

 

Furthermore, for any agreement to be binding in English law each party to the agreement must provide what is termed 'consideration'. This simply means something of value in the eyes of the law. With these offers in full and final settlement your consideration consists of a promise not to sue for the remainder. However, the bank does not provide any consideration because they are only giving back what in law belongs to you. The law does not enforce onesided promises. In order to establish that they have provided consideration they would have to prove that the charges were lawful.

 

However, do be aware that they may close your account, they can do this and in some instances, they have.

 

Although, if they do you may report them to the OFT, look here http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=90&Itemid=56

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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If this were my claim I would totally ignore this letter, it is utterly worthless. Having said that, I would keep it as if they do close your account as a result of this claim, I would send a copy of that letter to the Ombudsman, I am sure he would be interested to see it.

 

What day are you supposed to call?

 

I would not call them, I would simply continue with your claim.

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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Return date is 8 May 2007 with the calling date being the 15 May 2007.

 

So if they do not refund the money by the 8 May. on the 9th im to call the court right?

Just say they dont pay but they put in a defence, saying, they have paid once already and that the "new" charges are down to me, will i have to go before a judge?

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I must be missing something here, who are you supposed to call and why?

 

If the court served them with the claim last week, how can you have got a date of May 8th 07 already?

 

Bank charges are not legally enforceable if they are penalties. Penalty clauses in contracts in English (and Scottish) law for breach of contract are not legal if the penalty exceeds the actual cost of the breach of either party. The law relating to penalties has been established through case law. The cases date back to the nineteenth century and the courts have been consistent in the way that they have ruled on penalty clauses.

 

It does not matter if you have claimed them once, twice or a thousand times, they are still unlawful.

 

None of their petty posturing or ridiculous antics make the charges any more legally enforceable and you should continue with your claim.

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 i wasnt clear. It was a week past Friday that i handed my papers into court. On the Monday they served the papers, i then got a letter from the court but it says that i must call the court the day after the return date to see what the bank have done.

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Sorry i wasnt clear. It was a week past Friday that i handed my papers into court. On the Monday they served the papers, i then got a letter from the court but it says that i must call the court the day after the return date to see what the bank have done.

 

I far as my understanding you call the court to see if the bank has responded to the court not to you so you should be ok to ignore the bans letter to you which I think is stalling tactic.

 

This is just my interpretation dpick:eek:

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