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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Sarah v's HSBC


Sarah Frost
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Has anyone got DG's email address?? Im about to send my 2nd nudge and would like to send it by email instead. What shall i say in my 2nd nudge or shall i just use the same nudge as before??

 

Thank you.....

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You can also send by fax. The fax number is:-

 

0121 455 2771.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Sent it by email yesterday to a few of the email addresses i got and i got an automatic reply from rachel. It said:

 

Im out of the office until 2070 - Ive left the bank!!!!

 

Looks like someones got the strops!! ha ha!!

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Ok quick question.

 

Im sending my nudge letter to DG and you know the bit that says:

 

I am mindful of the vast number of claims with which you are currently dealing. In order to more speedily resolve this matter, I am willing to accept the sum of £xxxxx as full and final settlement of this particular claim.

...well do i have to mention the interest after the amount ive quoted?

I sent a letter 2 weeks ago that said i would accept £1536 then i faxed them the other day and the amount was £1538 and today my spreadsheet says £1539. I know its coz of the daily interest but i dont want it to look bad if i end up in court!!

What should the actual wording say??

Thanks guys!

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Oh my god i think ive noticed a massive mistake on my POC!!

 

When i worked out the daily interest rate i think im about 7p out!

 

Everythings been done and ive got my claim date of September 21st. Ive been budging DG but heard nothing - do you think theyre gonna let me turn up in court and point out my mistake and show me up??!!!

 

Oh my god im absolutly terrified - please help me!!!!

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well dg have got 10 mins to submit there papers to court.. derby . spoke to the court two hours ago and nothing in then...so will ring on monday but they have said that the oft case will more than liklecaus my case to be delayed ... so mad cos if the oft would have come a month or even two weeks later i would have been high and dry .... no papers in ,judgment made before court date .... job done!! just my luck:(

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I dont understand!

 

My letter from the court said i had to submit my papers no later than 14 days before the court date.

 

If your court date is the same as mine how comes youve already submitted yours?

 

Im well confused - im sure ive totally done all my claim wrong!!! I might just give up...

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not sure on that , maybe different courts have different timescales . Iknow many claims have 14 days to sub

mit papers mine at derby had 21 days so dont panic and dont give up ..... thats what the banks want . look to be honest I dont know much on the computer side of things but have a look at my threads you will see how things have been for me and i put one in for how much money the banks make IN 6 MONTHS!!!!

I know it can be frustrating but thats what everyone on here is for ..just keep chipping away :)

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funstrating isnt the word!!

 

My letter said this:

 

The trial of the above claim will take place at 10:00 AM

on 21 Spetember 2007

atBromley County Court

ANY APPLICATION IN THE CASE MUST BE MADE TO THE COURT WHERE THE CASE IS TO BE TRIED

 

Date: 18 July 2007

Please Note: This case may be released to another Judge, possibly at another court

 

Then on the second page it says:

 

District Judge Brett has considered the statements of case and allocation questionnaires filed and allocated the claim to the small claims track.

 

The hearing will take place at 10.00 am on 21 September 2007 at Bromley County Court and should take no longer than 1 hour.

 

Each party shall deliver to every other party and to the court office copies of all documents (including any experts' report) on which he intends to rely at the hearing no later than 14 days before the hearing.

 

The original documents shall be bought to the hearing.

 

I take it yours was different?

 

Have you finished your court bundle then coz im doing mine at the moment and its driving me crazy!! So much to put in!!

 

You dont know where i can get the Aussie report by N Rich do you?

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sarah , mine was on the same lines just different times .... not sure about the aussie report, didnt have it in mine. but im sure pete will know where to find it . its got to be here somewhere .. just calm down and you will be ok :)

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Jowalshy has a copy of the australian default report. Send her a pm and I am sure she will be happy to send it you.

 

 

Oh and before anyone does, lets have no smutty coments about the title of this thread! (pete, PD, Johnnymitch and the rest......!!! You know who you are!) :D

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I have the Aussie report. As FL says, Pm me your e-mail address and I will send it over to you.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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