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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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      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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Natwest Defence


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Hello,

 

Its a shame my first post has to be about this issue, I was hoping to wait until I had successfully reclaimed my unlawful bank charges and detail the whole procedure to help others!!

 

My bank sneakily got their defence in and their solicitor and my local court have posted me a copy of the defence. The banks solicitor has also put a 'request for information' in, which requests my bank ac/c no sort etc, a copy of the list of all charges, the dates and whether i I believe they should hav ebeen charged etc. They have requested this to be returned to them by 11th April.

 

Is this the norm??? should I have to send this info to the banks solicitors, or do I just wait for my questionnaire from the court and return that??

 

The defence seems like its written in a another language, all the page long sentances!!!, its so hard to understand, I want to be sure Im returning the correct information and not helping the bank by making any mistakes!!!

 

Would really appreciate any help.

 

Many thanks

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Hi PC and welcome,

 

This is entirely normal for Nat West, have a read here http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html.

 

Anything you need help or clarity on please ask.

 

I will move thsi thread to the Nat West forum where it wil lget seen by more NW claimants.

 

Good Luck

Consumer Health Forums - where you can discuss any health or relationship matters.

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Basically what they are asking for is your spreadsheet showing all your charges on it, The one found in the templates section here. Im assuming when you started your claim that you sent the bank and court, a copy of your detailed lists of charges you had been charged over the years.

 

i.e. showing Name, Bank Acc No. Sort Code,

 

Date of each charge, how much each charge, what each charges was for etc. etc.

 

This is the basis for your claim. Im assuming you did a spreadsheet yes ?????

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Hi Fendyweather,

 

Yes I do hve the spreadsheet, which I have now discovered from Gizmo111, that I can submit with the letter back to Cobbetts.

 

I am releived to know this is all I have to send back, thought it might have been more involved.

 

Many thanks for your help.

 

Regards

 

PC:)

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Yes, as it forms your whole basis of claim. Did you file at court in person or did you do it online through MCOL. If you did it online, you should have followed up the Notice off Issue by sending a copy of your spreadsheet to the court in Northampton(MCOL's offices) and put details of your claim number on it, asking them to file it with your claim details. So they have a copy too.

 

Fendyx If you havent done it already, then do it today....... or tomorrow, the sooner the better. Fendy xx

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Hi Gizmo111,

 

Thanks so much for your link to the cobbetts letter, are you able to tell me, the list of charges that I send them, should this be my list of charges including the 8% interest or can I submit my standard list of charges and put at the bottom Total £2269 plus interest and court fee = £2916???

 

Many thanks

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Hi Fendy

 

I did it thorugh MCOL, I dont remember sending the list of charges to them?

 

Nat west put their defence in and MCOL have transferred the claim to my local court, should I still send a list of the charges to the Northampton court??

 

Many thanks

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Hi PinkC

 

I have gone through this already be carefull that the CP 18 is from the court or is it direct from Cobbetts, if from cobbetts it will have their little corner sticker on it,if so then write to the court there is a response in the standard letters section for rejection of this I have already used it. Once you have done this then write and ask for their defence to be thrown out, this was successful in Reading I am waiting to hear from Swindon. Above all do not panic this is normal for Cobbetts. It sounds like you have not recieved the allocation questionaire yet "YES/NO". Remeber it is only the judge that can order a CP18 not the defendant.

StevePM

 

If you find this useful please tip my scales

 

First win £5k+ another five on the go all with NatWest

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Hi Stevepm,

 

Many thanks for your help here, the form was from cobbetts with a tag on the corner. I have responded to cobbetts using the standard letter. Who should I write to to ask to have the defence thrown out? my local court?? Not yet received the allocation questionnaire.

 

ta,

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Let it run its course. Highly unlikely you could get the defence struck out. Enjoy the chase and you will will thrill at the kill. With a nice cheque in your hand. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Your confidence will grow. Look at Fendy quiet as a church mouse when she first started. Can't put the lid back on now. Bless her. laugh.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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You can down load the form from HMCS it will cost you £65 to submit. I am waiting for the decision on mine I thought it may have been through today but alsa no I will post it on the site when I do. Just remeber if you are at thispoint then your Allocation Questoinaire is on its way. I would suggest that you use the form on the site and build the case for your cost it does not take that long and it works out your interest. Submit this back with your AQ and suggested directions again these are on the website.

StevePM

 

If you find this useful please tip my scales

 

First win £5k+ another five on the go all with NatWest

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  • 2 weeks later...

Hiya,

 

Thank you all for your recent responses, yesterday I received an offer from the bank which I am seriously considering accepting. Its only a few hundred less that what i was looking for and am happy to know that I have got that much back.

 

If I do accept the bank wants to pay the money direct into my account, I would rather have a cheque sent to me. Does anyone know if I can ask for the settlement offer to be paid to me by cheque? Or would I have to accept the payment direct into that account???

 

Thanks

 

PC:)

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