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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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Smiley Scouser 27 v barclays


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9/3/07 - S.A.R sent

12/3/07 - Delivered to Barclays

28/3/07 - Received letter back from Barclays saying they are dealing with my request & I will get my statements before the 40 day deadline (22/04/07)

 

*******************************************************

16/04/07 - STILL NO STATEMENTS!!! (They are cutting it fine)

 

*******************************************************

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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I thought you count it in days not month to month? :| If I don't receive the statements by 22nd April, do you suggest I wait until 28th April & give them a few more days or should I just stick with my 40 day deadline?

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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Hi smiley

As the 22nd is a sunday i would wait a bit possibly til the 28th.

claire

:pI'VE CLAIMED MY BARCLAYS CHARGES BACK.:p

£5125.60

Im no expert everything i write is what i learnt from my own experience and reading through other threads. Click my scales if you wish to!:)

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Thanks for your reply xx

 

Has anybody got a template of a letter that can push Barclays along so they send me my statements? I have searched & searched but I cannot find!!

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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:pI'VE CLAIMED MY BARCLAYS CHARGES BACK.:p

£5125.60

Im no expert everything i write is what i learnt from my own experience and reading through other threads. Click my scales if you wish to!:)

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I've had enough of waiting, I've posted the non compliance letter.

I'm sticking to my timescales not theirs. They've never given me 'A few extra days' to make sure there's money in my account have they? NO. They've charged & charged & charged & charged.

:mad:

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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  • 2 weeks later...

Their time was up on 2nd May '07, haven't heard a peep from them so I have sent a letter to The Information Commisioners Office & I am going to fill in my N1 form tomorrow & file a case against them for Non Compliance of the Data Protection Act.

I'll let you know how I get on.

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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Went to court today & said to the lady that I had an N1 form to give in & I asked how much it would cost. Her reply? "What's an N1 form?".

Not the reply I was hoping for.

She went & got some man who was a lot more helpful but he was a bit confused what the cost would be because i was only claiming against Barclays for my statements at this stage.

Anyway he said to just put on the form that I was claiming up to £300 because then it would only cost me £30 & when I get my statements if I need to amend my claim I could do.

I need a bit of advice from people though.

Now that I have filed a claim against them, if I receive my statements say tomorrow, would I withdraw my case or leave it because in theory although they may send my statements they are still in breach of the Data Protection Act.

I'm confused:|

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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Now that I have filed a claim against them, if I receive my statements say tomorrow, would I withdraw my case or leave it because in theory although they may send my statements they are still in breach of the Data Protection Act.

 

Well, it's tomorrow and still no statements!!! Leave it, even if they arrive, you still want your costs
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Need a lot of help now please.

 

I recieved my statements today, load of gobbledegook as I expected. I've highlighted all the paid referrals & such like but I am unsure whether I can claim back the "interest paid" back at this point or do I have to wait until it gets to the Mcol stage?

Also I filed an N1 form at the court last week for non compliance of DPA & it was sent to Barclays by 1st class post on 14th May, it is deemed served today but lo & behold I received my statements today. Do I cancel my claim with the court or keep it open due to the fact they did not comply with the DPA & not forgetting I want my court costs back.

HELP!!!!!!!!!!!!!!!!!!!!!

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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enter all your charges into the simple spreadsheet to build a 'Schedule of Charges.' If you enter the charge dates, the interest will be calculated automatically. Send a copy of this schedule with your letter, but DON'T send it with the interest showing. You don't claim that until you get to the Court/MCOL stage.

 

Let your DPA claim run; although Barclays have now 'complied', they were well late! See what they have to say about it, not forgetting your costs!

 

:D

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Ok, finished with the highighter & I am quite dissapointed, I expected a lot more to be honest but maybe I wasn't as bad with my account as I thought I was!!!

£725.00 in charges ( with interest added £859.12)

Will be sending a letter tomorrow asking for them back.

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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At the risk of sounding thick, I have done my letter asking for the charges back. What do i send with it? Surely not that big thick bundle of statements??

Smiley Scouser v Egg : WON!!!!!:D

Smiley Scouser v Natwest : WON!!!! :-D

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You make copies of the statements with charges on. Then you send those, along with your letter and a copy of your table of charges.

 

Make sure you keep copies for yourself though.

Life is like a box of Chocolates...Full of Nuts! :smile:

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At the risk of sounding thick, I have done my letter asking for he charges back. Wha do i send with it? Surely not that big thick bundle of statements??

 

you send the prelim letter

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-letter-preliminary-approach-repayment.html

 

with a copy of your SOC's WITHOUT THE INTEREST.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

You DO NOT need to send in copies of statements.

 

Send this by recorded delivery

 

 

 

 

If you are unsure, before doing ANYTHING read here first:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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