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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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unknown thousands in my bank!!!!


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hi all! okay does anyone out there know where you stand if money has been paid into your account £20,000!!!! it has nothing whatsoever to do with me other than its ended up in my account. contacted the bank who said it had come from overseas and was a legitimate transaction, told me that i could investigate it myself if i wanted to!!!! how do i stand from a legal perspective? any ideas please

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I've had money deposited into my account by accident in the past (only about £300).

Once the Bank realised it should not have been there, they promptly took it back.

I was under impression at time that funds deposited in error became yours, however bank declared otherwise.

I would advise you not to touch it until you know what it's about. Perhaps transfer it into a secure account, so you cant spend it, and start your investigations. With such a large sum, I would perhaps even seek legal advice.

There may be some time bar for the rightful owner to claim it back, so get some advice on that also.

I don't know were you stand also with regards any interest it may accrue whilst you are holding it, ie; are you entitled to the interest, or do you have to pass that onto the rightful owner also? So find out about that also.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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i have the contacted the bank who said that it was a legitimate transaction from a third party overseas nothing to do with the bank, no error on their part, should it really be upto me to trace where the money came from especially as the bank do not seem too interested, i will find out where i stand from the legal side. all i've mangaed to discover so far is that it originated from PROPAY CREDIT based in the U.S which seems to be a version of paypal!!!!!!!!!

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i dont have any legal knowledge regarding this, but i would do the following:

* put the money in a savings account so its safe, available and you get interest

* seek advice from a lawyer, CAB or similar so you know if the money becomes yours in the future and if so when

* get a written statement from the bank

* put a message under the bankforum on this site to see what bankpeople have to say about it

* keep record of all activities you do related to the money (calls, correspondence etc) so you have evidence in the future that you did what you could in case the legitimate owner puts up a hassle

 

I dont think it should be your responisibility to chase where it comes from, but on the other hand its not yours so you cannot spend it. After all, if it was yours and you are missing £20k now, you would be happy if someone who got it wrongly did the right thing with it. :) Someone actually might desperately need this money.

 

Good luck and keep us posted about the progress

 

:)

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Good point - if you start to mention the anti-money laundering legislation to the bank this should get their attention, especially if you state that you feel you should be reporting this matter and the banks laissez faire to the The Financial Crime Branch of HM Treasury.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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not related to my claim against nasty west however - last week 2 seperate payments amounting to £23,500 were transferred into my account, no idea why contacted nasty west who looked into it and told me they were legitimate transactions which came from overseas and that it was no banking error by them, they then gave me a reference number for the enquiry and said i could investigate it myself should i wish to. Now obviously the money was not meant for me however it surely should not be for me to track and trace where the money had come from, all i do know is what is on my statement and that has just a spanish name and reference number next to the entry. Any ideas from anyone what i should do????????? i plan to take some legal advice as to where i stand with the money thanks for reading

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Oo er............ no idea, but.................. finders keepers?????!!!!! :D xx

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Oo er............ no idea, but.................. finders keepers?????!!!!! :D xx

don't wanna look a gift horse in the mouth but on the other hand don't wanna break no laws!! alot of money!!!!!!!!!!!!!!:???:

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Lol Lol Lol Lol. I suggest you leave it there, until somebody contacts you to tell you or the bank of the mistake............. at least in the meantime its earning you a tasty bit of interest.................... But I wouldnt spend it. No way................. xx

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Lol Lol Lol Lol. I suggest you leave it there, until somebody contacts you to tell you or the bank of the mistake............. at least in the meantime its earning you a tasty bit of interest.................... But I wouldnt spend it. No way................. xx

 

But I could be tempted to spend just a teensy little bit!!!!!!!!!!!! :D

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If you spend the cash knowing that it is not legitimately yours then in a worst case you could ultimately be charged under the theft act. As advised above, put the cash somewhere safe (open a high interest account), tuck it away and forget about. I think you may have a claim to keep it after 6 years. Make sure you keep a note of the times and names of the individuals that you have spoke to in the bank about it.

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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But I could be tempted to spend just a teensy little bit!!!!!!!!!!!! :D

 

You don't want to lower yourself down to the same levels as the banks do you?

 

....you could always let me do it though! :D

 

 

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You don't want to lower yourself down to the same levels as the banks do you?

 

....you could always let me do it though! :D

 

Lol............... I could be tempted to lower myself to the same level as the banks for that amount of cash!!!!!!!!!! xx :D

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Guest NATTIE

I actually do not know the answer to this one because if the bank have confirmed that the recipient name is yours and the money has come from Spain, then the money is yours but it is odd you would not be aware that it was due to you.

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I actually do not know the answer to this one because if the bank have confirmed that the recipient name is yours and the money has come from Spain, then the money is yours but it is odd you would not be aware that it was due to you.

Was hoping you'd read my post!!!! strange one isn't it? really don't know where to take this one as you say natwest have confirmed everything is in order but the fact still remains it aint mine. why would they not be too interested in following i up as its such a large sum?? and me as a customer of the bank shouldn't really have to do the detective work!!!!!!!!!!!!!!:???:

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Guest NATTIE

have they confirmed the source of the funds? if they have there is not much more they can do. If the money is intended for your name account number sort code then IT IS yours. I would probably open a savings account and leave it there for a reasonable amount of time, ie maybe 1 month.

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would it be wrong to suggest a 5% donation, if it turns out the money IS legally yours??

 

lol.. Shameless!

 

Matt

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have they confirmed the source of the funds? if they have there is not much more they can do. If the money is intended for your name account number sort code then IT IS yours. I would probably open a savings account and leave it there for a reasonable amount of time, ie maybe 1 month.

when i contacted the bank as soon as i noticed the money in my account they said they would check it over once the systems had been updated at 3am next morning they then called me back and told me everything was in order and that the funds were available. i assume there must be a set procedure for checking things like this including checking the source of the funds???? moved the money into a reserve account and was gonna leave it like you say for 30/60 days and if i've heard nothing presume its all ok!!!:???:

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would it be wrong to suggest a 5% donation, if it turns out the money IS legally yours??

 

lol.. Shameless!

 

Matt

if someone could confirm beyond doubt the money would be mine then we could even stretch to 10% or so!!!! lol

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This is a dangerous game, if you know the money isnt yours, you spend it, someone asks for it back and you havent got it then in a worst case you could find yourself charged with theft. I have no idea how the money could have come to you in error - do you have a common name like "smith" ?

 

However, in my branch days, international transfers stated an address of the person who the cash was being transferred to as well as the bank address and the account details. If I were you, i would ask my bank for a copy of the transfer / transaction record so that you can check all this information. You could say to the bank that you are asking for this as you want to check the transfer amounts, charges etc (your bank will probably have charged you for receiving the payment).

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Don't jump up and down to quick .

The money is not yours and should they come back in the future and want it back , and for that amount they eventually will . If you have spent it then you are going to be in a lot of debt .If it was me I would withdraw it and put it in a high interest account but NOT spend one penny of it.

So far you have done everything right and they have given you a reference number so I will go and get some more input for you from the rest of our team as to where you now stand .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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This is a dangerous game, if you know the money isnt yours, you spend it, someone asks for it back and you havent got it then in a worst case you could find yourself charged with theft. I have no idea how the money could have come to you in error - do you have a common name like "smith" ?

 

However, in my branch days, international transfers stated an address of the person who the cash was being transferred to as well as the bank address and the account details. If I were you, i would ask my bank for a copy of the transfer / transaction record so that you can check all this information. You could say to the bank that you are asking for this as you want to check the transfer amounts, charges etc (your bank will probably have charged you for receiving the payment).

thanks for the info!! do i ask for all transfer details or can i just ask for all the records for the two transactions in question? would there be a charge for this?:???:

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Don't jump up and down to quick .

The money is not yours and should they come back in the future and want it back , and for that amount they eventually will . If you have spent it then you are going to be in a lot of debt .If it was me I would withdraw it and put it in a high interest account but NOT spend one penny of it.

So far you have done everything right and they have given you a reference number so I will go and get some more input for you from the rest of our team as to where you now stand .

thank-you any help at all would be really helpful, the bank has basically washed its hands of it!!!:???:

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