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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?
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    • 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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Direct Line - Should i Accept????


corazon116
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Hi all,

 

I had a non fault accident about three weeks ago now. The other driver immediately claimed liability and so the process started with direct line to get my car fixed. They have confirmed that my vehicle is damaged beyond economical repair and have offered me a pre accident value. I contested this on the phone and told them my car was worth more, as i have recently spent around £600 getting it though an mot three weeks prior to the accident.

 

The girl on the phone told me there was no-one i could talk to as this needs to be looked over by another engineering member and if they decide to give me more then i will receive another cheque in the post to follow the one i have received today.

 

I am under the impression that this is how these people are trained to operate and once that cheque is cashed that is the deal over and done with. I am in no rush to cash this cheque so i was wondering if i should return the cheque to them with a rejection to settlement letter (based on the ones we use to reclaim our bank charges!).

 

I am unclear on my rights over this matter wether i can or cannot hold out and fight them for more. Also if i return this cheque will they demand back the courtesy car?

 

Please help!!

NatWest PERSONAL ACCOUNT: WON £1667

HSBC MASTERCARD: WON £220

VIRGIN / MBNA: WON £267

NATWEST BUSINESS: 2nd Letter Sent

CAPITAL ONE: COURT PROCESS

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Directline offered me £760 after a non fault accident recently. I provided them with a number of similar cars I had found on autotrader within a reasonable distance from my house that I considered reasonable alternatives for the car which had been written off in terms of mileage, body work, repair etc. I managed to negotiate another £200.

 

The guy I spoke to who was an engineer I think was pretty fair and said that they wanted to leave me in the same position as I was in before the accident. If what they are offering at the moment does not do this then contest it with evidence.

 

Not sure about the cheque though, ours didn't come until we had agreed a settlement.

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Corazon,

 

Can you confirm whether the letter that came with the cheque stated "full & final settlement." If it did, do not cash the cheque but write back stating that you do not accept this however will be prepared to accept as partial settlement.

 

Re work done on car prior to MoT, copy receipts & also forward a recent photo if possible to prove pre acc condition.

 

Unfortunately, I do not have access to Glasses Guide however if you provide make, model, year & mileage, I'm sure someone will be able to provide a guide price. Also check some websites for similar models.

 

Hope this helps.

:p :p If my advice as been of help, please give me a quick click on the scales to your right ;) ;) :)
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Be careful with Direct Line. My recent experience is that they don't address complaints properly, just fob you off with a final decision that doesn't provide any justification and then state that you must contact the Financial Services Ombudsman if you are unhappy. They ignore any further communication and dispose of your vehicle before they have agreed a settlement value. The aim appears to be to railroad you into accepting their valuation.

 

My advice is reject their offer in writing. Also instruct them not to dispose of your car until a settlement has been agreed. You may even want to consider withdrawing your claim and pursuing the third party insurer directly, as it is far easier to pursue the third party through the courts.

 

I write this as a customer of Direct Line for over 15 years but will never touch them (or any other RBS group company) with a bargepole again.

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Thanks for the advice, I have returned a rejection of settlement offer letter and will see what comes of that.

 

Like i say i'm in no rush at the moment so it's up to them.

 

I will keep you all posted.

NatWest PERSONAL ACCOUNT: WON £1667

HSBC MASTERCARD: WON £220

VIRGIN / MBNA: WON £267

NATWEST BUSINESS: 2nd Letter Sent

CAPITAL ONE: COURT PROCESS

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Guest Gertie100

Fair play I thought I was the victim of identity fraud for a minute!

I had a non fault accident 3 weeks ago and I'm with Direct Line and I had to negiotate hard for the settlement money as I spent £500 on my car 4 days prior to the accident!

 

At this point of your original point I realised that I hadn't fallen through some sort of time portal - unless of course you are female, shoulder length red hair, green eyes, welsh, married with a 2 year old daughter, then I am going to start to get worried!!!!!:D :D :D

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