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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 xx/xx/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 xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Reply from hsbc


molly1959
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Thanks was a shock cause i am only 48. I have told hsbc we can't clear overdraft only resonse is you will keep incurring charges wont repeat what i said to that:D Was told they will close account they can as we have opened another and hubbies wages go in there.:)

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Hi just looked my daughter started her claim 2 days before mine i have had a letter saying being transfered to local court. She has not heard anything since notice of acknowledgment which is dated 28 june is this right.

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She could always ring the court and ask what stage they are at with her claim.

They're usually pretty helpful :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi

 

Rang my local court today like they said. they said it is being sent to small claims court, i will receive doc about this in next 10-14 days will have to pay £100 pound then. I asked about stays she said they are still doing claims that are already in the system.

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Can you get any more details ffrom that lady? Just so we can let others know that all is not lost?

Claim number and ammounts and stuff like that. It would be really helpful!

 

Will ask my daughter she wont see her till next week.

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Hi my daughter received this letter today from mcol what happens if they don't reply in the 12 days?

 

County Court Bulk Centre

2nd Floor, St Katharine's House 21-27 St Katharine's StreetNorthamptonNN1 2LH

DX 702885 Northampton 7

T 0845 6015935 F 0845 6015889

Ecustomerservice.mcol@hmcourts-service.gsi.gov.uk

Minicom VII 0800 358 3506 (Helpline for the deaf and hard of hearing)

www.hmcourts-service.gov.uk

 

 

 

Friday, 10 August 2007

 

 

Claim Number: Your ref:

 

 

 

Dear Sir/ Madam,

I am writing in relation to the above claim number.

We have received a defence from the defendant but unfortunately we have misplaced this. In order for us to transfer it out we need a copy of the defence.

The defendant has been given 12 days from the date above to respond. If they fail to do so you may have the option of entering judgement.

I apologise for any inconvenience that this may have caused.

Yours Faithfully

 

Natalie Higham

MCOL Correspondence Section

Find more information about Money Claim Online at:

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Hi i have received this letter but doesn't say anything about the £100 fee.

Also what do o have to send to the court and hsbc?

 

Notice of Allocation to the Small Claims Track (Hearing)

To the Claimant's Solicitor

Sandra Edwards

 

In the BIRKENHEAD County Court

Claim Number

Claimant

(including ref.)

 

Sandra Edwards

 

Defendant

(including ref.)

 

Hsbc Bank DX 712630 BIRMINGHAM 32

 

Date

 

10 August 2007

 

DISTRICT JUDGE TRAVERS has considered the statements of case and allocation questionnaires filed and allocated the claim to the small claims track.

The hearing of the claim will take place at 10:00 on the 27 November 2007 at Birkenhead County Court, 76 Hamilton Street, Birkenhead, Merseyside, CH41 SEN and should take no longer than 10 minutes.

The court must be informed immediately if the case is settled by agreement before the hearing date.

 

 

Each party shall deliver to every other parly and to the court office copies of all documenfs~IincTuding 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 brought to the hearing.

 

Notice - Small Claims Hearings

 

In order to utilise judicial time effectively this small claim has been listed with a number of similar cases at 10.00am.

The order in which the cases will be heard is only determined on the day, taking into account various factors such as attendance and urgent matters which may take priority. Every effort is made to ensure cases listed at 10.00am are heard before 1.00pm but in exceptional circumstances it may be necessary for parties to return at 2.00pm.

 

 

 

Date: 10 August 2007

 

Notes

 

 

you cannot, or choose not to, attend the hearing, you must write and tell the court at least 7 days before the date of the hearing. The district judge will hear the case in your absence, but will take account of your statement of case and any other documents you have filed.

 

If you do not attend the hearing and do not give notice that you will not attend, the district judge may strike out your claim, defence or counterclaim. If the claimant attends but the defendant does not, the district judge may make a decision based on the evidence of the claimant only. Leaflets explaining more about what you should do and what happens when your case is allocated to the small claims track are available from the court office.

 

The court office at BIRKENHEAD County Court, 76 Hamilton Street, Birkenhead, Merseyside, CH41 SEN is open between 10am and 4pm Monday to Friday. When corresponding with the court nlease address forms or letters to the Court Manager and quote the claim number. Tel: 0151 6665800 Fax: 0151 6665873

Produced by: DLEVINGS

N157 Notice of Allocation to the Small Claims Track

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Hi Molly, Looks as if they're asking for a 'court bundle'. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/97447-court-bundles-dummies.html (Courtesy of Lateralus)

 

If your claim is less than £1500 there is no AQ fee. If more and they haven't notified you I would just ring the court to confirm 'no fee' and get the name of who told you.

 

Come back if you need more, if it's not me, someone will get back to you.

There's always help on this forum.

 

I would still wait a bit to see if they default on sending in the stuff they've been asked for - if you have the option of entering judgement ,it could save you a lot of work.

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Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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the fact that it has now been allocated i would presume means that the allocation fee wasnt payable. you could double check that with a call to the court but im sure the judge would have requested the fee before proceeding if it was due.

 

looks like you need to prepare the court bundle by 13 nov. from how ive read it i think its the full bundle but not sure as its only a 10 minute hearing.

 

someone else will double check that PLEASE :)

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Hi Molly, Looks as if they're asking for a 'court bundle'. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/97447-court-bundles-dummies.html (Courtesy of Lateralus)

 

If your claim is less than £1500 there is no AQ fee. If more and they haven't notified you I would just ring the court to confirm 'no fee' and get the name of who told you.

 

Come back if you need more, if it's not me, someone will get back to you.

There's always help on this forum.

 

I would still wait a bit to see if they default on sending in the stuff they've been asked for - if you have the option of entering judgement ,it could save you a lot of work.

 

Ok thanks thats my daughter claim who has got to wait and see if they get the stuff back on time.

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the fact that it has now been allocated i would presume means that the allocation fee wasnt payable. you could double check that with a call to the court but im sure the judge would have requested the fee before proceeding if it was due.

 

looks like you need to prepare the court bundle by 13 nov. from how ive read it i think its the full bundle but not sure as its only a 10 minute hearing.

 

someone else will double check that PLEASE :)

 

Hi thanks for your help will wait and see if anyone else can tell me what i need to send.:)

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