Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Debt Management Companies!!


jopee
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6120 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

HI, ANYONE HAD ANY EXPERIENCE WITH DEBT MGT COMPANIES WHO OFFERED TO CLEAR YOUR DEBTS WITHIN 60MONTHS AND AT THE END DID NOT MAINTAIN THEIR PROMISE DUE CREDITORS BECOMING MORE AGGRESSIVE "DUE TO INDIVIDUALS CLAIMING BACK THEIR BANK CHARGES" ??

WE'RE SORT OF DEEP IN DESPAIR AT THE MO THINKING THAT WE WERE COMING OUT OF THE TUNNEL ON TO FIND THAT WE COULD CARRY ON THE PROGRAMME, GET OUR MANAGEMENT FEE BACK (OF COURSE!!) AND DEAL WITH OUR CREDITORS OURSELVES OR DECLARE OURSELVES BANKRUPT. ANY ADVICE WELCOME APART FROM THE ONE WE GOT FROM THIS COMPANY "YOU GOT YOURSELVES INTO DEBT IN THE FIRST PLACE" ( I SORT OF KNOW THAT)

THANKS IN ADVANCE:shock:

Link to post
Share on other sites

These firms that offer to clear you debts in 60 months are using the legal IVA route.

This is one step away from full Bankruptcy.

 

In some cases this maybe a very good route to take, but it's not for everyone.

 

 

There are a number of charity services out there that can also assist you with your debts.

 

National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 is worth a look.

 

There is Good news, you are now a member of an amazing site that can assist you with your issues.

 

Best thing to do is start a thread on the board for each bank, etc.

 

From there its a case of getting alot of information and spend some time reading the posts here.

You'll find them VERY helpful.

There's a lot of excellent people out there, so please take their advice and listen closely.

 

If you have any question feel free to post them.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

  • 2 weeks later...
  • 2 weeks later...
  • 3 weeks later...

Hi

Few years back to try and alleviate the stress and pressure I was suffering from dca and bailiffs hounding me every day, I employed a firm called Baines and Ernst to take care of my monthly payments and deal with all the dca's etc. I dutifully payed them £60.00 a month I couldnt afford for the privilege but thought it was worth it. Until 8 months later I had a Bailiff representing my local council call and my worst nightmare came true when he took possessions, and we were threatened with worse all because of non payment of council tax for 6 months previous. Baines and ernst had cocked up and when I told them they didnt want to know, terminated our agreement (mind I was going to anyway) andlefty me worse off than before. I dont believe any of those too good to be true adverts that give hope to those who are at their lowest and should be helped not ripped off. I should have taken it further but I didn't have the mental energy at the time. If things seem too good to be true they usually are I've found...

Link to post
Share on other sites

Several years ago, I phoned a company called Eurodebt, who sent one of their reps round to discuss my situation. My initial problem was finding the £750 fee required for them to manage my debts. "No problem", said their rep, "sell your motorbike" (which I owned outright) "and get another one on finance." He also advised me that it was in my best interests to use all my credit cards to the limit before they took over. Two pieces of extremely bad advice, which I in my ignorance, followed, signed the papers and paid a monthly fee to Eurodebt. Over the next few months I discovered that Eurodebt were doing nothing that I could not have done, either by myself, or with the assistance of the CAB, i.e. making phone calls, writing letters and filling in forms. As soon as I realised this, I cancelled the arrangement with Eurodebt and took over on my own behalf. However, the damage had already been done.

 

Myadvice would be to avoid all such companies, not that they're all as bad as Eurodebt (who I believe were featured on Watchdog) but why pay for services that are available for free from the CAB, or thst you can do yourself, this I have found the best way to go about things. Seek advice by all means, but no way do you have to pay for this advice.

Link to post
Share on other sites

I recently (a week ago?) started a thread on the Debt Collectors forum entitled Consumer Credit help - or something similar.

 

Trouble is there ius so much on this site you can lose your way (unless you are a computer expert which I a'int)

 

The CCCS (Consumer Credit Counselling Service have been a Godsend to me now for a year, and I've posted my comments on my thread.

 

Have also consulted National Debtline who have extremely informative factsheets.

 

Both these are charities seemingly funded by the very institutions that are ripping us off, but they are just like the NHS - free at the time of use and, in my view a bloody site better managed.

 

Look for my thread.

 

Van

Link to post
Share on other sites

I recently (a week ago?) Trouble is there ius so much on this site you can lose your way (unless you are a computer expert which I a'int)

Van

 

If there's something specific you're looking for, feel free to ask - someone'll be more than happy to point you in the right direction :)

-----

Click the scales if I've been useful! :)

Link to post
Share on other sites

Thanks demon_x_slash.

 

Thanks for your response.

 

I'm going to sound very stupid, I know, but - er - how do I ask?

 

The moderators are obviously hard working and I don't feel I should PM them with a minor question.

 

I'm an elderly, disabled man with no previous computer experience.

 

But I've got my mental faculties and the balls for a fight!

 

Van

Link to post
Share on other sites

Just post a thread either in the 'New' section - a lot of more experienced Caggers hang 'round that forum for the express purpose of guiding newbies - or in this forum, 'General Consumer Issues' if it's a generalised question. If you're looking for bank templates, bank advice, etc., then go to the relevant forum for your bank and ask in there :)

-----

Click the scales if I've been useful! :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...