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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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just about to send my prelim letter off - couple of questions


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1. what is the schedule of charges i have to include with the prelim letter

2. do i add in the 8% interest using vampresses spreasheets if i intend to go down the FOS route

3. the address i am putting in the prelim letter is the customer relation dept in edinburgh- is this correct

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Methinks you haven't quite got the sequence of events down just yet.

 

When you refer to a "prelim letter" are you referring to the first letter asking for your charges back or are you making your SAR?

 

Step 1 = Send off your SAR with your tenner asking for the list of charges/6 years statement.

 

Step 2 = When you have your statements, and you know how much you are owed then write to the bank asking for it back.

 

Step 3 = When they don't send you a cheque/fill your account with rupees you send your LBA.

 

If you intend using the FOS you need to wait 8 weeks after step 2 before you make your complaint.

 

If you are intending using the FOS you can't claim the 8% statutory interest as that is something that is awarded by the court.

 

And yes, you are recommended to use recorded delivery for any dealings you have with the bank where you want to know when they received the letter.

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ah right , cheers for your help, what about the ten pound fee for the statements

 

If you are sending the prelim letter there is no need to send any remittance, that is only for Subject Access Request to get statement copies or list of charges and you say you already have your statements.

“It's not personal, Sonny. It's strictly business.”

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  • 4 weeks later...

right last few things before i send it off

 

1. what address do i put down under my address in the request for payment letter is it my local branch or another address

2. if i am not requesting interest do i just take the sentence about interest out and leave this bit in

 

"I calculate that you have taken £@@@@@

I enclose a schedule of the charges which I am claiming with this letter."

3. what address have i to put on my envelope

4. its just the letter and my schedule of charges i include

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right last few things before i send it off

 

1. what address do i put down under my address in the request for payment letter is it my local branch or another address

 

I used the address that my account is held at

2. if i am not requesting interest do i just take the sentence about interest out and leave this bit in

 

Not sure I wrote claiming interest, but I think it would look kinda odd to include a sentence about something you are not claiming in.

 

"I calculate that you have taken £@@@@@

I enclose a schedule of the charges which I am claiming with this letter."

 

3. what address have i to put on my envelope

 

4. its just the letter and my schedule of charges i include - yes

 

Good luck with your claim!

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right last few things before i send it off

 

1. what address do i put down under my address in the request for payment letter is it my local branch or another address

2. if i am not requesting interest do i just take the sentence about interest out and leave this bit in

 

"I calculate that you have taken £@@@@@

I enclose a schedule of the charges which I am claiming with this letter."

 

3. what address have i to put on my envelope

 

4. its just the letter and my schedule of charges i include

 

1. You should be writing to the Customer Relations Unit, The Forthstone, 56 South Gyle Crescent, Edinburgh EH12 9LE. Send by Recorded Delivery just so you can track the letter.

 

2. If you're not actually claiming interest, take out the reference to it, altho I included the interest in my list of bank charges and made a mention to it but did not specifically claim it, just mentioned that if applied to the total of the charges, it would add to the sum claimed back.

 

3. As in address above.

 

4. Yes, altho you can leave in the interest column as in 2. above.

 

Just have a bit patience, you will get your money back.

“It's not personal, Sonny. It's strictly business.”

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right thats sorted now, last thing before i post it off, is this the right letter to send off in scotland

 

"I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law and contrary to consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs."

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