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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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GOGW confusion


Aoife
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Hi

Does anybody know whether you have to inform the court of a GOGW. I've seen some posts that say not. Abbey deposited a GOGW before i started my claim, so I put on my LBA that I did not accept this as settlement and they could remove it any time. Or they could forward balance. They did nothing and I went on with claim for full amount. Now it is quite some time later and I have withdrawn the GOGW money.

 

My question is :- Do I have to inform the court of this or not? Although it was not offered as a final settlement I did say they could take it back out. However, they cannot do that now as I have spent it....!!!

 

Appreciate any advice on this.

Many thanks Aoife

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Hi Aoife

 

Have a look at this link:

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/32932-have-you-had-gogw.html

 

My understanding from reading this that you DO have to inform the Court, in fact as the GoGW was made before you filed, you should have deducted it from your claim amount.

 

Anyway, I hope the link should give you guidance on how to rectify the situation.

 

Best regards

 

Jo xx

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Thanks for this I will have a look. But I forgot to mention. Abbey refunded miscellaneous charges of a certain amount and then also some specific charges that I had not included in my claim (ie most recent ones). Therefore should i only tell the court to consider taking a partial amount off my claim?

Aoife

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Hi Aiofe

 

Do you mean they cancelled future charges?, eg they told me they were giving me £480, but I actually only got £430, because they cancelled the charges due to go on at the end of the month.

 

If that is the case then yes, you only reduce your claim by the actual amount of money they gave you.

 

Hope that helps

 

Jo xx

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I've just dug out the letter and checked it says:- "I'm happy to refund £xxxx which includes charges yet to be debited from your account."

 

These future charges are the ones not included.

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