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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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Welcome Finance - This company needs to be banned.


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I have just started my own thread somewhere on here about welcome finance loan i have, just wondered if any of you above could help, you seem to know what your talking about. Hope i've done it right it's my first time on here, but i hear from a friend that you r all very good, hope to hear from you soon, thanks guys :confused:

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Seems I Have A Guest Following Me All Over The Forum Tonight

 

To Be Honest, Ime Quite Ugly And Not Looking For A Date

 

Well It Seems These Directors From The Past Are Trying To Cover There Own Backs

 

They Are Facing Prison For Up To Seven Years For Share Manipulation

 

You Can Run But Not Hide

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WELL THE HOORAY HENRYS ON THE CATTLES SHARE TRADING FORUM ARE STARTING TO SEE THE LIGHT

 

Collecting all money receivable? WFS? Are you SERIOUS???? WHAT money? There's toxic. Then there's Chernobyl

 

I notice that if you Google for Cattles plc, that forum now beats even Cattles' own website into top place.

 

I wonder who that Luggerbugs could be? :|

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Post, did you receive thre email i Sent you with my agreement atached?

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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Evening all,

 

Got a reply from Welcome regarding the credit file stating 181 months instead of 180 months. Posted on my thread if you fancy a chuckle..

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/187541-welcome-finance-response-cca-2.html

 

Regards

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Evening all,

 

Got a reply from Welcome regarding the credit file stating 181 months instead of 180 months. Posted on my thread if you fancy a chuckle..

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/187541-welcome-finance-response-cca-2.html

 

Regards

 

Sounds Rollox to me...so are thye sayin you make 180 or 181 payments?

 

secondly they have done the same to mine. But i paid the first payment in the first month of the loan. So what nonsense would they make up for that one?

 

GrRRrrrrr they pee me off

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No idea..:D but maybe you could complain and see what they say about yours. Either way it does sound like a load of carp...

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Everyone Welcome customer must have the same 45 day window though - cos everyone has it.

 

Funny because if it was supposed to be like that why do I complain to experien every month and why every month do they change it to 36 - if it's supposed to be 37!

 

Funny you post that now as I have just logged another one as it was update day today and guess what happened - oh yes 36 becomes 37 once again.

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Just been looking around various cattle forums and some people are of the opinion cattle has the money needed to repay!!!

 

 

{quote} I am informed that most of the debt as actually been collected to pay off the debt. And as been for a while now, they have restructured downsized the business to make it more effective to go forward in the future. I still think there maybe more to come before it is all whiter than white, but hopefully in the near future we can see these relisted and go on from there. I don’t think it will get back to its highs of last year. {quote}

 

also I found this

 

{quote OK, new to this board, just to clear up the confusion over the so called six months rule, quote 'the lse does not stipulate a maximum time a shrare can be suspended, apart from shares listed on the AIM, shares listed on there are automaticly delisted after a suspension of six months,' CTT are not listed on the AIM, so the six month rule means very little or nothing to CTT, this info can be found by typing 'LONDON STOCK EXCHANGE SUSPENSION RULES BIBLE' into google, by the way dont you think that if the six month rule did apply to CTT that the press would have picked up on it, they love to hate CTT. {quote}

 

Is this true?? Not very good news for us if it is. I have been waiting all year for welcome to go down the pan

:( now I dont know if it will ever happen

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Just been looking around various cattle forums and some people are of the opinion cattle has the money needed to repay!!!

 

 

{quote} I am informed that most of the debt as actually been collected to pay off the debt. And as been for a while now, they have restructured downsized the business to make it more effective to go forward in the future. I still think there maybe more to come before it is all whiter than white, but hopefully in the near future we can see these relisted and go on from there. I don’t think it will get back to its highs of last year. {quote}

 

also I found this

 

{quote OK, new to this board, just to clear up the confusion over the so called six months rule, quote 'the lse does not stipulate a maximum time a shrare can be suspended, apart from shares listed on the AIM, shares listed on there are automaticly delisted after a suspension of six months,' CTT are not listed on the AIM, so the six month rule means very little or nothing to CTT, this info can be found by typing 'LONDON STOCK EXCHANGE SUSPENSION RULES BIBLE' into google, by the way dont you think that if the six month rule did apply to CTT that the press would have picked up on it, they love to hate CTT. {quote}

 

Is this true?? Not very good news for us if it is. I have been waiting all year for welcome to go down the pan

:( now I dont know if it will ever happen

 

Have they BOLLIX got the money they need. I suppose if somehow they were to magic their entire book debt into their sticky little mitts, they might manage somehow to stave off the wolves for a while. But since not one single customer will be in a position to repay their loan in one fell swoop, nor would they wish to, it's not going to happen.

 

But for the sake of argument. if that DID happen.... how do they carry on in business? They repay their debts, then try to lend money with... what exactly? Can YOU see anybody lending them a penny to start their nonsense all over again?

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the six month rule is law under the companies act

 

if a creditor fails to publish its accounts, it will be suspended from the stock exchange for six months, then after six month the stock exchange by law has to eject them from the index (stock exchange)

 

the money cattles are collecting are going straight to the bond holders, not cattles

 

these payments that are being received just cover interest and penalty payments.

 

its not touching the debt capital at 1.5 billion (conservative estimate)

 

 

the bond holders are bleeding cattles dry to get back some of the capital investment before they pull the plug

 

the share holders are clutching at straws as they have lost there money, the bond holders get paid first

whats left goes to the banks

then the addministrators

 

there will be no scraps left

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My only concern is that they will find the money to keep their debtors happy, change the company from a loan company to a debt collecting company and then come down heavy on us lot to get the money back. If they dont have the loan business anymore, they wont be bothered about that side of the business and can concentrate on retrieving money. They are seem to have got away with things for a long time and if I look back at how hoodwinked I was when they changed my agreement from HPI to CCA - they seem very good at the gift of the gab and I wonder if they will have enough of that to talk themselves out of trouble.

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lets get rid of this debate

 

who has the capital to lend these jokers money

 

the banks they are pulling the plug

the bond holders

share holders they are history

 

since cattles invoice finance went, thats end game

 

why do you think the whole of cattles was not sold, only cif

 

they have no money even the buildings are leased

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been told this is what will happen,feel free to correct me postggj,the administrators will keep the company running to collect on accounts while selling them off then once its not financialy feesable to keep staff and offices they will sell the toxic debt off to anyone who will take them for pennies

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yes

 

its the bond holders who are pulling the strings

 

they want there capital invesment back

 

they have been trying to sell these accounts for the last 12 months

 

no one is interested as they are as stated toxic

 

it will cost more to try and collect for a private company than its worth

 

once these directors have been tried and convicted for fraud, the fsa will step on and call it a day

 

ime talking no consumer credit/data protection licence

 

they will prob be history well before that any way

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Just been looking around various cattle forums and some people are of the opinion cattle has the money needed to repay!!!

 

 

{quote} I am informed that most of the debt as actually been collected to pay off the debt. And as been for a while now, they have restructured downsized the business to make it more effective to go forward in the future. I still think there maybe more to come before it is all whiter than white, but hopefully in the near future we can see these relisted and go on from there. I don’t think it will get back to its highs of last year. {quote}

 

also I found this

 

{quote OK, new to this board, just to clear up the confusion over the so called six months rule, quote 'the lse does not stipulate a maximum time a shrare can be suspended, apart from shares listed on the AIM, shares listed on there are automaticly delisted after a suspension of six months,' CTT are not listed on the AIM, so the six month rule means very little or nothing to CTT, this info can be found by typing 'LONDON STOCK EXCHANGE SUSPENSION RULES BIBLE' into google, by the way dont you think that if the six month rule did apply to CTT that the press would have picked up on it, they love to hate CTT. {quote}

 

Is this true?? Not very good news for us if it is. I have been waiting all year for welcome to go down the pan

:( now I dont know if it will ever happen

 

 

That is exactly why I can't go go on those forums because do you see how ridiculous is it??

 

Yeah so where has Welcome pulled (if their figures are to be believed :eek:) £850 million from?

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