Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
just to tell everyone im at my first stage of me v MBNA,
DPA sent 07/06/2006
Just got the standard letter back saying thanks for the contact about your complaint we will respomd in 28 days.... blah blah in the meantime phone gareth tuncliffe......
Good luck and all the best im at the Data Protection Act stage just sent of today
Go for it!!
All the best
adamski
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Good luck to you in your claim, although I'm sure you won't need it!
My claim against MBNA took four months to be settled, but in my recent dealings with them, I detect they recognise the inevitability of the legality of your claim.
You must make sure they realise, however, that you won't be fobbed off.
Like all banks, they rely on you accepting their authority, without question.
If you do query the legality of their actions, they are unable to do anything but re-iterate their tired ( and unlawful!) old terms and conditions.
Use the arguments scattered throughout this site to refute everything they throw at you, but above all, be tenacious and DON'T GIVE UP!
Just out of interest how long does MBNA take to respond to the Data Protection Act???
And are the statements set out clearly??
Cheers everyone!!!
Hi Delly!
In my case, it took MBNA 36 days before they sent my statements to the wrong address, but my original Data Protection Act was back in February, when this sort of request was quite new to them.
Since then they seem to have got themselves a bit better organised, so I would give them about a fortnight before a gentle reminder.
Can't put my hand on my MBNA statements at the moment (they're buried amongst all the stuff from the other banks I'm annoying), but they must have been fairly straightforward for me to understand them!
They might just send you a list of charges, either way you'll still have the details at hand to begin your claim for the repayment of them.
Any problems please ask, there's plenty of help available on here!
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
sory to bother anyone i know this questions probibily been asked at least 5 times already, Ive yet to hear from MBNA they,ve responded to DPA letter with the standard you will hear from us in 28 days etc...
there 28 days is looming i sent my DPA off on the 06/06/06 and not heard a thing....
Do i just sit tight and wait till 40 days is up or phone and ask??
They took 28 days to send my statements out. I think they are a little overrun at MBNA!
I wrote a polite reminder letting them know they had 12 days left to respond and it crossed in post as I got statements the day after I posted my letter.
They responded with 14 days to the prelim and my lba went off today. It looks like they take their responses close to the wire.
Good luck in your claim.
Barclays - settled and about to claim charges since then!
Morgan Stanley - defaulted on CCA request - ball is in their court
Birmingham Midshires - starting claim 1st March £3000+
MBNA - Settled in full
Amex - CCJ issued against Amex and full refund taken by Bailiffs - cheque received eventually!
Marbles - Full settlement
Capital One - Received full amount plus costs
strictly speaking you should just sit tight although a lot of people give them a gentle nudge around day 33 ish so it's your shout really. Some people have tried to give them a gentle nudge and been met with full refunds from that very phone call but then you don't know for sure if what they are telling you is correct.
Decided to phone MBNA yesterday as the 28 day deadline had expired for my statements to be sent what they had set, first i was fobbed off saying things like this take time, so i kindly pointed out that they had exceeded there own deadline.... the bloke became extremely apologetic and has promised to get back to me with an extime of when i should recieve my DPA statements
Somebody else has posted that perhaps we are rushing things too quickly with MBNA. I think he said that at the end of the 14 days following the lba he'd phoned Gareth, who had promised to ring him back before 5 pm. This he did and a full offer was made. (Or something like that anyway).
Really, it depends on how worthwhile is the 8% interest? If it's a goodly lump, carry on with MCOL and get this bonus. If the 8% isn't particularly worth having, give Gareth a ring and try to get your money paid quicker than going down the legal route.
Delly v`s MBNA
,
Reply With Quote
Re: Delly v`s MBNA
Originally Posted by dellydaisy
