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.
Well up to now, heard nothing from them, not even an acknowledgement!
So, reluctantly cancelled the DD today, so expect they will be in touch soon. Working reduced hours from this month so decrease in pay, want to offer F & F but if they can't be bothered to respond, why should I do anything?
Didn't want to do too much damage on CRA's but wondering now if it really doesn't matter, wanted to look at re-mortgaging but lenders aren't lending anything, it seems!
Can someone please tell me how to move this thread to the MBNA forum.
Now getting a few calls from them, they start work early dont they! I did take one call and found it very difficult to understand what they were saying but I just refused to give any details to them and they gave up.
Had a letter from Global Vantedge now but it says don't respond to address in New Delhi!
Have drafted a letter from the library on here, do I just send it to MBNA as this is the only address on the letter for me to send a 'cheque' to.
Of course there is a freephone number on it which I can call!
The letter is unsigned but is for and on behalf of Aegis Ltd
Well my letter got to someone as I have received a reply as follows:-
'Thanks for getting in touch about the customer service recently received. It is something we take very seriously and we're sorry to hear it wasn't up to scratch on this occasion.
We're currently looking into the matter and promise to get back to you with a full response in writing by August 10th 2009'.
I find this a bit of a strange response but at least I got something and wait in anticipation for 10th August to arrive!
Goodness! A letter, this may become of value so I will handle it with care!
'Apologies for the delay in responding to you; however our investigations are taking longer than anticipated. We will issue a response by 7th September 2009'.
Write back with copy of original CCA request? Send another £1? Copy fos? Or SAR?
Must say, only had a couple of calls, so far from Virgin and they have been polite and not really pushed to get me to discuss anything on the phone but don't expect this to continue as I have now stopped payment.
Ultimately want to get to a position to make offer of settlement to them.
Did you send your original request by recorded delivery? If so, you should be able to prove whether or not they received it. You could also check if they cashed your £1 postal order.
Hi manxcat,
Thank you for taking the time to reply.
Yes everything I have sent has been recorded delivery and my letter was signed for the day after, however I didn't keep a copy of the postal order or stub! Realised now that was a mistake and it's so unlike me not to think of these things.
As long as you have the evidence of the signed delivery that would be enough to say they are in default for not providing you with your agreement.
If you've sent them the account in dispute letter then just sit tight, wait, and don't let the harrassment calls and letters bother you. Until they provide the agreement they haven't got a leg to stand on.
Write back with copy of original CCA request? Send another £1? Copy fos? Or SAR?
Must say, only had a couple of calls, so far from Virgin and they have been polite and not really pushed to get me to discuss anything on the phone but don't expect this to continue as I have now stopped payment.
Ultimately want to get to a position to make offer of settlement to them.
this is the sort of letter I expect to receive. I CCA'd in early May via Special, followed up with dipute letter and have sent 3 further reminders of account in dispute. They have not responded in anyway to any of my letters. I have retained all receipts and even kept the electronic signatures that you get on the royal mail website. I even had a phone conversation a month or so ago when an MBNA robot confirmed they had my letters.
Have had other things to sort last couple of weeks but now back on the case.
Had this letter today, seem to remember seeing the name of the sender mentioned on other threads.
Anyone had any expericence of a letter like this and what sort of response to send (if any)?
hi,
i received one of these ages ago,wrote back to them reminding they still needed to comply with my cca request,you could do the same or ignore it.
It took MBNA 4 months to reply to my cca request and they send a default notice the same day.
hi,
i received one of these ages ago,wrote back to them reminding they still needed to comply with my cca request,you could do the same or ignore it.
It took MBNA 4 months to reply to my cca request and they send a default notice the same day.
I really am bewildered as to why I've heard nothing at all from them. I'm just sending a reminder every time I get any letter from them at the moment, with a copy of my original CCA request. 5 months and still not one word.
Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.
Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Well as advised Supasnooper had a look at other copy agreements on the link you posted and it appears that the one sent to me may be enforcible, however legibility is questionable.
So, what to do next, is my question.
Think I will respond to the combined balance letter I received to remind them of my dispute with the one CC and respectfully request a legible copy of this one, together with T & C's applicable when the CC was taken out.
Mbna- Virgin Cca (sold to Experto Credite)
for my Virgin CC.
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Originally Posted by Dotty50
