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    • Hi Lolerz Thanks for replying to me, yes I've been ignoring her & will continue to do so. All she keeps saying is they want to come up with an amicable settlement. Keeps saying this to our receptionist she shouldn't be saying this to a receptionist or even me in the first place as they have given no proof of anything no IP addresses noting just keeps saying about an amicable settlement.
    • If a DCA supplies a reconstituted copy of the CCA what would be the next step? It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Head honcho at MBNA is


EricTheRed
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Excellent. Do we have an email addy for this guy? Ive just sent an invoice to the individual( i am being really polite here )at A+L responsible for our A+L/MBNA card. If they are going to use my time up I expect them to pay for it. I will let viewers know of the outcome.

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Shane Flynn

MBNA Europe Bank Ltd

Chester Business Park

Wrexham Road

Chester

CH4 9FB

England

 

Tel: + 44 (0)1244 - 672251

Fax: + 44 (0)1244 673402

Email: [email protected]

 

 

 

Robin Russell - Chief Corporate Finance Officer

MBNA Europe Bank Ltd

Chester Business Park

Wrexham Road

Chester

CH4 9FB

England

 

Tel: + 44 (0)1244 - 672251

Fax: + 44 (0)1244 673402

Email: [email protected]

 

 

Donna Pumfrey - Solicitor

MBNA Europe Bank Ltd

Chester Buisness Park

Wrexham Road

Chester

CH4 9FB

England

 

Tel: + 44 (0)1244 672 002

Fax: + 44 (0)1244 672 044

Email: [email protected]

 

 

I suppose a letter to Donna Pumfrey to get her opinion on whether the charges are legal or not would be a good idea.

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i have been at loggerheads with mbna for months. shane flynn is no longer their ceo as he made £11m personally last year and has gone and left the company. The new guy in charge is michael rhodes whose email address is [email protected] . Oh and by the way, if you would like a telephone number direct to his office, you could try 01244 672040 and one of his right hand men or women will deal with your query. He also has voicemail on this number out of hours !

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  • 3 weeks later...

It would appear that the person dealing with Penalties at MBNA is-

 

Mr. Steve Bailey

Head of Customer Advocate Office

MBNA Europe Bank Limited

PO Box 1004

Chester Business Park

Chester

CH4 9WW

 

This is the person at MBNA who is signing the MBNA stock letter offering the "Goodwill" payments in respect of the Unfair penalties.

 

You might also like to send a copy of your complaint/ Request for the refund of charges to-

 

Customer Satisfaction Department

MBNA Europe Bank Ltd

same address as above

 

Thanks

angry cat

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  • 3 weeks later...

I just spoke to someone at the Customer Advocate Office and they said that becasue of the OFT saying that £12.00 was acceptable they are no longer going to pay the full amount of charges back to anyone.

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  • 2 weeks later...

I seem to remember the wording from the OFT was that they would not automatically deem a charge fair because it was £12 or lower. Stick to your guns and get it all back.

 

My offer was from Gareth Tunnicliffe, but the letter was from Steve Bailey.

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  • 4 weeks later...

Reply from DPA Letter addressed:

 

MBNA EBL

Customer Assistance Dept

PO Box 30

CHESTER

CH4 9FD

 

Gareth Tunnicliffe is the boy though, popular throughout most of these threads and I was advised to speak to him, sounds like MBNA are actually playing the game and sorting things out quite quickly!:shock:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Just wondering if anyone knows when you are applying on MCOL, what address do you put for MBNA to take them to court?? With the banks you use your local branch's address.

 

Cheers

CG

HSBC - Default Judgement - £4892

HSBC, PA 29/3/06 LBA 12/04/06

HSBC, Court Claim Filed - 26/04/06

Lloyds - Claim - £625

Lloyds PA sent 16/05/06

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Thanks

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