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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
    • Hungary is attempting to be a world power in manufacturing electric vehicle batteries, despite locals' reservations.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cupcakes Vs Mbna You


cupcake68
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  • 5 months later...

Hi

 

To update.

 

I queried the CCA because their covering letter admitted it was unclear and heard no more.

 

They then sent me a defective Default due to the timing and they have now sold on the debt to Experto Credite.

 

I have now had 2 letters from EC, the first explaing that they had bought the debt and the second concerned that I have not contacted them.

 

Should I reply yet?

 

Thanks for the advice

 

CC

 

Also The account numbers they are quoting do not correspond with my account number doea that matter?

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  • 3 weeks later...

Hi

 

It's taken me a while but finally here is my DN rec 111109.

 

YOU MBNA DN rec 111109 pictures by cupcake62 - Photobucket

 

I believe it is defective because they used a slow postal service that you have to allow 4 days for delivery. Therefore they didn't give me enough time in their DN.

 

Thanks for all advice.

 

Cupcake

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Hi

 

It's taken me a while but finally here is my DN rec 111109.

 

YOU MBNA DN rec 111109 pictures by cupcake62 - Photobucket

 

I believe it is defective because they used a slow postal service that you have to allow 4 days for delivery. Therefore they didn't give me enough time in their DN.

 

Thanks for all advice.

 

Cupcake

 

4 WORKING days therefore the compliance date should be 29 November

 

silly billies!:D

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  • 4 weeks later...
  • 3 months later...

Still getting letters from Experto Credite.

 

They have "bought the interest in this account from MBNA including the outstanding balance"

 

Should I be sending them anything?

 

Thanks

 

Cupcake

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Hello cupcake68.

 

Did you ever SAR MBNA? If not you need to. If you did then look in the Comms Log. It's likely that you'll find that they 'sold' you to an Irish outfit called Varde Ireland Limited. EC collect for them apparently.

 

If you can find the date that the debt was sold on the Comms Log it's likely that you'll find that not only was the DN iffy on dates, but they probably sold you on before the DN rectification time was up. Some have found that they were sold to Varde before the DN was even issued.

 

If you want some links to some similar threads I can post them up for you. There's quite a lot of us in the same boat with this one ;).

 

Personally, i've been baiting EC for months to try and get them to take me to court. Funny - they're not that interested it seems.

 

M

  • Haha 1

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi MandM

 

Thanks for the advice.

 

I will SAR them asap and post up what I find. This site is brill!!

 

Cupcake

 

Is good, isn't it :).

 

Search around the threads. Look in my posts, pumpytums, heftyhippo, tranders to name but a few. You will see what you're looking for on the SAR when it comes. Best of luck.

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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