Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

AlphaGeeK Vs MBNA **WON**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5374 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have sent this to Carter and Arrow via email ([email protected] and Cc'd to [email protected], [email protected])

 

Friday, 18 July 2008

Claim Number: x

 

I am in receipt of a County Court claim form you have recently issued on behalf of Arrow Global LLC. The agreement number you quote in the Particulars of Claim is from an MBNA Credit Card account.

 

This account was subject to a reclamation of unlawfully levied charges claim by myself recently which MBNA settled in full before Court. They also paid me further compensation for passing the account to Arrow Global LLC when they had no lawful right to do so. MBNA also bought back the account from Arrow Global LLC.

 

Section 35 of the County Courts Act 1984 makes it unlawful to split one cause of action in to two separate cases as you are attempting to do. This is a clear abuse of process and I will shortly be filing a complaint against you with the Solicitors Regulation Authority in Redditch.

 

You have seven days to withdraw this claim and confirm in writing that you have done so.

 

If you do not withdraw this claim within seven days, I will file a Counterclaim against your client for compensation for harassment and damages caused to my credit worthiness due to breaches of the Data Protection Act [1988]. Once a Counterclaim is filed, it will be seen through to its conclusion.

 

Yours sincerely,

 

Alphageek

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

  • Replies 193
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Oh, I would so love to be a fly on the wall when they receive that :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I just used MCOL to file an AOS just in case they think I don't know what I am doing :)

 

 

:-D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Well, would you believe it.

 

I received a Notice of Discontinuance this afternoon. It was dated the 18th so their email computer was working last week.

 

I'll check with MCOL in a day or so to make sure they forwarded a copy to the Court.

 

I didn't even have time to report them to the SRA. Very disappointing that I didn't get chance to file a Counterclaim against them.

 

Someone tell me they have lost the fee they paid to issue this claim and I'll be happy.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

Link to post
Share on other sites

  • 4 months later...
On to the 9th Oct 2007;

 

Another nasty pink slip (some of the Americans who run this bank should be getting their pink slip soon!)

 

This one has got to be illegal on the grounds of intimidation?

 

Page 1

 

Page 2

 

Has any legal eagle seen these pink slips and commented on them? They look like clear breaches of The Administration of Justice Act. Then again, financial institutions seem to get away with flouting the law.

 

Just look at these muppets that were featured on Panorama: [commercial link removed - sorry fbr, the link is against site rules]

 

The FAQ in particular is a clear breach of AoJA IMHO.

Edited by steven4064

I wonder if MBNA are the new Enron :roll:

 

Link to post
Share on other sites

  • 2 weeks later...

Sorry to jump in but ive been following this. Ive got a dispute with mbna too and now Essex Trading sandards are saying that if mbna take me to court, the court could find in their favour even though mbna cannot supply a cca. Something to do with an "established debt" ??? Whats going on ??

Ioio, no work for me to go, I got the sack, cos the economy`s slack Ioio !!:-x

Link to post
Share on other sites

Hello I-07!

 

Ive got a dispute with mbna too and now Essex Trading sandards are saying that if mbna take me to court, the court could find in their favour even though mbna cannot supply a cca. Something to do with an "established debt" ??? Whats going on ??

 

Trading Standards have a habit of talking straight out of their backsides, and this is another classic example.

 

Complain, and ask them to elevate the issue to someone who actually understands Consumer Law.

 

Cheers,

BRW

Link to post
Share on other sites

Thanks BRW. I wouldnt mind but they have been solidly behind me until today. I have worked with 6 companys to whom I owe debts and have either worked out a plan or had them wipe the debt. The only 2 who want to play hard ball are mbna and intrum justitia. Both cannot supply cca `s and Intrum say they are collecting on behalf of someone called SV35AG but they cant give me any details about them and Im damned if ive ever heard of them.

 

Do I take it then that its no cca - no court action ?? sorry to be thick but me and the wife aready on medication and this has hit us for six !!

Edited by Ioio21/07

Ioio, no work for me to go, I got the sack, cos the economy`s slack Ioio !!:-x

Link to post
Share on other sites

Hello I-07!

 

Do I take it then that its no cca - no court action ?? sorry to be thick but me and the wife aready on medication and this has hit us for six !!

 

I think it would be wise to start your own Thread in the MBNA Forum, outline where you are, and then people can give you specific advice to help you fight those unpleasant people at Chester Towers.

 

Here's the link to the CAG MBNA Forum:

 

MBNA

 

Cheers,

BRW

Link to post
Share on other sites

  • 4 months later...

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

  • 2 months later...

hya alpha, subbed too, i can see that you have won and that court proceedings were commenced but can seem to find how you won? i had a letter from mbna last week with someone elses cca on it and blanked out, as they couldnt send me mine they sent me someone elses to see what IT SHOULD LOOK LIKE? Now that is odd surely if they had mine they would send it...

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

hya alpha, subbed too, i can see that you have won and that court proceedings were commenced but can seem to find how you won? i had a letter from mbna last week with someone elses cca on it and blanked out, as they couldnt send me mine they sent me someone elses to see what IT SHOULD LOOK LIKE? Now that is odd surely if they had mine they would send it...

Hi Muffintop!

How odd! What a strange thing for MBNA to do!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...