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THFC4EVER

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About THFC4EVER

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  1. 02/05/2007 We hadn't heard from them so we phoned their Legal Clerk. He said he hadn't received our letter but would action the payment immediately and call us back "in half an hour". 02/05/2007 Their Legal Clerk phoned us back to tell us that he had credited the full amount to our account. We agreed that we would now return the completed consent form.
  2. The amount of this claim was £666.00, and we received £1040.49.
  3. 02/05/2007 We checked and their cheque had cleared into our account. This is now over. We won
  4. Prilly35, I don't know whether you can demand payment by cheque if your account is in default Try posting a new thread in the "Other Institutions, MBNA" forum and explain the situation. Some of the more experienced people on here will give you better advice than I can offer As for having lots of claims, I *can* offer advice on this! I had 19 claims in total: - 8 settled before court - 11 required a MCOL claim Of those 11: - 2 (Monument (Barclays) and Lloyds TSB) say they're going to defend and the cases have been moved from Northampton to my local court - 5 have paid in full, including court fees, 8% interest and daily interest (assuming their cheques clear) - 4 have promised to pay and I'm waiting for their confirmation So, from all of this the best advice I can give is to know that it is a long road. Don't go into this thinking that it will only take one letter. It won't! However, you WILL WIN as long as you follow the steps on this site, stick to your guns whilst the banks mess you about (as they surely will), and be patient. It is worth it in the end, so best of luck and keep us all posted :grin: THFC4EVER.
  5. Yes - if and when their cheque clears!
  6. 20/04/2007 They sent a 100% offer with conditions and enclosed the corresponding cheque 20/04/2007 They phoned and we informed them of the unacceptable terms, and they said they'd resend the letter a.s.a.p. without the unacceptable terms and stating "In response to the Default Judgment"
  7. 20/04/2007 They sent a 100% offer with conditions and enclosed the corresponding cheque 20/04/2007 They phoned and we informed them of the unacceptable terms, and they said they'd resend the letter a.s.a.p. without the unacceptable terms and stating "In response to the Default Judgment"
  8. 24/04/2007 They sent a cheque for £120 and a covering letter 24/04/2007 They sent, in a separate envelope, a copy of a letter that they had sent to the court which stated that as we've reached a settlement they "propose not to file a defence." 24/04/2007 Bizarrely, given the letter that they sent us this very day, they filed a "Defence" with the court!
  9. 20/04/2007 Northampton County Court (MCOL) sent a "Notice of Transfer of Proceedings" (Form N271) which transferred the case to Reading County Court, and also ordered that "The filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise."
  10. 19/04/2007 They sent their 100% offer and cheque as agreed on 16/04/2007
  11. 19/04/2007 They sent their 100% offer and cheque as agreed on 16/04/2007
  12. 20/04/2007 They sent a 100% offer with conditions and enclosed the corresponding cheque 20/04/2007 They phoned and we informed them of the unacceptable terms, and they said they'd resend the letter a.s.a.p. without the unacceptable terms and stating "In response to the Default Judgment"
  13. 19/04/2007 They sent a letter which misspelled our surname, contained unacceptable terms and conditions and missed off the daily interest. They also enclosed a cheque which had a misspelled surname which rendered it invalid! 19/04/2007 We phoned to inform them of their errors, and they said they'd resend the letter and cheque a.s.a.p. including the daily interest 20/04/2007 They sent us a 100% offer but that referenced the unacceptable terms of their previous letter. They also included their 100% cheque 20/04/2007 They phoned and we informed them of the unacceptable terms, and they said they'd resend the letter a.s.a.p. without the unacceptable terms 25/04/2007 They sent us a 100% offer without the unacceptable terms of their previous letter
  14. 21/04/2007 They sent a 100% offer with conditions and a "Consent Form to set aside the Default Judgment" 23/04/2007 We phoned and informed them of the unacceptable terms, and they said they'd resend the letter a.s.a.p. without the unacceptable terms 24/04/2007 They sent a revised 100% offer without conditions, but which still contained an error 24/04/2007 We phoned but only got their Legal Clerk's voicemail. Will phone again tomorrow 25/04/2007 We phoned and agreed to cross out the error and then sign and return the acceptance letter. They agreed to then credit our account and then we'd send the completed "Consent Form"
  15. Prilly35, I think this comes down to whether MBNA's payment to you puts your account in credit or not. If it is in credit, then phone them and ask/demand that they send you a cheque for the amount in credit (which may or may not be the amount of their payment). You might have to threaten to close your account, as they will have to send you a cheque for the credit amount if you do close it. If their payment only reduces the debit balance on your account (i.e. it now has a smaller debit balance or a zero balance) then you're struggling - unless your letters to them insisted on payment by cheque, in which case you can write back rejecting their offer and authorise them to remove the amount from your account and send you a cheque.
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