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cupcake68

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Everything posted by cupcake68

  1. Me again! Just found a little note in my file!! Experto filed a default on my credit file on 30/10/09 Their letter of assignment was dated 07/12/09 and the default I received from MBNA was dated09/11/09 stating I had to pay by 26/11/09! Seems a bit smelly to me! I think I should SAR them immediately (didn't do it for some reason before!!) and see what it brings up! Am I missing anything? Cupcake
  2. Hi Did anyone ever get anywhere with this? I have received a court claim today from Varde for 2 MBNA accounts I have! Threads here... http://www.consumeractiongroup.co.uk/forum/showthread.php?205720-Cupcakes-Vs-Mbna-You/page2 http://www.consumeractiongroup.co.uk/forum/showthread.php?198121-cupcake68-Vs-A-amp-L I am searching the forums looking for relevant info. Also not sure if they are allowed to add the two together like this and not sure if the fact the POC's are incomplete puts me in a strong position or not Any advice gratefully received. Just had a baby and my already mushy mind is true mush right now!! Cupcake
  3. It appears so! i'm not sure if that is a smart move or not?!! Cupcake
  4. I have now received court papers combining this account with an MBNA account I have. Both have been bought by Varde and the POC's are not complete! It looks like they have run out of room!! The thread to my other account is here http://www.consumeractiongroup.co.uk/forum/showthread.php?205720-Cupcakes-Vs-Mbna-You/page2 Any advice? Thank you in advance Cupcake
  5. PS forgot to mention the POC's are incomplete. It looks like they have run out of room! Cupcake
  6. Hi guys I have been a little off the ball lately with "life" taking over from the financial mess we are in! The last letter I sent with regard to this account was this.... I n response to your many letters received I am assuming when purchasing such accounts you must not also purchase the details on file. If you did you would have seen the reason for the account being put into dispute in April 2009. You would also have seen the fact that MBNA issued a defective Default Notice. Therefore MBNA had no right to sell the account on to you and you cannot lawfully collect this debt I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. in May 2010 First of all the wrote back saying it had been referred back to MBNA then they were "advised that they received a request for a copy application and terms and conditions in April 2009 which they supplied. We understand that no further communication has been received between yourself and MBNA". I did not get round to SAR ing them (so assume I should be doing so now?) I have had several letters since from CMC and then one from HL Legal solicitors then another at the beginning of July from IND it linked two MBNA accounts I have. One that was actually Alliance and Leicester and this one. It did say LAST LETTER BEFORE LEGAL PROCEEDINGS (but I have had many of these now!!) I needed to pay the full amount on both accounts!! Today I have received one court claim from Varde for the two accounts. I'm off the ball a bit these days. I know a lot changed with the whole default notice issue some time back and I'm not really sure any more where we stand!! The link to my thread for the other account is here http://www.consumeractiongroup.co.uk/forum/showthread.php?198121-cupcake68-Vs-A-amp-L Any advice would be great. I am fairly new to the whole court process but I do know I have to send my acknowledgement of service back within 14 days. Thank you Cupcake
  7. Thanks DX Am I not right in thinking it would be easier to get my money back if I had paid by credit card though? Cupcake
  8. Hi Guys I am having to get a new engine fitted to my car and have found a company via Ebay that has given me a good price and offered me a 6 month warranty but I was just feeling a little nervous about where I would stand if I had to rely on the warranty. I was just wondering if I could get any extra protection if I paid by credit card. The only problem is I don't have any credit cards!!! So if I asked my mum to pay on her card would I be able to get any protection if it went wrong? Thanks for your advice Cupcake
  9. Hi BD Yes I have several copies of the statements from Egg now and also have it in writing that BC agreed to us each paying our own costs!! Cupcake
  10. Sorry Guys ! But I need a little extra advice on this one please.... Have finally received a consent order that doesn't have the wrong court stated on it but... The amount they state still leaves me a little confused. They have sent a two breakdowns now. The first gave an original debt of 14698.58 They then added the following fees Claim Fee 190.00 Claim Cost 100.00 Alloc Quest 300.00 Final hearing -100.00 Final Hearing 100.00 Alloc Quest -100.00 Balance 15188.58 I wrote back asking them to clarify where the original 14698 came from because the last statement from Egg listed as follows Opening Balance 14698.58 Charge off Account -13738.33 Refund of Interest -960.25 Closing balance 0.00 Now I did not have any correspondence with Egg at the time of this account being charged off so i always assumed they refunded the interest because they had made some mistake along the way but if they chose to charge off the account at 13738 is that not what I should be paying (why would I pay the extra 960 when Egg have refunded it to my account?) and my agreement with BC was that we paid our own costs. Does this not mean that all these charges they have added should be removed? I hope this makes sense! Cupcake
  11. It states on the court docs that Egg is the claimant but BC seem to be making all the decisions. I can't actually believe Egg would pay for the service BC give - the are worse than useless!! Cupcake
  12. Thanks for the advice BD Did you see my post before last? I am wondering if BC own this debt and I'm not sure what that means for me ? Cupcake
  13. Hi Reply from BC today. Includes a copy of the same consent order (still stating Bristol County Court and Maidstone County Court and the same figure). Attached is a compliment slip with a hand written note. "Please sign and return the attached consent order. Once we have received this we will forward to the court for it to be sealed. Look forward to hearing from you." What a load of muppets?!!! They have totally ignored my letter explaining that I was confused why it would say Bristol County Court and no surprise they have also ignored my request for a breakdown of charges!!!! Would I get into any trouble for signing an order that mentions a different court? Thanks Cupcake
  14. Hi D I have done some digging around but as yet have not spoken to Renault about this but the more I research the more I find the same recurring problem with DCi engines! I have also been in touch with Watchdog just in case they want to take it up, they were very good with the instrument panel failure that was a problem a couple of years ago. I'll let you know if I get anywhere (I do not give up easily!). I did read somewhere that this is the same fault that Honda did a worldwide recall for last year - just more proof that Renault are shoddy manufacturers!!! Cupcake
  15. Hi Guys I have just sent a chase letter to BC because I have not had a corrected order through to sign or any response to my last letter but the cheque I sent for the first monthly payment was cashed! I have also spoken to the court today who cpnfirm they have not been doing anything sneaky behind my back. I have sent copies of all correspondence tp both the court and Egg just to make sure evryone is aware of the current situation. Can I just ask one question that is bothering me ? If Egg are the Claimants do they definitely still own the debt or could BC have bought it from them? The reason I ask is in BC's letter accepting my offer they did not say at any point they have consulted with their client it just said they are willing to accept! Thanks Cupcake
  16. Hi From all the forums I have read when the turbo blows it causes it to run on the engine oil rather than the diesel it should and this only takes seconds to blow the engine also. It seems very very common in dcis I hope this makes sense as I am no way an expert I have just done an awful lot of reading in the last 24 hours!! Cupcake
  17. Hi I have a Renault Grand Scenic dci 54 reg bought from new Dec 2004. Not sure of exact mileage due to previous dashboard failure - new one set my mileage back to 000000 (I'm guessing around 90k) Full service history but not with Renault. It has been burning oil in quite large quantities for the last few months. On Monday morning i drove up the road and at first \i thought a window was open - there was a sound of air escaping/whistle which got worse when I put my foot down. Once I realised it was not an open window and seemed quite serious I stopped, turned around (when I reversed there was serious amounts of white/blue smoke). I drove carefully home with very little power an once back on my drive I could smell a serious smell of burning rubber. I opened the bonnet to check the oil (again!!) and found yet again it was very low so I topped up (again) with about two litres of oil (fully synthetic as advised) I called out recovery service to see if they knew what was wrong. He checked many things said he didn't know what was wrong but didn't think it was terminal. He took it back to workshop. Three days later I am told having spent half an hour on it I need a new engine at a cost of £3600. I have spent the last 24 hours searching the net and to my astonishment it would appear this is a very common problem in renault dci engines of all kinds. The turbo fails (this is explained as just what I experienced on Monday) which very quickly causes the engine to go. In many cases Renault have admitted fault and agreed to pay a percentage of the repair costs. The car is not worth £3600 so I do not really want to pour good money after bad into it. Obviously at 6 years old I know it is out of warranty but does anyone know where I stand with it? I can find many, many examples of exactly the same thing. I have even seen it quoted somewhere (maybe on here) that this is the same fault as Honda had last year when recalled all cars (globally) to repair (the difference between a reputable manufacturer!) I have had two other inherent faults with this car already. One being the electronic dash that fails and has to be replaced and the other being a fault with the heater catching light turns out the wiring loom they use when building the car was of insufficient quality!! I am considering contacting Renault UK (have had trouble with both local dealers) but would really like to know my rights before I start. Any advice would be great Cupcake
  18. Thanks BD I will do as you suggested being as I need to ask them to correct the order anyway! Cupcake
  19. So do I need to worry about the wrong court being on the document or do I just sign and send back? Cupcake
  20. Hi The long term is my only real reason for questioning this. Obviously £5 per month is a great result but £1400 further down the line will probably still be a lot of money to me and I do not want to have shot myself in the foot at this stage in a rush to get it settled. I do have a bank account and I will ensure the SO set up some time before it is due in case of any problems. Thank you all for your great advice on this and many of my other threads. Cupcake
  21. So do you think I should agree the £15188? Cupcake
  22. The costs I am talking about are is the difference from when they "closed off" the account £13738 and the total they are now asking for £15188. Cupcake
  23. Hi Pt So should I be writing back asking them to correct their mistake and go ask that the outstanding sum be corrected to not include their costs? What would be the reasonable amount to settle on? The amount that it was at when I stopped paying in Mar 09 (pushing it a little I figure!) The amount it was charged off at ? (This would take into account the £900 refund they applied just before charging off) Thanks Cupcake
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