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    • No change in advice. Get the purchaser to take lots of photographs and if possible send you back the empty box – you will have to pay for that I suppose but you will get it back from EVRi. You may want to send a slight amendment to your letter of claim – but the date stays the same. Get a move on so you can get the claim filed well in advance of the compulsory mediation date which quite frankly will only get in your way especially as it is new and nobody really understands the rules yet
    • Good evening guys many thanks for your posts and advice. Im sorry for the late reply but i fell asleep on the sofa when i got home.  The good and bad news is that the case has been discontinued, the bad news is the claimant did not inform me of this. I wasted fuel and paid for 2 hrs of parking to find this out.  Not that it matters now but the lady in reception told me that the county court was in Gloucester today and not Cheltenham however my letter clearly says Cheltenham. So i'm assuming the county court moves between the 2 courts. I was actually looking forward to getting a judgement in my favour but it was not to be. The woman told me that the claimant should have informed me.  Anyway guys i thank you all times a million for your professional assistance with this one. It looks like they new they would lose and gave up, its appalling that they allowed to waste the court's time as well as mine.  
    • An interesting moderation debate chaps! But something very strange has happened with my claim today. Shortly after I posted the Letter of Claim to P2G I received a text message from them - "Your parcel (P2G-123005161) was delivered at 12.55 to CF5 *** (original buyer's post code) with Evri Drop-off"  I messaged the buyer (who I refunded in full (£265) for the original non-delivery on 27 March) and asked if it had indeed turned up. He confirmed it had been delivered and taken in by his wife, with a photo taken to confirm delivery. But the box I'd so carefully packed the clubs in was, of course, empty, except for the original packing material I'd used, and the buyer's details which I'd also included in the box. I'd used getting on for half a roll of heavy duty black ducktape to seal the box, especially at both ends, and the buyer advised one end had been cut/torn open (likely when the 8 golf clubs were extracted) and then loosely resealed.  Needless to say, no explanation for the 1 month delay in delivery, and Parcel2Go have emailed me this evening to advise they've decided not to approve my claim as 'The parcel started to track'. Grateful for your thoughts on this significant new development. I presume the onus is now upon me to prove the parcel was empty upon delivery - how would you suggest I tackle that? And should I draft and submit a new Letter of Claim to P2G, resetting the 14 day clock?    Many thanks G59 
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MBNA a new tactic


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As seen at: http://www.consumeractiongroup.co.uk/forum/general-debt/116833-mbna-letter-world-record.html#post1184827

 

Utterly, utterly ridiculous. Just what do MBNA hope this risible nonsense will achieve?

 

Mine was sent several weeks after they'd sent an unenforceable agreement, but since MBNA don't appear to be able to find their arse with both hands and the light on, nothing surprises me about them. This week I have received 2 loan offers and a pre-approved credit card form from them as well. Cretins.

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My Wife received this letter today and we could not believe it, we are still waiting for the CCA agreement request to be sent us .

 

your thoughts! welcome.

http://www.uploadone.com/images/scousepie/letter2.jpg

 

you are going to get bombarded by more of these "types of correspondences" keep them to use as evidence

 

we think there are up to about 8 stages in these "bools*ite" letters

it would be a good idea when you have the full set to scan them onto a single thread to display the evolution of their tactics

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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Wel, THAT little missive should certainly be reported to Trading Standards and the OFT. How many rules does it break????? :D

 

Oh yes; it's in the file I'm building up for TS and OFT - I intend to hit them with one complaint about MBNA's dodgy practices. The loan letters could be an attempt to encourage further lending in order to repay them, or a try at getting me to phone. On the other hand it may just be MBNA's admin vortex at work, in which case it would appear to be evidence of irresponsible lending.

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Vulture -

I am in the process of setting up a site to show just that sort of thing, with scanned examples of ways in which DCAs and creditors fail to comply with law and regulatory rules. Primarily it is to give the lie to the CSA's drivel, but will also be useful to show people what they can expect.

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the next letter says

 

mr xxxxx i haven't given up on you

 

don't ruin your lifestyle

 

it shows a large pink piggy bank bottom right corner "could this be your new next friend"

 

sorry you have to wait about a month for the next letter -

 

we have various clients communications at various stages in the office.

piggybank.png

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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This is terrible, thank goodness I found this site and I am wise and informed about my rights and what little power these types of cretins have, this time last year something like this would have left me panic stricken, now it would get filed .... with the rest !!!

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This is terrible, thank goodness I found this site and I am wise and informed about my rights and what little power these types of cretins have, this time last year something like this would have left me panic stricken, now it would get filed .... with the rest !!!

 

 

and write the date you received it at the top !!

Tam Wing Chuen -v- Bank of Credit and Commerce Hong Kong Ltd [1996] 2 BCLC 69

 

1996

PC

Lord Mustill Commonwealth,

 

Lord Mustill discussed the need to construe a contract contra preferentem: "the basis of the contra proferentem principle is that the person who puts forward the wording of a proposed agreement may be assumed to have looked after his own interests, so that if words leave room for doubt about whether he is intended to have a particular benefit there is reason to suppose that he is not."

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That was one of my favourites. I think you'll get one of these next (with or without the "Final Notice" added)

 

6nqdf8m.jpg

 

I like the way they specify a time, you can just imagine them watching the big clock on the wall and wondering if you are going to call.....

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Oh that is quite a scary looking piece of paper:o. What worries me is the people whose lives are being destroyed by this sort of behaviour who haven't found out that it is utter bullsh*t.

 

MBNA rang my neighbours because I would not answer the phone:mad: So when they couldn't find my CCA or indeed any paperwork at all regarding my alleged debt to them it was a very happy day for me. They deserved it.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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That was one of my favourites. I think you'll get one of these next (with or without the "Final Notice" added)

 

6nqdf8m.jpg

 

I like the way they specify a time, you can just imagine them watching the big clock on the wall and wondering if you are going to call.....

 

This is a work of art, it is a form of Bullying?

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

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I have seen the 'even if not read by you' bit before.

 

What in heaven's name is that supposed to mean? After all if you hadn't received it you could not have read the damned thing?

 

And how are you supposed to seek help from them? I tried that a long time ago - they don't do help....

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hmm made me chuckle reading that wonderfully worded letter

 

the "valid even if not read by you" part, true stroke of genius isn't it

Bit like Robbinson Ways Pseudo Court Letter. Valid Even If Not Read By You What utter Bullsh!t

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Send One Back:

Lets Get Right To The Point...No Agreement=No Enforcable Debt:D

 

HAK

 

 

 

Yep! That's the sort of thing I now put in my letters.

 

It couldn't be clearer could it!!!?

 

 

Regards, Jeff.

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MBNA rang my neighbours because I would not answer the phone:mad: So when they couldn't find my CCA or indeed any paperwork at all regarding my alleged debt to them it was a very happy day for me. They deserved it.

 

OMG - that's outrageous they're surely not allowed to do that!!! isn't that bullying? Did you report it to any authority - if so what happened.

 

I'm appalled!:-x

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No but OH shouted at them a lot!!! As they have gone away with no money I think they got what they deserved but they were threatened with being reported to everyone OH could think of while speaking to them on my neighbour's phone:o

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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LOL - a Valentine from MBNA, just imagine it :)

 

MBNA seem totally out of control - unfortunately after you've been bombarded with their moronic letters, postcards, and other rubbish they then sell the debt to a DCA. It doesn't matter if they haven't provided a CCA and have committed an offence - they'll still do it and default you in the process :mad: . Why do they do it? Because they've got utter contempt for the UK consumer and know that UK consumer law is toothless. Typical behaviour of an American company really ;) .

WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 :cool:

LBA sent for non-compliance with Data Protection Act 28/04/07 :mad:

 

ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)

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I had similar from them, wasn't it a great delight when I was able to close 3 cards I had with them in one swoop when they refunded £2K of charges to my account after one phone call (they didn't meet the time limits of the DPA which made it a straight choice for them!).

 

I would avoid them at all costs - being in debt to them means 20 or so attempted automated dialler calls a day. Horrid to be so scared of your own front room.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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