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    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
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    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Me v MBNA ABBEY AND MBNA VIRGIN


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Struggling with a letter to answer all this c**p. Help please with the complicated bits ?. I've started with the following,

 

 

I must admit I find your decision baffling to say the least, if you cannot agree amongst yourselves what chance do I stand? MBNA have behaved in their usual awful way, they are no better than the con men portrayed in the TV series “Hustle”.

I suppose I will have to accept any refunds and compensation offered but I only do this if it is paid to me in the form of a cheque not refunded to the accounts which will then be manipulated by MBNA so as to nullify them.

Edited by phatram
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Struggling with a letter to answer all this c**p. Help please with the complicated bits ?. I've started with the following,

 

 

I must admit I find your decision baffling to say the least, if you cannot agree amongst yourselves what chance do I stand? MBNA have behaved in their usual awful way, they are no better than the con men portrayed in the TV series “Hustle”.

 

 

I suppose I will have to accept any refunds and compensation offered but I only do this if it is paid to me in the form of a cheque not refunded to the accounts which will then be manipulated by MBNA so as to nullify them.

 

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Should I make the offer or not? the DN's are I believe incorrect. One "agreement" is an application form and clearly states that. Could I win a court case 'cos of the Default notices being incorrect? etc etc

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Blimey phatram, subbed to your thread but you must be frustrated with the lack of response. Somebody better qualified than me should reply, and in these circumstances I would use the red triangle on the left to get attention. It's worked for me when I needed help in the past and noone answered.

Best of luck.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

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Should I make the offer or not? the DN's are I believe incorrect. One "agreement" is an application form and clearly states that. Could I win a court case 'cos of the Default notices being incorrect? etc etc

 

 

Phatram, in what way are the default notices incorrect ? Can you pop a link to them if they are already on your thread somewhere.. or post them up if they arent :)

 

Here is what BRW has to say about Default notices on another thread :)

 

Obviously the dates in respect of the DN below are specific to the other user.. but it gives you an idea of what to look for.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2832151.html

 

Hello E!

 

The above s87(1) Default Notice, assuming they sent it via normal Post, is clearly defective because it has not allowed you the 14 clear days that Parliament demands must be the case.

 

01/09/2009 is a Monday, so if we assume they posted it via 1st Class Post, and did actually Post it on the Monday, then it works out like this (if they cannot prove they Posted via 1st Class, or you have the Envelope and that shows 2nd Class or worse, then 2nd Class will have to be assumed by the Court which makes it even worse for them, see the second table of dates below this one):

Quote:

s87(1) Default Notice if Posted via 1st Class Post

 

01/09/2009 Mon = s87(1) DN Date and Date of Posting 1st Class (if they can prove it).

02/09/2009 Tue = DN in transit +1 day.

03/02/2009 Wed = Date of Service (+2 days from Posting).

04/09/2009 Thur = 1st Clear Day

05/09/2009 Fri = 2nd Clear Day

06/09/2009 Sat = 3rd Clear Day

07/09/2009 Sun = 4th Clear Day

08/09/2009 Mon = 5th Clear Day

09/09/2009 Tue = 6th Clear Day

10/09/2009 Wed = 7th Clear Day

11/09/2009 Thur = 8th Clear Day

12/09/2009 Fri = 9th Clear Day

13/09/2009 Sat = 10th Clear Day

14/09/2009 Sun = 11th Clear Day

15/09/2009 Mon = 12th Clear Day

16/09/2009 Tue = 13th Clear Day

17/09/2009 Wed = 14th Clear Day

18/09/2009 Thur = The earliest day they can demand payment.

 

Thus, 18/09/2009 is the earliest date they should have stated on the above Notice, provided they sent it on the same day as it was issued, and they can prove it was Posted via 1st Class. If not, then move on to the 2nd Class schedule below:

Quote:

s87(1) Default Notice if Posted via 2nd Class Post

 

01/09/2009 Mon = s87(1) DN Date and Date of Posting 2nd Class.

02/09/2009 Tue = DN in transit +1 day.

03/02/2009 Wed = DN in transit +2 days.

04/09/2009 Thur = DN in transit +3 days.

05/09/2009 Fri = Date of Service (+4 days from Posting).

06/09/2009 Sat = 1st Clear Day

07/09/2009 Sun = 2nd Clear Day

08/09/2009 Mon = 3rd Clear Day

09/09/2009 Tue = 4th Clear Day

10/09/2009 Wed = 5th Clear Day

11/09/2009 Thur = 6th Clear Day

12/09/2009 Fri = 7th Clear Day

13/09/2009 Sat = 8th Clear Day

14/09/2009 Sun = 9th Clear Day

15/09/2009 Mon = 10th Clear Day

16/09/2009 Tue = 11th Clear Day

17/09/2009 Wed = 12th Clear Day

18/09/2009 Thur = 13th Clear Day

19/09/2009 Fri = 14th Clear Day

20/09/2009 Sat = The earliest day they can demand payment.

 

Thus, 20/09/2009 is the earliest date they should have stated on the above Notice, provided they sent it on the same day as it was issued, and they can't prove it was Posted via 1st Class, or you have the original Envelope that proves 2nd Class Post was used, or you have some other evidence that the Envelope was not Posted on the same day as it was issued (such as a Franking Date Mark that says 2nd September 2009 or later, in which case, the clock starts ticking later).

 

The reason I have typed the above, is so that you can see there is no way you have been allowed the 14 clear days if this Notice was sent to you via Post.

 

 

Your Strongest Argument

 

That defective s87(1) Default Notice is your strongest Application argument so, it's the one you hit them with first and hardest. Don't get bogged down saying too much else, otherwise you will just soften the impact of your main point. To ram that home, you must know the issues backwards, and be willing and able to make it clear that there can be no leeway on this issue.

 

This has nothing whatsoever to do with morals, so do not let the Judge try to get past this by saying daft things like...

Quote:

...were you going to pay it?

 

...you've spent it so you must pay it back.

 

That is not for the Judge to rule upon if the Notice is defective. The acid test is the Notice itself. Was it set out in the Prescribed form using the Prescribed words, did it accurately state what you had done wrong in relation to the Terms of the Agreement, did it accurately state the exact default amount they were entitled to demand that you pay and did the Notice give you 14 clear days?

 

If the answers to any of the above are no, then the Notice is defective, and the Claimant loses any right to enjoy s87 benefits. If the Agreement is also Terminated, either by a Termination Letter because they have taken enforcement action not otherwise allowed unless they had secured s87 benefits, then that Agreement is ended, and they cannot thereafter issue an effective s87(1) Default Notice.

 

 

Further Reading

 

You must read the Default Notice Thread by Surfaceagentx20, and you must read this case and include it with your Skeleton Argument (and send the enemy a copy well ahead of Court):

 

Woodchester v Swayne & Co [1998] EWCA Civ 1209 (14 July 1998 )

 

Note the Judge's comments about accuracy, i.e. if they ask for something to which they are not entitled then, in his Judgment, the Notice is defective.

 

Also, note that the Judge in that case does not say that a Court can overlook anything if it is de minimis, he only says they might overlook something...i.e. if the matter were very small. I would suggest that would be something like missing a full stop, or a minor issue like that.

 

 

Fighting a de minimis arugument:

Failing to set the Notice out in the Prescribed way, using the Prescribed Wording is not de minimis.

Failing to state what you have done wrong with accuracy in order that this fault can be remedied is not de minimis.

Failing to state the exact default sum you need to pay in order to remedy the default is not de minimis.

Failing to allow the Statutory number of clear days that Parliament demands that you must be allowed is not de minimis.

 

The Court cannot allow for any such errors, because there is nothing in either the Act nor the supporting Statute that permits any leeway. The phrase de minimis is not mentioned anywhere that matters. In any event, all this phrase means is a Court can overlook a very small matter that is of little concern.

 

If the Judge or the enemy try to use a de minimis argument, then ask them to direct you to the area of the Law that mentions they can do this? i.e. just so that you can direct people to this point later when the Appeal comes up!

 

But, seriously, get your ahead around this, and realise that there is no leeway if they get the Notice wrong. It cannot be fixed, unless they are entitled to issue an effective Notice, and to do that, the Agreement has to be live, which it cannot be if they have taken you to Court to demand early payment.

 

 

The Right to Demand Early Payment Depends on s87

 

The right to demand early payment is only available to them if they are already in possession of an effective s87(1) Default Notice that you failed to remedy once the Statutory time had elapsed. Without that, it's a Catch 22 situation for them, because they need an effective Notice to use s87 and, if they are found to have used s87 without an effective Notice, then they have clearly Terminated the Agreement via unlawful Rescission of Contract. That's because they have demanded something from you to which they were not entitled, so have shot themselves in the foot because it is then they who have broken the Agreement by doing this.

 

 

Secondary Arguments

 

Once you have banged home the above issue, then of course the next main points you can hit them with is their poorly pleaded Particulars of Claim (read CPR so that you understand CPR 16), and their monstrous attempt to try and make you pay s69 County Courts Act 1984 8% Simple interestin relation to a Claim that is based upon a Regulated Agreement.

 

Take a copy of this, and include it in your Skeleton [note s2(3)(a)]:

 

The County Courts (Interest on Judgment Debts) Order 1991

 

 

Minor Arguments

 

By all means mention the way they have behaved generally, but keep it short and sweet, and use this mainly to show how unreasonable they have been, and how Court could have been avoided had they acted more decently.

 

 

P.P.P.P.P.P.P.

 

Remember the above! Proper Prior Planning Prevents P*** Poor Performance!

 

Get your notes ready, then spend some time reading out aloud, from memory, what you want to say. If you stumble, then make some brief notes to help yourself. Then try again, and again, and again.

 

If you keep getting it wrong, then by all means draft a speech, and tell the Judge you are a Litigant in Person, unfamiliar with speaking in Court, so would the Judge mind if you read out your speech from your pre-prepared notes. Stand up, speak clearly and slowly, and state your case that supports your Application.

 

Make sure your Court Bundle is next to you, and practice how you can turn to anything you might need to refer to, such as CCA s87, CCA s88, the Statute on Default Notices [Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 SI 1983-1561], the above Case that covers Default Notices, and anything else you think would be useful.

 

 

A Quick Self-Test

 

To test yourself, try working out answers and strong counters to the following questions and invalid statements:

A Default Notice is not important, I can overlook that, what matters is the Agreement.

Point out that the proper execution of the Agreement is another matter, and does not affect the key issue over their loss of any right of action if they have failed to end the Agreement appropriately.

The Notice is dated the 1st and they want payment by the 15th, that's over 14 days, is it not. What's your problem?

Point out that's not allowing 14 clear days, see the Tables above based on 1st and 2nd Class Post, explain the way 14 clear days must be allowed, and the consequences of getting it wrong because they lose all s87 benefits for all time.

You clearly owed them money, are you denying that?

Point out that it is for the Claimant to prove that a properly executed Regulated Credit Agreement was made, and can be produced before the Court (CPR PD16 7.3), and then for the Claimant to prove they have secured a right of action to demand early payment of sums not otherwise due before they elected to end such an Agreement. Say you are not denying that an Agreement was made, but questioning if it was properly made, and if they have ended it in such a way that allows them to seek early payment of sums not otherwise due.

Demanding early payment is not enforcement, and does not end the Agreement.

Point out that the recent McGuffick case, and the latest OFT guidelines confirm that demanding early payment is enforcement, and requires s87 benefits. Those benefits are only secured by following s87 and s88 to the letter. Taking such steps without s87 benefits, is a breach of the Agreement on the part of the Creditor and amounts to an unlawful rescission entitling you to a valid Claim for damages against them for ending the Agreement in this way

The default sum is correct if they deduct the unlawful charges they have since offered to repay and/or have since repaid.

Point out that a bank is, or should be, in a position to get their figures right. Nobody would accept errors when checking their bank balance via ATM, so it's only reasonable that a bank should know, to the penny, what is owed at any one time. If they have made mistakes, or levied charges to which they were not entitled, then this destroys any credibility that the sum they claimed in the Notice was properly owing and due. The above Case makes it clear that demanding sums to which a bank is not entitled, will render any Notice defective on that basis alone.

The Default Notice is headed correctly, and you must've known what it was about, so why should I not overlook these minor errors that you say exist.

Point out that the wording of a Notice is Prescribed, there can be no room for error. If the Judge agrees that the Notice contains errors, and/or mistakes and/or has not allowed the Statutory time, then it can only be the case that the Notice is defective and must rule on that basis. To rule otherwise, needs to be supported, and say you cannot see anything in either the Act or supporting Statute that permits defects in a Notice to be overlooked. Direct the Judge to Swain...and have ready, read out aloud, some of the best and hardest hitting quotes from that Case.

 

 

So, start asking similar questions, and start thinking how you would counter them. Then go back and re-word your main opening statement so that you try to cover such issues before the Judge starts asking them!

 

The trick is to go in hard from the outset, and leave the Judge no sensible option but to agree with you! But do be ready to answer any questions, and field any fast balls the Judge shoots at you to probe any gaps in your Application's verbal opening statement on the day.

 

If you can spot a problem today, you can bet the Judge will spot it on the day. So keep going over this, and keep refining your line of attack until you have covered all the key issues. Then condense it so the Judge does not fall asleep while you read it all out!

 

I do hope this helps.

 

Cheers,

BRW

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Phatram, in what way are the default notices incorrect ? Can you pop a link to them if they are already on your thread somewhere.. or post them up if they arent :)

 

Here is what BRW has to say about Default notices on another thread :)

 

Obviously the dates in respect of the DN below are specific to the other user.. but it gives you an idea of what to look for.

 

Hi,

 

Don't want to hijack but it may help also.

 

If the above 2nd class or 1st class example (post 586) was posted on a friday....would the saturday and the sunday be 'in transit' days above the normal 4 allowed?

 

So: for 2nd class

 

Fri - post date

Sat - transit +1day

Sun - transit still day 1 ?

mon - transit day 2

tue - transit day 3

wed - date of service

 

or does sunday count so that tue would be date of service?

 

Cheers.

Edited by royalblue1878
post no'
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Neither Saturday or Sunday (or bank holidays) count as 'transit' days. Posted on a Friday the service day is the following Tuesday for 1st class, Thursday for 2nd class, unless someone knows otherwise!

Phatram, you have definitely been short changed on both your DN's but I suspect MBNA have never put any termination in writing. This leaves them open to have another go at getting a DN right.

Hope this helps.

Exchange

Edited by exchange
clarification

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

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RESTONS

SOLICITORS LTD

 

Trinity Chambers 800 Mandarin Court Centre Park Warrington Cheshire WAI 1GG Fax 01925 417517 DX 17770 Warrington

 

 

 

 

 

 

 

 

 

 

Please Reply To: Mr Direct Line 0870 755 9821

Email mmd@restons.co.uk

Our reference:

Wednesday May 14, 2008

 

 

 

 

 

 

 

Dear Sir

 

URGENT - For IMMEDIATE action

 

 

 

MBNA Europe Bank Ltd v. Yourself, ref. Overdue Credit Card balance Balance: We are instructed by MBNA Europe Bank Ltd to claim immediate payment from you of the balance outstanding on your Overdue Credit Card balance, £xxxx.xx , plus capitalised interest as appropriate.

You must now pay £xxxx.xx to this office by Thursday, May 22, 2008 failing which a summons will be issued for the full balance PLUS any continuing interest, fees and costs. A Judgment will be entered against you which will be registered. Your credit record will be affected making it difficult for you to obtain credit in future.

Our Client may be prepared to accept payment by instalments. If you wish them to consider this option please complete the enclosed questionnaire and return it to this office within 6 days. Unless we hear from you we may decide to telephone you on any number available to us. Alternatively please telephone us on the above DIRECT line within 6 days. All future correspondence/payments should be sent to this office clearly marked with your name and account number. Receipts will not be given unless specifically requested.

Finally, our Client has asked us to draw to your attention an opportunity for you to clear the account at a specially discounted settlement figure which could represent a substantial saving for you. If you are interested you should call the direct line listed at the head of this letter.

Yours faithfully,

 

 

 

 

 

 

 

 

 

 

Mr M Litigation Executive pp Reston's Solicitors Limited

 

Why would they offer to settle at a discounted figure?

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Hi Phatram,

 

I recieved that same letter from Restons back in August 09.

 

I replied stating that 'due to my income I could only offer a token payment of a pound a month as previously stated. If my position changed then maybe I could offer more.'

 

They replied to say that 'my offer was not acceptable and MBNA have instructed them to commence legal proccedings'.

 

It is a standard letter they send maybe to pretend to be trying to do something to avoid court action.

 

If your happy to offer £50 a month and can afford it and they accept it then that is one way of avoiding any court paper tennis.

 

I got my court papers the next day.

 

Restons/MBNA will take you to the limit hoping you will cave in first. If you can't pay and you feel you have a good solid case then let them carry on.

 

In the end they had no CC agreement and discontinued their action a day before an application notice (to strike out) hearing.

 

The offer for a discounted figure is just to cut their 'losses' and looks good if it ever gets as far as a court hearing.

 

If you are happy to offer £50 a month and can afford it then that is one way to avoid any future court paper tennis. (providing they accept it)

Edited by royalblue1878
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Don't waste your time looking for a termination letter from MBNA...........they don't send them.

 

However, look at this post as it explains MBNA's position once an account is "charged off" ( or terminated) - img011.jpg picture by paulbaxter009 - Photobucket

 

Both of the Default Notices are defective by the way. ;)

 

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I've decided against making an offer. I want to become a thorn in their side and make them work for it. I want to make sure they've done everything correctly or my solicitor will have them. He thinks they could end up backing off if they think they may lose for any reason. I'm thinking of writing to Restons asking them to confirm the amount of the alleged debt and how they arrive at that figure. Anything else I should do?

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  • 2 weeks later...

I would assume you have attached conditions to that offer Phatram.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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