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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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CCA REQUEST TO MBNA my journey by Maz


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:(Hi Maz

 

I m starting my 1st battle with debts, been reading your thread and just wonder would it be possible to have a look at your 1st copy of letter to MBNA requesting your CCA?

It would help me so much as I dont really know how to go about these sort of thuings and too scared that i will land myself in legal trouble as I dont know what I m doing.

 

Thanks

bobogosing

follow the light!

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:(Hi Maz

 

I m starting my 1st battle with debts, been reading your thread and just wonder would it be possible to have a look at your 1st copy of letter to MBNA requesting your CCA?

It would help me so much as I dont really know how to go about these sort of thuings and too scared that i will land myself in legal trouble as I dont know what I m doing.

 

Thanks

bobogosing

 

I have posted on your thread, Bobo, just click the link below:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/155888-please-advice.html

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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hiya Bobogosing

 

just seen your post on my thread - it looks like you have been helped already so thats great, ive seen what hopeful1 has done and the info appears now on your thread so thanks hopeful1 for helping out

 

hope you get it all sorted, like you have been advised already you just need to keep calm and keep going, it will eventually make kind of sense the more you learn and take others advice, remember they have been there already and me , i will take any advice off anyone who has already experienced it, no matter how many o levels someone has, today, experience counts far more,

 

however, feel free to ask and if i can help in anyway i will, as others have helped me so far its the least i can do for others,

 

take care and thanks again hopeful1 - amazing support

 

ciao for now MAZ

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya Bobogosing

 

just seen your post on my thread - it looks like you have been helped already so thats great, ive seen what hopeful1 has done and the info appears now on your thread so thanks hopeful1 for helping out

 

hope you get it all sorted, like you have been advised already you just need to keep calm and keep going, it will eventually make kind of sense the more you learn and take others advice, remember they have been there already and me , i will take any advice off anyone who has already experienced it, no matter how many o levels someone has, today, experience counts far more,

 

however, feel free to ask and if i can help in anyway i will, as others have helped me so far its the least i can do for others,

 

take care and thanks again hopeful1 - amazing support

 

ciao for now MAZ

 

 

Hi Maz

 

Just wanted to say thank you for your kind comments, i'm glad i've been able to help. Long may it last!!

 

I'm sure bobo will appreciate your support too.

 

Take care ;)

Edited by Hopeful1
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I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

Well guys,,,,as Arnie used to say "I'll be back!" lol

 

well no cca have landed on my mat,,, i posted the recorded delivery letter and i know they have had it as i included data letter too, which they have responded see earlier post on here,

 

so 12 working days up today.

 

Can wait until mondays post i guess just allow a few more days, but really im not hopeful.

 

So next point of attack is ,a reminder letter? or straight to trading standards

 

also as ive paid august payments showing goodwill last week, if i dont get the cca copies by the end of september, can i just stop paying them? i need to awake them somehow.... i guess what im really saying is if i did stop paying the plan payments set up, could this be seen as bad by the judge if i get to court, wouddnt it look better i contiune the payments ( i can make the payments no problems) and thus the judge can see im paying but do want to see a copy of my cca

 

too late in the night, im waffling, hope it makes sense, i will await on you wonderful people to help me out as usual

 

ta and have a fun weekend ciao for now MAZ

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Maz

 

Thanks for your pm. When you post on your thread you are automatically 'bumping' it to the top of the forum.

 

When i log onto the site i click on USER CP and it lists all the threads i've subscribed to starting with the ones that have been posted on, so don't worry i will know to look at your thread :D

 

I am just on my way out now so i will look at this later for you.

 

You are right to be reasonable and give them a few more days.

 

Just remind me, what are your plans with this account?

did you want to declare it unenforceable and leave it at that?

did you want to reclaim charges?

did you want to agree a full and final or a new repayment plan?

 

This info will help me to suggest how to move forward.

 

How's the payment a day going? ;)

Edited by Hopeful1
A link i'd used didn't work as planned, so got rid!!
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I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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hiya Hopeful1 and everyone

 

ive not had any cca and my postman has just delivered my post,

 

Hopeful1 - ref my above post no 21 from their data controller, i think now that as i have put all my cca's requests all on seperate letters plus my data letter in the same envelope. It now appears to me until i send them the id document requested they will not be sending me anything.

 

in reply to your questions on post 31

 

as there are 3 seperate credit card accounts, all now on payment plans been accepted by mbna and have been paying the amounts every month since early 2008.

 

1. wanted to see the cca for each account so im satisfied that they cannot take court action.

2. as im due to go back to work and this was one of their conditions that i inform them when this is. (i understand that then at this point they would want a revised income and expenditure)

3.Charges have been applied but a calculated guess is only about 200.00 on each card, there are 3,

4. ideally would want to offer a full and final figure as full settlement and i understand that i would be in a better position to offer a much lower figure if they dont have a cca.

5. Being dealt with by mbna inhouse but of course they could decide to sell onto a dca and thus do we go round in circles again?

 

I apologise for my delay as i had wanted to scan the letter recieved as i cant remember where ive put it, too much going on at the mo, daughter college, me trying to get back to work, doctors, dss hassling me for a doctor medical, etc, , but will find it today -

 

So of course now do i inform them that they have breached the cca rules, or would the letter they have sent me now include they havent as they are waiting on my id, im not happy to send them copies of either my legal document of driver license or passport,

 

I would be happy to produce the license when they hand over the documents to me, i could suggest they deliver the documents to the local alliance and leicester branch and the manager can view my license before she gives me the paperwork, but not happy with them having my signature beforehand. I think there is a letter i could send, but how do i stand on the cca and the data info, treat as two seperate things>

 

sorry am a little backward today, i appreciate your concern and thanks for the posting to remind me on my email.

 

I await your advice thanks again, will log in later ciao for now MAZ

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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They do not require any ID for a CCA, I would suspect this is delay tactics. I wonder if it would be worth speaking to Trading Standards about that. That is not a bad idea to suggest that you are happy to show your ID at a branch of the Alliance & Leicester that way they dont get sight of your signature before hand.

 

I dont know what else to suggest. You sent the letter that Hopeful found for you re them not requiring your signature didnt you?.

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Just a thought but as long as they don't supply the CCA then the account is in dispute and you are entitled to with hold payment.

As far as I understand things they cannot enforce the debt or start any legal action whilst in dispute and if they do you have the letters to prove they refused to comply with your lawful request...I'll try and find a letter for you that sums this up but if you stop paying I think you will be surprised how quickly the CCA lands on your mat...:)

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That is my thinking multay.. it would certainly focus their minds a bit :D

 

Perhaps a note saying something like, if you dont believe I am who I say I am, how come you are accepting money from me :rolleyes:

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

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Yeah...Might be worth saying that as they don't think you are who you say you are, you can't be sure they applying the money to the correct account so you will HAVE to stop paying until they prove it's your account with a true copy of the CCA...:D

The fact is that you have the legal right to stop paying after they go into default...Every letter they send just send the CCA default letter back..

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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hiya all,

 

ive managed to now back online after daughter has hogged it since back from college, lol

 

many thanks for your input so far everyone,

ive ticked your scales, wink wink for your help,

 

so in reply, i have to let you know have had a call from someone who left me a message on my home ans machine,to call this person back on blah blah number, didnt declare who they were but im pretty sure mbna, they wont be doing that anymore, let me assure you - done a sneaky thing, no one can now ever ever leave me a message anymore lol

 

i like your thoughts citizenB, i have not yet sent that particular letter advising they dont need id, i think ive seen it somewhere here,

 

Should i now, and also could include the line "if you dont believe I am who I say I am, how come you are accepting money from me" :rolleyes:

 

due to the phone call received, i would rather respond in writing to them and again remind them to contact me in writing only.

Have already sent them a harrasement letter in the past.

 

((((Thinking also more paperwork held to show my paper flow of information requested and not received)))))

 

Also like you say Multay, i also think its a delay factor, and if you could get me that letter i could then put it into dispute, i wonder how fast the cca will arrive, to tell you all the truth, ive requested initially in may and finally again after talking to them on the telephone they only sent me CURRENT TERMS AND CONDITIONS, not the cca and i think that was just to shut me up in july. I now refuse to talk to them on the telephone.

 

So my cca request and data letters this time, ive get full records and now im a tenacious woman on the loose, and will not give up!

 

i have paid on time two of the 3 cards, but the a/l one due date is next week, i thought id give them the chance to get me the cca, as they havent, i could argue the line about the account now in dispute blah blah, or report them to trading standards.

 

im not sure of the next move as such, so will await your help thanks again

 

will have a wander about and come back in an hour ciao for now MAZ

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi all sorry to but in on you thread Maz but I really need some advice about non-compliance to a CCA. Brief version of events so far - sent for a CCA request in Jan, in Mar had a letter saying they were no longer dealing with debt, in May received my cheque back and a letter saying they couldn't provide a CCA and they would no longer pursue the debt! Then received a letter accepting my previous offer of full and final payment!! In the past few weeks have received 6 letters threatening legal action. I wrote to them using the template "no cca received" letter and received a reply today. They are saying that the letter I received in March was an error, and they are saying that they don't need to provide a cca and are asking for full payment in 10 days. I go on holiday at the weekend and I really don't want this hanging over me, please help anyone!!

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Try this one....

 

ACCOUNT IN DISPUTE

Dear Sir/Madam,

 

Your ref:

 

 

Thank you for your letter of **DATE**, the contents of which are noted.

I refer to my letter of **DATE** a copy of which is enclosed for your perusal and ease of reference.

As you are unable to provide me with a true copy of my alleged Credit Agreement this account is now in SERIOUS DISPUTE.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of the credit agreement on request

I also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

Should you fail to provide me with the True copy I have requested, I require written confirmation of this and your proposals for resolving the matter.

I also require you to confirm that you will comply with the OFT guidelines, and not attempt any further collection activity whilst the dispute is unresolved, as per OFT guidelines.

I reserve the right report your lack of compliance to Trading Standards, Financial Ombudsman Service and any other agencies I see fit.

 

Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.

 

I would appreciate your due diligence in this matter and look forward to your response in the hope of resolving this dispute in an amicable manner.

 

 

Yours faithfully

 

I think this should be OK....But best to get some more opinion first..

Edited by Multay

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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Hi all sorry to but in on you thread Maz but I really need some advice about non-compliance to a CCA. Brief version of events so far - sent for a CCA request in Jan, in Mar had a letter saying they were no longer dealing with debt, in May received my cheque back and a letter saying they couldn't provide a CCA and they would no longer pursue the debt! Then received a letter accepting my previous offer of full and final payment!! In the past few weeks have received 6 letters threatening legal action. I wrote to them using the template "no cca received" letter and received a reply today. They are saying that the letter I received in March was an error, and they are saying that they don't need to provide a cca and are asking for full payment in 10 days. I go on holiday at the weekend and I really don't want this hanging over me, please help anyone!!

 

You should really start you own thread for this, then people will be able to give more advice but you could try the letter I just posted...The simple fact is that they do have to send you the document and if they take you to court you have a complete defence...:)

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Thanks Multay I will send the letter. They have quoted lots of laws so I think they are trying to baffle me. Luckily I have every letter they have sent me and also all of mine that were sent offering payment WHEN they provided the CCA. I also have a letter sent in July accepting my offer of full and final settlement (less than a 1/4 of the debt) I guessed this was them clutching at straws

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i like your thoughts citizenB, i have not yet sent that particular letter advising they dont need id, i think ive seen it somewhere here,

 

Should i now, and also could include the line "if you dont believe I am who I say I am, how come you are accepting money from me" :rolleyes:

 

due to the phone call received, i would rather respond in writing to them and again remind them to contact me in writing only.

Have already sent them a harrasement letter in the past.

 

((((Thinking also more paperwork held to show my paper flow of information requested and not received)))))

 

Also like you say Multay, i also think its a delay factor, and if you could get me that letter i could then put it into dispute, i wonder how fast the cca will arrive, to tell you all the truth, ive requested initially in may and finally again after talking to them on the telephone they only sent me CURRENT TERMS AND CONDITIONS, not the cca and i think that was just to shut me up in july. I now refuse to talk to them on the telephone.

 

So my cca request and data letters this time, ive get full records and now im a tenacious woman on the loose, and will not give up!

 

i have paid on time two of the 3 cards, but the a/l one due date is next week, i thought id give them the chance to get me the cca, as they havent, i could argue the line about the account now in dispute blah blah, or report them to trading standards.

 

im not sure of the next move as such, so will await your help thanks again

 

will have a wander about and come back in an hour ciao for now MAZ

 

Hi Maz

 

Here's the link for Paul's letter regarding signature requests:

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/131333-dca-creditor-demand-specimen.html

 

You are right not to ring and to keep writing particularly if you do decide to TS. Ask for a copy of their complaints procedure 1st though and go through that as it gives you a stronger case an dmakes them look more unreasonable.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Brilliant - thank you Multay

 

- will use this need to do for each cca? should i include all in the same envelope?

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Just for future reference, this thread by RMW is good toO. Although it's about FOS, it's a good guide for complaints in general ;)

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html

  • Haha 1

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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will be back in a hour as daughter wants pc - ta 4 now maz

Im happy to help with support and my own thoughts, but 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.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Sorry maz, I thought you had already sent them that letter. Yep, as advised do it now. I can see no reason why you cant put them all in the same envelope. Just to ensure there are no problems.. at the very end of each letter after where you would sign, put something like. Enclosures: 3 CCA requests for and list the account numbers.

 

Yes, I think that adding the fact that not only have sent sensitive data to you already (which I think might be in paul's letter), they are accepting money from you so they must be pretty certain you are who you say you are. Afer all what idiot would be paying someone elses account ??.

 

Many thanks for the click :D

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Yes, thank you to the people that have 'clicked' me tonight!

 

Just to go back to the suggestion about taking ID into the branch - they would probably photocopy it, so i would avoid that too :rolleyes: This game makes you very sneaky :shock:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Thanks Multay I will send the letter. They have quoted lots of laws so I think they are trying to baffle me. Luckily I have every letter they have sent me and also all of mine that were sent offering payment WHEN they provided the CCA. I also have a letter sent in July accepting my offer of full and final settlement (less than a 1/4 of the debt) I guessed this was them clutching at straws

 

IF you start a thread you should post the letter up(removing all personal detail) and then the experts can pull it apart line by line..:)

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

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