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    • No i have not changed address in 20 plus years.The letters however threw me as out of the blue and i was worried about court action messing up my credit file again.I dont see letter of/before claim but i do see we will issue court proceeding for the full sum in seven days!.I do think thought the debt isnt barred 6 months left maybe ,trying to track it down as most paper work is scraped.  
    • as long as the letter is not entitled letter of/before claim' you are safe to ignore it...   however, have you moved since taking this card out and have not/did not since inform in writing to either MBNA or a DCA that you moved...thus they have from YOU notification of your correct address?   dx  
    • Mine does have a date on top right - 18th March. 
    • Hi there ,   Received a letter from gobal arrow 2nd of may stating they handed my debt to shoosmiths solicitors for collection. The account was opened 2005 with mbna and defaulted i think 2008 when made unemployed  Balance £2200.   I paid a few token payments for a while to various DCAs but then stopped 2012/13 trying to track for sure with bank .   They sent a second letter 22may with 7 day countdown saying they're going legal if arrangement not made.   If checked my credit file and there is no defaults present or dates so its dropped off but i don t know when.   My credit file has been excellent for the last 5 years with every payment to date now afraid of a reset.   Any advice as i am unsure how to approach this .   Thanks 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

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LAG.org.uk/ have this survey on their front page:

Online Surveys | Zoomerang

Their axe to grind is about law-centre funding and access to justice.


Mine is that large trades unions are often just claims management agencies for no-win no-fee lawyers, worse than useless in complex cases and getting-away with business practices which are probably illegal but which members are too tired and skint to sue them for after being let-down. I hope one or two other ripped-off union members fill-in the survey.


(if you google "employees.org.uk" you'll see why some people are cross with unions - I don't mean to start a thread with this and repeat what's been said in others, just to publicise someone's survey)


Replies on paper are welcome at

Legal Action Group, FREEPOST LON 6469, London, N1 9BR


Survey on availability of advice

Legal Action Group and the Access to Justice Alliance have designed this survey to find out how easy it is for members of the public to get advice. We do not give legal advice. We are interested in knowing about the experiences you have had in the last year. We are conducting this survey so that we can better influence Government policy on providing funding for advice services. This questionnaire is short and it is likely that only one or two sections will apply to you. In using the information you give us, we will not use your name or any details that might identify you to a third party.



Filling in the questionnaire

Please answer all questions in Sections A and B as fully as you can. Section C (Contact details) is optional and you do not have to complete this if you do not want to do so. You can complete the survey online www.lag.org.uk/advicesurvey.



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Mine is that large trades unions are often just claims management agencies for no-win no-fee lawyers, worse than useless in complex cases and getting-away with business practices which are probably illegal but which members are too tired and skint to sue them for after being let-down. I hope one or two other ripped-off union members fill-in the survey.


I know you didn't want to start a thread with this, but a few years ago, I spent 3 years working for a solicitors firm that dealt almost exclusivley with employers liability claims (accidents at work) for one of the largest TU's (which i shall not name) in the country.


I think in all, the TU's have more good points than bad, and agree that in an EL claim a union funded claimant is in a better position than one on a conditional fee agreement, however the unions have become incresingly aware of the value of their unique access to claimants and now view this as an increasingly valuable income stream i.e. by selling the claims to solicitors.


No problem with this per se, but the union members i always dealt with had no idea this was happening. If it does happen it should be transparent to all what is going on. I don't work there anymore, and cannot be certain if anything has changed, but the transparency which helps keep everything objective and honest certainly did not exist with this Union, then.


That said, to anyone at work with problems - Join a Union - together we're stronger!

Edited by elche

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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