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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CL Finance/Cohen Claimform - MBNA [ryanair] Credit Card debt **WON**


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but how can it be the same letter worded exactley the same from 2 different companies????? Are they working from the same letter templates ????

 

Akania, MBNA took over abbey contracts so in effect they are the same company now.

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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Hi akania

 

I have one with MBNA & Abbey, when i sent of for my CCA's i sent one £1 to Abbey and a £1 to MBNA. When i received my CCA's they came back in the same enverlope. I did receive a couple of letters once on the same day, one from Abbey and one from MBNA signed by the same person.

 

Gaz

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CB forgot to say, why have they tried to get me on this one and not the MBNA account. As they keep combining these accounts in other letters.

 

Gaz

 

I havent a clue, Gazza. :confused: Is this the older of the 2 accounts ,or is it a larger balance? Could be as simple as being the next one in Dee's "to do" tray.

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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I havent a clue, Gazza. :confused: Is this the older of the 2 accounts ,or is it a larger balance? Could be as simple as being the next one in Dee's "to do" tray.

 

CB never thought of that, i think this one was the older of the two.

This is the bigest of the two, I've done the letter that you put up thanks. I'll get that off in the post tomorrow, will just have to see what happens next with this lot.

 

Gaz

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guzzleguts, as they are supposed to provide ALL information they hold on you, I would have thought that only one payment would be necessary. However, you never know with MBNA. so it might be a good idea to SAR each account separately.

 

Gazza, I think it would probably be best for you to wait and see what MBNA's next move is going to be. If they are only going to be passing on one account you might still be in with a chance for the pink pig . Dont give up hope just yet. :lol:

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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guzzleguts, as they are supposed to provide ALL information they hold on you, I would have thought that only one payment would be necessary. However, you never know with MBNA. so it might be a good idea to S.A.R - (Subject Access Request) each account separately.

 

This is wrong.

 

It's one SAR for each Data Controller - in this case, it's the same DC with 2 accounts. just be sure that your request refers to account numbers for identification purposes only, not specifically requesting information on those accounts alone, and you will only need one request.

 

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Hi Gazza when i was trawling through threads yesterdaY

I saw on the thread from someone called gertrudeloves credit that Decker has set up an e petition on that goverement no 10 site to get MBNAS credit license taken away!He also managed to get a ccj put aside by judge because MBNA did not comply his cpr request for CCA! That news was great and shows that courts do side with us poor consumers sometimes! :D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Gazza!

The thread is called Me Myself & MBNA Help Required! The thread belongs to someone called Gertrudelovescredit,It is not Deckers thread but he posted his good news plus his intention to start a petition on no ten site on it!,The only thing is i could not see a direct link to the petition which was a shame as i am sure there are quite a few members of the MBNA fan club who would love to sign it!:Di spoke too soon when i said MBNA had stopped ringing me at home!I got a call frrom this woman DCA who had the cheek to address me by my first name! when trying to establish who i was! trying to fool me into thinking she was a friend trying to call!These DCA are getting quite devious in their phone tactics as Barclays once did that to me as well when i was a bit late paying them! What a cheek! A firm who has rung me loads of time at work and set RMA to ring me ten times a day at work certainly no friends of mine and have no right to address me my my first name at all!When Maz and other s giving me some advice about what to put in an fos report and Maz said yesterday that though MBNA had sent me a letter saying they would remove my work number from their systems and one thing in their favour they seem to have complied with this as i have not to my knowledge recieved any phne calls at work for a long time from MBNA or RMA,Though they said that they did reserve the right to phone me to remind me about my debt from time to time at home!:eek:So it looks like they are going to start home phone calls again but home ones are easier to cope with as thanks to this wonderful site i now say to myself eveytime a DCA rings!THIS IS MY PHONE! My PHONE LINE!! I dont have ro speak to anyone i do not wish to speak too ! but at work of course this is different so it is like blackmail!Maz though thinks i ought to still bring up the fact to the FOS when saying their CCA is not very legible the fact that MBNA and their agents did used to phone me loads of times at work in spite of being told that i was not willing or allowed to speak to them amd in RMAs case up to ten times a day!and the fact that even though the calls have now stopped at work they did cause me a lot of distress humiliation and embarresment which will always stay with me!so i suppose it would be worth a mention on any complaints to FOS and TS.

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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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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Hi

 

Well it looks like i'll be getting a call from MBNA, as i had one off there calling cards through the door today.

Need to sharpen my dogs teeth, one good thing i'll be saving on the dogs food next week :D.

Heres the card that came today.

 

Card0001.jpg

 

Gaz

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Send tham this (if you haven't already)

Please note that I am only prepared to communicate with you in writing. Should it be your intention to arrange a "doorstep call", please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. 384 per Lord Evershed M.R.).

 

Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.

 

 

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Hi Steve

 

No, i've not sent any letters to them yet.

As i've only got a phone number on the card and i've checked the number and it comes from Chester. Just need to check the number on the card to see if its the same number as MBNA.

 

Gaz

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Hi

 

Well it looks like i'll be getting a call from MBNA, as i had one off there calling cards through the door today.

Need to sharpen my dogs teeth, one good thing i'll be saving on the dogs food next week :D.

Heres the card that came today.

 

Card0001.jpg

 

Gaz

 

Read it carefully - they only say they will call - not that they will call on your house. They are trying in their silly little, feeble, cretinous way to get you to telephone them.

 

Do not waste cakes, biscuits, boiling water, tea etc. because the pondlife will never darken your door.

 

You can probaly look forward to letters in coloured envelopes (making you think they are greetings cards), and, when they REALLY LOVE YOU, you'll get the infamous pink pigs!

 

Be prepared for a barrage of multi-coloured b*llsh*t from these morons - and - welcome to the MBNA fan club!

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Hi Gazza!Dont worry about someone calling on your house from MBNA!I saw on someones thread that a person who said he was an ex employee of MBNA actuaully said that it is normally an empty threat and MBNA dont normally send house agents to visit you and if they did they would be more frigtenend that you!LOL.Though perhaps MBNA are going to treat you nicer and send claire! LOL:)

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Gazza!Dont worry about someone calling on your house from MBNA!I saw on someones thread that a person who said he was an ex employee of MBNA actuaully said that it is normally an empty threat and MBNA dont normally send house agents to visit you and if they did they would be more frigtenend that you!LOL.Though perhaps MBNA are going to treat you nicer and send claire! LOL:)

 

Hi Sunflower

 

Frightened of me, You must have powerers of the behond how did you know i was the incredable Hulk lol. Yes they would be frightened of my green colour. Hope Claire comes and i dont frighten her of.

Looking forward seeing them knock on the door, must make sure i got film in my camera lol.

 

Gaz

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