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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Mbna 'agreement' - now threat of legal action

underdog13

By underdog13
in MBNA

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odezi

odezi

Posted
Posted
Just make sure you're keeping the envelopes as well Odezi...

 

Many thanks Welshmam2009. I have developed a habit of keeping everything because I fast realising that some of these companies will try anything.

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Nomore Baloney

Nomore Baloney

Posted
Posted

Had a girl on the home phone yesterday from 1st Credit asking me to confirm I was happy that there was no fraud on the account.

 

I told her I hadn't mentioned fraud and the account was in dispute because they hadn't complied with my CCA request.

 

She still banged on about fraud and I why I hadn't confirmed I was happy as such as requested in their letter.

 

I told her I couldn't comment until I had the full, compliant agreement.

 

She then tried to get me to confirm that once I had the full agreement, that they DID have that I would clear the outstanding amount.

 

I just reiterated my, 'no comment until I recieve a full, compliant agreement', statement. That cheered her up no end, hehehhe.

 

She promised to send it out yesterday, so I will see what happens.

 

Puzzled as to why they are so keen about my alleged fraud bit. I have not mentioned it, so I figure there is some angle there that they are worried about. Just have to work it out.

 

Funny lot to deal with though..

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the_shadow

the_shadow

Posted
Posted
Had a girl on the home phone yesterday from 1st Credit asking me to confirm I was happy that there was no fraud on the account.

 

I told her I hadn't mentioned fraud and the account was in dispute because they hadn't complied with my CCA request.

 

She still banged on about fraud and I why I hadn't confirmed I was happy as such as requested in their letter.

 

I told her I couldn't comment until I had the full, compliant agreement.

 

She then tried to get me to confirm that once I had the full agreement, that they DID have that I would clear the outstanding amount.

 

I just reiterated my, 'no comment until I recieve a full, compliant agreement', statement. That cheered her up no end, hehehhe.

 

She promised to send it out yesterday, so I will see what happens.

 

Puzzled as to why they are so keen about my alleged fraud bit. I have not mentioned it, so I figure there is some angle there that they are worried about. Just have to work it out.

 

Funny lot to deal with though..

 

Perhaps the signature on the agreement is "iffy" :confused:

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Nomore Baloney

Nomore Baloney

Posted
Posted

Nope, it looks ok.

 

Can anyone remember what format these apps took? I think they were on of those that were on a single sheet of A4, but I'm not too sure.

 

Its just that I have a theory, but I would like to confirm the physical structure of the Virgin application before revealing my deductions. My app is the same as the on on post #3 (I think) at the start of this thread.

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WelshMam2009

WelshMam2009

Posted
Posted

She still banged on about fraud and I why I hadn't confirmed I was happy as such as requested in their letter.

 

They obviously know something that we don't!!

 

If enough people challenge their 'cut and paste' agreements then it has to start sounding alarm bells sooner or later.

 

I imagine the CCA retrieval process is undertaken by relatively junior members of staff who may not fully comprehend the implications of 'do it yourself' agreements.

 

Fraud should almost certainly lose MBNA their licence and maybe someone a little higher up the food chain has cottoned on to their possibly irregular practices.

 

They wouldn't be pressing you for such a response NB unless it was of some significance to them.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Nomore Baloney

Nomore Baloney

Posted
Posted
Nope, it looks ok.

 

Can anyone remember what format these apps took? I think they were on of those that were on a single sheet of A4, but I'm not too sure.

 

Its just that I have a theory, but I would like to confirm the physical structure of the Virgin application before revealing my deductions. My app is the same as the on on post #3 (I think) at the start of this thread.

 

Hello, anyone about? :)

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AA99

AA99

Posted
Posted
Hello, anyone about? :)

Hi, I've got a Virgin original card carrier document from March 2007 but never an application form, was done online. For a CCA request, MBNA just sent A4 printer sheets with all their current T&C's on :(

 

I can post it up if you want:|

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Nomore Baloney

Nomore Baloney

Posted
Posted
Hi, I've got a Virgin original card carrier document from March 2007 but never an application form, was done online. For a CCA request, MBNA just sent A4 printer sheets with all their current T&C's on :(

 

I can post it up if you want:|

 

thanks for that, but what I am interested in is finding out what format the original app was as per the one in post #3.

 

Was it a double sided A4 sheet, maybe folded in half with 3 sides gummed together or maybe some other method of construction.

 

The point I am getting at is that if you look very carefully at one edge of the first page there are some tiny bits of torn paper at the edge of the photocopy highlighted by the black border. These are repeated on the second image, making it look as though it is 2 sides of the same sheet.

 

The question then becomes, how was it posted to them if it was just the one A4 sheet, as there is no address, or are some pages missing.

 

If you see what I mean!

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AA99

AA99

Posted
Posted

Yes I do see what you mean but there seems to have been so many different ones issued by so many different card names, and at the end of the day, it's a matter of matching up yours, or lack of it, to theirs, to the judge in court on the day. A long road...........still, keep on keeping on ;)

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odezi

odezi

Posted
Posted

I send of my request for CCA last week to 1st Credit and they sent me a letter today saying they don't keep the agreement and it's still with MBNA. They said they have asked MBNA t send it to me. Has anyone else received such a letter from 1st credit? I find it strange that they have taken over the loan yet they don't have the agreement.

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odezi

odezi

Posted
Posted
Hi Odezi

 

1st credit should by rights send you one if they have taken your account over. But the way MBNA work anything may happen.

 

Gaz

 

Many thanks for the reply. Am I able to ask them for an agreement confirming the transfer so that I can confirm is the charges added by 1st Credit is valid?

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sunflower99

sunflower99

Posted
Posted
MBNA generally take a few months to respond to s78 requests.

 

If you withhold payment or make lower payments, it will damage your credit rating I'm afraid. It is not easy to get defaults removed, but some have achieved it after a bit of a battle.

 

An enforceable agreement is necessary in court cases, but some judges seem to be overlooking that fact:roll: However, if they make a judgement in error of law, you can appeal.

 

Quite a few people seem to be winning their cases against MBNA - have a read round the forums:)

Hi Underdog!

Thats very encouraging!:)

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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odezi

odezi

Posted
Posted

I sent my CCA request to MBNA and Northern Rock on 26 March. How long do I need to give them to reply. Also Northern Rock have put a temporary charge on my house. Can I ask them to remove it if they don't produce the CCA in the required time?

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odezi

odezi

Posted
Posted
How did they get a 'temporary charge'? This would have to be granted by a court, unless you agreed to it.

 

I didn't. My debts are been managed by a debt management company and when they made offers to the creditors Northern Rock did not accept it. They then sent a letter saying they were going to take out a temporary charge, which I cmmunicated to the debt mngt company and sent them the correspondence as they asked. The next letter was a court document saying they had got a temporary charge and were going to make an application fr a permanent one. The debt mngt are now challenging it. It was something I wanted to do myself but they said it would be better for them to file the challenge.

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citizenB

citizenB

Posted
Posted
I sent my CCA request to MBNA and Northern Rock on 26 March. How long do I need to give them to reply. Also Northern Rock have put a temporary charge on my house. Can I ask them to remove it if they don't produce the CCA in the required time?

 

the timescale for provision of the CCA is 12 +2 working days. Odezi, do you have your own thread on this :)

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citizenB

citizenB

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I'm afraid I don't. I will read the guide and try and set up a thread. Citizen B, many thanks for the dummies guide.

 

When you have set up your thread, put a link here so people can track you down:D

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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.

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maroondevo52

maroondevo52

Posted
Posted

Get tracking :D

 

http://www.consumeractiongroup.co.uk/forum/mbna/193699-mbna-cc-loan-settlement.html

Any advice I give is honest and in good faith.:)

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Help keep it up and active, helping people like you.

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