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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
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    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Virgin Card - Mbna Cca Is It Valid??


bozalt
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Thanks

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We live in hope, bozalt :D

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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 Guys

 

Applied for my CCA in October to which Experto only today responded with what they say is what MBNA have on file as my agreement. Not sure what to make of this, as this isnt the agreement I would have signed and returned to them when I made my application for Credit Card. Basically what they have sent back is 5 pages of what they say is my agreement. It is titled "Credit Card Agreement Regulated By The Consumer Credit Act 1974", what sticks out like a sore thumb is the lack of signature on this "agreement". On page 4 is has a section with a ticked box in it, is this supposed to be my signature? I guess without a signed document, this agreement is inadmissable as anyone could have put this document together.

 

What do you guys/girls suggest I do as my next form of action?

 

cheers

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Hi Ali

 

You may have better luck if you start your own thread and post up a copy of the contract.

 

I think it would be difficult to obtain an opinion without sight of the CCA.

 

Good luck

 

B

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I came into this world with nothing and I still have most of it left.

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Ali, as advised, if you start your own thread and pop a link here for us to find then you can be advised for your own situation. Is this an online application ? As that would only require ticking. Before a certain date though a paper copy also had to be signed.

Have we helped you ...?         Please Donate button to the Consumer Action Group

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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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Ali, as advised, if you start your own thread and pop a link here for us to find then you can be advised for your own situation. Is this an online application ? As that would only require ticking. Before a certain date though a paper copy also had to be signed.

 

December 2004

 

S.

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December 2004

 

S.

 

 

Cheers Shadow.:D

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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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  • 3 weeks later...
  • 3 weeks later...

Hi

 

Its been very quite however I did recieve another reduced settlement offer today, not sure where they get the figures from but they are not anywhere near as generous as MBNA's offers!

__________________________________________

I came into this world with nothing and I still have most of it left.

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__________________________________________

I came into this world with nothing and I still have most of it left.

__________________________________________

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  • 5 weeks later...

Hi All

 

I hope all is well.

 

Not much to report although I received a letter from Debt Help Services(another trading style of 1st Credit) asking me to contact them regarding repayment.

 

Is it worth sending an account in dispute letter again to these guys or is it best to ignore them? I just want to make sure that should they ever choose to litigate I have covered the bases.

 

Many thanks

 

B

 

 

 

Should I send them

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Dear Sirs,

 

Account Ref

 

Account in Dispute

 

 

This account is in dispute. Please return to original creditor for resolution of dispute.

 

Further correspondence from you will be read and filed only.

 

Etc, etc..

 

 

Paper trail established. :-) Send via Free proof of posting only. Dont waste money on recorded or special delivery costs for these people. As long as you have proof that you sent it and it isnt returned by the post office then it has been delivered. :)

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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Dear Sirs,

 

Account Ref

 

Account in Dispute

 

 

This account is in dispute. Please return to original creditor for resolution of dispute.

 

Further correspondence from you will be read and filed only.

 

Etc, etc..

 

 

Paper trail established. :-) Send via Free proof of posting only. Dont waste money on recorded or special delivery costs for these people. As long as you have proof that you sent it and it isnt returned by the post office then it has been delivered. :)

 

 

Excellent thanks CB! I wonder what they will do, the contract is flakey the default is dodgy. If they had accepted my original repayment offer they would have had over £1000 off of me by now.

Edited by bozalt

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I came into this world with nothing and I still have most of it left.

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Excellent thanks CB! I wonder what they will do, the contract is flakey the default is dodgy. If they had accepted my original repayment offer they would have had over £1000 off of me by now.

 

Hopefully and if they have any sense then they will return the account to the original creditor. :rolleyes:

 

Sadly, they hope to bully and pressure people into repaying. I find it hard to believe that creditors were no prepared to accept short to mid term compromises in the early stages. They would have saved themselves £thousands in administration and legal costs and people would have felt honour bound to repay someone who had shown some consideration for a situtation that many of us didnt ever think we would find ourselves in.

 

But they didnt and because of this dodgy dealings by the creditors in the early stages of the contracts have now come to light. They only have themselves to blame.

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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Hopefully and if they have any sense then they will return the account to the original creditor. :rolleyes:

 

Sadly, they hope to bully and pressure people into repaying. I find it hard to believe that creditors were no prepared to accept short to mid term compromises in the early stages. They would have saved themselves £thousands in administration and legal costs and people would have felt honour bound to repay someone who had shown some consideration for a situtation that many of us didnt ever think we would find ourselves in.

 

But they didnt and because of this dodgy dealings by the creditors in the early stages of the contracts have now come to light. They only have themselves to blame.

 

Wise words CB, that is exactly the situation with me and I am sure many others. The fact they were not compassionate or helpful when discussing my case led me to this website to find out my rights which in turn led me to dispute the debt.

 

The fact is they have also added almost £2k in additional charges to the original balance thus making a bad situation worse. Personally due to the way MBNA and subsequent DCA's have spoken to me and handled the situation has made me more determined to defend my corner.

 

The help of you and others with this has been greatly appreciated.

 

All the best

 

B

 

:D

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I came into this world with nothing and I still have most of it left.

__________________________________________

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  • 7 months later...

I requested all information from Experto Credite back in July 2010, only today have they responded with a letter, stating that I need to go back to MBNA to get this information. However Experto want me to propose to them repaying the outstanding balance.

 

Is there any recourse in the fact that Experto admit they have limited information but are not providing it as requested as well as the time it has taken them to respond?

 

Also can I not refer the debt back to MBNA as a result of the response from Experto, given that MBNA hold all the information?

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I requested all information from Experto Credite back in July 2010, only today have they responded with a letter, stating that I need to go back to MBNA to get this information. However Experto want me to propose to them repaying the outstanding balance.

 

Is there any recourse in the fact that Experto admit they have limited information but are not providing it as requested as well as the time it has taken them to respond?

 

Also can I not refer the debt back to MBNA as a result of the response from Experto, given that MBNA hold all the information?

 

 

Hi alimehmet

 

Have you sent a SARS to MBNA? Have they provided an enforcable contract?

 

B

__________________________________________

I came into this world with nothing and I still have most of it left.

__________________________________________

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You need to resist folding under pressure from experto as the common consensus is that if they have your account its probably defective in some way shape or form.

My mbna accounts went to them after mbna racked up a further 9 months of charges but it did go with a defective default notice as well which was helpful.

I've only had limited contact from experto after i told them the cca was improperly executed,the default notice was defective and if they wanted to take me to court they should consider bankruptcy as an option as i'm not worth anything as it is,not being a homeowner etc.

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  • 5 years later...

Its been a long time since my last post. I stopped all payments in 2012 but have today received a letter threatening a stat demand!

 

Should I respond?

__________________________________________

I came into this world with nothing and I still have most of it left.

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Responding to S>O>S.

 

 

They will need to personally serve a Statutory Demand.

 

 

What is the value of the outstanding debt, bozalt - there was a change to the amount at which a Stat demand could be issued from £750.00 to £5,000 last year.

 

 

I will ask one of the site team to look in on you to advise if you should make any response to this.

 

 

IMHO, I wouldn't rush to do anything just yet.

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?439719-Bankruptcy-threshold-increased-from-£750.00-to-£5-000.00

 

 

Yes, October 2015 the minimum limit was increased to £5,000

 

 

If I recall, weren't there quite a lot of charges on this ?

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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Thank you for your reply Citizenb.

 

There were around £2k in charges and the total balance is claimed to be around £7.5k.

 

 

The last payment was made in 2011 although I notice 2 x £1 credits have been applied subsequently whenever I have requested CCA from the othr DCA's they farmed it out to.

__________________________________________

I came into this world with nothing and I still have most of it left.

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who saying SD

scan the letter up as a PDF please.

 

 

upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX100UK

 

1st credit are the letter writers, copy attached for your reference.

 

I read that they got themselves into trouble in 2009 for sending out SD's.

 

Thanks

1st_credit (1).pdf

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I came into this world with nothing and I still have most of it left.

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pers i'd ignore them.

its designed to get a response.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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