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    • 12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks 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 consequences 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? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • 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?
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      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.

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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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      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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Should my father accept this offer from MBNA - Partial Settlement - Visa. Thanks


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Hi

 

Firstly, I would just like to say a massive thank you to so many people on this forum who have helped me in my research relating to Visa card companies accepting “full & final payments” to clear Visa balances and with trying to get my father debt free. The information available on this site is incredible.

 

My father has 3 Visa cards with a total of around £11,000 and 1 Egg loan with a total of £2,300. I have been in contact with 3 of his Visa companies to try and get them to accept a “full & final payment” on his balances. I am also in contact with Egg to get them to pay back the PPI for which he has paid £1,222.00. He is currently only paying £18.00 per debt, per month as this is all he can afford.

 

We have been unfortunate that Mint have wrote back and not accepted his 1st offer but we have just received a letter from MBNA agreeing to a “Partial Settlement”.

 

I would like clarification that what they are offering my father is correct.

This is what we have received from them:

 

--------------------------------------------

Dear Mr ******

Thank you for your recent correspondence regarding an offer of settlement. We confirm your offer of £2350.50 will be accepted in Partial Settlement of your account.

 

Our agreement is conditional upon payment being received within 21 days from the date of this letter. Upon receipt and clearance of the payment, we confirm no further action will be taken to recover the remaining balance.

 

Your account would be registered as a Partial Settlement with the Credit Reference Bureau for 6 years.

 

Please be aware that a statement will be sent to you confirming receipt of your Partial Settlement payment, which is your information only as your account will subsequently be closed.

 

Further use of your card will void this agreement, therefore, if you have not done so, please return your card and any unused credit card cheques.

 

Please make your cheque payable to MBNA Europe Bank Limited, and forward to:

MBNA Europe Bank Limited

Royal Avenue

Widnes

WA88 1AS

 

Please ensure your account number is quoted on the top left corner of the cheque.

 

Yours sincerely

Sally Moran

----------------------------------------

 

 

I just want confirmation that a “Partial Settlement” can still clear an account. I thought it may need to be “Full Settlement”. I know it seems to clearly state that in this letter but I want your views please.

 

He is also unconcerned that the Credit Reference Bureau will have these details for 6 years, as he will not get another Visa card of loan again in his life. He is 62 years old.

We are happy with this offer as he owed them £4.800.00 (However, he had paid around £2,500 in interest over the time he had his card).

 

We have also just received a letter from Egg (currently his balance is £4,700.00 - we have offered £1,350.00). They have agreed to look at the possibility of accepting a Partial Settlement but they need more information regarding his outgoing etc.

 

What I have agreed to do is pay these offers for my father on one of my Visa cards at a rate of 6.9% until the balance is paid off - a lot better than the 33% he was paying!

 

Cheers again for your help and support.

Chris

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Hi,

 

I am fairly new to the game myself so someone will give better info than me but I am nearly 1000% sure that a partial settlement means they can sell that debt on to a debt collection agency within the 6 year timeframe AND THEY WILL. Please do not pay anything until one of the guys or gals on here confirms the agreement is correct. If no-one responds keep putting a reply on. These companies cannot be trusted;)

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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If you do go ahead with the offers DO NOT SEND THEM THE CARD BACK EVEN IF YOU HAVE CUT IT UP as there are instances on this site where MBNA have used a card in court as verification to a judge that an account did exist because of there being no agreement.

 

Just say to MBNA sorry because of the data protection act i have taken the liberty to cut and dispose of the card myself

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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There are many other threads about this issue. Partial Settlement means exactly what it says on the tin. Partial Settlement = i.e. Part payment.

 

If you wish to settle this matter once and for all - it must be FULL AND FINAL SETTLEMENT - and you must get that in writng before you pay up.

 

Please do not allow yourself to be misled by MBNA

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Cheers for your views - I think I'm going to ask them for details regarding my fathers agreement and to see what information they have on file. I'm also NOT going to send any money until we receive a letter confirming full and final settlement.

 

Can someone please give me the link to the thread regarding the first letter that goes off to a Visa company asking for information about signed agreements. This site is too big :eek:.

 

Thanks again

Chris

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Hi

 

I just want to show you the letter from MBNA that my father received on the 20th January for your views.

 

Dear MR ******

 

Thank you for your recent correspondence regarding an offer of settlement. We confirm your offer of £2,350.50 will be accepted in Partial Settlement of your account.

 

Our agreement is conditional upon payment being received within 21 days of this this letter. Upon receipt and clearance of the payment, we confirm no further action will be taken to recover the remaining balance. Your account would be registered as a Partial Settlement with the Credit Reference Bureau for 6 years. Please be aware that a statement will be sent to you confirming receipt of your Partial Settlement payment, which is for your information only as your account will be subsequently closed.

 

Further use of you card will void this agreement, therefore, if you have not done so please return your card and any unused credit card cheques.

 

Please make your cheque payable to blah blah blah......

 

 

 

......he has also received this on the 24th...

 

In relation to our conversation on the 22nd January 2009, I am pleased to inform you that we provisionally accepted your offer of £2350.50 in payment for the above account. MBNA are prepared to accept this significantly reduced payment in short settlement of your outstanding balance of £4915.24. In return MBNA will not take any further action and the account will not be pursued further.

 

Remember this will report on your credit file as being settled which would be more favourable than a default for further aplications for credit.

 

 

 

 

What do you think???

 

CLT

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I agree, don't be underthe illusion these guys play fair. It does not say this debt will not be sold on to a DCA. DO NOT acccept unless it is full and final and even then you need to post the letter on here for everyone to look at before accepting. This is in y humble opinion. I will find the link and send it to you with the template letters.:)

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Honestly, just ring them. If your'e not authorized on the account, call up and put your father on the line, get him to clear security then add you as an authorized user, then you can speak to them directly.

 

you will go through to the TACS department, basic grunts who pick up the initial calls, and they may be able to find out for you, if not, you will be transfered to the collections department and they will answer the uestion for you. You can ask them for a definite answer if this payment will be the only payment and the account will be cleared then closed down. If they say yes, ask them for a letter stating as such, then feel free to pay it. If they don't, then avoid them.

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Honestly, just ring them. If your'e not authorized on the account, call up and put your father on the line, get him to clear security then add you as an authorized user, then you can speak to them directly.

 

you will go through to the TACS department, basic grunts who pick up the initial calls, and they may be able to find out for you, if not, you will be transfered to the collections department and they will answer the uestion for you. You can ask them for a definite answer if this payment will be the only payment and the account will be cleared then closed down. If they say yes, ask them for a letter stating as such, then feel free to pay it. If they don't, then avoid them.

 

I agree but remember what they say on the phone is irrelevant it is only legal when followed up with the correct letter. As grummy mentions if you get the letter feel free to pay. Post it on here first though.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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I agree but remember what they say on the phone is irrelevant it is only legal when followed up with the correct letter. As grummy mentions if you get the letter feel free to pay. Post it on here first though.

 

 

...will do, thanks.

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  • 3 weeks later...

Oh dear, oh dear.

 

I've just had a phone call from my father to say that MBNA will not be offering "full & final payment". They will offer "Partial" or "Short" payment but can not guarantee that a debt collection agency will not come after the remaining money owed.

 

He has also been informed by Mint that they too will not accept "full & final payment". We await a letter from Egg but I presume that it will be the same answer.

 

I have sent all 3 companies the same information. ie total outgoings, what my dad can afford to pay etc. He has gone to see Citizens Advice and he has done exactly what has been asked. I have sent MBNA and Mint template letters that are available on here and really can't think what else to do.

 

They will not accept full & final payment to clear the debt and feel the only other option he has is to go bankrupt or just let them take him to court. (He is paying them £18 each per month - should be close to £200)

 

However, there is around £40,000 equity in the house and I was wondering IF he does go bankrupt would the judge tell him he has got to sell the house?

 

Is it worth taking my dad off the deeds now - only then to have my mothers name on the deeds. All the debt is in my dads name.

 

Any help is appreciated (god, you've got to love your parents eh! :rolleyes:)

 

Cheers

C

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