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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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My Cca From Mbna Please Look


ANDREAMOUR
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Don't know if that's good yet or not, haven't used this solicitor before and have not heard anyone else using them ... but they are free! I'm going to keep track of this myself so that I agree with what they are doing every step of the way.

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I mean they operate a no win no fee arrangement, they don't take any money up front and don't take any of your compensation, so in practice they are free. Actually I didn't go with them because they were putting all their unenforceability cases on hold until one of the test cases gets decided, they are only doing harrassment injunctions at the mo. But they also said they were only in the business of taking lenders to court, but not defending if a lender takes me to court - because they say they have too many cases and have limited themselves to that.

 

But I am consulting with another free solicitors to see if they will take my cases, just faxed them my agreements. It took a bit of guesswork to google the right terms and I got a few just on google. What matters most to me is the barrister they appoint.

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Well here's an update after speaking with the solicitor (in particular the solicitor who audits agreements to see if they can be challenged).

 

On the illegible agreements provided, she told me that I should write to Abbey and Virgin under Section 136 of the CCA. I have to get out the legislation and read it, or maybe there is a template letter on this site somewhere:???: Anyway, what I understood by this is that it would be asking Abbey or Virgin to admit the agreement is unenforceable because they could not produce a legible copy. Then they either have to produce a legible one or accept its unenforcibility.

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136. The court may in an order made by it under this Act include such provision as it considers just for amending any agreement or security in consequence of a term of the order.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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section 136 provides that an agreement may be amended as a consequence of a time order - for example, by reducing the rate of interest or extending the term of the agreement.

 

The consumer can apply for a time order following receipt of a default notice, or a notice of enforcement action under the Act. The court can also make a time order as part of proceedings brought by the lender for enforcement of the agreement or to recover possession of goods or land (for example, mortgage repossession).

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Not quite sure how this has any bearing on your agreement??? Giving you extra time to pay or reducing the interest is not forcing their hand in getting them to admit that it is unenforceable

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Abbey or Virgin to admit the agreement is unenforceable because they could not produce a legible copy. Then they either have to produce a legible one or accept its unenforcibility.

 

Just had a look at the letter mbna sent me and they stated that the original agreement wasnt that clear but the best they could give me

so thats accepting that is ellegible!

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We are also fighting MBNA for a dubious agreement missing prescribed terms and T&Cs. interestingly, though, I found the T&C they sent when they sent the actual card through and they are vastly different from what appears on the reverse of the application form which MBNA claim constitutes the agreement in conjunction with the T&Cs which they haven't been able to produce.

 

They have also just sent an intended Default Notice, so am gonna hit them with as much as I can. Andreamour, they also stated that they were aware the copy they sent was difficult to read but it was the best copy they could provide!

 

One question I don't know if anyone can help with - their statement about Cancellation is woolly at best, and I have been searching for any regulations about what should be contained within this section, but can't find anything. Can anyone point me in the right direction?

 

Interesting too about the mole - seriously, not content with terrifying us with all their other methods they now try to infiltrate our support network! I wonder how they sleep at night?

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Hi ANDREAMOUR,

 

Sorry about the irrelevance but what are you using to paste your documents, I'm desperately trying to enlarge my CCA's in the post

If you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy and paste the URL back here we'll be able to see them.

 

On the Tinypic page left click the 'choose' button & a seperate window will open, choose which file you want to upload and left click 'open', the window will close then left click 'upload now' button. Your document will upload to tiny pic & the page will refresh giving a list of links. Just copy & paste the Url link back here & we'll be able to see it.

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