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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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    • purple_rain
      Faulty Laptop returned for free fix - advised DPD house no. of neighbour/my safe space - left parcel outside - it was stolen

      By purple_rain · Posted

      retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free  I hope dpd will refund them so they don't lose out. Will keep you guys posted. 
    • jk2054
      Faulty Laptop returned for free fix - advised DPD house no. of neighbour/my safe space - left parcel outside - it was stolen

      By jk2054 · Posted

      Your fine that doesnt matter Ask retailer to refund/replace if they refuse sue dpd
    • purple_rain
      Faulty Laptop returned for free fix - advised DPD house no. of neighbour/my safe space - left parcel outside - it was stolen

      By purple_rain · Posted

      Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
    • dx100uk
      Failure to insure - DVLA Fine letter

      By dx100uk · Posted

      again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • dx100uk
      Speeding ticket stop - no ticket

      By dx100uk · Posted

      There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    

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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.

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

All MBNA Caggers Fight Against MBNA's underhand tactics

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By pompeyfaith
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out_of_the_red

out_of_the_red

Posted
Posted

Thank you Elgrand, I was thinking of signing up for Choose To Refuse on my home phone line but am loathed to spend money just because of their harrassment. It's the calls to my mobile which bother me most because I always have that with me

 

MBNA are just bullys and I wonder how people can do the job they do and sleep at night....

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Elgrand

Elgrand

Posted
Posted
It's the calls to my mobile which bother me most because I always have that with me

I gave up my old mobile and got a cheap pay as you go, so i no longer have that problem with them.

 

I just read about the Truecall, that looks like an amazing bit of kit!!
It sure is. You can manage your calls and preferences online and keep synchronising them to the device.

 

I have all the nasty numbers blocked and it sends them a message not to call me. There really is so much you can do with it and i highly reccomend it.

 

Elg.

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out_of_the_red

out_of_the_red

Posted
Posted

Sadly I can't do that as I have an iPhone....if I was still on PAYG then I would do....fnrgh! Wish the mobile companies would come up with a way to block calls

 

I think I may stump up the money for this little gadget, it'll make my life much quieter at home.....LOL!!!

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Chalkitup

Chalkitup

Posted
Posted
I just read about the Truecall, that looks like an amazing bit of kit!!

 

Hello,

 

It is a brilliant piece of kit ..... I actually accept all the DCA's calls and record all of them ...... They drop themselves in it every time ...... the things I have recorded them saying ... you would not believe!!!

 

The Truecall computer software is terrific.

 

The firm that supply it are very helpful and answer all questions to the full.

 

Onwards and Upwards

 

Chalkitup

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citizenB

citizenB

Posted
Posted
Hmmm....they told me they had *requested* mine and if they could would let me have a copy??

 

Maybe ICO is the way to go??

 

PS: Do you think your agreement is enforceable, if not what do you propose to do about it??

 

Nope, the ICO will not consider this as part of any complaint made to them.

 

This is their response to me.

 

"In your subject access request you specify that you want full copies of all contracts including true signed copies of all original contracts. If these contracts fall under the jurisdiction of the Consumer Credict Act (CAA), we would not be able to consider this part of your complaint as we do not have any involvement in regulating sections 77 or 78 of the CCA. The CCA is regulated by the Office of Fair Trading and as such they may be able to offer you further advice on this matter". They give the the address of the OFT.

 

So there you have it.. bombard the OFT with any complaints regarding non compliance with the CCA request. :D

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WelshMam2009

WelshMam2009

Posted
Posted

"In your subject access request you specify that you want full copies of all contracts including true signed copies of all original contracts. If these contracts fall under the jurisdiction of the Consumer Credict Act (CAA), we would not be able to consider this part of your complaint as we do not have any involvement in regulating sections 77 or 78 of the CCA. The CCA is regulated by the Office of Fair Trading and as such they may be able to offer you further advice on this matter". They give the the address of the OFT.

:D

 

I think they're wrong here. If you made your request under CCA legislation and the information failed to materialise then yes, I would agree. But when you undertake a SAR then you should be provided with all data, regardless of the legislation which brought about it's implementation.

 

For example, does that mean that you are not entitled to receive a copy of any Notice of Assignment because it is necessitated under the Law of Property Act?

 

You wouldn't get hardly any data disclosed on this basis!!

 

I can't help feeling that someone is putting the squeeze on the ICO to start bouncing these complaints away!! :evil:

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

 

MBNA Cards

 

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lexis200

lexis200

Posted
Posted
Hi all,

 

If you send the letter asking MBNA to only contact you in writing do they actually abide by it? I'm getting royally p**sed off with the calls from them. I'm getting at least two a day if not three, they NEVER leave a message though which is odd!

 

I'm not getting upset just annoyed!!

 

It only worked with me when they passed OH's account onto Aegis (overseas), at which point I mentioned rather vehemently to them that we had suddenly started getting sales calls from the US, and how precisely was OH's data being processed and protected by them?

 

This was after 3 or 4 letters telling them to write only, but after this one they did stop, save for a couple more that got through whilst their 'we won't phone you' letter was in transit. This was months ago and we've not heard a peep phone-wise from them since.

 

Try writing to someone higher up rather than the normal minions (ie ignore anyone like the 6+ Heads of Customer Assistance - sod all will happen if you write to them!), as that may get you a better response, even if you haven't had the account passed on. Possibly:rolleyes:

 

I've got the address of (one of) the VP's who sorted it for us if you would like it. I'm sure others have addresses too that they could post for you to try!

 

One thing I did see that I quite liked the idea of was emailing them. Whoever the poster was, they got the email addresses of everyone they could find in the company, from the plebs at the bottom of the chain to the CEO. Then, every time he got a phone call from them he sent a mass mail to everyone detailing the time of the call, who it was, the amount of calls they were currently up to and telling them to write only. I seem to remember after about 2 days he had an email telling him contact by phone would cease with immediate effect:)

 

That one sounds like more fun:D

Time flies like an arrow...

Fruit flies like a banana.

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WelshMam2009

WelshMam2009

Posted
Posted
One thing I did see that I quite liked the idea of was emailing them. Whoever the poster was, they got the email addresses of everyone they could find in the company, from the plebs at the bottom of the chain to the CEO. Then, every time he got a phone call from them he sent a mass mail to everyone detailing the time of the call, who it was, the amount of calls they were currently up to and telling them to write only. I seem to remember after about 2 days he had an email telling him contact by phone would cease with immediate effect:)

That one sounds like more fun:D

 

Absolutely love that idea Lex!! It's up there with Underdog's whistle blowing technique!! lol :D:D:D

 

Now...if only we could get a copy of those email addresses...;)

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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I've got no money

I've got no money

Posted
Posted
Absolutely love that idea Lex!! It's up there with Underdog's whistle blowing technique!! lol :D:D:D

 

Now...if only we could get a copy of those email addresses...;)

 

 

I bet that if you look carefully in the Company annual reports - and get the Directors names - and then look at how they do their email addresses that you could work it out...

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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GamekeeperToPoacher

GamekeeperToPoacher

Posted
Posted
I bet that if you look carefully in the Company annual reports - and get the Directors names - and then look at how they do their email addresses that you could work it out...

 

 

Then send them in reply to the Nigerian 419ers

 

I knew they would come in handy at some time.

Now Dr Abngowa where are my millions?

 

GK

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guzzleguts

guzzleguts

Posted
Posted

Hi all sorry to drift off subject, i read a thread a couple of days ago that stated Howard cohens solicitos for the quality DCA Cl finance :rolleyes: had gone into partnership with another firm hence changing their name, if this is correct should they still be issuing claim forms in their old name?

 

Any thoughts

 

GG

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Mightyacorn

Mightyacorn

Posted
Posted
Hi all sorry to drift off subject, i read a thread a couple of days ago that stated Howard cohens solicitos for the quality DCA Cl finance :rolleyes: had gone into partnership with another firm hence changing their name, if this is correct should they still be issuing claim forms in their old name?

 

Any thoughts

 

GG

 

Now Cramer Cohen of Leeds, but still using Howard Cohen Cleakheaton as subsidiary, so no reason for them not to carry on.

MBNA Let Battle Commence - Discontinued

 

Howard Cohen Complaint to SRA

 

Howard Cohen oh dear

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basa48

basa48

Posted
Posted (edited)

Here is the MBNA agreement received a while ago:

 

mbnaagreementp1deletions.jpgmbnaagreementpage2.jpg

 

I have no doubt it is a cut-n-paste job.

 

  • There is no fold line on the first page.
  • There is no reference on page 1 to the financial particulars on page 2.
  • The first page states "If your application for a credit card is approved"
  • Under Data Protection it refers to section 11 of T&Cs. Section 11 of the T&Cs supplied is 'Altering this Agreement'
  • On page 1 it states 'Issued by MBNA Europe Bank Ltd, Chester' and page 2 again MBNA Chester, yet the address label is MBNA Harlow Essex.

 

Anyone remember MBNA in Essex?????

 

I wonder if they'd dare take this into a courtroom? :roll:

Edited by basa48
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SteveH2508

SteveH2508

Posted
Posted
Here is the MBNA agreement received a while ago:

 

?action=view&current=mbnaagreementp1deletions.jpg?action=view&current=mbnaagreementpage2.jpg

 

I have no doubt it is a cut-n-paste job.

 

  • There is no fold line on the first page.
  • There is no reference on page 1 to the financial particulars on page 2.
  • The first page states "If your application for a credit card is approved"
  • Under Data Protection it refers to section 11 of T&Cs. Section 11 of the T&Cs supplied is 'Altering this Agreement'
  • On page 1 it states 'Issued by MBNA Europe Bank Ltd, Chester' and page 2 again MBNA Chester, yet the address label is MBNA Harlow Essex.

 

Anyone remember MBNA in Essex?????

 

I wonder if they'd dare take this into a courtroom? :roll:

 

It fails the legibility requirements completely.

 

I doubt they can weasel round that one, :grin:

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basa48

basa48

Posted
Posted
It fails the legibility requirements completely.

 

I doubt they can weasel round that one, :grin:

 

Well yes ... I can barely read the copy right in front of me. In fact I'd go so far as to say most of the prescribed terms in there I can only guess at because I know what they should be!!!:roll:

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citizenB

citizenB

Posted
Posted

Cosalt, this is becoming standard practice for ALL creditors to demand a signature. I would make it as different as you can, sign over lines or XXXX's.. photocopy the signature page before returning it.

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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basa48

basa48

Posted
Posted
It fails the legibility requirements completely.

 

I doubt they can weasel round that one, :grin:

 

It would certainly fail the CCA legibility requirement ...... but then this document was part of a SAR, which as far as I can see, has no legibility requirement.

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BlueSquirrel

BlueSquirrel

Posted
Posted
It would certainly fail the CCA legibility requirement ...... but then this document was part of a SAR, which as far as I can see, has no legibility requirement.

 

Doesn't it mention an "intelligible format" for SAR. So if you can't read it...

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basa48

basa48

Posted
Posted
Doesn't it mention an "intelligible format" for SAR. So if you can't read it...

 

Yeh I did see that clause, but wondered if it was meant more a language thing i.e. not using legal or technical terms. I suppose it could well be interpreted as readable also.

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