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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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    • Derek Duvall
      PCN Issued by Euro Car Parks in Sainsburys, Whitechapel, London

      By Derek Duvall · Posted

      I have just received a PCN from Euro Car Parks for exceeding allowed parking time. I have not replied, appealed or contacted anyone from Euro Car Parks but would appreciate any advice before deciding on my next course of action. I have attached letter of correspondence    Euro Car Parks PCN.docx
    • honeybee13
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By honeybee13 · Posted

      It's better to keep advice on the open forum for everyone's benefit. Maybe you could post up the correspondence in a single pdf document and cover up your personal details, reference numbers and so on? HB
    • ffc1991_
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By ffc1991_ · Posted

      Hi on the notice of disqualification it lists the 2 speed offences and marks offence withdrawn? This is for both offences and then the other 2 is the MS90s which I’m fined for and the additional costs. R
    • OldVWMK1
      Markerstudy - Other driver fled the scene

      By OldVWMK1 · Posted

      Hi,    It has taken a while, but I have received an email from Auxillis -  hello, we are not dealing with this claim all we do is log accident for you isnurance - the claim has been passed to your underwriter markerstudy 0344 873 8183 as they are deal with fault cliams ion behalf of adrian flux. thankyou auxillis   I have made repeated attempts to phone Markerstudy in between working from home, struggling for energy and trying to find a cheap car so that I can keep my job (community support worker). Thankfully I have a supportive team and I am being given phone calls to make but it cant last too long. I had a severe migraine over the weekend and also have quite bad whiplash in my neck and back.    I found this in my insurance policy booklet -    Protection and Recovery If the insured vehicle cannot be driven following an incident leading to a valid claim under this section, we will pay: • the cost of its protection and removal to the nearest approved repairer, competent repairer or nearest place of safety; and • the cost of re-delivery after repairs to your home address; and • the cost of storage of the insured vehicle incurred with our written consent. If the insured vehicle is damaged beyond economical repair we will arrange for it to be stored safely at premises of our choosing. You should remove your personal belongings from the insured vehicle before it is collected from you. In the event of a claim being made under the policy we have the right to remove the insured vehicle to an alternative repairer, place of safety or make our own arrangments for re-delivery at any time in order to keep the cost of the claim to a minimum     I do about 20-25000 miles a year with the work I do, I have been getting quotes and putting that I have now have one accident and no no claims bonus and the cheap quotes from similar companies to markerstudy are more than double what i paid last year at 8-900 and aviva is offering 2600 which is simply out of my price range and more than the car i am looking at.  I am starting to wonder if it is even worth going ahead with the claim as i have no one to claim from. I have had no information from any of the enquiries I have made.  I have a full tank of vpower diesel in the car in the impound, i can strip it for parts and probably make what I will be offered by the insurance payout and get the money quicker.  As I have made contact and started the process can I back out, still keep my NCB and a claim free history? Also what happens with my injuries? I don't think there is any permanent damage but my dr refused to see me and just gave me a boat load of naproxen and codeine. What happens in the future if things don't get better and I cancelled this claim? Can you claim injuries off your own insurance because the other guy ran and you cant find him? I have tried to ask these questions off markerstudy but they keep me waiting for nearly an hour then end the call.    Thank you for your time and help.  It is really appreciated.  I am quite honestly on the floor, I have been really ill, in hospital, had nearly 6 months off work and only been back full time a few weeks and now this.  The fact the company you pay large sums of money to look after you in a time of need is also behaving criminally just makes you want to give up.    
    • ffc1991_
      Driving disqualification through x2 MS90 was unaware of - failure to identify but not the org speeding? sent Statutory Declaration to the court? - help

      By ffc1991_ · Posted

      Thanks for the response. Am I able to send you the documents I’ve received or can you message via instant message and I’ll send these? Reece

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

MBNA & Abbey cc, full and final settlement advice.

kb_ba1

By kb_ba1
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susiemac77

susiemac77

Posted
Posted

Hi KB

 

Like Jane said, its all automated. I got exactly the same email from "customer services", I was told to ignore it

 

I would do what I did and tell them its an ex gratia settlement because you're fed up dealing with it, tell them they have no possible need for you financial details and. tell them you want to settle and ask for a definate settlement agreement by email and that until you have that you have nothing else to say to them

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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kb_ba1

kb_ba1

Posted
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Posted

Thanks susiemac. I understand the automation system and to be honest even if they do default me my credit rating is screwed anyway so not sure it would make a whole lot of difference.

 

Ok then, think I will drop them another line stating my choice is the settlement offer not the reduced payment plan. That I will provide no further financial details as for a definate arrangement and get the money to them by the end of the month and hopefully I'll get a good nights sleep at the end of it.

 

Am just a bit worried about upsetting them and ruining any chance I may have... But will have a think of how I'm going to word the email later on tonight.

 

Thanks again!

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kb_ba1

kb_ba1

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Would someone be willing to read over my email to MBNA before I send it? Not sure I should post it here or PM it for opinions. But as always any help/comments are very much appreciated!

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kb_ba1

kb_ba1

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Okey dokey just going to post my reply and what you guys think. Chances are my it's a settlement or going bankrupt. I'd even struggle to pay reduced payments at them moment as I often run out of cash two weeks after getting paid. So basically I think it's this or nothing. Anyway, would love to hear what you think!

 

I am contacting you to ask why you need further financial information. As I have said I would like to go forward with a settlement, not reduced payments plan. I would like to receive a definite arrangement and can provide you with the funds of £4100 within 28days. This is an ex graita payment so you should have no need for my financial details.

 

A settlement is the way I wish to proceed and due to my current financial situation it’s likely I will need to go down the bankruptcy route. As a result MBNA would receive nothing, I do not want this to be the case. As I have said before I am not denying my debt and at least through a settlement the company still receives a payment.

 

Please provide me with a definite settlement via email or post and the funds will be paid to you.

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omega42

omega42

Posted
Posted

why not just give them your income expendure from what ur saying it clearly shows that u cant afford a payment arraingment to them so it will only cement the decision for them to settle the account. at this point they have probley already done a credit search so they will know what debts u have

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the_shadow

the_shadow

Posted
Posted
why not just give them your income expendure from what ur saying it clearly shows that u cant afford a payment arraingment to them so it will only cement the decision for them to settle the account. at this point they have probley already done a credit search so they will know what debts u have

 

Hmm three post's all about I&E's to MBNA to help MBNA make decisions... fraid I'm suspicious in nature...

 

S.

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kb_ba1

kb_ba1

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why not just give them your income expendure from what ur saying it clearly shows that u cant afford a payment arraingment to them so it will only cement the decision for them to settle the account. at this point they have probley already done a credit search so they will know what debts u have

 

and if that's the case why would they keep asking the total of my debts???

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omega42

omega42

Posted
Posted
Hmm three post's all about I&E's to MBNA to help MBNA make decisions... fraid I'm suspicious in nature...

 

S.

 

 

I dont have any debt but my mum did have a card with mbna and when she lost her job she asked me to deal with them for her, In the end I managed to get a settlement for her but it took months going back and forward asking for this and that that she didnt want to provide.

 

In the end after I gave them what they wanted I got it sorted within a week.

 

your right 3 posts about i&e's all to the same person that is talking about providing i&e in his post (what else you want me to post about????)

 

I joined tis forum few years ago when mum was having problems and just came accross it again few wks ago.

 

Most people here seem more interested in trying to make thinks as complacated as possible for people concerned

 

The OP has been made an offer of settlement why try and complacate thinks and drag it out. My mum saved 3K buy taking their offer

 

OP its my opion and from experence to deal with this as quickly as possible so you dont have to continue with them as a company but and the end of the day its ur decision.

 

To shadow -- if you get suspisous at people whose opions differ from yours then maybe mbna isnt ur bigest problem in life

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MisterV

MisterV

Posted
Posted

Really interesting thread, started reading earlier and was hoping youd have got a successful outcome with an acceptable F&F offer.

I owe approx 10k to MNBA and like a few people had a phone call some months ago where they were prepared to accept 4k, but would not accept it as F&F, but as partially settled. I declined this as I couldnt raise they money at the time anyway and was more optimistic in winning a court case over my CCA.

As time passes i become less optimistic and am more willing to go down the F&F route. For all the wrongdoing and underhand tactics these companies employ, are there any real success stories where people have gone into court and won? I dont want to be a pessimist but the reality is, chances of winning in court with a sympathetic judge appear to be slim.

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Jim Pike

Jim Pike

Posted
Posted

Hi kb_ba1

 

I have settled with mbna/A&L with a full & final that was classed as partial settlement, it was 25% of what I owed. not negotiated by myself, but a result of me ignoring all other letters of threats and offers of reduced settlement.

I then answered a call from one of their agents who didn't ask for money or income & expenditure etc, just pointed out to me that the account was about to default as they do in appx 6 months, he then sugested that I could pay a one off payment (which was actually 3 payments over 2 months) which would be classed as partially settled and result in a default on my credit file for 6 years but would show as balance £000.

Well my credit is stuffed anyway, so I was not concerned about the default.

Some people on these forums are saying that they might sell the remainder of the debt to DCA's Well the wording of their letters are not the best but if that was to happen do you not think the people that it happens to would scream and shout on these forums, cos I would.

In my case it all came about by not paying them anything and ignoring letters.

I have since received a similar letter ( allthough better worded ) from LLOYDS or rather their inhouse DCA's This one I have ignored as they are asking for too much I think about 40%, they have already told me they don't have a credit agreement ( bad luck for them ) but I may be prepared to make an offer when I have sorted out some of the others.

Total debt before partial settlement with mbna was hitting £60,000 so if I can reduce all or most by partial settlement of around 25/30% I will feel quite happy.

Hope you sort yours out kb_ba1

Good Luck

Jim

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Talbot

Talbot

Posted
Posted

wow jim 60k reduced to 25% good stuff, going through similar myself just waiting for the letter however didn't ask if they still default you but they obviously do. i read somewhere a cagger who was registered with experian sent them the partila settlement letter and they took off the bad credit rating. i will try to find the thread.

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

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Jim Pike

Jim Pike

Posted
Posted

Hi talbot,

Sorry my post was a bit misleading, the £60,000 is total debt spread accross 8 creditors. mbna was only £8k. what I meant to say is that I am hoping to pay them all off eventually at appx 25% of the debt, then I shall be happy.

I was really trying to illustrate that kb_ba1 shouldn't be making f & f offers but should wait until mbna makes the offer at a rate that kb_ba1 is happy with or can afford to pay.

Regards

Jim

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kb_ba1

kb_ba1

Posted
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Posted

Thanks to Jim, Mister V and Talbot for your posts. Made for some interesting reading.

I'm just waiting to hear back from MBNA now and am hoping they will except my offer. It's no less than they would get if they sold the debt on so it's probably in their favour to settle with me.

I'll keep you all posted.

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kb_ba1

kb_ba1

Posted
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Reply via email... Any thoughts before I send one back?

 

When discussing options of Short Settlements we need to know the total amount of Credits to whom you owe money too.

If I do not receive this information I can not move forward with the request of your offer for short settling this account, which would need to be agreed by my Director.

 

Thanks!

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susiemac77

susiemac77

Posted
Posted

They didn't insist on that with me

 

Sorry but cant remember from earlier in your post, have the provided you with a credit agreement? Is you account in dispute

 

They hadnt provided me with any agreement and I reminded of them of that when I made my settlement offer and made it clear it was an ex gratia payment to make it go away, so think they havent got an agreement and where taking what they could get from me

mbna - no agreement provided - settled for 31% of balance!

halifax - no enforceable agreement - account held

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kb_ba1

kb_ba1

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They have provided me with an 'agreement'. Not that I'm 100% it's enforcable but if it ever did reach court the judge would probably pass it. The account did end up in dispute but the threats etc. continued regardless of course!

 

Think I will just have to give them what they want and hope for the best.

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kb_ba1

kb_ba1

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Have sent over details of my other debts, which thankfully are minimal in comparison. But I know they won't budge unless I give it to them. Just hoping they will still go for my offer. I'm starting to think they won't now...

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landy_alert

landy_alert

Posted
Posted
Have sent over details of my other debts, which thankfully are minimal in comparison. But I know they won't budge unless I give it to them. Just hoping they will still go for my offer. I'm starting to think they won't now...

 

 

I'm keeping my fingers crossed that you get it sorted out very soon, kb_ba1:)

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