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    • A further suggestion -     Dear Will & John.   I must admit I was in awe of receiving a letter from your esteemed law firm thinking what have I done to deserve such an honour. Perhaps you have discovered a long lost relative has left me a fortune in a will and I could give up work to pursue my love of goat farming using the money to set up a small holding in the outer Hebrides producing fine cheese and goat hair sweaters. Alas no! In bold letters it stated Letter before action almost if one had to get ready for battle and my power ranger pyjamas will have to be on a boil wash first before I can even think about action. Anyway I digress after further research I discovered this is in relation to some parking shenanigans of which I have no knowledge and for a place I've never been to, so as the Private Parking world's best solicitors you should be aware, I know that you know a case isn't going anywhere on the facts as presented. I may add that that not all is lost, as I used your letter to line the cat litter tray. Mr wiggles is most pleased with his firm and absorbent lining beaming happily away as he does his cat business before securing a warm spot in front of the fire as we sit down to watch cash in the attic. Good luck with the soliciting business I hear it can be quite lucrative. P.S – it is uncle Herbert who apparently left a fortune so if you do come across him please let me know…   COPIED TO MINSTER BAYWATCH     Send the letter to Gladstones tomorrow and also invest in a second 2nd class stamp and send a copy to Minster Baywatch.  Get two free Certificates of Posting.  This is because Gladdys have a lot of previous for egging on their clients to start court cases, even though their cases were pants and they were bound to lose, after all it's still £££££ for Will & John.  Let the PPC know too that the only result of a court case will be a massive tonking that will cost them dearly.
    • It is you right to demand all comms by letter only   if you wish to reply. simply state you have failed to give me your banking details i will not be paying by dd sorry.   should you wish my payment proposals to start please supply them. should you fail to do so, i will take this matter to the relevant authorities that govern you   YOu are reminded it is my right to request comms in writing only.   Dx
    • Good news.  They haven't bothered to send the authorisations you asked for, so in your WS later you can say you believe they don't have them.   EDIT  Indeed in your defence now you can state that you believe the claimant doesn't possess important authorisations.
    • Many thanks for your reply @dx100uk    Will begin the ppc cpr 31:14 to DCB and scan everything when I’m home later. Do I just post onto here?    Amounts;     AND THE CLAIMANT CLAIMS 1. £480 being the total of the PCN(s) and damages. 2. Interest at a rate of 8% per annum pursuant to s.69 of the County Courts Act 1984 from the date hereof at a daily rate of £0.11 until judgement or sooner payment. 3. Costs and court fees.      What is the value of the claim?   Amount Claimed 625.00 court fees 60.00 legal rep fees 70.00 Total Amount 755.00  
    • Ok no probs thanks for help with this this is where Ive got to so far - total claimable £608.55                       Claim From: 14/12/2009         Total   £608.55                     Claim To:   26/01/2021                                                       Date of Charge Description Amount of Charge Number of Days Elapsed Interest at 8% Simple                     14/12/2009 charges £321.40 4061 £287.15    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

MBNA debt bought by Link - don't know what to do - can anyone help please?


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Hopefully someone will confirm if it's the case.

 

 

In my opinion yes.

 

MBNA have been known to argue this point, however, they have sold the account to a debt collector that cannot operate credit cards, therefor it would be pure fiction to say the account is not terminated.

 

David

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