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


  • Tweets

  • Posts

    • Seven77
      Caught fare evasion in tube station

      By Seven77 · Posted

      Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • lookinforinfo
      NPE ANPR PCN - No Permit - Locton Estate, London, E3 2LP

      By lookinforinfo · Posted

      You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • BankFodder
      Recording audio in health conversations

      By BankFodder · Posted

      I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • student145
      sent debt by bwlegal for over £3000

      By student145 · Posted

      I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • dx100uk
      Recording audio in health conversations

      By dx100uk · Posted

      cant do either if its not in a public place or on your land. dx  

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Have MBNA/Link Mucked Up???

joemay

By joemay
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5201 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

joemay

joemay

Posted
Posted

Not sure what it is I'm trying to find out, I'm a newbie, but no doubt will be learning an awful lot along the way.

 

OH Rec'd default notice dated 6th March, from MBNA, they have stated have until 23rd March, if not settled will pass on for further action. Am I right in thinking that they have to give 14 working days and 2 days for postage???

 

Rec'd letter from Link dated 26th March stating they are new owner (assuming this is Notice of Assignment?), but then state it was assigned of 20th March??? These dates don't match up with MBNA dates, it's been sold/assigned to early.:confused:

 

Is this a breach of something and if so how does it assist my OH?

 

Have already sent CCA request.

 

Look forward to your responses.

Link to post
Share on other sites
  • Replies 92
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

joemay

joemay

Posted
  • Author
Posted
What date did you send the CCA request?

 

 

 

Regards

 

David

 

Sent it 31/3/08 to Link - after receipt of their letter and finding CAG! Why does that change anything?

Link to post
Share on other sites
joemay

joemay

Posted
  • Author
Posted

I need some advise. Have copied this quote from a thread that is similar to my situation

 

"The reason DN are so important is that its a requirement to end the credit agreement than a proper default notice is served prior to termination. If the default notice is invalid i.e. not enough time to rectify the fault then the termination becomes invalid, this reduces the right of the OC to just the money due at the time of the default notice, i.e. only the arrears become payable, they lose the right to the balance as they have terminated the agreement invalidly."

 

"The letter implies that Link have purchased the debt from MBNA. As to the selling a debt prior to the default notice expiring that seems to me to be a serious breach."

 

Please can someone advise, am new to this and starting to think i'm a little thick

 

Thanks

Link to post
Share on other sites
Gazza112

Gazza112

Posted
Posted

Hi joemay

 

Firstly don't panic and stay calm.

Did you save the enverlope that your default came in.

If so did it come 1st or 2nd class post.

Can you scan & post the default without your personal details, so other Caggers can have a look at it.

 

Gaz

Link to post
Share on other sites
joemay

joemay

Posted
  • Author
Posted
Hi joemay

 

Firstly don't panic and stay calm.

Did you save the enverlope that your default came in.

If so did it come 1st or 2nd class post.

Can you scan & post the default without your personal details, so other Caggers can have a look at it.

 

Gaz

 

Hi Gaz,

Thanks for responding. I haven't saved the envelope, not sure if it was 1st or 2nd class, is this important?

Not sure how to post on here:???: Can you tell me how plz.

Thanks:)

Link to post
Share on other sites
Gazza112

Gazza112

Posted
Posted
Hi Gaz,

Thanks for responding. I haven't saved the envelope, not sure if it was 1st or 2nd class, is this important?

Not sure how to post on here:???: Can you tell me how plz.

Thanks:)

 

 

Hi joemay

 

Yes, its inportant to save all enverlopes as this will determine if they sent it first or second class post.

2 working days for first and 4 working days for second class poat.

If you write to them do not sign any letters.

 

Gaz

Link to post
Share on other sites
joemay

joemay

Posted
  • Author
Posted
Hi joemay

 

Yes, its inportant to save all enverlopes as this will determine if they sent it first or second class post.

2 working days for first and 4 working days for second class poat.

If you write to them do not sign any letters.

 

Gaz

 

OK thank you. But can you tell me if the 12+2 days is working days or does it include weekends?

 

Also am having trouble posting the letters for you to view.

Link to post
Share on other sites
never-in-doubt

never-in-doubt

Posted
Posted (edited)
OK thank you. But can you tell me if the 12+2 days is working days or does it include weekends?

 

Also am having trouble posting the letters for you to view.

 

Its days - 14 days (2 weeks)

 

If you have the images scanned on your pc then go to something like photobucket or imageshack and upload them there and copy the image link and post it here, link should look like this:

 

http: / / _img10.imageshack.us/my.php?image=greylogoaby.png

 

Image embedded looks like this:

 

greylogoaby.png

 

 

To embed the image just select the Forum code once you upload the images and paste it here.

Edited by never-in-doubt

Stick to Facts ------ Facts don't Lie

:|

Link to post
Share on other sites
joemay

joemay

Posted
  • Author
Posted
Hi Joemay :)

Have you been able to scan the letters onto your computer?

Elsa X

 

Hi Elsa,

Yes have scanned and removed personal details, but not sure how get it posted on here?:oops:

Link to post
Share on other sites
never-in-doubt

never-in-doubt

Posted
Posted

:D

Hi Elsa,

Yes have scanned and removed personal details, but not sure how get it posted on here?:oops:

 

Look at above post.... here is imageshack: ImageShack® - Image Hosting

 

if you use this simply click browse, look for images on your PC and double click the image you want to upload. then at the drop down box select resize image (640x480 message boards) and then click start upload.

 

Once loaded click the image and a new window opens just copy the address and drop it in a post here and we'll see the image. Thats the easiest beginners way :D

Stick to Facts ------ Facts don't Lie

:|

Link to post
Share on other sites
Undercover-Elsa

Undercover-Elsa

Posted
Posted

Hokey.. you need to go to Image hosting, free photo sharing & video sharing at Photobucket and sign up for a free account. Don't use your real name. It doesn't take long.

Then you can upload your letters there, copy the link and paste it into your reply on here.

There's other ways but that's probably easiest and they are easy to read.

Elsa x

Link to post
Share on other sites
never-in-doubt

never-in-doubt

Posted
Posted
Hokey.. you need to go to Image hosting, free photo sharing & video sharing at Photobucket and sign up for a free account. Don't use your real name. It doesn't take long.

Then you can upload your letters there, copy the link and paste it into your reply on here.

There's other ways but that's probably easiest and they are easy to read.

Elsa x

 

Photobucket is a join one, imageshack is instant with no sign-up......

Stick to Facts ------ Facts don't Lie

:|

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...