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    • twill be even better tonight and already the KP is predicted further south than last night. incredible pictures from canada and australia on glendale . so big to me it was out of view to ne camera. gonna try a drone tonight too. dx
    • n244 is the imp one please we need everything inc exhibits but not statements. dx
    • the first dn was void as it only gave 14 days not accounting for postage time so you didnt get it with 14 days remaining hence the 2019 one. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] .............. there is not harm in filing our DN late SB defence now too. alternative whereby claimant intimates SB date=defaulted date and that has been registered months after the last payment . 1 The Claimant's claim was issued on dd/mm/yyyy.  2.The date last payment made was the dd/mm/yyyy   3.The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.  4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.  5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied. dx  
    • Just a quick note to thank you for the reminder. Me and Mrs Mycathasfleas found a use for an exercise mat and lay on our backs watching it. 
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Loz and MBNA


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I just had a message left from a Sue Jones at MBNA, wanting me to call her back regarding my letter(s). I wonder if this is about the PPI or getting my payment date put back a few days... and more charges :rolleyes:

 

Hi Loz

 

I hope they aren't still charging you when they haven't provided an agreement to prove you agreed to charges :o I would be writing to complain if they are.

 

If you're ringing, be cautious, unless of course you can record calls ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi Hopeful1

Their response to my CCA request is here: http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-398.html#post989064

 

The only definite thing I could pick up on from it was the lack of reference to PPI... I have complained about that (now with the FOS) and also made repeated complaints about their late fees. In my most recent complaint I pointed out (again) that some time ago they brought forward my payment date so that it fell before pay day, and requested that they put it back so that I can pay my bill and not have to keep requesting refunds of late fees.

FWIW I'm not ringing her back, I hate phones and like a good CAGger want everything in writing :p

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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I have a letter from MBNA this morning - they have had another think after the FOS wrote to them about the PPI.

Following a further review, I would like to confirm that we will be refunding all Payment Protection Cover charges to the above account. This will cover the period from 12 February 2005 to 3 August 2006, and will include any associated interest charges. The refunds will show as credits on your April 2008 statement.

This should be about £220 and while it would be good to reduce the £2k balance on this card, could I ask them for a cheque so I can get another creditor off my back?

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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I have a letter from MBNA this morning - they have had another think after the FOS wrote to them about the PPI.

 

This should be about £220 and while it would be good to reduce the £2k balance on this card, could I ask them for a cheque so I can get another creditor off my back?

 

Loz

 

 

When FOS won my Egg claim, i signed the acceptance form and added a note to say i wished the money to be refunded in the form of a cheque made payable to me - they did!

 

There's never any harm in asking ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I haven't yet heard back from the FOS, does this matter? And you're right, I should ask for a cheque. As I just said on another thread of mine, shy bairns get nowt :p

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

I wrote to MBNA saying that I was willing to accept their offer but stating that I wanted a cheque so that I could distibute the money between creditors. They have credited the ~£250 to my account regardless, and I can guarantee that it will not count towards my monthly payment. Is there anything I can do?

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

I wrote again last week to ask for this refund by cheque, and just received an email from Sue Jones - apologising for not having received my previous letter and agreeing to send me a cheque. Result on the PPI! :D

 

As for the charges (again!) and my request to change my payment date, they are on their last chance before I escalate that particular complaint...

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

Received and banked my cheque at last! :D

 

Before I close this with the FOS however, I think I need to ask for an explanation why MBNA have just told me my new APR is 36% :eek:

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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About 29 I think, hard to say since they only give a monthly rate on statements...

 

It was 15/16% when I first got the card :(

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

Just to round up one more matter on this thread, they have agreed to refund me another £60 of charges and at long last have put my payment date back so that it falls after pay day. I hope this is the last time I will have to complain about their "late fee"...

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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No reply yet, took me a little while to get the letter written...

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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  • 2 weeks later...

Quel surprise...

A letter from the "customer retention department" regretting that they are unable to review the rate of interest on my account, and that it is a "fair price for the product and service". Yeah right.

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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Quel surprise...

A letter from the "customer retention department" regretting that they are unable to review the rate of interest on my account, and that it is a "fair price for the product and service". Yeah right.

 

Well, if nothing else they're consistent - i do think they actually believe their propaganda.

 

Well done, by the way Loz, for sticking with it. Regaining your charges and changing the payment date? Good work ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Thanks hopeful :)

This letter about the rate rise basically says that their decision is based on things like the way an account is managed, number of late payments, etc. In other words, if it looks like you have been struggling with your finances, they decide to make things worse. Would the FSA or OFT be interested in this behaviour I wonder..?

 

Loz

I hate Alliance + Leicester

BT: No longer a customer :)

HSBC: £1222 refunded 28/5/06; Second claim of £737-24 refunded 9/11/06; PPI + interest on personal loan refunded 27/7/08

MBNA: £100 refunded on first claim of £112; £208 refunded on second claim for £108 24/9/07; PPI £256-28 refunded 8/4/08

NatWest: £1581-71 refunded 16/12/06; personal loan CCA agreement not provided

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