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    • Wait until you get a refund from the purchaser before accepting anything else. Please will you post up the text of the email that you received.  Make sure that you look after the text that you received from the purchaser
    • I’ve just received a letter from a debt collection agency called Intrum about an old Halifax credit card debt, they have never been in touch before and the letter says that because I have failed to contact them they are passing on to a company called Resolvecall who specialise in home visits. This debt is from about 14 years ago when I got into some financial trouble, I had a default on file but that dropped off around 4 years ago. Is there anything I can do with this as I don’t really want people coming to my house, thanks in advance? 
    • Just wanted to check if anyone knows, I'm in the process of retrieving the transcript. There was no time frame given in the appeal judges directions, does this mean none applies or is there an unwritten timeframe that applies as a default for these things? 
    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
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Mbna CCA,


Indebt1
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had a letter today, and it went like this.... our initial investigations show that you are a homeowner as such we may pursue litigstion and seek a ccj that may result in a charging order ect........

do i answer this? "i am suprised that you send this letter while you have still not conformed with my CCA request under section 78 as the cca supplied was not legible as you yourself wrote to me dated......

 

or ignore this??

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bit of info: they have been known to send a copy of the deeds and stuff which is nice but remember they have to take you to court first have whatever agreed by the court THEN if you don't comply they take you back to court and can ONLY then apply for a charging order.

 

...this is as far as i know...some people on here are more experts than me but i think its to scare you. What for confirmation from someone else but i would ignore it.

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

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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I am today responding to a 'General Form of Order or Judgement'

 

And if you look at my thread, yours looks awesome quality in comparison! I didnt even get the T&Cs!!!

 

Still not sure where to go. Ive just rang their solicitor and made an offer, as Im sstill not sure how it would pan out if it did go to court! :(

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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  • 2 weeks later...

i recieved a letter from MBNA stating that a default is about to be registerd on my account in the next few days, when this is registred the debt will be sold on blah blah blah

i have however not recieved a DN all i have recieved is a notice of sum in arrears.

is this a ploy to scare me? or do i need to call to request a copy??

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Do you owe debts to anybody else that you are struggling to meet too? I was just wondering by going into a Debt Management plan (I'm with Payplan) this was the way I got my interest frozen on all my cards then at least what tokens of payments are made do eat away at the debt & not interest too.

 

Suffice to say MBNA have never been accepting of my £20 a month payments always wanting more (unlike other C/cards) and eventually defaulted me in Jan this year 8mths on into the DMP then took me to court in July which I'm still battling on with now.

 

I think the judge in my case looked favourably on my side on the day tho due to the fact I had still been paying them until the court case so I showed willing. I also showed a letter from Dec to MBNA in trying to come to an agreement of settling the debt (all being 25-35% of the amount outstanding), again it showed I had tried to come to an agreement with them. Maybe you could do a letter of this kind along the lines of

 

you may be in a position if funds were available of £xx.xx which represents 35% off the outstanding balance and is all that you can propose.

This offer is made on the clear understanding that if accepted, both you or any associate company will not take any further action to enforce or pursue this debt any further and I will be released from any liability.

 

I also request, that if accepted, you will mark any entry on a credit reference agency file relating to the above account as “satisfied” in full.

 

 

Once the DN takes place thats usually when the ball gets rolling from MBNA in my experience.:roll:

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at this moment in time i am fighting them on the basis of them stating that they themselves apologise for not having a fully legible copy of the cca,however i have not recieved any copy of the DN so the question remains is this letter a ploy to get me to call?

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  • 3 weeks later...

Have recieved a letter from MBNA giving me a last chance to call before the debt is written off as a bad debt which means Solicitor/dca....., is this just another ploy for me to call? is this the time to call and try and make settlement based on not having a clear cca even according to their admission?

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Hi Indebt1, subbed to your thread and if you look at mine you'll see that they send out the same to everyone. In my opinion , it's better to fight on and let them trip over themselves as they have a regular habit of doing.

http://www.consumeractiongroup.co.uk/forum/mbna/193233-mbna-aegis-no-cca.html

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What about a call explaining that i am in severe financial difficulty, but i hav someone who has agreed to help reduce the debt (mother).

so say i owe 7k.

my offer is freeze the interest and i would offer to repay 5k over 12 months with the rest written of or my other option at this stage is IVA would that be a threat? or a good offer at this moment in time?

do i endanger anything by trying?

 

Did you ever send a letter along the posting #60 I mentioned with regards to your quote above? Just wondered as at least it may look like you tried to negotiate (all being at a low %) if it eventually does get to the judge stage.

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  • 2 weeks later...

xofew8.jpg[/img]Hi All

 

This is a new one recived only yesterday but dated 9th Oct, not sure if its to do with the post or the postal method.

the envelope reads UK mail and the service is possibly S?

 

anwyway looking at this is it a legit DN can i fight it? they have not complied with the cca request fully as they have admitted that its not entirley legiblle? any advise is apriciated.

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I've had the same with the same dates. There is a problem with 'Paragraph 8f' if it didn't exist on your 'agreement' as in my case. If it is UK mail then I believe it is treated as equivalent to second class so they have not allowed enough time. Think I'm right, but I'm sure someone else will confirm.

Exchange

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Indebt1, so I make that 13 days. My problem is I am not in the UK so no idea what they are supposed to allow or if there are even any rules for my circumstances.

Not trying to hijack, I do have this all on my own thread too!

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looking at my CCA can anybody show me the same as i cant find this in the libary or anywhere on line, it is a 1999 document but doesnt match anything anywhere.

i am just wondering if it has been doctored to such a way that it no longer relates to any forms?

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On my posting #105 on my thread mine was a priority request form from the year 2000, either way your CCA like mine is missing the prescribed terms so I shouldnt worry about it if I was you. Like you said though, it would be nice for you to see a similar 1999 application form though to see if anythings been fudged on yours eh???

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