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    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
    • I have amended the pdf documents  02-20-2020-10_36.24(1).pdf
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Glenn UK

Glenn Vs MBNA ** SETTLED **

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hello all....

 

Reading your threads are very inspirational. I am ready to send out some S.A.R. letters to Barclays Bank and MBNA. But I could not found MBNA's post address on the bank details. Can anyone give me a hand.....thank you very much.

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I've used

 

Paul Minney - Customer Advocate Office

MBNA Europe Limited

Stansfield House

Chester Business Park

Wrexham Road

Chester

CH4 9QQ

 

Good luck :)


NatWest Bank charges

01/10/06 S.A.R - (Subject Access Request) sent

06/10/06 Statements arrived

17/10/06 Prelim letter sent claiming £929

23/10/06 Bog off letter received

25/10/06 LBA sent

01/11/06 Second bog off letter received

 

MBNA Credit Card

17/10/06 S.A.R - (Subject Access Request) + £10 cheque sent

26/10/06 Letter telling me they will respond by Nov 16th

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HI Steven baily is the head guy if u want to send it to him.

 

good luck Rob


HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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The SAr should be sent to the Data controller specifically, i dont know the individuals name but this is the post you should use as the address to send it to.

 

HTH

 

Glenn


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I have had calls from MBNA and I found them to be rude and they talk to you like a second class citizen. They called for a payment which I had made online by switch. When I informed the girl of this she more or less called me a liar. Then she checked her system and she said that the payment had not come through yet, but I know this to be false, as the payment was made by switch. Funny thing is that she changed her tune after she had checked and left it at that. I complained about their tactics via the web site.

 

Does anyone know the legalities of company's passing accounts on to other banks?

 

Ritchieoz

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I have just received a letter from MBNA this morning (Rachel Claridge) offering me a Goodwill payment of £160 which is less than half of what was charged (£362.00 in total charges) and included in the letter was the usual chat about charges are fair and is part of my agreement. I know that I can now sent the LBA letter requesting full payment but how do I calculate the compound interest on £362?. Also, is it best to send an email or ring them.

 

I would appreciate any help as your thread has given me confidence in getting back my charges.

Kind regards

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if you go to the vampires spreadsheet and choose which country and whether you wish to calculate compound interest, put into it the rate of 22.9% and then each date down left in american format, then the details of the charge and do one line for each one. the total you have paid will be down the bottom and the interest earned will be at the top. add those together and include these details back to MBNA saying this is your LBA, then phone in a week and speak with either paul miney or colin pugh and say youwant to settle the claim. they will check your figures and may come up with more, they will recalculate and then they will phone back with thier generous offer. that is waht phappened to em and MBNA are doimg the right thing. so go for it

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Thanks bandonbhoy

Can you guide me to the VAMPIRES spreadsheet.

Thanks

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Nancies

 

Before you even consider ringing them make sure you know exactly what you are entitled to.

 

They wont necessarily tell you the whole story and you may loose out if you dont know exactly what you want to settle.

 

MBNA are not doing the right thing as is being said, they are settling to save themselves money and if that means they can reduce what they pay you it is a benifit to them.

 

They are not being kind.

 

If they offer you more than you expect its because you are entitled to more but haven't realised it. chances are they will offer more than you ask but in truth you will probably be entitled to more.

 

Read the thread linked in my signature to make sure you get what you should.

 

Glenn

 

PS any questions drop me a pm or post in here


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Did you tell nancie where to go for spreadsheets? As to my settlement, Colin took my submitted spreadsheet. then from the interest payemts that had been taken from my account, he worked out the component of that due to charges interest and similarly for both retail and cash transactions, using the compound rate of 22.9%. When I took out the card the similar rate was 16.9% and it hs fluctuated over a range of values. Now it is at 26.9%. If you want to take each single entry and then calculate the prevailing rate for each, then you are correct, but I would suspect that you would not be closer than a tolerance of + or - 10% of what was paid.

 

Nancie, go to Consumer Action Group at top of page, click on, then go down to template and click on again, then scroll fdown to spreadsheets and I think it say they are imported, click again. Youw will get a message and within it you will see Vampiress with her name underlined, click again. You will then be directed to a Google web page where you need to log in giving your email address and password. Once this is done you will get the selection of differnt spreadsheets for credit cards and banks in england and scotland. Youhave another choice, either with compound interest or not. Choose which you want, and a new window will open up shoeing you a spreadsheet that you have chosen. There are instrcutions on this page, read those carefully., then at File on top left of spreadsheet and not at the very top of computer, click again and you scroll down to copy this spreadsheet. You can see it ebing copied through the bar at the bottom. At top of page there will be small window showing copied. Once the spreadsheethas copied, you can click on name and type in yours and then scroll down putting in the other details as needed. Whatever interest rate you are going to use, ttpe in. Best of luck

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Did you tell nancie where to go for spreadsheets? As to my settlement, Colin took my submitted spreadsheet. then from the interest payemts that had been taken from my account, he worked out the component of that due to charges interest and similarly for both retail and cash transactions, using the compound rate of 22.9%. When I took out the card the similar rate was 16.9% and it hs fluctuated over a range of values. Now it is at 26.9%. If you want to take each single entry and then calculate the prevailing rate for each, then you are correct, but I would suspect that you would not be closer than a tolerance of + or - 10% of what was paid.

 

 

So for illustration purposes you can claim the charges, plus the interest paid, then on top of this ,i claimed contractual interest on each charge and the interest i had paid.

 

 

I also claimed all my costs for the S.A.R - (Subject Access Request), postage, cost of writing the letters.

 

If this is what you end up with and MBNA are calculating all this then thats fine, if they aren't, and they didn't for me nor anyone else i have seen post yet, then you are loosing out.

 

HTH

 

Glenn


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I got back contractual interest.

That reminds me I must send letter to the court to withdraw claim..... :)

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Got another letter this morning agreeing to pay me back the PPI, sicne I didnt have ajob when took card out, and it should not have applied to me. They said that their records indicated that I had opted for PPI. Don't think so. Will writeand ask them for the copy of the paperwork:smile:

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Read you post with interest. I'm currently submitting my N1 against Abbey. However, am now thinking about going after MBNA after that. As you know, MBNA is used by several 'front' companies (Virgin, etc). Therefore, do I need to contact each 'front' company to get details of charges or do you think I can go straight to MBNA direct?


Abbey recovered £817 -Jan 07

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Thanks Glenn its been really interesting reading this thread I am still waiting for my statements from MBNA got the stantard letter etc so 20 dyas left for them to comply with my DPA requet

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Thanks all for you ongoing help. Does anybody have an email address for Paul Miney.

THanks

Nancies

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Give him a phone. I think you may be encouraged by his response

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So for illustration purposes you can claim the charges, plus the interest paid, then on top of this ,i claimed contractual interest on each charge and the interest i had paid.

 

 

I also claimed all my costs for the S.A.R - (Subject Access Request), postage, cost of writing the letters.

 

If this is what you end up with and MBNA are calculating all this then thats fine, if they aren't, and they didn't for me nor anyone else i have seen post yet, then you are loosing out.

 

HTH

 

Glenn

Glenn sorry to interject but im being really thick here have spoken toPaul Miney@ mbna and have so fare received £895 back on charges but said that if i want to claim charges then i have to write to them seperatelyto get the interest back on the charges. He also told me that the compounded and contractual interest is all in together so if i claim the charges i cant claim as contractual and compounded interest as there is no such thing its all worked out together... im really confused i want to claim back the interest and the cost of my time and effort recovering everthing from them but not sure what or how to write the letter now as ive got some back, can you help please ? Sandra:-)

1st letter to Abbey requesting statements 10/08/06

Reply from Abbey..Sorry on Microfiche..cant do 18/08/06

2nd letter to Abbey Microfiche argument letter R/D 23/08/06

Received 16 Statements from Abbey 23/0806

Reply from Abbey.. enclosed complaints leaflet 2/08/06

Phone call from abbey Re my account 20.55hrs 5/09/06

Letter to MBNA requesting statements 6/9/06

Sent off Data Protection Act letter to MBNA 2/10/06

Sent off Non Compliance letter to P Speed 3/10/06

Cover letter & 5yrs statements received 9/10/06

Received letter from MBNA saying they had reduced limit 9/10/06

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Sandra

Its all part of MBNAs ploy to stop you claiming back what you are entitled to and unless people ringing know the language they will get confused and loose out.

 

You paid some charges which were unlawful and you can claim those back, they are late payment fees, excess overdraft fees stuff like that.

 

When you pay those fees it impacts on the interest you have to pay MBNA. So because you have paid that interest you can claim that back. MBNA charge that interest according to the terms and conditions and apply the contractual rate of interest, in my case it was 16.9% compounded, so in other words you have already paid interest and are entitled to that back too.

 

Then because you are forced to sue them to get back what you have actually paid you can ask for interest because they have taken your money unlawfully.

 

You can either apply the contractual rate of interest or claim sec 69 interest on everything you have paid.

 

 

Think of it this way, they have taken your money and had the use of it and earned interest on it, they have reinvested it and earned interest on the interest as well. You on the other hand have incurred losses and lost opportunities and may even have had to take further loans to cover for the money they unlawfully took from your account.

 

So you are entitled to claim for the lost opportunity and their unjust enrichment, the effect is that you charge them the contractual rate of interest on the lot.

 

HTH

 

Glenn

 

 

PS if anything is not clear then ask, MBNA are serving their own needs not those of customers, as far as i can make out nearly every person who has phoned and settled has lost out and yet still people ring without understanding or being prepared.


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi

 

Have read your threads and its all very interesting - I have obviously calculated the interest I am claiming incorrectly and will amend my figures. Thanks guys for that information. I've just received my second goodwill offer from MBNA have sent my LBA letter off to them but they have not returned all the charges or any interest and are arguing that £12 charges since June 2006 are quite legal and that I cannot have any of that back. They also stated in their letter that our letter was received in August 2006 and that they will only refund money up to that date and not for charges made since that we have added on in our LBA letter. The letter was from Rachel Claridge. Should I give them a ring? Whom should I speak to - Rachel?

 

Any help would be appreciated.

 

Bunnykins321


Laura Ashley - Prelim Letter Settled in Full £100

Tesco (RBS) - LBA - offered £64 - still owe me £136.19 - second LBA letter sent 12 Nov 2006

Mint (RBS) - LBA - offered £54.23 - still owe me £70 second LBA letter sent 14 Nov 2006

LLoyds Gold - Moneyclaimol 12 Nov 2006

LLoyds Plat - Moneyclaimol 12 Nov 2006

Lloyds Classic - LBA letter sent 12 Nov 2006 for £2,593

Lloyds Classic - LBA letter sent 12 Nov 2006 for £508.65

MBNA (2 accounts) - Two goodwill payments received so far totalling approx £700 - just going in for the final kill!

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What do you want to talk to them about?

 

IF they are arguing that the £12 is lawful and that any charges applied since a specific date cannot be refunded they are acting unlawfully unless the charges are a true reflection of their costs.

 

Since all the independent evidence in the public arena has suggested that the cost of sending a letter out for a late payment or similar is a few penny's.

 

I suggest you write to them telling them you don't accept this unless you intend to submit in the future.

 

If you write there is no doubt about your intent or what you want in the future. Ring and there is always room for debate. Even if you are very confident its always possible that you would give something away you don't mean to.

 

JMHO

 

Glenn


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I agree with Glenn, from past experience all they will try and do is confuse you and possibly give up information or come to a compromise that will not be in your favour.

 

Stick to your plan, it's up to them to conform in the timescales given, and if you are a week late with the next stage of the proceedings so much the better - you can argue that you gave them extra time in goodwill and they still neglected their responsibilities.

 

It's your money. every penny of it.

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Hi

 

Thanks for your advice. I think I may have another slight problem - in my LBA letter enclosing statement I calculated the interest owed to me at only 8% and didnt charge them for admin charges. I'm at going to court stage with LLoyds, Mint, Tesco so I have made this mistake on all of them. Do I have to write to them all again or forget about the extra interest and admin charges when filling in the court papers. You advice would be appreciated.

 

Thanks


Laura Ashley - Prelim Letter Settled in Full £100

Tesco (RBS) - LBA - offered £64 - still owe me £136.19 - second LBA letter sent 12 Nov 2006

Mint (RBS) - LBA - offered £54.23 - still owe me £70 second LBA letter sent 14 Nov 2006

LLoyds Gold - Moneyclaimol 12 Nov 2006

LLoyds Plat - Moneyclaimol 12 Nov 2006

Lloyds Classic - LBA letter sent 12 Nov 2006 for £2,593

Lloyds Classic - LBA letter sent 12 Nov 2006 for £508.65

MBNA (2 accounts) - Two goodwill payments received so far totalling approx £700 - just going in for the final kill!

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Bunnykins

 

In truth in small claimsthe courts wont generally award you costs, so adding in costs for letters may be considered 'cheeky'.

 

so i wouldn't add them to my claim, although i would go to court with a schedule in my hands that should i get asked what my costs were i could hand it over in 'all innocence'.

 

Re interest i wold write back to them with a further LBA and revise the interest to the level you want to claim, it gives them another 14 days but you wont run the risk of them complaining they haven't had time to deal with it.

 

JMHO

 

Glenn


Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Thanks for your advice. I've written them another letter thanking them for their goodwill payment but stating the I want what's owed to me and giving them another 14 days before court action. Hope this does the trick.

 

Bunnykins321


Laura Ashley - Prelim Letter Settled in Full £100

Tesco (RBS) - LBA - offered £64 - still owe me £136.19 - second LBA letter sent 12 Nov 2006

Mint (RBS) - LBA - offered £54.23 - still owe me £70 second LBA letter sent 14 Nov 2006

LLoyds Gold - Moneyclaimol 12 Nov 2006

LLoyds Plat - Moneyclaimol 12 Nov 2006

Lloyds Classic - LBA letter sent 12 Nov 2006 for £2,593

Lloyds Classic - LBA letter sent 12 Nov 2006 for £508.65

MBNA (2 accounts) - Two goodwill payments received so far totalling approx £700 - just going in for the final kill!

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