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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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    • We have finally managed to obtain the transcript of this case.

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      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.

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experto claimform - Mbna- Virgin Card ***Claim Discontinued***


Dotty50
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Well I would address any letter to CMC, although I realise they are EC, it says so at the bottom of the letter.

 

Or I could just file it!

 

 

This is the issue,,,, is it worth responding to them? They know they are scraping the bottom of the barrel with worthless alleged debts Is it worth replying to them?

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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I found the following on their site the last part pretty well sums them up

 

http://www.expertocredite.com/pdfs/29-30.pdf

 

What a complete load of drivel

 

Conclusion

It was a crisp October morning at

7.30am when the phone rang. Jo Blogs

and myself were early starters in the

office. He stuck his head in my office,

visibly shaken and said: “Paul, you need

to hear this.”

On the other end of the phone was

the muted sound of a lady, her sobs

were heart wrenching. She began to

describe happier times she had with

her husband until he started out on

his own. He ran a business, which got

into trouble, which led to him being

pursued by us along with many others.

She described how she fell asleep

one night, thinking her husband was

working late in the study, but to her

horror in the morning she awoke to find

he hung himself in the garage, a pile of

letters lay strewn on the floor, one was

from our company.

The words cut through my heart like

a sharp blade. Was our letter the one

which tipped him over the edge?

Three months later, I lost my best

collector Jo, who took up a career in

teaching. “This is no longer good for

me Paul,” he said, “I need to move on.”

The phone call had a real life-changing

impact on him, and he was never the

same again.

My own solution was not to leave the

industry, but to remain and contribute

towards building good standards, and

underpin this by ensuring my staff are

aware that debtors never become a

faceless commodity.

They have names, they live lives, they

are real people who face life challenges,

daily, like all of us, and it is within this

context that they must be treated fairly

and with compassion.

 

The bit I find most disturbing is the part "I lost my best collector" utter ****. So basically they are trying to put the spin on their activities by saying they really care, but at the end of the day we lost our best collector which I was really gutted about. This individual should smell what he is shovelling. I detest this company even more than I did previously.

 

Pumpytums

Edited by pumpytums
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Hi Dotty,

I popped it on another thread too. I just want people to be aware the depths these people plummet to try to put across their squeaky clean image.

 

I'm awaiting their weapon of mass hilarity/desperation the infamous Statutory demand.

 

It is nice to receive letters though even though their only use is fire-lighters as many have stated.

 

Pumpytums

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Hi all subbing to this one as i am in the same boat. Defaulted just before xmas last year by MBNA, sent the letter to MBNA on 13th Jan accepting their termination etc and asking for details of arrears minus unlawful fees whilst in dispute, had two letters earlier this year from EC. FIrst one an introduction saying hello, second enclosing my unenforceable application form. Nothing since until two weeks ago. Had leter from EC offereing settlement of 50% and end of Nov to pay, then a week later the letter from CMC saying pay up or we will send the boys round.

 

Any advice or support appreciated.

 

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Just a thought.... Varde are Irish arent they? Do you think our debts are part of the the problem of the irish national debt which could be putting the Euro economy at risk :)

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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No doubt Targets to be met by month end , so roll on the end of month special offer letters and texts in the next few days!

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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May be needing some help!

 

Got a letter from Aplins stating legal action WILL be taken if payment not made within 14 days!!!

 

I have had a letter from Aplins before, I will have to dig it out of the file, I am pretty sure it wasn't like this one and this looks to me very much like a LBA! :mad2:

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Hi Dotty, just subbing to this. My fight with MBNA starts soon and your thread has been an incredible read. Stay strong and keep us all posted.

 

Am i right in reading that MBNA have no CCA so wont pursue through court but Aplins who bought the debt from them are threatening court? How can that be possible?

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Hi Dotty, meant to say...I had Aplins chasing me for another CC and i just wrote to them and pointed out that the A/C was in dispute and to revert to the CC Company....They seem to have given in and now passed to ARC (Europe) Ltd.....anyone have dealing with this shower?

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Am i right in reading that MBNA have no CCA so wont pursue through court but Aplins who bought the debt from them are threatening court? How can that be possible?

 

Thanks for your words of encouragement minmoo, Its good to hear that my thread helps anyone who is dealing with MBNA.

 

MBNA produced nothing since requesting CCA in Apr 09, however Hillesdens managed to get a very blurred copy, which I uploaded and is on post 202 and some current T & C's. Not acceptable IMO.

 

It was a bit of a surprise to get the letter from MBNA and I guess its not really worth the paper it's written on, as they sold the debt in January!

 

Barrowby, thanks again for that, unfortunately (or fortunately for me) I have not had any dealings with ARC but I bet there will be others on here that will have done. Google the company and you will probably get links to threads on here!

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But the good thing is that if MBNA admit they cant go through court then they cant get a charging order on your house. That would be the biggest concern for me. Our card is for 8 thousand so i have no doubt they will do that at the earliest opportunity.

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Here is what I am planning to send to Aplins.

 

It's based on a letter courtesy of Priority1 and means to an end.

 

Any thoughts or amendments appreciated.

 

I will also send a standard letter to Hillesdens data controller regarding the illegible copy supplied.

 

APLINS - my 3rd response - with deletions.doc

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I am feeling really stressed now!

 

Had another letter from Aplins stating that they are going to issue legal proceedings in order to obtain a charging order!

 

I spent a lot of time reading other threads last night and it seem the next step will be an N1 form!

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