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    • best to create a topic of your own please this one is for advising SSwales. click create in the top red banner   dx  
    • There is a caveat. Within the first 6 months the assumption of a fault at time of selling means that it is for the seller to disprove.   This can be through showing, possibly as in the case of engine 'blowing up' in this thread, that due attention by the purchaser has not been  paid to such things as the oil and water levels, all other adjustments have been maintained, any due servicing has been carried out, etc.   There is actually no doubt that if you buy a vehicle and the engine blows up within three months then it is not of satisfactory quality. Because it has happened within three months and the six-month rule applies and that means that she is entitled to have a repair and if the repair fails then a refund or a replacement at her option   We have not been given details of make, model,  age, mileage on purchase, miles covered by OP and servicing history. It is for these reasons that I find the above post questionable.
    • Thank you, I will have a think about where we go from here & if I do decide to progress with a claim with an initial letter, if I can pass it through you to check, I would be very grateful.  Thank you so much again for your assistance to date
    • Yes she told me she had a large company install cctv they didn’t install what they said and she took them to court and won , she then had another person fit them and there was a problem with her tv signal threatened him so he just took them out and gave her her money back . I didn’t know this until after I had installed them and she said the tv was playing up last time she had them fitted 🤦🏼‍♂️ ... this is why I’m so sure it’s nothing to do with what I installed she was happy I told her the problem was with her old analogue aerial and I would go in the loft and switch it to the digital one she declined , told her I would install the cctv on her laptop , mobile phone or connect to tv via router she declined all soloutions . There was no problem with the cctv working through her tv no break lines or pixels , just her tv signal  ive been back and forth trying to sort it out 
    • Quick question for my education (and I hope the OP's).   When sending copies of notices and evidence etc to a defendant, should it be sent recorded delivery or is first class with proof of postage sufficient (or even better)?   Can't recorded delivery be refused by the recipient?  And if it is refused, can a defendant legitimately argue that it was never received?   Sorry - don't want to drag this thread off topic but it seems sort of relevant.
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
Dotty50

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

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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 Pumpytums,

 

I had spotted this on another MBNA thread, it's so good to read that we are in such goods hands NOT!

 

The 7 days they gave me is up today, wonder if the 50% off is on it's way yet?

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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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Yes Capricorn, they are Irish, guess they may have problems getting funds to bail themselves out of the mess, with all the potentially unenforceable agreements they have purchased. :violin:

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Lol


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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Subbing with interest as am in same boat with these muppets,haven't had the 50% offer yet though!!

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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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I would not worry too much ................... I have about 50 letters (some marked Letter Before Action) from various DCA's and OC's saying legal action will be taken in 14 / 21 etc etc days ........ none have yet ...... even after four years!

 

Onwards and Upwards

 

Chalkitup

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Like Chalkitup says.....loads of these are sent out like Confetti!!.....I have just had an account passed to ARC (Europe) Ltd...says pretty much the same....and I guess just ignore until their next move.

 

Keep your chin up Dotty!

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Hi Barrowby,

 

Thanks for your comments, I just hate to leave it open for them to continue, if I ignore them.

 

I have got a letter that I can draft and send off to them, I just don't seem to find the time to get it done!

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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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It's more likely that MBNA will sell the debt onto Hillesden's.

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Theyve sold mine to Experto Credite, very fancy name

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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 have sent the letters, the only thing I added was a request for any notice of assignment, giving Hillesdens the authority to act

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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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Might be worth starting a new thread so you get some expert advice from those not subscribed to this particular one.

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