Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • I can understand your frustrations. I would say based upon what youve told us - It goes beyond what would be considered acceptable treatment of a worker. They cant take the phone in the way that they did. The fact that you had to report it to the police is completely unacceptable IMHO.   They really only have the right to tell you not to use your phone. They dont actually have the right to confiscate it from you. But they do have the right to ask you to leave it in a secure location like a locker etc or ask you to switch it off.    Financial Orgs have rules like that in place to protect customer data etc.
    • It's very difficult to read a solid block of text in the way that you have posted. Please would you mind reposting – but properly spaced on punctuated and then I'm sure that you will get the help and advice that you need. Thanks
    • I have just checked my credit file and Lowell have added this to my credit file in June, are they allowed to do this considering the accounts in dispute and they told me they had put the account on hold and had suspended all activity relating to the account, there is no marker showing for July.  
    • hi folks looking for some advice, purchased a set of alloy wheels through a company, that after 8 months wheels have started to erode, and were still under warranty, sent off an email, with pictures of all the wheels, it was not just one this happened on its all 4, after no reply, had put it down to them maybe been closed due to cover, and then called them a few weeks later, to see if they were open and had got my email, to be told they had changed there email, to forward the details onto them, as i did, they got back to me and said as they are now out of warranty as a goodwill gesture they would replace them for me, and was told that they have had problems with this wheel in the pat, and its no longer available, but in order to do this, i would have to drive over 600 miles, accommodation and a journey i am not fit for as i am recovering from cancer, i asked if i could send them back by courier, inconvenience to me as i will have to take vehicle off road to do so, but was told they would not accept them this way, and that they would hold the offer open for 6 months, or the other option was to buy another pair at cost and sell the faulty ones on eBay, was paid for on credit card, any one advice if i have any rights  thank you
    • HI   Further update email   Hi Pauline,   Thanks for your further email.   I can’t advise that you will not need to pay for the remainder of the booking until an alternative you are happy with is found, as this isn’t in line with the terms and conditions agreed to at the time of booking, or the package travel regulations. Customers who wish to keep the holiday in place would need to pay the remaining balance or it will be cancelled at the relevant charges, regardless of whether the hotel is affected.   If a booking is affected our priority will be to source an alternative hotel, to ensure customers can still go on holiday. If a suitable alternative can be provided, in line with the criteria set out in the package travel regulations, no refund will be due if the customer does not wish to travel on the holiday and make use the alternative hotel.   Kind regards,
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
pmf1977

Is my online Virgin MBNA CCA enforceable?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4001 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello

 

the CCA MBNA sent me is here - www.paulflint.co.uk/mbnacca.jpg

I am trying to find out if it is enforceable.

It was an online application.

The credit limit isn't stated, does this matter?

Details of how to cancel, it states details will be sent to me is this okay?

The interest rate appears to be the APR.

 

Do any of these make the CCA unenforceable or are there any other things that will?

 

thankyou in advance for your time and help.

 

I have read so many forums and I can't quite relate everything to my agreement.

Edited by pmf1977

Share this post


Link to post
Share on other sites

Have you had a look here ?

 

http://consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/609-mbna-agreementsapplication-forms

 

Also, Have a look at these links which may help you decide on the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

 

 

Is My Agreement Enforceable - Useful

Consumer Credit Agreements


 

Help us to keep on helping.

Please consider making a donation, however small, if you have benefited from advice on the forums.

This site is run solely on donations.

 

You can make a donation

HERE. Thank you.

 

Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Share this post


Link to post
Share on other sites

thanks for the reply

I have read through pages and pages of forums but am still unsure.

My main concerns are:

 

1. 'my right to cancel' the details for this are in a seperate box to the title.

 

2. I have read that the APR is NOT the actual interest rate charged.

 

3. I cannot see how the illustration they give calculates correctly with the apr and other interest rates given.

Share this post


Link to post
Share on other sites
thanks for the reply

I have read through pages and pages of forums but am still unsure.

My main concerns are:

 

1. 'my right to cancel' the details for this are in a seperate box to the title.

 

2. I have read that the APR is NOT the actual interest rate charged.

 

3. I cannot see how the illustration they give calculates correctly with the apr and other interest rates given.

 

 

Hi Pmf

 

Firstly you have left your reference number on this, i would advise you remove your details and repost it.

 

Just one things when did you take the card out.

 

 

Gaz

Share this post


Link to post
Share on other sites

Hi

 

I have edited the pic

it was taken out in March 07, just before the changes to the credit act came in to force

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...