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    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
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everton104

MBNA CCA received

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Newbie here, hope I've done this right. Can someone take a look to see if my CCA is enforceable please. http://i944.photobucket.com/albums/ad289/everton104/mbna002.jpg

http://i944.photobucket.com/albums/ad289/everton104/mbna001.jpg

 

Looked in library but none looked exactly the same.

Many thanks

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Any advise really appreciated.

Thanks

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could you post up a better scan pls ?

 

those are unreadable

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from what i can see thats not enforcable. can't see any interest rates


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As the interest rates are on a seperate page, MBNA would have to prove that it is of the same document as the first page.

 

Hold both pages up to the light and see if there is any bleed through ( the print showing through from the other side of the paper).

 

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

 

 

Is My Agreement Enforceable - Useful

Consumer Credit Agreements

 

Also have a look here as well -

 

MBNA DOCUMENTS


 

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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.

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Thanks for replies everyone. Supasnooper, I received just one sheet of paper, have posted other pictures as agree with toto003 first ones not readable.

 

Pictures by everton104 - Photobucket

 

I am going to write back to MBNA

Application form?

Front says read condition 11 in T&Cs before signing, no condition 11 in T&Cs.

 

Have had a good look in library and lots of posts, think I just want affirmation before I write back to them. Want them to think I know what I'm doing which I really don't yet.

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Thanks for replies everyone. Supasnooper, I received just one sheet of paper, have posted other pictures as agree with toto003 first ones not readable.

 

Pictures by everton104 - Photobucket

 

I am going to write back to MBNA

Application form?

Front says read condition 11 in T&Cs before signing, no condition 11 in T&Cs.

Have had a good look in library and lots of posts, think I just want affirmation before I write back to them. Want them to think I know what I'm doing which I really don't yet.

 

Hi everton, the reason I asked for a better copy, is that I thnk your "back" page might be the same as mine, with the 1k/3k/5k table.

 

If it is, then they definitely do not state the amount of interest for running account credit. ... unfortunately, without reading the exact words, I wouldnt want to say either way.

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I have written to MBNA many times to dispute the above cca, I did not want to stop payment to them as I did not want a court case to deal with.

I agreed a monthly sum for 6 months only and was told they would phone to renegotiate after the 6 months, they never, so I paid what I could and received a DN for full amount of balance.

Now got a letter from Allied International to contact them as they have been instructed by their client MBNA to recover the balance. Have MBNA sold it?

When I received the DN I sent a subject access request to MBNA and on comms log it gives 6 payment dates and amounts so that was the agreement. SAR also included an 'autoscore sm card application details' page which states Credit Limit - Not Given. Thought part of an agreement had to state a credit limit?

What letter can I send Allied International please, all answers really appreciated.

Keep seeing posts to send bemused letter but can't seem to find it.

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