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    • Wait until you get a refund from the purchaser before accepting anything else. Please will you post up the text of the email that you received.  Make sure that you look after the text that you received from the purchaser
    • I’ve just received a letter from a debt collection agency called Intrum about an old Halifax credit card debt, they have never been in touch before and the letter says that because I have failed to contact them they are passing on to a company called Resolvecall who specialise in home visits. This debt is from about 14 years ago when I got into some financial trouble, I had a default on file but that dropped off around 4 years ago. Is there anything I can do with this as I don’t really want people coming to my house, thanks in advance? 
    • Just wanted to check if anyone knows, I'm in the process of retrieving the transcript. There was no time frame given in the appeal judges directions, does this mean none applies or is there an unwritten timeframe that applies as a default for these things? 
    • I left a trustpilot review and P2g have emailed me with the obligatory apology and have refunded the postage costs and are will to give £10 extra pre pay as a good will gesture. However,  as i wrote this the Buyer has just txt.me.to say they have received the parcel !  So obviously im now going.to suggest that she pays via Paypal ... I rang her this morning to see if it had arrived but she said she was on holiday and there was someone in her house she would have to contact to see if it had arrived which she obviously has ... So now i know its been delivered i cant go for P2g But i Can accept the exta £10 ...
    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MBNA Loan - The battle begins


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Hi all, a new battle now that I am in the late stages of my other battles with credit cards and felt I could take this on as I am struggling to keep up the payments on this loan, although I have managed up until now having been unable to work for the last 6 months. Although I am back to work my earnings are around half what they were before the 'crises' which directly affects me, the exchange rate is diabolical (I get paid in sterling but live in the eurozone) and I am way off track financially due to the time off work.

This will be interesting as this loan goes back a few years but I have added to it at least twice, the last time being in May 2007. (I know, I should not have been tempted, but too late now.)

The last balance given to me seemed too high and I am suspicious that PPI has been added on at some point which I have certainly never asked for.

Starting with a CCA request being sent today.

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Thanks for the response summerbreeze. I did as you say above but I seem to remeber having to sign something and send it back. Unfortunately I don't have a copy but with any luck they won't have one either!

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I sent a SAR for my two credit cards but did not ask for information on the loan account as I had not started on it at that stage. Do I need to pay £10 again or should they have included this info on the loan account anyway?

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I sent a SAR for my two credit cards but did not ask for information on the loan account as I had not started on it at that stage. Do I need to pay £10 again or should they have included this info on the loan account anyway?

 

Hmm I think they are supposed to send you all the info they have on you so should include all your accounts but MBNA are not good IMO at sending anything you didnt ask for and not good at sending the stuff you DID ask for !!

 

You could write and ask them for the loan info and point out you have already paid £10 and expected to get everything they have

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Hi Dotty50, I did eventually get a response for one of my CCA's but only got the second after a SAR. You might want to continue to wait if you have had nothing as this obviously means the account is disputed, but an SAR might work.

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  • 2 weeks later...

Phone calls have increased recently, although I always ignore them, I suspect because of the CCA request for this loan. Needless to say time is up and they have sent nothing yet. I will give this a bit longer before sending the in dispute letter and have not missed any payments yet. Concerned that BOS, which I have done nothing about yet, have upped my interest rate to 20.9% and that I might get my overdraft facility at the bank withdrawn as I know that credit files are checked regularly.

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Found out from this brilliant website that any creditor you have a loan with must send you an annual statement since new legisaltion came in to force on 1 October 2008. If your loan predates 1 October 2008 then you must receive a statement by 1 October 2009 or they are in default and cannot charge you interest for the year that they have not provided the statement for. Yet another potential angle to fight them on. They have a week to get this statement to me. Do they know?

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Had a copy of my loan agreement turn up today. I would scan it but technology has defeated this for now, scanner has packed up. It's dated May 2009 and looks as though I did it on-line, when I'm sure it was agreed on the phone! Anyone else had this situation?

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Having looked back through emails, I did apparently accept it on line. I will post it up when I can but looks like I may struggle with this one! Pity because I have grown to really hate the way MBNA operate over the last 6 months!

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I should point out again that this was a top-up to an existing loan which was also a top-up to an existing loan. I know, don't be harsh!

Should I have been sent copies of the two previous loan agreements as well or does the current one supersede all others?

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I have been checking the loan agreement sent to me and using a couple of APR calculators my agreement says 7.9% whereas I get 8.7% or 8.8% from the two APR calculators I have tried so far!

This is way off if correct. Has anyone got a reliable calculator they have used? I am missing something perhaps?

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Have found I am using the same calculators on websites as others have used on here. Is it really possible that MBNA could have been charging me nearly one per cent more than the agreement says?

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