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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
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      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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MBNA Loan - The battle begins


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Hi Dotty50

 

I hope you gave them an appropriate response to knocking on your door!

 

I can't see them doing the same to me, but you never know with budget airlines making it so cheap to travel!

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Despite complaining again about harassement I am still getting calls to every number and messages left every couple of days, usually before 9am.

Anyone got a successful strategy for stopping this, apart from changing all phone numbers, which would be a problem given that two are work numbers?

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Hi Exchange,

 

They have started calling my office now. (I think it's Virgin MBNA) only way I will find out is if I call!

 

Have you written and specifically quoted the numbers, asking them to be remove d from their system?

 

I did with Cap1 and they complied! :eek:

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Had messages left on each number on Friday and Saturday saying 'This is a final message....' and telling me that they can no longer help me. Could this mean they will stop calling? No calls today so far!

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Of course it didn't mean they would stop calling!

Three calls this afternoon, one on each number from a different person. So the last one was telling me it was the last message from that person, not that I would stop getting calls. Getting a bit bored with them now.

They continue even though I have not spoken to them once on the phone since disputing CC accounts and the loan with them back in March 2009.

All other creditors have long since given up, so they get the prize for persistence.

Have to see how long it takes for them to get the message that I will not speak to them on the phone.

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Calls have stopped again but received a curious letter this morning.

Curious because it says 'Further to your request, please find enclosed giro slips for payment....' It doesn't say much else.

I have not asked for anything or suggested I would make any payments, so are they playing games or is it just a mistake?

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  • 2 weeks later...

Have had calls every three or four days recently but have now received their standard 'We have limited time to help you' letter with all the threats they can think of. It will go into my bulging file, I really don't want to have to go out and buy another one!

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  • 1 month later...

Default notice turned up today for this loan account. It is dated 8 March 2010 which was a Monday and demands payment 'Before the date shown', the date shown being the 25 March 2010, so this means by the 24 March 2010, does it not. The envelope has a Royal Mail 1 on it and Airmail as I am not in the UK. I find it hard to believe that the same rules apply for service of a DN to a foreign address as it has taken 10 days to get to me! If two days are allowed for service then it would be valid, but as the delivery time shows, how can I have 14 days to respond with delivery today and only 6 days to the 24th?

I will post it but any opinions welcome.

Thanks in advance.

Exchange

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I notice that non-payment means the 'account will be closed, the credit agreement will be terminated', not may but will, so this is effectively a notice to terminate the agreement.

Any views?

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I asked MBNA to provide info on loan accounts with them under a SAR which had previously only got me CC info. Today I have the response which was due by the 2 March 2010 sent on the 10 March 2010 with an apology for the delay and a rubbish excuse. The usual lie about only keeping records for 6 years included, when what they must do is keep records for 6 years after an account is closed.

So lots of activity suddenly. I will need to have a proper look through what they have sent to see what I find.

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Hi Exchange,

 

Vint says they do not normally send an official termination letter, I've certainly not had one.

 

'Activity suddenly', you can say that again, I have received a reply to my SAR today, which I request on 2nd Feb so, like you, will start reading! :)

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Hi Dotty50, I didn't receive any termination notice for either of my CC's with them so not expecting one for this loan. I think they have the brains (surprisingly!) to not terminate so that if the DN is faulty they can try again.

Perhaps they can't cope with the number of SAR's they are getting at the moment. Should we complain to the ICO about the lateness?

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Trouble is Exchange, I understand that the ICO are also struggling to cope with complaints and are taking months to respond!

 

They have not fulfilled my SAR but it does confirm that they sold my account before the expiry of the DN and they also confirm that the cannot supply a copy of a signed CCA due to archive retrieval problems with HSBC. (This card was originally an Open University card via Beneficial Bank from many years ago so didn't expect a copy)

 

It also seems that the account was passed to litigation but litigation declined it!

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Your SAR sounds like good news for you! I am yet to go through mine properly.

It must help to complain as it adds to the growing number of complaints listed against MBNA, which can't be a bad thing even if it takes for ever for the ICO to look at it.

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  • 3 months later...

Been a while but today I received a 'Closing Statement, from MBNA telling me that the account has been sold to a third party (who they have not named). Current interest rate is 0% so the balance should remain the same from now on.

I take it that unlawaful receission of contract applies to loan agreements in the same way as CCA's?

If anyone can confirm this please that would be great.

Thanks in advance.

Exchange

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Having sold it on this is 'termination' of the contract in the eyes of the law I take it?

The DN sent to me would have complied with the rules if it were to a UK address but I am not in the UK!

Anyone know how this would be viewed?

My argument would be that delivery within 2 days to a foreign address cannot be guaranteed and I do keep all envelopes which prove that, even with first class by air mail, letters typically take 10 days to reach me from the UK.

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Anyone got any opinions or hard facts on service of DN's outside the UK?

Since starting this process in February last year it seems there is either no guidance where the debtor lives outside the UK or if there is it is very well hidden!

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