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    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MandM vs MBNA/ Virgin Money***Settled by Consent***


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Hi M&M,

just read your thread, amazing similar to mine (as you said on my thread).

 

Out of interest the date on the Varde letter was it before the default was up?

 

MB*A are a piece of work, if its any consolation I have heard nothing from credite Exponential or whatever they call themselves since the one letter last month.

 

Don't worry your with friends here.:)

 

 

Pumpytums

 

Good spot!!! My DN from MBNA is dated 9th Oct and giving until 26th. The letter from our new friends at EC is dated 23rd Oct:D:D:D saying that they've now bought the interest.

 

This could get interesting :lol:

 

M

 

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I would send this to Experto.

 

Ref Account xxxxxxxxxxxxxxxxxxxxxxx

 

Dear xxxxxxxxx,

 

I was somewhat bemused to receive your letter of xxxxxxxxx 2009, the content of which is noted. No debt to your company is acknowledged.

 

On xxxxxxxxxx 2009 I made a formal request to MBNA, pursuant to s.78(1) of the Consumer Credit Act 1974. MBNA have failed to comply at this time. In addition, this alleged account will placed in dispute on the xxxxxxxxx 2009 should they fail to comply with my request. It should not be necessary to have to remind you that the provisions of s.78(6) will then apply. These letters are enclosed.

 

In the circumstances, the sale of this alleged account to your clients, amounts to unlawful rescission of agreement.

 

Your attention is also drawn the ICO on Data protection, as passing details on to a third party while an account is in dispute is contrary to the Data Protection Act. I have previously issued letters to MBNA under s10 of this act. You may wish to refresh yourselves of the implications of ignoring the Data Protection Act.

 

Should you attempt litigation it will be vigorously defended and the failure by MBNA to supply documentation under the CCA 1974 will be a complete defence to any legal action and your actions will be considered vexatious and unlawful. The Court's attention will drawn to the above statutory breaches. Furthermore, I reserve the right to bring the conduct of your client to the Court when the issue of costs is being considered.

 

 

I would remind you that while this alleged account remains in dispute, that MBNA:

  • May not ask for payment against this account.
  • I am not obliged to offer any payment against this account.
  • Cannot register any data with a third party.
  • Cannot take any enforcement action, including registering Defaults.
  • Cannot pass the account on to a third party for collection.
  • Cannot sell the account.

I trust this out lines the situation and that you will take note of my comments, to avoid any further breaches of the Law, being committed by you.

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Hi Vint,

 

Just a small query on the wording within the letter you kindly put together for me to use;

On 20th October 2009 I made a formal request to MBNA, pursuant to s.78(1) of the Consumer Credit Act 1974. MBNA have failed to comply at this time. In addition, this alleged account will be placed in dispute on the 3rd November 2009 should they fail to comply with my request. It should not be necessary to have to remind you that the provisions of s.78(6) will then apply. These letters are enclosed.

 

Do you mean the CCA request letter (copy of)?

 

ty M

 

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AND just noticed something else rather strange too whilst typing/editing the letter above. Realised that EC have changed the account number ( they call it Agreement Number in their letter).

 

Have read the bit in Pumpytums thread about account numbers being different against the credit file bit didn't really understand it :???: .

 

It's def not a mistake (i think) as i've just checked the mother in laws one and her number changed also!!! (she's just started on a similar route and got the same dodgy DN followed by the mis-timed letter from EC lol)

 

Any thoughts and does it change or add to the letter above?

 

M

 

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Hi M&M,

I found a thread on CAG this weekend they change the account numbers when the account is basically sold off "Charge off" . Not sure why.

 

When I spoke to MBNA they did mention something about the new number. Give them a ring on 0800 062062 get through to customer account services and ask them when it was sold. My date was very interesting as I would imagine yours will be. Can't wait for my SAR info.

 

Pumpytums

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Hi M&M,

I found a thread on CAG this weekend they change the account numbers when the account is basically sold off "Charge off" . Not sure why.

 

When I spoke to MBNA they did mention something about the new number. Give them a ring on 0800 062062 get through to customer account services and ask them when it was sold. My date was very interesting as I would imagine yours will be. Can't wait for my SAR info.

 

Pumpytums

 

Will call them and see what transpires. Still waiting for my CCA (2 days left I think)

M

 

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AND just noticed something else rather strange too whilst typing/editing the letter above. Realised that EC have changed the account number ( they call it Agreement Number in their letter).

 

Have read the bit in Pumpytums thread about account numbers being different against the credit file bit didn't really understand it :???: .

 

It's def not a mistake (i think) as i've just checked the mother in laws one and her number changed also!!! (she's just started on a similar route and got the same dodgy DN followed by the mis-timed letter from EC lol)

 

Any thoughts and does it change or add to the letter above?

 

M

It could be Experto's account number, but not agreement number. You do not have an agreement with Experto.

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Hi M&M,

I found a thread on CAG this weekend they change the account numbers when the account is basically sold off "Charge off" . Not sure why.

 

When I spoke to MBNA they did mention something about the new number. Give them a ring on 0800 062062 get through to customer account services and ask them when it was sold. My date was very interesting as I would imagine yours will be. Can't wait for my SAR info.

 

Pumpytums

Whatever they do for their own convenience is down to them, however you need to remember that there will only be one account number for your signed agreement. After all, you may hold 2,3 or 4 cards with MBNA, all separate agreements and account numbers. They can't just make one up and expect it to be legal.

 

If this option is within the original signed agreement, for them to take advantage of it, as with any change, they need to send you a new agreement and a copy of the original signed agreement that allows them to do this.

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It could be Experto's account number, but not agreement number. You do not have an agreement with Experto.

 

Quite right, I have no agreement with Experto!! Thats the point I'll make to them in my reply.

 

M

 

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Whatever they do for their own convenience is down to them, however you need to remember that there will only be one account number for your signed agreement. After all, you may hold 2,3 or 4 cards with MBNA, all separate agreements and account numbers. They can't just make one up and expect it to be legal.

 

If this option is within the original signed agreement, for them to take advantage of it, as with any change, they need to send you a new agreement and a copy of the original signed agreement that allows them to do this.

 

And awaiting arrival of my agreement. I make it that time's almost up :rolleyes:.

 

M

 

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Just an up date of where i'm up to.......

 

MBNA ran out of time on the CCA request (there's a surprise :rolleyes:) so the 2nd letter went off telling them so and that the account is in dispute.

 

Also wrote off to ExSpurto with the bemused letter kindly supplied by Vint (with copies enclosed) so will sit back and see who does what next. This is better than telly!

 

M

 

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Whatever they do for their own convenience is down to them, however you need to remember that there will only be one account number for your signed agreement. After all, you may hold 2,3 or 4 cards with MBNA, all separate agreements and account numbers. They can't just make one up and expect it to be legal.

 

If this option is within the original signed agreement, for them to take advantage of it, as with any change, they need to send you a new agreement and a copy of the original signed agreement that allows them to do this.

 

Hi Vint

 

This is an interesting point. So when MBNA take over say Virgin Money, or in my case Homebase card, the card number changed (or it did in my case). Are you saying they should have issued a new agreement when they issued me a new card with the different number?

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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Hi Vint

 

This is an interesting point. So when MBNA take over say Virgin Money, or in my case Homebase card, the card number changed (or it did in my case). Are you saying they should have issued a new agreement when they issued me a new card with the different number?

In essence they can take over the Virgin account and run it on the same account number and terms as Virgin. I would imagine, that if they want to change that account number and it's terms to MBNA, they must have to get your agreement to the new account and terms, by you signing up to it. Also, I would have thought that the account would have to be assigned to MBNA from Virgin.

 

They cannot just impose a situation on you, without your agreement. Think about it, if they closed the Virgin account where you have a signed agreement, that is gone forever. The new account with MBNA, proved by new account number and terms, has no signed agreement.

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So at sometime during its life, the account number (long number on the card) has changed? Just checking as mine did from homebase. There is nothing on the alleged Agreement/Application form which indicates which account it belongs to, so how do we claim the argument that the agreement/form belongs to the original account number?

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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