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    • Thank you Andy no nothing has changed its still the same for £7700 I was going to include the interest and costs, but I understand the claim now a little better, we have been told to work from home, I have printed off the N244 as I could not save a copy I have detailed everything as stated.   I will post up the two letters to be attached the defendants and my daughters, can ii add that she gives me permission to represent her in court as she will be abroad when the claim goes to Court I can get a witness statement from her to confirm this too.   So with the application N244 completed as above for £7700 plus costs and interest I will attache my daughters letter as detailed under Sec 19 (2.1) Defendants letter giving no objections    I will send this by email tonight after I have finished work
    • It's a shame that you don't have pictures of the damage packaging. Not very clever of the recipient not to have taken these photos. Find out all the information you can. Careful preparation and lots of evidence is important. Whether I think you have a good case will not especially relevant. At the end of the day it is you who will have to decide whether you want to fork out the court fee and have a go at getting your money back. Your's to win and your's to lose
    • @BankFodderthank you again for your reply, I really appreciate it.   I will go through the machine procedure again today. I'm so relieved to hear you think I've got a good case against them.    I have been sent my guitar back from the buyer and he has been refunded in full.    I have photographs of the guitar dated day of listing on eBay and then the photos the buyer sent me of it damaged.    Oh yes, huge lessons and I won't be putting anything of such value in the post again! 
    • Seeing as most here  hate Johnson and the Tories who do you suggest we have running the country?   I am not a fan of Johnson but nor do I like the Labour party lol,    just a general question   Sandy xx
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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This has been going on now for approx 6 months - I have sent MBNA various letters (recommended on this site) asking for a copy of my signed agreement - nothing has materialised. They will not be able to provide one because I have never signed one - my agreement was with Beneficial Bank and MBNA took over. Anyway, I have spoken to them today (as they sent me a postcard telling me they were going to call me this week) - I have asked again for my agreement and I was advised that I needed to write in (enclosing a £1.00) - I explained that I have already done that back in May. Apparently, I had written to the wrong address!!! and it was my responsibility to phone MBNA to get the correct address!! I have also been advised that there will be a default placed on my account at the end of this month if I do not make a payment. They have also checked my other loans (apparently) as he tells me that I do not have any other defaults (can they legally do this?) and they cannot put a charge on a property as I don't own one!

He has given me the address to write to ask for my agreement - I am getting really frustrated by all this as I know they are not going to be able to supply me with the agreement and they tell me that once they have supplied my agreement, they are able to go down any route they choose to get their money - is this right? Any thoughts please or advice?

Finally, MBNA tell me that there has been a ruling in the courts a couple of weeks ago and that credit card agreements are enforceable - I haven't heard anything about this - has anyone else?

Many thanks

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Well they gota produce the agreement which i doubt they will, as mbna are known for buying up credit from others companies.

 

It fails to amaze me why the original crediter does not get a signed document from the lender agreeing to the debt being transfered under the new lenders terms and conditions.

 

Its not hard is it.

 

PF

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This has been going on now for approx 6 months - I have sent MBNA various letters (recommended on this site) asking for a copy of my signed agreement - nothing has materialised. They will not be able to provide one because I have never signed one - my agreement was with Beneficial Bank and MBNA took over. Anyway, I have spoken to them today (as they sent me a postcard telling me they were going to call me this week) - I have asked again for my agreement and I was advised that I needed to write in (enclosing a £1.00) - I explained that I have already done that back in May. Apparently, I had written to the wrong address!!! and it was my responsibility to phone MBNA to get the correct address!! I have also been advised that there will be a default placed on my account at the end of this month if I do not make a payment. They have also checked my other loans (apparently) as he tells me that I do not have any other defaults (can they legally do this?) and they cannot put a charge on a property as I don't own one!

He has given me the address to write to ask for my agreement - I am getting really frustrated by all this as I know they are not going to be able to supply me with the agreement and they tell me that once they have supplied my agreement, they are able to go down any route they choose to get their money - is this right? Any thoughts please or advice?

Finally, MBNA tell me that there has been a ruling in the courts a couple of weeks ago and that credit card agreements are enforceable - I haven't heard anything about this - has anyone else?

Many thanks

 

a prime example of why one should NEVER talk to anyone regarding monetary/debt issues on the phone.

 

demand everything in writing

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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a prime example of why one should NEVER talk to anyone regarding monetary/debt issues on the phone.

 

demand everything in writing

 

dx

 

I have got everything in writing - as per the letters on this forum, but they keep calling and I keep telling them the same things. I only asked for help - not being made to feel like I have done something terrible

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nasty beggers

 

just refuse to ans the security questions

they'll soon get the msg.......

 

as for the rest of the rubbish they sprout, i bet thats not in writing.

 

ok well CCA time and then sit back and wait fot its failure

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi Miss Strawberry

 

The best way is to not answer any calls from them as they only want you to pay over the phone, if they do catch you out just refuse to give them any security information.

 

Always correspond in writing and send any letters recorded delivery and print one out for your records with the Post Office receipt clipped to your copy and when you track it on Royal mails website you can write on the receipt when it was signed for. Then when you follow up with another letter you can state the date when any previous letters sent were signed for, this way they know you are recording your correspondence and it confirms your on the ball with them.

 

Use this address when sending any letters

 

MBNA Europe Bank

Customer Assistance Dept

Wrexham Road

Chester Business Park

Chester

CH4 9FB

 

 

Good luck and never let them get you down, its just a game :)

 

Gordy

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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