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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By Emily Carrington78 · Posted

      Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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      By Goodday · Posted

      Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   
    • unclebulgaria67
      Homeowner - Struggling to now pay minimums on unsecured debt

      By unclebulgaria67 · Posted

      Is your current mental health causing you to apply negative thinking? If the answer is yes, then you should get some advice. The following website link enables free mental health support. https://atw.maximusuk.co.uk/?utm_campaign=EMP-ATW-B2C-B2B-leadgen &utm_medium=PPC Google Text&utm_source=Paid Seach&utm_term=maximus mental health&

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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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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

MBNA/Arrow/Marlin/Mortimer Solictors **WON**

zamtaff

By zamtaff
in MBNA

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zamtaff

zamtaff

Posted
Posted

Not been able to put the story on site before as in one letter received Mortimers stated that they were looking at the site. SO I HAVE PUT THIS ON THE SITE IN HOPE IT WILL HELP

 

Anyway we won in court £3800.

 

The judge was not particularly helpful and suggested that the application form from MBNA was a credit agreement even with that funny signatute in the top left hand corner. WE discussed what all 4 corners meant as not everything can be put on two sides of the paper. I asked him then were is the clause 11 of T&C refereed to on the front of the application. This was quickly move on.

 

Further,i received a NOA which had the Date of assignment 00/00/00 stated The Judge said i did not need to know the date of assignment as it was commercial sensitive. Beats me why it said the case quote was irrelevant and does not affect that the debt is assigned.

 

DN this was a one that cracked me up the original send to me which i had should a date of 22 Aug 2008 to get the arrears paid, but when i asked for disclose the DN came back with this date being 25 Aug 2008, which would provide the 14 days necessary under s87. This was the only document that was different when i brought this up with the Judge, he was well its a screen dump and the date is an automatic entry Ok but the fist DN notice must stand. We then had a discussion about case law. The case then went to only the arrears being owed. I also gave the Judge my credit file and showed him a entry by Arrow which was before the date there said they owned the debt on the POC. He said so what this is a matter for the IOC.

 

We also had Rankine thrown in.

 

At last we got to were are the statements to show how any of this debt was calculated. None could be produced in Court.

 

After a 10 min rest the judge said unenforceable. On leaving he told the Claimenants solicitor to look up case 8QC52414

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zamtaff

zamtaff

Posted
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Posted

I was LIP

 

The T&C were the one's of the Microfiche the Standard issue. Whta i was saying that on the front of the application form is a section "read clause 11" well no where on this form front back is a clause 11. The DJ was try to say the T&C on the microfiche were with the application form. Which we all know is not the case. He did harp on about my signature in the box and that constitutes a credit agreement. I simple asked what was the credit limit how did MBNA work out the APR when must i pay. Anyway 2 hours and 30 mins what a waste of the courts time. but it must have cost Arrow a few bob.

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zamtaff

zamtaff

Posted
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Posted

yesterday 23 Dec 09 I got a letter from Arrow. They have send me

1 Copy Agreement

2 Terms and Conditions

3 Statement of account

 

The letter goes on to say " Please provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include ligation."

 

I do not like this Arrow Global, what can we do I happy to go all the way

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supasnooper

supasnooper

Posted
Posted
yesterday 23 Dec 09 I got a letter from Arrow. They have send me

1 Copy Agreement

2 Terms and Conditions

3 Statement of account

 

The letter goes on to say " Please provide your proposal for repayment of your debt. Failure to do so will result in the continuation of collection activity, which in your case may include ligation."

 

I do not like this Arrow Global, what can we do I happy to go all the way

 

Is this to do with MBNA ?

 

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supasnooper

supasnooper

Posted
Posted

I'm sorry but I don't have access to the quoted court case.

 

However, as the Judge has ruled the agreement unenforceable, I would point this out to Arrow and point out the issue of estoppal.

 

If they persist, tell them you will return to court to obtain a stop and desist order; with Arrow being liable for the full costs.

 

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