Jump to content


  • Tweets

  • Posts

    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

MBNA/Reston threating court action


jason_mnm
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5087 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

sorry it is ceratainly against OFT guidelines

thatts for sure

they need reporting.

 

hic:D

 

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... 

Link to post
Share on other sites

  • Replies 430
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Jason.

 

This at the moment is just a THREAT of court action, yes ?

 

In which case you need to send a Subject Access Request to MBNA. This will cost you £10.00. I would suggest you send the £10.00 in the form of a Postal order. Send the letter, including the Postal order by special delivery or recorded delivery mail. The company have 40 calendar days to provide you with information.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Until you receive a County Court claim then you are not able to send a CPR18.

 

By telephoning Restons or MBNA you are only making it more difficult for yourself. So stop. Keep everything in writing.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi guys do u think I should send a letter to Restons not to go to court as this will be waste of time untill I received my subject access request and also CCA request that I sent to Restons... Should I put the accounts in dispute? Should I write to FOS complaining MBNA asked me to remortgage property to pay their debt? Please advise...

Link to post
Share on other sites

Need quick advice..on my following letter should I refer to both Abbey and MBNA???...

 

To,

MBNA Europe Bank Limited

Customer Assistance Department

PO Box 30

Chester Business Park,

Chester CH4 9FD.

 

 

Data Protection Act 1998

Subject Access Request

 

Dear Sir/Madam,

 

Credit Card Agreement: xxxxxxxxxxxxxxx

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:

 

  • The original signed, executed credit agreements and any terms and conditions that applied to the account at the time of default and at the time the account was opened,

  • Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with Abbey credit card and/or MBNA.

  • True copies of any notice of assignment and default notices or enforcement notice that you/Abbey sent me, with copy of any proof of postage that you hold.

  • Documents relating to any insurance added to the account including the insurance contract and terms and conditions, date they were added and deleted.

  • Details of any collection charges added to the account; specifically, the date they were levied, the amount of charge, a detailed financial breakdown of how the charges were calculated, and what the charges cover.

  • Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

  • A genuine copy of any notices of fair use of my data as required by the Data Protection Act 1998.
  • A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

  • Copies of statements for the entire duration of credit agreements.

  • Termination notices.

 

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in HIGH Court Law-Ezsias V Welsh Ministers – [2007] All ER (D) 65 (Dec).

 

You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007).

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

Edited by jason_mnm
spelling
Link to post
Share on other sites

Hi Jason heres a link to my thread on subj access info advice, I too thought better than them stalling me for the info I wanted to send a copy of proof although advice on this thread said you shouldn't need to. http://www.consumeractiongroup.co.uk/forum/mbna/203137-subject-access-mbna-debt.html

 

Copy of my subj access letter attached too should you feel it apt. I was up against MBNARestons in court in July as this duo did not want to compromise on payments I could make like other creditors have done. I am with Payplan, the judge has halted everything to them since then & sat on the case since so no news is good news for me for the time being. Your welcome to take a peek at my thread should it help you anytime....http://www.consumeractiongroup.co.uk/forum/legal-issues/185814-court-papers-help-required.html

 

Good luck in persisting with your stance, do everything in writing as per the advice you've been given and you wont go far wrong in having all your evidence to back it up should it ever get to the county court procedure stages ;)

MDAW Subject Access.doc

CAG NEEDS FUNDS PLEASE DONATE AS MUCH OR AS LITTLE WHERE POSSIBLE

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

Link to post
Share on other sites

Hi westie and Mark thanks for the reply. But Restons cannot get charge on the property, same was tried by Natwest to whom I owe huge amount. MBNA comes 6th on my creditors list. Hecne ther is no way Restons can get charge on the property which has no equity at all...

Link to post
Share on other sites

In that case I am going to report to The OFT, THE FOS , The local MP and Prime Minister and Opposition Leader and the Chairman of Treasury Select Committee telling how Restons affecting people's life and to take action against them..

Link to post
Share on other sites

Well I will win...and I have done it before... and will also get Restons reported to all respective bodies and Government Ministries for getting people life miserable by their dirty tricks...

Edited by jason_mnm
Spelling
Link to post
Share on other sites

Hi Jason,

 

Send the SAR to MBNA but don't include the statement which you suggested - if they need anything from you, they can let you know. Use this template, adapted as nec'y - http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request-

 

Send a copy of the letter to Restons pointing out that the a/c is in dispute with regard to unlawful penalty charges and they should therefore withhold all collection activity until this matter is resolved. Remind them that the OFT Debt Collection Guidelines state that they must stop collection activity.

 

As regards reporting Restons to all and sundry, wait and see what happens and perhaps use the letter (their letter which suggets you should borrow to pay them) as a bargaining tool further down the line.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Use the template SAR. If you want to add specifics about what you require, then do so.

 

It'll do no harm but the SAR is a letter asking for all data held about you, so no specifics should really be required.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Restons are not responsible for sending you any information, it is the bank. The debt has not been assigned to Restons, they are simply acting as the bank's solicitor.

Yes & dont we know that!!! My SAR was headed to MBNA anyway if you had cared to look.

 

 

Restons can be very ruthless in their approach unfortunately.

 

Yes & dont we know that!!!

 

I understand what your saying, but from my experience in dealing with MBNA in that resepect, i believe that they will have a copy of the original agreement. It is then up to you to pick fault with the agreement, whether the details of the agreement are correct ect.

 

As I said before, the debt has not been sold or assigned to Restons, they are just a firm of solicitors acting for the bank.

 

They are not responsible for sending you any information, the bank is.

 

I have known of other Abbey Credit Card customers trying the same as what you are trying to do, but have not won.

 

Mark you believe they will have copy of an agreement :idea: I dont think so in alot of cases. Restons certainly do not intimidate me and anything they want to try in my case will be challenged to the hilt....

 

Jason hope my extended info on the SAR details have helped. Might aswell ask for the lot & get your tenners worth!!!

CAG NEEDS FUNDS PLEASE DONATE AS MUCH OR AS LITTLE WHERE POSSIBLE

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

Link to post
Share on other sites

I must say, I don't agree that you should call Restons. Contact is better kept in writing.

 

If you DO decide to phone them, make proper notes immediately after any call so you have a written record of anything discussed. Sign the notes and add the date and time.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...