Jump to content


  • Tweets

  • Posts

  • 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
      • 160 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 ABBEY can't find my agreement. Help


sunboy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5100 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

I wrote to MBNA in November asking for my CCA for all my accounts with them. I received 2 agreements back but not the Abbey CC one which they have taken over. I wrote to them again in January and February as they were well outwith the time limit with no response. I hacve continued paying them in the meantime but today I received a letter saying that they were trying to obtain documentation from the other lender(abbey).

They have then said that I should continue paying them and quoted the judge from Mcguffick v RBS who apparently has said the lender can continue to demand payments even though the lender has not complied with the Act.

 

It is quite obvious that they do not have the agreement - what should I do? I was going to stop payments and see what they did as they have continued jacking up my interest rates even though I have never missed a payment to the point where it is becoming difficult to pay every month.

 

Why would they take on a load of accounts without the relevant paperwork in the first place?

Link to post
Share on other sites

Hi There

 

I am in the same boat they still have not sent an agreement after 9 months , I did report them to the FSO and won regarding the interest rate jacking, have you done this yet? if not its worth dong as they usually back down and all the extortionate interest is returned to you which will keep your repayments lower. Hope this helps

Link to post
Share on other sites

How did you do this? Can you please expand on your post as I have an Abbey and MBNA and they have hiked up the interest that much that I only pay about £5 each month off the capital!

They have, however, provided agreements. I am unsure as to whether these are enforceable or not though as I don't seem to be able to get my head round it and need to be sure before I do anything. No replies have really been forthcoming and I was quite disappointed as I was hoping to get help from other more experienced members on here. Would you mind having a look for me please and giving me your opinion as you obviously know what you are doing. Many thanks.

Link to post
Share on other sites

I would be really interested if you have had any interest returned. I complained to MBNA about my other card and they have reduced my interest rate from 34% to 24% - still extortionate compared to what I took the card out on and disgusting behaviour from them considering I have never missed a payement in 14 years. Should I write to them and request a refund of interest or complain to FOS

 

They still can't find my Abbey agreement and keep sending me letters saying they are looking for it - delay tactics!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...