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    • that doesnt tell us enough about activty on your bank account nor about any other red marks on your credit file. The CIFAS marker isnt about a phone contract so what exacty was the contract for?  you say data but that will come under a service contract so would it be possible to use massive amounts of data improperly and then not pay for it? what about your bank account, were you in the red? were you paying funds into the account from recognised sources like salary. Did you have any other DD's on that account.  
    • can you get some phots of the roof and eaves ect without trespassing on his property? insurers will have to amke good if it is your neighbours property that is causing the problem but i would ask a surveyor to have a look first so you know what to say from the outset to get the best outcome. Your local council also has powers to order them to take action but as they wont engage it may well take the 3 years you ahve given yourslef for the house move
    • you have been stiched up  but you really should have walked away from this well beofre reading the paperwork, let alone signing it.   However, the incentive is part of the contract, same as being given a free gift as part of a sale doesnt mean the retailer caqn give you somehting that is broken and not make good just because it was "free". so, back to the incentive and the terms you signed. Chances are the terms make the contract voidanyway but we wont knwo that until we see it. give us a good idea of what this is all about and you may well find a couple of people will give you the advice you need.
    • I have given them independent reports from two roofers that say they are beyond salvageable due to the upward curl on most of them along with a few cracked.    I have given them 3 quotes for removal (I was / am happy to pay for the reroof, but was based on it being slate as I could have taken it down myself.)    They have been out and taken photos themselves of the current roof along with pictures I sent in when we first found out it was asbestos after that was done was when they offered the £200 and they wouldn't comment any further on the matter.    They have asked me to have it tested officially opposed to an visual inspection but each time I ask them will they cover costs if it does come back as asbestos they ignore the question, three times I have asked.    It was 3 years ago but I first raised the complaint at the start of this year.    The age of the roof in question dates back to the 1920s when the house was built, the main building had its original bare Welsh slate roof with limestone mortar. 
    • Agree, you need to start a formal complaint and keep it in writing but also make it clear what you expect as an outcome. An apology and some commitment to better staff traing regarding general customer services but specifically handling of medical emergencies would be in order. They have a responsibility for the health and safety of all peopel on the premises and it does look like this point was sorely missed by the manager. i would also expect them to write off the cost of the ruined meal as well, you didnt paln in advance to ahve one of your party leave in an ambulance so their actions are pretty shoddy
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Sand-Dancer0191

Is this a valid agreement MBNA

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Just recieved a responce to my CCA request........BUT....what they have sent me is a signed application form. With a sub heading "Agreement regulated by the CCA 1974".

 

The box with my signature also states "This is a Credit agreement regulated by the CCA 1974"

 

Now this was with MBNA and signed in oct 1999.

IS THIS A VALID CCA AGREEMENT as it wasn't approved until nov 1999.

NINE days after submitting the signed application form.

 

All it has on it is my personal details, employment details and personal financial details.

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Moved out of Successes.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi,

The best thing to do is post up the "agreement" (minus any personal info, barcodes) and let us have a look at it.

 

Until we see it, we can't advise.

 

fox


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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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All it has on it is my personal details, employment details and personal financial details. nothing else

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From what you say it could be duff which is why I asked to see it however, if your "agreement" has the prescribed terms missing, it is unenforceable in a court. The prescribed terms are:

 

The APR

The credit limit or a statement saying one will be allocated

The repayment terms

Possibly cancellation rights (dependant on where it was signed)

 

Have a look and come back. We can take it from what you respond with


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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no apr

no credit limit

repayment terms and rights on seperate page headed General Financial and related conditions

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