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    • SERCO seem to be a default company that Government use to perform contact centre type tasks. So any department faced with a problem, say a sudden increase in incoming phone calls, which they cannot handle, because they are dealing with more immediate issues such as making payments to the public, may in the short term involve SERCO.   SERCO seem to employ a lot of security cleared, DBS checked, financial checked etc employees, so they seem to equipped and ready to manage tasks on behalf of Government departments.   No idea just how much work SERCO does on behalf of Government, but I should imagine it makes up a sizeable chunk of their business.   Public Health departments may want to perform the work themselves, but given the number of employess required, the recruitment process involved, the hours of work 24/7 and just how quick they need to be set up to perform the work, I question whether they are better placed to do so.   I wouid always prefer public sector employees over outsourced contracts, but I can understand why Government uses companies such as SERCO. 
    • Well, we’ve found something we agree on.   you’ve described the unfairness, but haven’t said what (realistically!) you feel your options are.
    • There's a campaign against Serco and in favour of local public health people. Apologies for one bit of language but it's a memorable slogan.   https://twitter.com/i/status/1309910583790252037  
    • Hi.   What type of lease have you had up to now please?   HB
    • my options are if they can be shown they have some responsibility as they did earn commssion and the resturant has its payment. so both parties and paid and i lose out. if we can show they have some moral if not legal obligation then maybe they can give me some refund if not all.   imagine how many others being screwed over too?   beacuse it is online are we to be cheate for now untill goverment decides to govern this area of ecomerese or something?   i dont have a clue.
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
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      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
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Original Terms & Conditions of MBNA Credit Card


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Does anyone hold a copy of the T&C on an MBNA Credit Card between 1996 - 1998?

 

Or is there an online archive where I can find the aforementioned document?

 

Failing that, does anyone know if when a debt is sold that the interest on the debt be frozen at that point?

 

I received a letter from a DCA stating that they have purchased an account of mine (some years ago now) but after further checking it would appear that the DCA do not hold a copy of the original t&c and yet they have applied interest to my account.

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Hi.......you say DCA purchased your debt some years ago,How long ago????? and have you made any payments??????The interest can be applied when a debt is sold depends on which DCA pond life has purchased your debt,if you fill in the blanks I am sure we can help............all the very best....FS

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Sorry, I should have been a little clearer. There is no issue with statute barred, I have been paying them. It is just that I have obtained some information via my Subject Access Request and part of this is there is a letter stating that they purchased the debt way back in xxxx

 

My concern is that they have appplied interest where they should not of and at the same time as this I would like to see a copy of the original terms and conditions of the original credit agreement to see if there was any provision for interest to be charged once they the original creditor had sold the account on to DCA.

 

At this point I do not wish to divulge who the DCA are, I have a few matters ongoing with dcas' this is just one of them.

 

I cannot quite understand how a dca can first say they have purchased a debt and then go on to say that if I want a copy of the original credit agreement that I need to apply to the original creditor? To me, if the DCA is charging interest then they should be able to provide a copy of the agreement and the individual terms applicable to me from that agreeement, afterall, they have purchased the debt but the Subject Access shows no trace of this document.

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Send them this;

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Assuming they have already received your CCA request.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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