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    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
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MBNA been a real pain to family member


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Family member finally came forward and asked me for help with some problems they are having

with MBNA.


Story is:


Recently got refund of £813 for charges, mbna admitted nothing but took the refund off the balance and not the arrears and remainder to customer.

Now been phoning every day for arrears which is now mounting up with charges been added all the time.


Got some paperwork off them and found a CCA reply with a CCA attached.


It looks fine but after reading over some gaffs that they do, I have spotted one on the terms at the back page, no condition 14.1. (does this help make it unenforceable)

Also no notice informing terms on the back of the application form.


Can't post any pics up as someone has marked all over signatures,numbers etc.. and I know we have spies in here.


Looking for a mod to pm me and I can send some links to the pictures, all id data has been removed.


The marks are very strange to me and I suspect " they are watching us" and don't want to give anything way.






Since MBNA didn't actually pay out the charges refund can they be claimed for again but this time with compound interest and hit them hard.


Any advice gratefully received.

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Edited some of the pictures and have now received a default notice.


CCA Front page



CCA Back Page



No mention of the terms & conditions been on the back of the CCA and no term 14.1 anywhere on the CCA or

the agreement pages below.


Agreement / 4 pages


http://www.karlshardware.co.uk/mbna/agreement 1.jpg






Now also a default notice:




Any help /advice on next step to take will be gratefully received






Edited by biggeorge
link wrong
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Any signatures on the application form Big George? The agreement looks very like the one they sent me and had to discontinue in court. Is the application form shown on the link?


Default Notice looks short of time to remedy i.e. they haven't allowed for postage and only working days are counted not weekends.

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For what ever reason my link to the CCA is showing capital MBNA in the link, lower case works fine.

Will up a version to my hosting so links will work correctly.


Yes there was a signature on the CCA and a stamp 1997, its an old account.



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Hi there. I recieved an identical default notice to the one you have recieved (except personal details and amounts obviously) The dates are exactly the same on mine and I was wondering if the dates are acceptable or is Miss Muppet correct when she says there isnt enough time, making it invalid? I thought it was a total of 17 days from the date on the letter generally which I thought would be 9th plus 17 days = 26th meaning they had done it correctly. I would love someone to confirm its too short though :)

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Hi have been looking through loads of post regarding Default Notices and still no closer to finding the answer.


The Default Notice should give 14 clear days, does this include weekends or not?


The Default I posts up was dated 9th and remedy by 26th - Total 17 days

Take 2 days for service and there is 15 clear days unless weekends are not counted.


Anyone have a definite answer?


If the Notice is fine on time allowed then since the arrears owing also includes charges would that make

it invalid?



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