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    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • Well the fact that he is doing this suggests that he has a certain awareness of his responsibility – but I really don't know what to advise. We know what your rights are – which is that he should give you a full refund. On the other hand, maybe this is the best you are going to get without court action. As he is prepared to make this gesture, maybe he is prepared to listen to reason and give you your money back – or most of it. Maybe you could offer him a deal that he takes the car back and returns thousand pounds to you – you might then eventually settle for £800 or £900 – which of course leaves you out of pocket but at least you would have escaped the problem. Given the risk of the problem of enforcement, maybe that could be a way to go. It's so difficult to know what to make of it. Maybe he feels vulnerable to the risk of a legal action against him. Maybe he doesn't understand the procedure and you could tell him that you will send the bailiffs to his home if he pushes it that way – but on the other hand maybe that will simply get his backup and you will lose the tiny shred of goodwill. I'm sorry, I still don't know what to say. I think we've explained the law to you and we try to outline the risks – but I think it's time now that you need to make your own decisions based on your own judgement. I don't envy you  
    • Hi guys, I'm not sure what happened to my last post about a court date, but I received the letter of small claims, where it stated the claimant has 28 days to pay the court fees, and after which each party has 14 days to send all of the parties copies of any documents they wish to rely on   Last week I received another form from the courts, remote hearing 13th October. So I have a few days to submit my documents. However the new letter is unclear as to whether this is now 48 hours or still 14 days. i will call the courts to give my number as adbvised in the letter   ive attached the letter with personal details removed each party liaise with each other to share their bundle?   Are there any examples of a defence bundle? ive found this case on here whiich seems similar   im presuming my bundle should include my defence documents, in the above link DX100Uk refers to a statement, anything else as it states at the hearing they may not have access to the court file?   My next  steps were: - call court to give telephone - wait to see if the court fee has been paid - is there a way to do this, just call the courts? deadline would have passed by now? - prepare bundle, not 100% sure of this but will start to compile what i have - await the other party bundle - hearing date           Found another thread here: witness statement seems to be related  
    • (Moved to the Private Land Parking Enforcement forum).   The fact you're in Scotland definitely helps.  In England due to the POFA 2012 they can, under certain circumstances, peruse the keeper of the vehicle.  In Scotland they can only go after the driver - and they don't know who that is! 
    • Hi all,   I just wanted to give you an update and ask for further advice.   The car has been taken to a local garage today and we have been sent a video (just a close up of the engine with the broken pipe) of the suspected issue which they have said is an air flow pipe which has broken. He said it wasn’t broken when the car was sold to us and so he will buy the part & we pay for the labour.   We really feel that he should pay for this entirely, I also don’t want to set a precedent by paying for the labour if things deteriorate further with this car.  He also hasn’t stated how much the labour is, something we will ask when we respond to his message.   How do you think we should proceed?  I don’t want to take the wrong approach now.
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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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
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      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 .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

MBNA Virgin CCA Request


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Hi cagers,

 

I have an MBNA Virgin card with £5000 on it. Lost my job and was out of work from august till now and i wont get paid untill the end of this month. I informed MBNA of this and that i would not be able to make a payment until the end of this month. Now i am getting bombarded with calls from them and have stopped answering but still they try despite them being fully aware of the situation and the fact they WILL get paid on the 29th Oct. As a result i have decided to see if they actually have the correct paper work and do a CCA request. Does anyone on here know a good contact name and adress for MBNA? Also if you could take a look at my letter below and see if it looks ok. would be much appreciated.

 

 

Dear Sir/Madam

 

Re:− Account/Reference Number *********

 

This letter is a formal request pursuant to s.78(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

I look forward to hearing from you.

 

Yours faithfully

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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