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    • When you post information here you will have to post it in single file multipage PDF format. Follow the upload link. However, it would be more helpful if you could simply answer the questions that we have put to you and we can deal with paperwork afterwards if we think we need it.  
    • I was trying to post all the paperwork that I have, namely facebook ad, messages between the seller and my son etc . But I'm getting the message that the files are to large. 
    • First of all please can you tell us the name of the seller, something about the van – age/year, mileage, price paid. How far away is the seller from where your son lives? Who do you take it to for this inspection? Are they prepared to give you a written list of the things that they found? This is very important and you may well have to get an independent inspection from somebody such as the AA. This will cost you some kind of feedback we expect that we will be able to help you get it back. I would say that if you have to bring a court claim – which is likely – then your chances of success are better than 95% but the difficulty might be enforcing the judgement against the seller. We will have to no more in order to give you better advice. Does it have an MOT? What is the date of it and who gave it the MOT? I suggest that you start taking pictures of all of the defects that you can find.   Also I am going to say that I believe that you came over from Facebook where you were already informed that we would need at least all of the information which I have requested above. It will save a lot of time and effort for everybody if you can simply come up with the things that we ask without too much delay
    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive, and an untrained eye would not of seen what the seller had done.  Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.   
    • The economy grew by 0.6% in the first three months of the year, ending a shallow recession.View the full article
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      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.

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harrison v link mbna card


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Yes we are aware.

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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I was just about to post this. At last it has been recognised by a court, the disgraceful harassment and torture meted out by CCC's and DCA's towards consumers. It is also refreshing to hear of such a large sum (over £20,000 in this case) being written off by a court as a result of a CCC being unable to prove it had issued terms and conditions at the time the card was issued. It is surely now a job for the OFT to finally take the CCC's and DCA's to task for their tactics.

 

As a consumer currently caught up in a similar battle with MBNA, it has given me heart to continue fighting the good fight.

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I read about this and was overjoyed when I found out that this man's debt had been written off by the High Court judge because of the shameful way that MBNA and its henchman Link Financial had behaved. I am heavily in debt and to be truthful MBNA was the start of my problem. I always paid them, never missed a month but the interest they put on my account was crippling, it was disgusting. I wrote to them and asked if I could have lower interest rates applied and they would always respond by upping the rate. I did a couple of balance transfers to get rid of them- now have loads of debt elsewhere because of this. I reported them to the Financial Ombudsman but got no joy. Now I am very pleased with this result. So pleased that I have penned a letter to MBNA, telling them what I think and how delighted I am of the outcome. Childish I know but it made me feel so good.

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  • 2 months later...

In todays BBC News online:

 

A man whom a High Court judge said was "tortured" by hundreds of phone calls from his credit card firm has spoken for the first time about his ordeal.

Keith Harrison, a businessman from Buckfastleigh in Devon, spoke exclusively to the BBC about the telephone harassment that the MBNA credit card firm, and the debt collection firm Link Financial, had used to try to make him repay his outstanding credit card bill.

"They were condescending and rude. The bottom line is they don't believe what you say," said Mr Harrison.

"Whatever you say about your circumstances they are not interested, they just want you to get your debit card out," he added.

The lenders' behaviour was so bad that it contributed to a decision in February, by Judge Nicholas Chambers QC at Mold County Court, to write off just over £20,000 outstanding on Mr Harrison's card.

"I am satisfied that the claimant's description of the way that he was hounded by his creditors is essentially correct not least in the use of "non-traceable" telephone calls," the judge said.

"[There] can be no excuse for conduct of which it must be supposed the sole purpose must have been to make the claimant's life so difficult that he would come to heel."

Running into trouble

 

http://www.bbc.co.uk/news/business-13199797

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It S good that some one stood up and won aganst mbna many people wish they could when will the powers that be take a serious look at mbna and way it works?

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