Jump to content


  • Tweets

  • Posts

    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

New customer of Link Financial, old MBNA card


oldagehappens
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3102 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

thread tidied

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 62
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Anybodys thoughts to the question before the uploaded PDF's?

 

[ATTACH=CONFIG]35487[/ATTACH]

 

My main thought is what is the purpose of the X at the top of sheet 1 next to the bit that says 'credit agreement illegible'? Does it mean, as most people would probably expect, that the alleged agreement which they have accessed is illegible? Or does it mean 'not illegible' - using the logic that X could mean 'yes' or 'no' if they also have the option of using a 'tick' (couldn't find character) to mean 'yes'. However I think this would be a bit too complicated for the Link droids to remember so it probably means the agreement (if any) is illegible, but it might be a good idea to clarify/confirm this with Link.

 

Just ask the question directly.

 

Cheers

Rob

Link to post
Share on other sites

oh, ok. I shall make a note on your account that you are failing to co-operate and esculate to the next level..

 

Someone made a comment like that to me once and I replied ' Can you also make a note on my account that I said I think your a d*ckhead', this threw the called off script and by then I had got bored of the guy and put the phone down.

Link to post
Share on other sites

My main thought is what is the purpose of the X at the top of sheet 1 next to the bit that says 'credit agreement illegible'? Does it mean, as most people would probably expect, that the alleged agreement which they have accessed is illegible? Or does it mean 'not illegible' - using the logic that X could mean 'yes' or 'no' if they also have the option of using a 'tick' (couldn't find character) to mean 'yes'. However I think this would be a bit too complicated for the Link droids to remember so it probably means the agreement (if any) is illegible, but it might be a good idea to clarify/confirm this with Link.

 

Just ask the question directly.

 

Cheers

Rob

 

I thought this too. Okay, so they have sent a copy of the agreement with my signature on "albeit" a photocopy but it's still my signature. It's the T&C's that get me thinking along with the X.

 

I have the original T&C's and they are NOT the same as the recon versions sent.

 

I'm not sure on to respond to Link on this one...

 

Any help would be great.

 

Pretty please!

Link to post
Share on other sites

There should be the Original Ts & Cs and the ''current or final''

ones, my guess is that you have the final ''updated'' ones.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

There should be the Original Ts & Cs and the ''current or final''

ones, my guess is that you have the final ''updated'' ones.

 

My first thoughts were MBNA just sent out their current T&C's.... I took this card out back in 2005 so Im guessing they dont have those terms from back then.

 

I read a post somewhere that Link need to send the original terms along with the CCA request else its void...

 

Does anyone know if this is true?

Link to post
Share on other sites

No it is wrong, a CCA request is for the agreement

and a statement of the account (up to date).

The agreement would have the Ts & Cs.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

No it is wrong, a CCA request is for the agreement

and a statement of the account (up to date).

The agreement would have the Ts & Cs.

 

Interesting, there was no statement of account, just the agreement and what I call fake Terms

Link to post
Share on other sites

Challenge the ts&cs with a complaint to the compliance manager.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 3 weeks later...

all part of the process to spoof you into paying them.

 

when was YOUR last use of the card in/out?

 

does this debt show on your cra file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

so link dont own the debt

its still shown as virgin as the owner?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Oh dear oh dear......

 

Will be sending the CCA request tomorrow JUST 2 DAYS AFTER LETTER ARRIVED!!

 

Just had a call from Rio at Link, told him I have replied and you will receive the letter within 48 hours. He asked what it said, I replied "You will see in 2 days and please from now on I ask that you only contact me via letter"....

 

oh, ok. I shall make a note on your account that you are failing to co-operate and esculate to the next level..

 

It actually made me LOL....

 

Very funny. Im not sure one could be any more co-operative in truth, replying to theor letter so fast.

 

 

 

 

So, Link are now calling my parents house which I havent lived at for years and still DO NOT contact me by letter.

 

 

Your parents should write to Link Head Office advising that they do not appreciate intimidatory calls for someone who does not live there. That they are "demanding" that their details are removed without delay from Link's database.

 

Then your parents should make a complaint to the Office of Fair Trading.

 

MBNA and Link have been publicly shamed in respect of using the telephone as their weapon of choice in debt collecting.

 

 

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

 

You need to start collecting data - a Subject Access request to MBNA is your first step - it will cost you £10.00. MBNA have 40 calendar days to comply and you entitled to receive all the data they hold in respect of your financial history with them. There is a draft letter in the CAG library, linked at the top of each screen.

 

In respect of your CCA request you are entitled to receive and the company is obliged to send in order to comply.. a copy of the agreement either the original or reconstructed. Terms and Conditions from both inception and current. A statement of account.

 

The above is just to satisfy your s78 request.

 

Whether or not they are compliant sufficiently to start litigation is another matter.

 

In Harrison v Link, it was judged that the information supplied did NOT comply and Mr Harrison won his case.

 

Harrison v Link Financial Ltd ALL ER (2011).pdf

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

ignore them

 

can you not pay something to mbna on a regualr basis say £5?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks people. Its strange, when I couldnt make the mimimum payments with Virgin they call me, ran through my income and then said I dint have enough money to pay them so they wouldnt take any. I didnt hear from them for 6 months and then the letter comes saying they have passed on the debt to Link.

 

Few weeks later the Link letter came asking for the money, followed by the rude calls. Its taken them 45 days to respond to the CCA request with is a recon version. Incorrect terms, photocopy agreement.....

 

I could go back to MBNA but assume as they have already wrote to me would refer me back to link.

 

I really dont want to do all this he said she said business.

 

If i propose to pay Link £5.00 each month will they accept? will in 3 months they start demading higher payments?

 

Grrrrrr

Link to post
Share on other sites

they nor anyone has any legal right to know you pers financial details!!

 

MBNA can be a had nut to crack

but

as with ANY creditor

its YOUR money take control.

 

pers i'd write to them TELLING them they wil only be getting £XX for XXmts

as a GOODWILL gesture in times of financial hardship.

 

as a reciprocal gesture of goodwill, you require them the freeze all interest & refrain from levying any unlawful PENALTY charges .

which under published guidelines, they should, t help you.

 

should they fail to help

 

you will have no alternative than to DROP your payments to £1PCM till you die.

 

......

 

as for paing them

 

do it via YOUR internet banking site.

never miss a payment once you state you intentions

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...

Is that it? No Ts & Cs? It's legible alright, but is it enforceable?

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

Is that it? No Ts & Cs? It's legible alright, but is it enforceable?

 

There are other parts that I've posted earlier.

 

They did send T&C's although they were totally different. I questioned them and they have replied advising they've ask for the original ones. As yet I havent received them.

 

So what happens if they cant provide the original T&C's? Is this enough for them to enforce it?

Link to post
Share on other sites

They should send the original Ts&Cs and any updates and amendments.

 

As the image is far too small to tell it's difficult to advise on it, as to enforcing

it they have to get a judgement first and there is quite a way to go before that

happens.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...
They should send the original Ts&Cs and any updates and amendments.

 

As the image is far too small to tell it's difficult to advise on it, as to enforcing

it they have to get a judgement first and there is quite a way to go before that

happens.

 

Sorry, its got two links in there but I have uploaded a PDF which is bigger. Its the first part of the reply.

 

Link have now responded to me challenging the T&C. They have just resent the original response to the CCA request which again, does not include the the original T&C's.......

 

Where do I go from here? Go back with a "Account in dispute" until they send the original terms?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...