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    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.   IMG_1475.pdf IMG_1476.pdf IMG_1477.pdf
    • Please will you upload your documents in PDF format in future. It is unhelpful to have them in word format and also word documents will carry personal details relating to you and your computer.
    • Thanks for letting us know that you had a conversation with someone – I sort of imagined that you might tell us what the conversation was – who said what to whom…
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MBNA and sale of debt


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Yes donkeyb, all of my correspondance appears to be identical to that american muscle has received,including the communications with Restons. I will continue with my agreed payment plan and wait til the new lot contact me. I am sure americanmuscle and I will receive communication around the same time. I will let you know what it says when it turns up, which isn't today as the post has already been and the phone is not ringing.Worriedsick, you are starting to make me worried sick! I am aware the agencies are **** but I managed to deal with 1st Credit after they took the threat and harass route and have a payment plan in place.

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Hi guys (and for Donkey, I loved the bit in PE about CAG)

 

My two pennyworths to inform the general debate: my two MBNA accounts (one old and dodgy and one new and kosher [from their perspective] were allegedly sold to Paragon/Idem/Idem/Arden as delinquent about four months ago; at the time MBNA were trying to exit entirely but couldn’t find a buyer at a suitable price (which speaks volumes). I guess they’re exiting in bits selling their tat in a series of car boot sales.

 

What is odd is that I was also invited to maintain my arrangement with MBNA which of course I declined given that they had appeared to have issued a notice of absolute assignment; the new bandit(s) re-designate the account as a loan with a new number but will provide no documentation and fail to respond to formal complaints with a final response without which I cannot complain to FOS (as I helpfully point out to them); result, silence.

 

love

 

vic

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Victoria, it is my understanding, if the company refuses to give a Final response, then you are permitted to take your complaint to the FOS - and simply adivse FOS that communication appears to have broken down and the creditor is refusing to provide a formal Final response letter !

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

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:)

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

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I'm not sure if the new owner can also apply to be replaced as the beneficiary of the CO. That's one for Andy.

 

 

A judgment debt can be assigned with or without a CO in place provided the details are updated to the Court from the Assignor /Assignee.But once already enforced the terms of the judgment cant be changed.(Unless they make application for further redetermination)The CO is merely a security aspect and has no relevance on the judgment.

 

The assignment of a judgment debt is subject to equities, meaning that the debtor can raise defences to enforcement arising out of the subject matter of the assignment.See section 10 of the Limitation Act 1980.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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If you want advice on your Topic please PM me a link to your thread

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Thanks Andy.

 

Luckily there’s no issues on this thread about the OPs wanted to evade their debts. I think the issue at hand is what will/can happen now, and to make sure they are not disadvantaged in any way. But the chance to lose a charging order is always a good thing.

 

Now off to read section 10...

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Thank you Andy, so basically they can sell the debt and it's tough luck, should I just continue with the payments as I am doing as someone has said I am not evading or denying the debt but simply paying what I can afford even though it is going to take a long time to end.

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Thank you Andy, so basically they can sell the debt and it's tough luck, should I just continue with the payments as I am doing as someone has said I am not evading or denying the debt but simply paying what I can afford even though it is going to take a long time to end.

 

 

Yes, you should continue to pay MBNA until such times as the new owner provides you with new bank details.

 

If and when they do contact you, can you please scan in the letter so we can advise further. If you follow the instructions below you shouldnt have any problems. Remember to edit out personal information :)

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

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

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Thank you citizenb, when I hear something I will follow your instructions, yours and everyone else's help and information is greatly appreciated. Just when you think things are evening out, something comes up to bite you.

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hi there,

 

just to keep you up to date, i got a letter from restons after writing to them, they told me that they are acting on behalf of marlin and to continue to pay £50 to them as before, no interest has been added but can we review your payments. For me I will continue to pay £50, my income is down due to my increased pension payments enforced by the government and also increased gas and electricity and the emergence of a debtor i wasn't paying, no disposable income now!!!!

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Jeez. This is totally out of order on Reston's part. They are telling lies.

 

Who you pay is irrelevant. What matters is who 'owns' the CCJ.

 

Complain to SRA. Quick.

 

Would love Andyorch's input on this.

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wantinghelp

 

..... if the claimant wishes to be substituted it must apply [see CPR 19], there is no automatic right. Continue to make payments in accordance with the order until you receive notice. You can check with the court to see if the other side have filed, would probably be heard without notice [rubber stamping exercise]

 

http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part19#IDAADKCC

 

Please bear in mind that the other side can revoke an earlier agreement, in writing, and at any time, so it would seem prudent to furnish them [Restons] with I&E if you wish to decrease payments. In the instance of revocation promissory estoppel would no longer apply.

 

Db's right though...... very shoddy response from Restons.

 

SRA.......... Solictors regulation authority

 

Phil

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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... 

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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... 

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what is sra?

 

Solicitors Regulation Authority

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

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