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    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
    • Hi she did say she was cancelling and returned the equipment. It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up. I know Sky haven't done that to me. She didn't see that email as she's had lots of stressful situations. No.letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract. Like you say there should be recordings. BT mobile contract is separate to broadband and the cancellation fee is for the broadband. They have blocked her mobile so she can't use it and that is a contract. She is phoning CAB in the morning and checking through her paperwork. I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract. Thanks for taking time to reply it is much appreciated. 
    • I've sent an email to a press contact And one to a journalist at the BBC!
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Claim form Northampton CCBC - from Britannia Recoveries. sold MBNA card debt - urgent guidance needed


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I had a Virgin Credit Card that MBNA operated. MBNA never responded to my CCA request and sent them 'Ac in dispute' letter ages ago. I kept up the £1 token payment until this Xmas. Now they have sold to Britannia recoveries and their cronies are asking for full payment.

 

What should I do?

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I had a Virgin Credit Card that MBNA operated. MBNA never responded to my CCA request and sent them 'Ac in dispute' letter ages ago. I kept up the £1 token payment until this Xmas. Now they have sold to Britannia recoveries and their cronies are asking for full payment.

 

What should I do?

 

 

 

Had the same this December. Write to Britannia and tell them Account in dispute due to no CCA. Most of these MBNA agreements are not worth Jack (pre 2007 ) just got ex Mrs Hippy off one of thes and hers were 2006

[sIGPIC][/sIGPIC]Happyhippy1959

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Did they (MBNA) agree to you paying them £1 ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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  • 5 months later...

I used to have a Virgin Credit Card and about 3 years ago could not pay because my business went down and I did not have a job.

 

I offered and continued to make token payments of £1. This continued for 2 years but when I did not receive statements I stopped it.

 

In the meantime, I had a letter from MBNA requesting payments. I sent a CCA request - no reply - Account in Dispute - no reply - Account is serious dispute - Zilch.

 

Then about 3 months ago I received letter from MBNA to say that my account has been sold to Britannia Recoveries.

Their agent wrote to me and I responded by saying that the account was in dispute that I intend to make a formal complaint to MBNA.

Nothing after that and now this claim.

 

Claim states - MBNA CC agreement... acrued balance... defaulted on payment... formal demand sent for full payment... amount now due.

 

I need help urgently to acknowledge and respond to this claim.

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Thread moved to Legal forum.

 

The guys will be happy to help as soon as they are available.

 

To help them out can you type up the particulars of claim word for word and also let them know the date on the claim forms please.

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It is form N1CPC (Claim form 01.12) and Particulars of Claim as follow (date 4th July 2012)

 

  1. A credit card agreement made between MBNA and the card holder (D)
  2. D accrued balance #xxxx
  3. D defaulted on payments
  4. C issued formal demand requesting payment dated ddmmyyyy
  5. Amount now due from D #xxxx

 

It arrived on Fri 13th probably got misdelivered and reposted.

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URGENT

Anybody out there?

 

I was just about to acknowledge receipt online but am stuck. The Claim said all I need is Claim number and password and to my horror I discovered I needed Govt Gateway details which I don'rt have. I need this form to be with them on Monday 23rd.

 

Does anyone know their email for Fax number?

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Two threads merged

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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We could do with some help from you.

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Thanks andyorch. I posted update but it got deleted in thread merge. I managed to acknowledge online but need help in putting defence together. Never sent letter suggested by 42man. Was undergoing stressful times for fear of losing job and resulting stress at home. What should I do, now.

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Hi Lilly

 

You have 33 days in total ( 5 deemed served so 28 ) 14 days to AoS and if you are defending a further 14 days to submit your defence.What date is your summons?

 

Andy

We could do with some help from you.

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No summons yet (if I understand you correctly). Just a claim with forms to acknowledge or admit and sheet for income and expenditure. Forms received - N1CPC, N9CPC, N9A(CPC) and N9b(CPC).

 

By the way, I did tell Britannia that the account was in dispute and I wanted to lodge a formal complaint with MBNA

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No summons yet (if I understand you correctly). Just a claim with forms to acknowledge or admit and sheet for income and expenditure. Forms received - N1CPC, N9CPC, N9A(CPC) and N9b(CPC).

 

Thats a summons otherwise known as a N1 from Northampton.

We could do with some help from you.

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In that case it is dated 4th July 2012.

 

 

Ok so you have Acknowledged Service and if you was to defend your defence would be due Friday 3rd August.You state that MBNA are in default of your CCA request.

Is the Claimant listed as Britannia Recoveries?

Did MBNA ever issue a Default Notice?

Is there any PPI involved in the credit agreement?

We could do with some help from you.

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Yes, the claimant is listed as Britannia Recoveries. I am not sure if they ever issued a default notice because the card was in the name of Virgin and to begin with they were harassing us. I will need to check. They don't mention in the claim but I will check. There is no PPI involved. Have not yet made a formal complaint to MBNA; time has just flown by. I suppose I better get my skates on.

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Addendum to #17: Looking through the forum I found the DN. So, yes they did send it but obviously I was in no position to pay it all off or bring the account up to date.

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Bumping up - urgent.

 

Can someone tell me what I should ask for on CPR31.14 based on Claim form stating:

 

A credit card agreement made between MBNA and the card holder (D)

D accrued balance #xxxx

D defaulted on payments

C issued formal demand requesting payment dated ddmmyyyy

Amount now due from D #xxxx

 

Thanks in advance

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  • 2 weeks later...

CPR 31.14 request sent. No response yet but it looks like Northampton has granted them default judgement as I received mailshot form a company offering to help with my CCJ. I wrote to the court that meaningful and particularized defense could not be submitted as we are awaiting claimant's response to our CPR request.

 

How do I get it set aside?

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Not necessarily Lilly only if you have received notification of judgment from Northampton you have a CCJ.Check with Northampton and enquire the status.

We could do with some help from you.

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Thanks Andyorch for the quick response. I haven't received the notice from Northampton. The only thing I think I may have done wrong was to use the words 'My Statement' instead of my defense. Court wrote back saying I could pay £45 or agree with the other side for an extension to defense. I am scared of courts. Just spoken to Mailshot outfit and they say they got the information from CCJ register. Does that mean I have it and in case it does what can I do to fight it or set aside as the other side is still to respond to my CPR request.

 

Thanks very much for your time.

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Firstly check with Northampton to the status ..ignore any mailshot ambulance chasers and you could also check :- http://www.trustonline.org.uk/ Cost £4.If they do have a CCJ by default then we will advise further.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andyorch. Had the letter come in today. 'Judgement for claimant (in default)' for amount climed + interest+ costs. What do I do now. Still no response from solicitors to my CPR request. No agreement has ever been produced.

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