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    • So ignore any calls/letters off DCAs and try and work with PayPal directly to pay small amounts that I can afford?  Like ive said, I’ve opened a new bank account and transferred my regular in’s and out’s to that account. I’ve removed my old debit card from PayPal but left on there my old bank account info, reason being I’m hoping that makes it easier to send payments to PayPal. Does this seem a good idea? 
    • Ahh, discussion thread. Thank whoever. Forgotten what the points were  now, I will read and get back later.
    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
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impossibleprincess

Hastings claim now with Carpenters solicitors

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If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Hi I have an unresolved insurance claim with Hastings. In October a lady went into the back of me I informed Hastings of the matter, I was advised to get my car looked at which I did damage had been done to my car, the third party at first didn't want to go through the insurance but once I got quotes for damage she wasn't prepared to pay so put it through insurance. Hastings put me on to Nationwide to get the car repaired they did a great job, problem I have now is Hastings have put my claim through to Carpenters solictors to chase my excess who I don't feel I'am receiving the best possible service from. Could someone please advise as I want to get this matter resolved ASAP as I have been left out of pocket after having to pay my excess. I feel that Hastings have washed there hands of the matter as I have had no contact from them since this. This is kind of scary to me as I have never had to claim on my car insurance before

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Hello and welcome to CAG.

 

It's better for you to have your own thread because no two cases are the same. I've started a thread for you, please continue to post on this one.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Hi impossibleprincess, Thanks for taking the time to post, I am sorry that you feel this way and I would like to assure you that I will do my best to help you get this matter resolved. Can you please get in contact with me with your policy details and I will help. socialmedia@hastingsdirect.com Many Thanks, Jamie

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Hi Jamie

 

thankyou for you reply and for speaking to me this morning. I have sent you an email this evening giving you my claim number with yourselves and outlining my concerns with Carpenters. Up to this point no one from Hastings has contacted me after giving you the information over the phone earlier. if there is any further details you require like my policy number please feel to contact me.

 

kind regards

impossibleprincess

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Thank you for updating us, princess. I hope Jamie is able to help you, please keep us posted on how it goes.

 

HB


Illegitimi non carborundum

 

 

 

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Can you tell me if you have now managed to get your excess back, as I'm in exactly the same boat. Thanks.

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Hello and welcome to CAG.

 

You need to start a new thread of your own please, this one is five years old.

 

Best, HB


Illegitimi non carborundum

 

 

 

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