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    • retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free  I hope dpd will refund them so they don't lose out. Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
    • again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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cashed my cheque and nothing!!!


kickingkay
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morning all im just sorting out my statement request letters for the named bank

im am going to claim back my charges on my cc account however im in a dmp with the cccs and im not sure wjo i chase we pay virgin monthly so is it them we chase if so does anyone have the correct address's needed im not sure of the best place to send

many thnaks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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MBNA Act as a credit card facility supplier to a great many well-known branded firms. Knowing Virgin, I think it unlikley it is they who are providing the facility, it would have been MNBA woo paid Virgin a fee to use their name and branding - so, as MBNA is the provider of credit, it will be they who you must sue - but your T&C for the card will confirm this.

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thankyou very much for that!

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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  • 1 month later...

morning everyone ive just checked through last months statements, and low and behold my cheque payment to MBNA for statements has been cashed adn they havent sent me my statements???????

they did send me a letter a week ago saying they are looking into my complaint, but i havent complained yet lol only requested my statements lol

has anyone else had any problems getting their statements im assuming (HOPING) they will arrive this week...............................

thanks

klare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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morning everyone ive just checked through last months statements, and low and behold my cheque payment to MBNA for statements has been cashed adn they havent sent me my statements???????

they did send me a letter a week ago saying they are looking into my complaint, but i havent complained yet lol only requested my statements lol

has anyone else had any problems getting their statements im assuming (HOPING) they will arrive this week...............................

thanks

klare

 

Yea, I got the same standard response... still waiting for my SAR to come from them!

 

Don't think there's much you can do until the 40 day deadline has passed.

 

be mindful that (from what I've read on here) keeping to the deadlines set out by the guys that know (bankfodder, dave, etc..) is the best way to go. that way if your claim does go to court, the judge cansee you've given MBNA more than enough time to sort out your claim out of court.

 

when did you sent in your SAR?

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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got my first serious reply from mbna today.

 

Returned my cheque, said they didn't treat it as a serious SAR, but if I want one (like, YEA! - THAT'S WHAT I ASKED FOR!), then send a cheque and id (LIKE I DID!)...

 

They also gave a goodwill payment of £940 (which is less than half of what they've charged me in six years!)

 

LBA off this evening.....

Lloyds

19-10-06- S.A.R Letter

Prelim 20-11-06 £10,492

LBA - 2/12/06

Cap 1

19-10-06 - S.A.R Letter

Prelim 20-11-06 £1,467

LBA 2/12/06

WON-Settled in Full

AMEX

19-10-06 -S.A.R Letter.

Prelim - 20-11-06 £697

LBA - 2/12/06

Morgan Stanley

19-10-06 - S.A.R Letter

Prelm 20-11-06 £1580

23-11-06. £1076 offered.

4-12-06 - LBA

Won-£1580 14-12-06

MBNA

19-10-06 - S.A.R Letter

20-11-06 Prelim

WON-£4010

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wow thanks for that guys, i am abit prem really its been 30 days i have emailed them to try and get them focused so we will see what happens lol

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Hi i have just recieved my statements and an offer for £140, so far i toted up in charges alone not any % charges and thats £450, they have slamed on excessive % in some cases £84.00 and called it credit insurance fees????? but this is something that they have started since summer 05 has anyone else got similar on theirs and can i claim these back?

many thanks

also can i claim for retail %

cash %

transfer charges?

and these credit insurance fees

i know i can not claim for cash handling (machine charges)

KLare

just hoping isnt enough ASK!

 

CO OP £170 charges

09/08/06 first letter sent recorded

12/08/06 first letter acknowledged

24/08/06 LBA letter sent recorded

02/08/06 acknowledged please wait a further 6 wks for reply

14/09/06 MCO filed

20/09/06 charges refunded!!!!

23/10/06 request for statements mbna offer £140.00 prem letter sent

23/10/06 first letter sent hsbc (2 accounts) £2900 approx) LBA sent

23/10/06 LBA A&L claiming back £186.50 first letter ignored) MCOL filed 25/11/06

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Not really sure what these insurance charges are, will have a look at my statements when I get home to see if I have anything similar.

 

Good luck with your claim

Paulo Saolo

'If you like it try it, If you don't like it; try it you might like it.'

'Inside every sack of $h!te, there's a spark of gold. Now, it might just be the wrapper off a Caramac, but it's there'

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Hi

 

You can claim for charges plus intrest on those charges plus contractual rate of interest at the higer rate of your card(Phone to find out).

 

Credit insurance as far i am aware is a untried area but i could be wrong.

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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You should be aware that when MBNA write back to you they are effectively rejecting your SAR.

 

What this means is that they send you the data they want to in a timeframe of their choosing.

 

The impact of this is tow fold, first of all you don't get all the information to which you are entitled and this may mask the fact that you have charges going back more than six years.

 

Secondly this means that unless you repudiate their rejection and insist on the schedule you cannot complain effectively to the ICO or a court AT ALL irrespective of how long you have waited.

 

If you get one of these letters you need to write back insisting on the timetable you have available to you assuming of course you send the SAR and payment.

 

Oh and the other bit of the story is that MBNA sweeten you up and rely on your ignorance by sending a token payment.

 

The claimant thinks that they're not so bad and so doesnt insist on what they're entitled to.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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