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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do medication and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
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Virgin Money/MBNA credit card PPI & charges reclaim


johnhn
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I took out a Virgin Money/MBNA credit card in 2005 to take advantage of their 0% balance transfer offer.

 

 

To cut a long story short, Virgin steadily upped the credit limit over the following three years,

in late 2008 I wrote a credit card cheque for several thousand pounds to pay for a home extension.

 

 

The global economy crashed the following week and I found myself without employment,

my wife petitioned for divorce,

I became homeless etc etc

with, amongst other things,

a credit card balance of over £13k

 

After years of being grindingly poor I am now starting to regain and exert some control over my affairs.

I recently used a CMC to establish whether or not I had PPI claims on any of my old accounts

and MBNA came back "positive". I will NOT be using the CMC to reclaim.

 

My MBNA account is one of only a couple for which I still have paperwork, including all but two statements.

Unfortunately, the statements make no reference to PPI whatsoever, only interest and late payment charges.

The original tear-off signature slip is obviously missing

- the remaining part of the page shows two "SIGN HERE" arrows pointing to the missing slip,

one for the account, and one for PPI.

 

I cannot imagine I would have voluntarily requested PPI, as I never knowingly have.

Also, for the last 20 years I have worked as a company director providing architectural services on temporary assignments

- i.e. I am not eligible for PPI protection.

 

The only reference I can find anywhere to PPI is an insurance booklet issued with the original pack,

which states that PPI is charged at £0.72 per £100 of the monthly statement balance.

The statement figures bear no apparent relationship to these figures however.

 

In summary:

 

1)MBNA appear to have acknowledged that I have a PPI product.

2)I have no idea how much PPI was charged or when, as the statements do not show it.

 

Do I:

 

1)Make a complaint to MBNA, take the cheque and then query their (possibly "interpretative") calculations?

2)Start from scratch with a CCA and SAR (bearing in mind the account was opened 11 years ago...)?

 

Confused!

 

I'm also going after them for charges, 6 year limitation notwithstanding - nothing ventured etc...

 

Thanks in advance!

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send MBNA an sar.

 

 

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... 

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  • 1 month later...

SAR sent with £10 postal order.

 

Reply received dated 11th May requesting identity verification and stating "If you have sent a cheque with the request it has been securely destroyed".

 

Identity verification info sent.

 

Reply received dated 27th May stating "To fulfil your request under Section 7 of the Data Protection Act 1998, we require a cheque made payable to MBNA Limited for £10. Please resubmit your request enclosing the applicable fee".

 

Pfff...

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So what do I do? Treat it as a failed SAR and complain with a report-threat, or cough up another £10 to replace the one they ripped up?:???:

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so you have moved since you took the card out?

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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yes - not sure what that has to do with them destroying the fee though :???:

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you should have included a copy of your CTAX bill or something.

 

 

did you.?

 

 

you can get the PO refunded through the po counter

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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you should have included a copy of your CTAX bill or something.

 

 

did you.?

 

 

you can get the PO refunded through the po counter

 

I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again).

 

Can I get a refund even without the PO?? I only have the receipt, but I bought several at once and didn't make a note of which postal order went to which recipient...........

 

Think I've answered my own question. This is going to be such a monumental faff I'll just send the fee again and complain... :roll:

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I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again).

 

 

so you used the MBNA SAR from their site?

 

 

or our one from here

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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the latter. I'd already sent it by the time I noticed they had their own.

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I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again)

so not mbna at all

which is why we say in that sar thread..

 

 

tips for a successful SARlink3.gif......

 

you MUST sign the SAR.

 

if you have moved since taking out 'whatever' you are sending the SAR for

you should include a list of your addresses from the time of taking out the 'whatever'

 

and if you have moved

its worthy to include a copy of your current CTAX bill

to prove who and where you are now.

an SAR always goes to the original creditor

regardless to if the debt has been sold to a no powers debt collectionlink3.gif agency

 

if you do happen to have to sar a dca

its worthy to consider using a blank £10 PO, save giving them a sig to copy from a cheque

and print your namelink3.gif on the SAR letter don't sign it...?

 

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... 

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so not mbna at all

which is why we say in that sar thread..

 

 

tips for a successful SARlink3.gif......

 

you MUST sign the SAR.

 

if you have moved since taking out 'whatever' you are sending the SAR for

you should include a list of your addresses from the time of taking out the 'whatever'

 

and if you have moved

its worthy to include a copy of your current CTAX bill

to prove who and where you are now.

an SAR always goes to the original creditor

regardless to if the debt has been sold to a no powers debt collectionlink3.gif agency

 

if you do happen to have to sar a dca

its worthy to consider using a blank £10 PO, save giving them a sig to copy from a cheque

and print your namelink3.gif on the SAR letter don't sign it...?

 

dx

 

I have satisfied them as to my identity. My point is they've already had the SAR fee, destroyed it (rather than return it - it's gone), and are now asking for another £10!

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I have satisfied them as to my identity. - how?

 

 

My point is

 

 

they've already had the SAR fee,

destroyed it (rather than return it - it's gone),

and are now asking for another £10!

 

 

MBNA at the best of times can be very obstructive.

however, they have in a way done the right thing

by destroying a PO

again however, I don't agree that you should now send a signed cheque.

they don't have the authority to demand such.

 

 

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... 

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- how?

 

I gave them what they asked for - full name, previous name, date of birth, all addresses since taking out the card, and both account numbers (again).

 

I'll said another :-x PO - they may as well have ripped up a tenner.

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  • dx100uk locked and unlocked this topic
  • dx100uk locked and unlocked this topic

open

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21 hours ago, BankFodder said:

open

 

Thankyou!

 

It's been a while...

 

I have finally received SAR info from MBNA. It turns out I had PPI on an earlier account with them from September 2001 to August 2003.

 

A photocopy of the original application shows that I ticked the "Yes" box.

 

Here's what the application says - in its entirety - re: PPI

 

"Safeguard against life's unpredictable events with our payment protection cover for just 58 pence per £100 of your statement balance. Payment Protection Cover is designed to protect your ability to make repayments to your MBNA credit car in the event that you are unable to work due to accident, sickness or involuntary unemployment. Valuable life cover, up to £15000, is also included. We strongly recommend that you take out this cover. For cover, just tick the Yes box".

 

There is no other information or "advice" on the application form regarding eligibility, exclusions, etc.

 

I gave my employment status as self-employed/director of a limited company. Curiously, whilst the MBNA screenshots repeat this, they also say "Limited Company? Don't Know".

 

Unfortunately MBNA have not provided me with any statements whatsoever, so I have no idea of statement balances.

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ask them?

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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31 minutes ago, dx100uk said:

ask them?

 

ask them again, you mean...

 

My SAR stipulated ALL data. They replied asking "by ALL data, do you mean ALL data?", rather unnecessarily, which I confirmed. So they sent me partial data... 🙄

 

I shall ask again, again.

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simply phone and ask them if they have the statements as they weren't in the SAR return?

 

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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