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    • 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.    
    • said that many times already.   time to move on me thinks   dx
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Hi,

 

I brought a pair of glasses from specsavers later 2015, the offer at that time was 2 pairs for the price of one, one pair of which could be sunglasses.

 

I had to have varifocal lenses and at the point of sale was offered to pay a lower price for the main glasses (as there were expensive) and not get the second pair offer, alternatively to pay a higher price for the main glasses and therefore qualify for the 2nd 'free' pair.

 

I opted for the higher price to get sunglasses at a later date. In March 2016 I suffered a stroke and have been unwell since, however the last 4 or 5 weeks I have improved a lot and today went to specsavers to pick out the 2nd pair to be made into sunglasses.

 

Specsavers now say that you only have 30 days after the main glasses have been fitted to order the second pair....I was not told this at the time and am wondering if this is somewhat unfair?

 

Hopefully I can contest this in someway?

 

Many thanks in advance for any responses.

 

Swift640S

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Do you have a voucher or anything where they agreed to it


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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the offer will have lapsed due to your inaction. It will have never said that this will be open ended under any circumstances, you had a year to go and get the second pair but you didnt.

The offer will bea contiguous one so it requires you to make sure that ther is no break between choosing the first and second pairs.

I cannot sympathise with your situation. If a supermarket offer but one get one free on packs of mince that offer is for 2 items purchased simultaneously, not one a week over a fortnight. You understand this so why not the specsavers identical offer?

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Agree with Eric, offers are time limited and you missed that time


It is easier to enter a rich man than for a camel to pass a needle

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