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    • Couple of things to point out. Council won't be interested in dog's poo in the caravan as it is private property.  At best the h&s department would take a statement and pictures and if it happened again they would act.   As the devil's advocate I would ask: 1. If you were so distressed to ask £4k compensation as suggested,  why did you stay for the full length of the holiday? Is it because your complaint was addressed and caravan cleaned? 2. Bed bugs? Where are the evidence? Couldn't it be another insect's bite? Most of the world population occasionally wakes up to a sore bite from unknown insects.  This can happen anywhere,  even in your house. Hands up if you have never experienced a mosquito bite in your house. 3. Manager took ownership of the problem immediately and fixed the faults. What else could he do? Move you from a caravan site to a 5 star presidential suite? Did you ask for this in writing there and then or you accepted the fix? 4. They offered £500 compensation. That's more than a quarter of the cost of the holiday. I don't think a judge would find that unreasonable.  5. Unfortunately the law doesn't act on ifs, so if something doesn't happen you won't get much interest. IF your boy had eaten the poo, the claim could have escalated by a large margin, but you, as a responsible parent, prevented this and nothing happened to your boy who went on to have a jolly good time. So unfortunately you can't claim for something that didn't happen.  To better understand this, think about a window cleaner leaving his ladder resting on a wall. IF the wind blows it on my car i could claim damage, but not before it happens.   So, my approach would be more pragmatic, by all means ask for more and see what happens, but £500 it's already a good offer in my opinion.    For future reference, whenever i go to holiday parks, caravan sites etc., first thing I do is to clean the lot. It takes an hour or so, but then i'm sure that i won't get any problems from hidden bacteria or other nasty surprises.  I know it shouldn't be this way, but it is. Us, the consumer,  have pushed for cheaper and cheaper prices and this is the result. We need to adapt unfortunately or we would be in court every day. Then there would be no time for holidays.
    • Hi, Last payments were around 2009. The last time any sort of letter showed up was about 3 years ago to my knowledge but only received by me a year after it was written as hung onto by my sister.    I haven't managed to open a bank account yet but made progress in what they required so will try this week.    Thanks for responding. At the time maybe I should have gone bankrupt in hindsight but before I left it pretty much all stopped after asking for the SAR' s. I had settled what I could prior to that.  Then after a big gap I started to get random debt agencies picking up on a few, irrespective of saying there were outstanding SAR requests they came and went and I did inform them where I was living overseas which is why Amex went for the RMA and then suddenly stopped.    You are of course right about running away. Seriously the whole thing gave me real depression which is something I only thought happened to other people. It has taken me all this time to get back to a place where I think I can take a deep breath and deal with it both for my sake and my mum.    I will keep a log. What happens might prove relevant to others and I can't see anyone else has kept one although a lot of people seem to have similar stories.    Thanks again        
    • Just make sure the Blue badge is visible in the car so the JBW bailiff can see it, otherwise he might clamp to put pressure on you.
    • Let them spout and don't tell them that you have recorded the call until its nearly ended and you have said you are logging date and time of all calls as they are in breach of the Protection from Harassment Act 1997    Prohibition of harassment. (1)A person must not pursue a course of conduct— (a)which amounts to harassment of another, and (b)which he knows or ought to know amounts to harassment of the other. [F1(1A)A person must not pursue a course of conduct — (a)which involves harassment of two or more persons, and (b)which he knows or ought to know involves harassment of those persons, and (c)by which he intends to persuade any person (whether or not one of those mentioned above)— (i)not to do something that he is entitled or required to do, or (ii)to do something that he is not under any obligation to do.]
    • It wasn’t recorded as to be honest, I was caught a little off guard however they are calling on a daily basis so I’ll make a point of recording the next one!   there won’t be any crumbling here. I’ve just been reading through the history of this to jog my memory on some of the events and it’s reminded me just how pathetic they are as a business. I fully intend to waste as much of their time and hopefully money as possible. 
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besttile

Arrows/Shoos Pre legal Letter - old MBNA debt

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Hi there ,

 

Received a letter from gobal arrow 2nd of may stating they handed my debt to shoosmiths solicitors for collection.

The account was opened 2005 with mbna and defaulted i think 2008 when made unemployed  Balance £2200.

 

I paid a few token payments for a while to various DCAs but then stopped 2012/13 trying to track for sure with bank .

 

They sent a second letter 22may with 7 day countdown saying they're going legal if arrangement not made.

 

If checked my credit file and there is no defaults present or dates so its dropped off but i don t know when.

 

My credit file has been excellent for the last 5 years with every payment to date now afraid of a reset.

 

Any advice as i am unsure how to approach this .

 

Thanks 

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as long as the letter is not entitled letter of/before claim' you are safe to ignore it...

 

however, have you moved since taking this card out and have not/did not since inform in writing to either MBNA or a DCA that you moved...thus they have from YOU notification of your correct address?

 

dx

 


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No i have not changed address in 20 plus years.

 

The letters however threw me as out of the blue and i was worried about court action messing up my credit file again.

 

I dont see letter of/before claim but i do see we will issue court proceeding for the full sum in seven days!.

 

I do think thought the debt isnt barred 6 months left maybe ,trying to track it down as most paper work is scraped.

 

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read it carefully

it doesn't say WILL anywhere.???

 

they must follow PAP letter rules now

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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gave you ever sent them a CCA request?

if not do so.

 

it will be difficult for them, if things with MBNA stuff go the usual way, for them to come up with enforceable signed agreement & the correct T&C's

 

dx

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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No nevver contacted or requested anything for years still trying to find my last payment statement 4 - 6 years back as i thought it was barred but still unsure.Its no longer present on any credit file.I ve printed a CCA do i think i should sent it.

 

 

Its the we wont contact or warn you bit that i dont like as i like time to track and either form a defence or payment solution if needed as i dont want a ccj  hit at this current stage of life after repairing my record for years

 

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with the potential of no enforceable paperwork

I doubt they'll go near a courtroom door.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I post of a cca request with PO on monday and see what happens then.

 

I was going to offer a part settlement to close quick due to the lack of paper work my end as everything been skipped relating to 2008 and unemployment period.

 

Their first letter offered a solution of a part settlement or payments form global arrow/shoosmiths.

 

Sorry for going a bit but the speed at their operating at 3 letters in 21days out of the blue.

After hearing nothing for years.

 

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you NEVER offer PS it opens you up to 6more yrs of harassment as you've ack'd the debt and they'll sell the rest on.

 

just do the CCA..

 

its probably very close to SB

so they leave things late to get the most interest out of you. if they issue a backdoor CCJ.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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On ‎26‎/‎05‎/‎2019 at 10:44, besttile said:

Does PAP apply in northern ireland also or do they differ? 

 

 

No it does not apply to NI...well not the English version.

 

 

https://www.ulster.ac.uk/__data/assets/pdf_file/0003/130953/lipni-NICTS-DOJ-2012-A-guide-to-proceedings-in-the-High-Court-of-NI-for-people-without-a-legal-representative.pdf

 

https://judiciaryni.uk/judicial-decisions/pre-action-protocol-commercial-actions

 

Regards

 

Andy


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HI I had few Credit cards that defaulted back in 2007/08 .

 

Ive checked my credit file and not present so fell off.

Both mbna Europe/Virgin.

 

I recieved letter from debt agencies may requesting payment one at £3500 and other 2200.

 

I requested cca and received one back today photo copy and some tel type statement thing i can hardly read as the text and account infomation is shrunk to one side cutting out information

 

.I am unsure if it is statue barred as ive been looking at my old statement for last 6 years and have not found any payments or letter/phone etc

 

.I know the CCA is dated 2/2/2005 and they have cut out the part relating to the payment protection cover.

 

Should i request sar  as i know that i had insurance to pay and clear this debt but i remember after 12months min payment they told me to sort the balance myself although i was told it would clear if still unemployed after 12 months.

 

They still were taking ppc payments until termination and when i disputed it they said you cant make two claims in succession.

 

So the debt resurfaced!

.I need direction as ive only stated self employment and cant afford 5k!

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old and new threads merged

scan the return up to one pdf file

read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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They sent Terms and conditions on 3 a4 pages i upload if required.

 

Why has my statements no interest showing is that normal?.

 

Regards the Credit insurance its being deducted until end.

 

Was sold with card St andrews Virgin Money if i recall.

 

CC return whiteout.pdf

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that's one tiny 1/2 a4 page

no prescribed terms at all.

 

no harm in getting a PPI reclaim going to MBNA

see their website.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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