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    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
    • To be fair ,  she has responded and said she's on holiday but returns Sunday and will bank transfer when she returns and i think i believe her.
    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mbna Nightmare!!!!


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erm - coming up to 2 years now!

my daughter is now 15 months old so that gives you some kind of idea how long this has been going on for ALL of us. I think I've spoken to your sol - if its who I think it is - I think I may well go ahead and use him as you recommend him so highly

best wishes corn - I'm so pleased for you :)

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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erm - coming up to 2 years now!

my daughter is now 15 months old so that gives you some kind of idea how long this has been going on for ALL of us. I think I've spoken to your sol - if its who I think it is - I think I may well go ahead and use him as you recommend him so highly

best wishes corn - I'm so pleased for you :)

 

Crikey! I can't believe that your daughter is 15 months old! It seems only five minutes since you were pregnant!!!

 

I'll PM you details of contact as I don't think it is who you think it is!!!! :cool:

 

Give me a minute x

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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  • 5 months later...

Can anybody help.I wrote to MBNA on the 22 July requesting a CCA. They wrote back on the 31 July saying that "the details are being processed and will notify me in due course".Today I have had a letter from 'direct legal & collections'. Apparently MBNA have sold my debt to them. I have spoken on the phone, and was told I have 7 days to pay 10% of my debt and a further 3 weeks to clear the balance. If I don't pay court proceedings will commence.What can I do?

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Write and tell them that MBNA were in default of your CCA request and should therefore not have sold the debt on.

 

You could if you wish, also send a CCA request to direct legal & collections. I know it's annoying to have to do it twice, but it should ensure that DLC put the account on hold until they comply;)

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Having read some of the posts, this could be a long job. My other creditors have been very understanding and accomodating, but not MBNA and by the sound of it DLC seem to be singing from the same song sheet.

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  • 3 weeks later...

Hello.

 

I'm in a similar boat to everyone else here...

 

I lost my job and started defaulting on my payments on my credit cards. Where as Halifax have actually been very understanding, MBNA were nasty from the very start, including phone calls where people would laugh down the phone then hang up (these came from Global Vantedge), calling me at nearly 10pm on a Sunday evening!

 

So I am now 3 months in default, and have sent the CCA request, which (of course) didn't get replied to until nearly 2 months later. What I received is a copy of the agreement they sent me, but there is no signature on there. Do they have to have a signature to make it stand?

 

After I sent the CCA about 2 weeks with no calls passed, then they really stepped it up! About 4 calls a day, and letters every few days. The last letter stating I had 7 days to call them or they would take me to court and have my salary deducted, amongst other things...

 

What should my next step be...anyone?

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