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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mbna Nightmare!!!!


Cornucopia
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Eversheds

Somewhere

England

 

 

 

BE WARNED

 

Dear Sirs,

 

Your Ref::::

 

Further to letter dated xxx, please be advised that the above debt is now in dispute. I am awaiting the return of my Subject Access Requested from MBNA under the Data Protection Act 1988 as I believe the above debt to contain fair proportion of unlawful penalty charges. I have also issued a CCA request to xxxx under the Credit Consumer Act 1974.

 

Please be adivsed that this debt is unenforceable whilst in dispute and any action taken by yourselves will be vigorously defended. Furthermore, I am presently continuing reduced payments as per agreed by MBNA themselves (see attached correspondence). In this light, not only will any action by you be defended, but take note that I will issue a counterclaim for stress and damages.

 

I am frankly shocked by the contents of you letter, which uses the term 'we will send bailiffs'. I am forwarding a copy of your letter to Trading Standards with an official complaint as your abuse of power is obviously intended to intimidate. As you are well aware, you do not have the authority to send bailiffs without a court order.

 

I trust this now clarifies my position.

 

Yours faithfully,

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Eversheds

Somewhere

England

 

 

 

BE WARNED

 

Dear Sirs,

 

Your Ref::::

 

Further to letter dated xxx, please be advised that the above debt is now in dispute. I am awaiting the return of my Subject Access Requested from MBNA under the Data Protection Act 1988 as I believe the above debt to contain fair proportion of unlawful penalty charges. I have also issued a CCA request to xxxx under the Credit Consumer Act 1974.

 

Please be adivsed that this debt is unenforceable whilst in dispute and any action taken by yourselves will be vigorously defended. Furthermore, I am presently continuing reduced payments as per agreed by MBNA themselves (see attached correspondence). In this light, not only will any action by you be defended, but take note that I will issue a counterclaim for stress and damages.

 

I am frankly shocked by the contents of you letter, which uses the term 'we will send bailiffs'. I am forwarding a copy of your letter to Trading Standards with an official complaint as your abuse of power is obviously intended to intimidate. As you are well aware, you do not have the authority to send bailiffs without a court order.

 

I trust this now clarifies my position.

 

Yours faithfully,

 

Thank you Stansfield, I am going to PM you!!

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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Just a quick update, I have written a strongly worded letter to Eversheds based on the template provided above by Stansfield. I have attached all correspondence with MBNA to back it up.

 

To date, we still have not received an acknowledgement of any of the correspondence we sent to Arrow Global or to Eversheds, including the CCA request. Shocking! They can't even deny receiving it, as it was all sent "signed for".

 

MBNA know they have screwed up here, especially by giving us 1 days notice of a default being issued VIA E-MAIL and worse than that, an e-mail we didn't receive! They didn't even put it in writing! I find that just astonishing! At present, Gavin Theobald is negotiating with Arrow Global on our behalf. I have also asked him about removing the default from my husband's credit file, given that we didn't know a default was being applied and we also were not informed in writing of this by MBNA. He is coming back to me on that one.

 

Will keep you posted.................

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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Just a quick update, I have written a strongly worded letter to Eversheds based on the template provided above by Stansfield. I have attached all correspondence with MBNA to back it up.

 

To date, we still have not received an acknowledgement of any of the correspondence we sent to Arrow Global or to Eversheds, including the CCA request. Shocking! They can't even deny receiving it, as it was all sent "signed for".

 

MBNA know they have screwed up here, especially by giving us 1 days notice of a default being issued VIA E-MAIL and worse than that, an e-mail we didn't receive! They didn't even put it in writing! I find that just astonishing! At present, Gavin Theobald is negotiating with Arrow Global on our behalf. I have also asked him about removing the default from my husband's credit file, given that we didn't know a default was being applied and we also were not informed in writing of this by MBNA. He is coming back to me on that one.

 

Will keep you posted.................

 

Just wanted to ask........when we received the termination notice from Arrow Global, they told us that all correspondence should go through Eversheds. I subsequently issued a CCA to Eversheds who have not responded in 16 days. I would like to issue another CCA, do I send it to Arrow or directly to MBNA as they are the original issuers of the card in question. Does this make a difference even if they have sold the debt? I am pretty sure Stansfield said to send to MBNA, could anybody confirm? Also, do I have any comeback on Eversheds given that they have ignored my CCA request? Thank you!!!:)

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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Sorry, I am asking a lot of questions today!

 

I want to ask for a copy of the Deed of Assignment (ie : when MBNA sold the debt to Arrow Global) and also how much they actually bought the debt for.

 

Again, Stansfield has been fantastic with this but I had so much to take in, I have kind of lost the plot!

 

Do I ask MBNA for the Deed and how much they sold the debt for? Or, do I ask Arrow Global for the Deed and how much they bought it for? Or both?

 

Is there a template letter for this? I have looked but can't see anything specific. Could anybody help me with this?

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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Sorry, I am asking a lot of questions today!

 

I want to ask for a copy of the Deed of Assignment (ie : when MBNA sold the debt to Arrow Global) and also how much they actually bought the debt for.

 

Again, Stansfield has been fantastic with this but I had so much to take in, I have kind of lost the plot!

 

Do I ask MBNA for the Deed and how much they sold the debt for? Or, do I ask Arrow Global for the Deed and how much they bought it for? Or both?

 

Is there a template letter for this? I have looked but can't see anything specific. Could anybody help me with this?

 

AM JUST BUMPING! CAN ANYBODY HELP WITH MY TWO POSTS ABOVE?

 

THANK YOU!!:)

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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hang on. just reading your posts

 

Ahhhhhhhhh! SO pleased to see you! Have just been aquainting myself with Battleaxe's thread! I thought I was having problems............:o

 

Just off to make a cup of tea......

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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Ok. Send CCA request to Arrow. When your SAR request comes back from MBNA it should include details of the debt being passed on. Once the SAR comes back, then write back to them saying that they did not include a copy of the original agreement and that you would like a copy. What should happen, is that Arrow cant supply it, then thats because they cant get one from MBNA because they dont have it.

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Summing up.... If the original agreement exists, then Arrow will do their utmost to produce it.

 

Right, fantastic! Although I am not holding my breath at getting any response from Arrow, they are totally obstinate it appears! I have emailed Gavin tonight to ask for an update on the "negotiations" he was doing for me. I do wonder about this, would they usually negotiate on your behalf if they knew they had carried out their job to the letter? I am not so sure.........

 

I am hoping to be able to get on the site tomorrow, I have been posting from work which is very naughty:shock:. I will then update the situation.

 

I am also drafting my complaint in full to the FSA, OFT & IC. The more I think about it and the more I read, I really think MBNA should be severely taken to task. They are ruining lives!

 

Thank you Stansfield for your support! xx

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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Ok. Send CCA request to Arrow. When your S.A.R - (Subject Access Request) request comes back from MBNA it should include details of the debt being passed on. Once the SAR comes back, then write back to them saying that they did not include a copy of the original agreement and that you would like a copy. What should happen, is that Arrow cant supply it, then thats because they cant get one from MBNA because they dont have it.

 

Sorry, can I just clarify, when the SAR comes back from MBNA, it is MBNA I write to to say I want a copy of the agreement? Is that correct?

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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Yes. But by that time, you will probably know whether or not one is available as Arrow will have sent this to you. If they dont, then you can point this out to MBNA and ask them where it is. You could ask MBNA for it, but you are just asking for it twice. Upto you.

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Yes. But by that time, you will probably know whether or not one is available as Arrow will have sent this to you. If they dont, then you can point this out to MBNA and ask them where it is. You could ask MBNA for it, but you are just asking for it twice. Upto you.

 

Right, all clear, thank you!

 

Do you have any thoughts on asking for the Deed of Assignment and how much Arrow have actually bought the debt for? Should I leave this until later?

 

Sorry, I must be driving you up the wall!

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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A CCA request requires them to include a copy of the agreement AND deed of assignment. How much they bought the debt for will be difficult to get out of them. They can be made to disclose this at court. You will probably have a better chance of getting this information from MBNA. Wait til SAR comes back, we can see what is missing and then request it.

 

You are not driving me up the wall lol. Its a pleasure to help!

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A CCA request requires them to include a copy of the agreement AND deed of assignment. How much they bought the debt for will be difficult to get out of them. They can be made to disclose this at court. You will probably have a better chance of getting this information from MBNA. Wait til S.A.R - (Subject Access Request) comes back, we can see what is missing and then request it.

 

You are not driving me up the wall lol. Its a pleasure to help!

 

Right OK, I will send the CCA to Arrow tomorrow & SAR the following day (only because of time constraints!).

 

Bless you, thanks again for everything!:D

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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Hello, just a daily (boring) update!

 

Emailed Gavin last night requesting information on his negotiations with Arrow Global. Not a sausage when I got in!

 

Nothing in this morning's post either, although I did issue Arrow Global with a CCA request today given that Eversheds have ignored the one I sent them.

 

I am going to email again tonight, cc in Michael Rhodes and stick it on the fax for good measure.

 

Happy days!

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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Just an update........

 

Good God, these people are painful! A few days ago, Gavin Theobald asked me to tell him what amount we could maintain each month in order that he can negotiate with Arrow Global who have bought the account. I replied straight away. He replied back. Heard nothing for 2 days, e-mailed him again and reminded him that he hadn't got back to me and given that Eversheds (Arrow's Solicitor) was threatening Court, it was rather URGENT!!! He emailed me back to say that he could do nothing until I confirmed how much we could maintain each month. For GOD's SAKE!!! I confirmed I had, in fact, done this and sent him the whole chain again so that he could see he had actually replied! Have heard diddly squat. No response from my letters to Arrow, no response from Eversheds, despite the fact they have had a CCA letter and a "warning" letter, kindly supplied to me by Stansfield. I think I can do nothing more now other than wait. I am preparing a bundle in the event this goes to Court, I think I have to be prepared for that eventuality given the laid back attitude of MBNA. The 12 days are nearly up on Evershed's CCA. Arrow have a little longer. I can't wait to see if they can actually produce the 10 year old agreement. Onwards and upwards...............:rolleyes:

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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Keep in there cornucopia, sadly MBNA say things and do the opposite. i have been that bored with their antics over the past week, i have taken a payment break on my loan to ensure i have the money for my N1 next month, in a sarcastic response to their gesture of goodwill, i have given them another month to think about refunding my charges and interest, before i slap in my court docs.

 

dont let them squirm out of the situation, they like nothing more than customers who relent and stay silent!

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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Keep in there cornucopia, sadly MBNA say things and do the opposite. i have been that bored with their antics over the past week, i have taken a payment break on my loan to ensure i have the money for my N1 next month, in a sarcastic response to their gesture of goodwill, i have given them another month to think about refunding my charges and interest, before i slap in my court docs.

 

dont let them squirm out of the situation, they like nothing more than customers who relent and stay silent!

 

Thanks so much for your support! I am beginning to realise we have been taken for a complete ride. I think I need to find out of there are any legal avenues I can take regarding this situation. As you have probably read, they were supposed to be administering a payment plan but decided instead to sell the account to a DCA having given me 1 DAYS notice via EMAIL (which we didn't receive!) that a default was being applied the next day. Nothing in writing at all. I am sure I have some legal recourse somewhere!

 

I wish you lots of luck with your claim, although you won't need it! Thank you again :-)

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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Its just a waiting game now. Try not to worry. You have done everything to resolve this and any court will see their incompetence.

 

The debt is now in dispute and court action will only leave them with egg on their faces. I doubt very much that they will issue any action at this stage.

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Great thread. Good luck Cornucopia. With Stansfield's help you seem to have become empowered. Well done.

 

MBNA are useless but sadly only as useless as all the others. Mind you we haven't seen a good one yet!

 

 

Thank you very much! Still nothing today, nothing in the post, nothing on the e-mail! Am not surprised really!

 

:)

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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Keep the faith and I am sure you will resolve everything to your satisfaction - I am sure I am not the only person watching your thread with interest.

I am really looking forward to seeing you win :)

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Keep the faith and I am sure you will resolve everything to your satisfaction - I am sure I am not the only person watching your thread with interest.

I am really looking forward to seeing you win :)

 

Thank you all so much for your support, I would have had a nervous breakdown without it!

 

Still waiting for them to send the original agreement.............time's running out!!!!

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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Share on other sites

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Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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