Jump to content


  • Tweets

  • Posts

    • Might be worth passing story to RIP off Britain?
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles.
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
  • Our picks

    • 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 
      • 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
        • Like

Beetlebum v MBNA


beetlebum38
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6255 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

Hi

I have joined today and have been following unlawful charges on MSE.

I am ready and prepared (with the help of the group) to take on various banks and credit card companies, starting with MBNA.

I closed my credit card account a couple of years ago after falling into financial difficulties. I defaulted and MBNA passed my account to a debt collection agency, finally resulting in me making a final settlement with them at 80% of the outstanding debt, and closing the account. I had been charged ridiculous fees etc by MBNA and the DCA over the years. Can I claim back these charges even though I have settled the account and it has been closed since 2005? If yes do I follow the same procedures starting with the DPA request for 6 years worth of statements etc.?

 

Any advice would be great.

 

Beetlebum38

Link to post
Share on other sites

Yes same procedures.

Your arguement can be that although you agreed to 80% at that time you were unaware that they were unlawful penalty charges.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Good.

 

Have moved your posts and sorted a thread for you here in MBNA;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

  • 1 month later...

wow just re read the letter they sent me

 

They have put someone elses account number on the letter!!!!!!! its definately not mine!!!

 

i Cant wait to see whos statements they send me!!!!!

 

What should i do? any ideas? that would be a clear breach of the data protection act right there if they sent me someone elses statements?

Link to post
Share on other sites

wow just re read the letter they sent me

 

They have put someone elses account number on the letter!!!!!!! its definately not mine!!!

 

i Cant wait to see whos statements they send me!!!!!

 

What should i do? any ideas? that would be a clear breach of the data protection act right there if they sent me someone elses statements?

 

They did what? Outrageous! Tut tut MBNA. I would get straight onto the Information Commissioner.:)

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.

Link to post
Share on other sites

MBNA?........making life difficult...? sending the wrong information.....? looking like they don't know their a**e from their elbow....? running around like headless chickens........? Surely NOT?

 

(Morning Corn)

 

Morning Ladybird! LOL! How can you say such things?! :lol:

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.

Link to post
Share on other sites

I also have been sent someonelse`s account details sent a stroppy letter back. Shame that person didn`t have any charges mind, hell knows whatwould have happened if id have claimed for them lol. We trust companies with our data only for it to be given to someone else.

 

 

Matt

Link to post
Share on other sites

  • 3 weeks later...

Just an update..... 40 days has passed on 20th Feb so MBNA are now in non conformance of the data protection act.

i rang them up to inform them and spoke to James Doherty in the customer advocates office (01244 672892).

Informed him they were in breach of the data protection act.

He informed me there was no one there to deal with my call(yeah Right) but had i recieved the G.O.G.W. payment of £268?

He proceeded to tell me that i should have received a letter detailing my G.O.G.W.

Where was it paid into i enquired?

Your account he says

well that would be hard because its been closed for over a year!!

oh right he says but we have updated your account thats why you have a new account number but i will have to get someone to ring you back who knows more about it

i then informed him i was putting it in writing they had a further 7 days to comply with my sar or its off to court

he says thank you if you put that in writing for someone that would be great(PMSL)

anyway my ring back did not materialize today (surprise surprise) so i will ring again tomorrow

 

is everyone who writes in with a sar now recieving a G.O.G.W. payment at this stage in the hope that we will go away?????

Link to post
Share on other sites

anyone any thoughts?

 

Hello Beetlebum, it is quiet on here tonight!

 

MBNA appear to be not treating SAR's as SAR's and then offering a goodwill payment and then saying that if you want a full SAR you must send a payment of £10.00 and ID. Hilarious given that you would have asked for a full SAR to start with! They are just stalling for time.

 

Certainly ring them but I wouldn't beat about the bush, stick to your timetable and tell them that any GOGW will be treated as a part payment and you will be pursuing them for the rest.

 

I will be interested to see where they put your payment, perhaps they'll issue you with a shiny new credit card that is in, er, credit! LOL!:rolleyes:

 

I hope this helps!:)

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.

Link to post
Share on other sites

Rang again.......no joy,spoke to a nice quietly spoken girl called Nicola.She said there was no "expert" available to take my call......lmao

 

I asked name of said expert and she said Dan Friar

anyone came across this gentleman???

 

She was able to confirm £268 was paid into my acc (which is closed) on 12/02/2007 as a GOGW.

informed them Again they are in breach of my S.A.R. and i want my details!!!!

Link to post
Share on other sites

Just downloaded the "Data Protection Act 1998 Complaint form" from the Information Commisioners website. I am starting to fill it in now.

 

Any help would be appreciated, especially concerning what info to include for the complaint. Dont want to send to much.

 

Also can anyone help me regarding what to claim in damages when i get round to filling agianst MBNA for non compliance??

Link to post
Share on other sites

OK Today i posted off the ICO complaint . Feel better already.

 

Tomorrow im filing.

Could someone please guide me as regards what damages to claim?? i think i am ok filling in the court form and POC just need some guidance for the damages?

Link to post
Share on other sites

ok Claim lodged with small claims court in N.I..

Just waiting on verificaton now.

Failure to comply with SAR under section 7 of the DPA.

PLease please let me have filled everything in correctly!!!!!!!!!

 

Feeling a bit lonely on this thread i think im posting to myself!!!!.....LMAO

Link to post
Share on other sites

Guest Battleaxe

Aww don't be lonely my little leprechaun.

 

You will get a defence lodged and then they will ask for a true breakdown of charges, just give them what you have and let the Judge decide what else he will give you for non-compliance. let the ICO know what has been going on because the ICO's letter will be your leverage with the Judge and DO NOT settle out of court. make them sweat. After all you have been reasonable and tried everything to open dialogue with them

Link to post
Share on other sites

Thank you mrs Axe.

I have already sent ICO complaint off. Do you suggest i contact them(ICO) and let them know i have filed a claim for non compliance?

 

Thank you for you guidance oh wise one!!!!!

Link to post
Share on other sites

Guest Battleaxe

Not so sure how wise I am. LOL..I would just let everything lie now and wait for the ICO to reply.

 

Just remember when your crock of gold has been replenished, to guard it well.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...