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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
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    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
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Mbna - Properly Executed Agreements


Cornucopia
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just another update....I HAVE FOUND my latest agreement and might be in trouble if they can find theirs...:-(

 

fingers crossed, not long for the thirty days. (month)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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just another update....I HAVE FOUND my latest agreement and might be in trouble if they can find theirs...:-(

 

fingers crossed, not long for the thirty days. (month)

 

Dave

 

Dave, don't worry, they still have to produce! I am about 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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How many more men are you going to add your PM list Cornypoker? That's all I ever hear from you....oohh, flutter,flutter, Alan I'm PM'ing you....don't worry Dave...I'm PM'ing you, wink wink......aah all the men on the site I'm PM'ing you.

Have you applied for a bigger mail box?

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How many more men are you going to add your PM list Cornypoker? That's all I ever hear from you....oohh, flutter,flutter, Alan I'm PM'ing you....don't worry Dave...I'm PM'ing you, wink wink......aah all the men on the site I'm PM'ing you.

Have you applied for a bigger mail box?

 

Jealousy is such an UGLY trait Bird:rolleyes::D: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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peeks round the corner to see if this thread has changed any....:rolleyes:

 

nope :lol:

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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OK guys .....

 

Just found this thread. it shows 3 different application / agreement forms. ALL declined so cant be an agreement.

 

Have a look

 

at least it shows three different forms of agreement for reference

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/81626-mbna-link-3-different.html

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Guest Battleaxe

Interesting reading. So he hasn't got an Agreement for the account he has with them. Muppets. They can't find it. heheheh

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Battleaxe[/left];743194]Interesting reading. So he hasn't got an Agreement for the account he has with them.

Muppets

. They can't find it.

heheheh

 

 

Hi everybody,

 

 

That is correct!

 

These are the so called "agreements" they sent to me. These are obviously 3 applications that were refused/declined.

 

As you rightly point out, there is no agreement for the actual account that I did have with MBNA!

 

Oh! Just in case you aren't aware yet. They have sold the alleged debt to Link Financial!

 

So guess who else won't be able to provide an original agreement!?

 

 

Don't you just love it!!!:D

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Hi everybody,

 

 

That is correct!

 

These are the so called "agreements" they sent to me. These are obviously 3 applications that were refused/declined.

 

As you rightly point out, there is no agreement for the actual account that I did have with MBNA!

 

Oh! Just in case you aren't aware yet. They have sold the alleged debt to Link Financial!

 

So guess who else won't be able to provide an original agreement!?

 

 

Don't you just love it!!!:D

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Guest Battleaxe

STOP PRESS...Newspaper Headlines: Chester Towers in Meltdown courtesy of the CAGgers. Mass nervous breakdown of staff. DCA's go bankrupt from purchasing unenforceable debts. Local supermarket have increased job applications from former staff at Chester Towers.

 

Jeff2000, keep the pressure on both lots. You day has arrived.

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Hi everybody,

 

 

That is correct!

 

These are the so called "agreements" they sent to me. These are obviously 3 applications that were refused/declined.

 

As you rightly point out, there is no agreement for the actual account that I did have with MBNA!

 

Oh! Just in case you aren't aware yet. They have sold the alleged debt to Link Financial!

 

So guess who else won't be able to provide an original agreement!?

 

 

Don't you just love it!!!:D

 

OOOhhhh Jeff, I am SO excited I could give you a cuddle!!!:D

 

Welcome to the "no agreement" club!!!

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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OOOhhhh Jeff, I am SO excited I could give you a cuddle!!!:D

 

Welcome to the "no agreement" club!!!

 

 

Hi Cornucopia,

 

Thanks very much!

 

Glad to jump on-board!

 

Needless to say, I'll keep you all informed.

 

 

Regards, Jeff.

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Morning all! Have decided to have a bit more fun with our MBNA chums! On looking at the list of charges they sent me in reply to my SAR, I notice something very interesting regarding Credit insurance Fees. Now my list of charges starts in March 2001. Credit Insurance Fees are charged from Oct 2001 until April 2006 when they suddenly stop and recommence again in August 2006 to the present time. Am I missing something blindingly obvious? There unfortunately has never been a zero balance on the card! Am now going to CCA them for a properly executed agreement as I don't ever remember ticking the insurance box and can't understand the stop/start regime of insurance fees! Should be very interesting to see if they can produce one - otherwise will be reclaiming the insurance as well:D

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Guest Battleaxe
Morning all! Have decided to have a bit more fun with our MBNA chums! On looking at the list of charges they sent me in reply to my SAR, I notice something very interesting regarding Credit insurance Fees. Now my list of charges starts in March 2001. Credit Insurance Fees are charged from Oct 2001 until April 2006 when they suddenly stop and recommence again in August 2006 to the present time. Am I missing something blindingly obvious? There unfortunately has never been a zero balance on the card! Am now going to CCA them for a properly executed agreement as I don't ever remember ticking the insurance box and can't understand the stop/start regime of insurance fees! Should be very interesting to see if they can produce one - otherwise will be reclaiming the insurance as well:D

 

It was the SAR where we picked this up and when we got aour copy of the so called Agreement, guess what? No tick in the box.

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I'm Screwed...... :-(

 

they sent me the agreement.....mind you its late but its there

 

12 working days was up 02 Apr.......got docs today 20 apr

 

t&c on reverse as well

 

Ah well unless there are any suggestions looks like I'll have to talk to them :-(

 

Dave

 

image below

 

mbnaresponse.jpg

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Anyone ??????

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Share on other sites

Dave did you blank out your signiture, or am I going blind?

 

Can see signiture on behalf of MBNA but not yours

lazybones :D

 

All opinions expressed by me are my own personal ones........

If in doubt seek Professional Advice

__________________________

 

MBNA....... S.A.R....Posted..12/3/07

Delivered..13/3/07..Replied..20/4/07-- Incmplete

Non-compliance letter sent...01/05/07

LTSB........S.A.R. ..Posted..14/3/07

Delivered..20/3/07..Replied..21/4/07--Incoplete

Non-compliance letter sent...07/05/07

AL+LE...... S.A.R... Posted..14/3/07

Delivered..15/3/07..Replied..20/4/07--Complete

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Hi Ladybird

 

yes Ive posted help on the usual places trying to get a response after posting here first....... very quiet tonight.

 

my only get out seems to be if the default notices should be on the front....(but I dont think so :-( )

 

Ah well looks like I'm up S**T creek without a paddle

 

youve gotta try though

 

lazybones........ I wiped my sig for security

 

 

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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My apologises Dave, sorry for your troubles and all the best.

lazybones :D

 

All opinions expressed by me are my own personal ones........

If in doubt seek Professional Advice

__________________________

 

MBNA....... S.A.R....Posted..12/3/07

Delivered..13/3/07..Replied..20/4/07-- Incmplete

Non-compliance letter sent...01/05/07

LTSB........S.A.R. ..Posted..14/3/07

Delivered..20/3/07..Replied..21/4/07--Incoplete

Non-compliance letter sent...07/05/07

AL+LE...... S.A.R... Posted..14/3/07

Delivered..15/3/07..Replied..20/4/07--Complete

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