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    • I had to call an ambulance for my wife, but one of the paramedics was not happy, about the condition of our house, as it's cluttered. And he  would only see to my wife, on the ambulance itself. After diagnosis they took my wife to hospital. My wife was ill for a few months, and received help from the district nurses. We then got a call from a social worker, who wanted to visit us, and discuss ways to make my wife more comfortable. When I asked for more details, she became vague, but could give us a phone number, if she visited. I politely declined her offer, as I was coping, along with my daughter in caring for my wife. Then a letter arrived from another social worker, saying similar things, to the first. I didn't bother to reply. Another letter has just turned up, from the social services legal department, which doesn't say anything specific, but refers to the other social workers trying to visit us. Coming from a legal department, has badly upset my wife, who's recovery was on going, and she now fears that someone will be coming to the house, to do whatever. Do we have to respond, or take notice of these people. Also we recently had a fire prevention officer come and fit, smoke and heat detectors. He didn't voice any concerns with the conditions at the property. Worried, Paul.
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    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
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Mbna - Properly Executed Agreements


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at the bottom of one of the posts.

 

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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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sorry to hijack - but I'm after some help with this letter I received this morning - I think MBNA are talking complete b******s - thanks

http://www.consumeractiongroup.co.uk/forum/mbna/81907-mbna-ding-ding-round.html#post920393

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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  • 2 weeks later...

Just got my FULL S.A.R - (Subject Access Request) after a fight :)

 

re: part of my thread here

 

http://www.consumeractiongroup.co.uk/forum/general-debt/84285-ccas-dave-against-world.html

 

cannot find ANY reference to cancelation rights being sent so I might just have a go at them.

 

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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  • 4 weeks later...

dave and friends could you take a glance at this cca reply from mbna to see if it complies.also i believe i have an original copy at my parents house to check it against the original-especially those t&c on the back.

 

IMGP0572.jpg - Image - Photobucket - Video and Image Hosting

 

IMGP0571.jpg - Image - Photobucket - Video and Image Hosting

 

IMGP0570.jpg - Image - Photobucket - Video and Image Hosting

 

thanks j

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Hi I could be wrong here there will be more knowledgeable than me looking at this looks to me to be two sides application form and PART of the terms and conditions most people are getting a 4 page T&C from MBNA now if the T&C have £12 a default then they are from June 2006 onward.

 

all the best dpick:)

  • Haha 1
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so is your view that this is an executed agreement or do all the terms and conditions need to be provided at the time of signature.

i think at this stage i need to do a S.A.R - (Subject Access Request) to see the full story.

 

thanks

 

Hi dpick again sorry I did not make this clear in my view this is an application (pre-contractual) not an agreement the prescribed terms could be on T&C but they must be supplied at same time as agreement and if supplied as part of CCA act 1974 must be those applicable at time of signing (how else could they say what you had singed up to)

 

I would do SAR for no other reason then to see what the twits have been upto but take advice from me on this make sure your SAR is a full SAR not just for transactions you will be surprised what comes out of the woodwork I know I was.

 

As before this is my opinion not law and others know far more than I

 

If you not sure of what to ask for in sar PM me and I will send you copy of mine.

all the best dpick:)

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slides over and sits down next to corn....

 

hey hun :D

 

i see your thread has grown a lil bit since i was last here

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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Hi. Sorry to barge in.

 

MBNA have sent me this document in response to one of my CCA requests.

If anybody has any observations/opinions, I would be grateful if you could post on my thread. Thanks.

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

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so is your view that this is an executed agreement or do all the terms and conditions need to be provided at the time of signature.

i think at this stage i need to do a S.A.R - (Subject Access Request) to see the full story.

 

thanks

 

 

Hi,

 

 

I don't see how you could possibly agree to 2006 T's & C's back in 2000!

 

 

Jeff.

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I can't put this up but it has been bothering me. I sent mbna a cca and received a photocopy back with signatures and the t&cs on the back, although there is no indication of what it is. I suspect it may be one of the few properley executed agreements.

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I can't put this up but it has been bothering me. I sent mbna a cca and received a photocopy back with signatures and the t&cs on the back, although there is no indication of what it is. I suspect it may be one of the few properley executed agreements.

 

Has there been a proper one yet?

 

Why cant you put it up?

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Therafalution...

 

Have a lookysee on my MBNA thread, is it like that one? Have a look at some of the advice I've got up to now.

 

Let me know

 

Pudsters14

x x x x x x x

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I can't put this up but it has been bothering me. I sent mbna a cca and received a photocopy back with signatures and the t&cs on the back, although there is no indication of what it is. I suspect it may be one of the few properley executed agreements.

 

Is it for a CC or a loan......if it is for a loan what date are the signatures? and what date is the agreement

 

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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Yes Progenic, what has happened to our Corn and our Battleaxe, someone return them to their rightful owners, we need them!:(

 

They are elsewhere occupied.......but i have seen them about once or twice

 

rgds

 

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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  • 2 weeks later...

hi everyone,

 

i have just recieved this mbna cca via lowell financial.only one page recieved and this was scanned so it is a good copy.as can be seen it is mostly illegible with the exception of my name and credit limit which is crystal clear !.strange the credit limit is 2k yet i believe the apr rates refer to 1k 3k etc.

could you give me some idea on a professional response to lowell.it has also arrived beyond the 12 + 2 days but within the 12+2+30.

 

thanks

 

http://i181.photobucket.com/albums/x175/janequeenie/lowell.jpg

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it's for a loan, have took a picyure with my digital camera will try to download. oops can't do it help.

 

 

 

Hi,

 

 

Open an account at :

 

 

Image hosting, free photo sharing & video sharing at Photobucket

 

 

Then upload your image to your account and copy it to your post! (Loads of help on the site).

 

 

Regards, Jeff.

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