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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • dx100uk
      Parking Fee Paid But Input Incorrect VRN - Discussion thread

      By dx100uk · Posted

      if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • dx100uk
      Advise on debt I currently hold

      By dx100uk · Posted

      receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • tobyjugg2
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By tobyjugg2 · Posted

      Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

topjetvmbna trouble with cccs

topjet
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topjet

topjet

Posted
Posted

what can i do rang my debt managment team at cccs.co.uk

told them to stop my payment to MBNA they told me they cant do that so where do i go from hear, thought cccs was supose to help me.

basically cccs dont care less think they are worse than DCA S , any info cheers.

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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topjet

topjet

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I don't know much about CCCS, but did they give you a reason ?

 

they said ive signed with them to pay my creditors , anyway i rang MBNA and told them i wil stop payments if they dont freeze my account and stop charges,i made it clear that should they take me to court they will loose out or sell it to a DCA , hopefully they will stop the charges they did it last year i missed a payment so they put them back on .

CCCS - are a free debt managment agency ..

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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PriorityOne

PriorityOne

Posted
Posted

It might be because you rang them. Put your request in writing to CCCS. Make it a rule for the future.... to always communicate in writing. Not only will it give you proven dates of when requests have been made, but you will also have a paper trail if/when things go wrong, or are disputed, etc.

 

Send it off be rec. delivery, keep a copy for yourself and keep the receipt.

 

What is the debt with MBNA for ? Credit card ? Loan ? You need to stop negotiating over the 'phone !

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topjet

topjet

Posted
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Posted

its only a credit card just got a statement from cccs , cccs arent much better than DCA s , all you get is you got to pay MBNA .

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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Gingerheid

Gingerheid

Posted
Posted

And in a sense they are right I'm afraid.

 

CCCS are excellent; I've never seen anything that would make me think they are bad, let alone as bad as a DCA. It's MBNA that are being obnoxious swines here, not CCCS.

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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JonCris

JonCris

Posted
Posted

topjet you MUST put the MBNA debt into dispute now by sending a CCA request before you stop payments.

 

If you don't & just stop payments they will pass your account to someone like 1st credit who will disregard you arrangements with CCCS & demand payment in full within 7 days & if payment is not forthcoming & you own your home or are in work they will apply to Northampton CC for an interim charging order followed by a later hearing for a final order.

 

Gingerhead CCCS are a charity & I'm reluctant to critizise but I have to tell you that their understanding of consumer law & the advice they sometimes give can be very mistaken & lead to considerable problems for debtors who have followed that advice, as some on this site can confirm

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ScarletPimpernel

ScarletPimpernel

Posted
Posted

CCCS are usually very good, but of late they have become busier and so had to try and do more with the same resources. Theoretically, DCAs and creditors should recognise that someone who has gone to CCCS (or Payplan) has acknowledged that they are in difficulties but are committed to resolving the situation. Unfortunately, in practice, some DCAs and creditors don't play by the rules and this creates a substantial amount of additional work for CCCS. MBNA are probably the most difficult to deal with

 

I have referred several people to CCCS, and am in regular touch with them. My experience is that whilst things are straightforward they are excellent, but they don't have the resources to deal with anything complex. However, there's nothing to stop the individual doing some of the work themselves, or getting someone else to do it for them.

 

For example, one of my clients is aware that much of her debt to MBNA is made up of penalty charges. CCCS can't deal with this, so I've drafted letters and we are dealing with it separately. In another case MBNA suddenly started adding PPI to an account; again querying this through CCCS would be a long drawn out process, so I am having fun dealing direct. In another case First Direct persuaded a client to pay them direct, even though FD had agreed to a DMP; this has now been reinstated - but all with most of the work done beforehand for CCCS to save time.

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JonCris

JonCris

Posted
Posted

The CCCS have on occasion advised consumers to admit the debt which has consisted in the main of penalty charges & this has allowed creditors to obtain CCJ's unchallenged.

 

I am also aware of some debtors who have been advised to admit a debt which has clearly been considerably out of time thereby causing the debt to become enforcable

 

One of the tactics of MBNA is to agree a short term agreement with regular reviews & then as soon at it expires to pass the debt to a DCA who will then seek to recover the debt

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ScarletPimpernel

ScarletPimpernel

Posted
Posted

 

One of the tactics of MBNA is to agree a short term agreement with regular reviews & then as soon at it expires to pass the debt to a DCA who will then seek to recover the debt

 

 

Another of their tricks is to start harassing debtors on DMPs, claiming that payments have been missed (when they haven't), and that the DMP is now void so they'll be adding charges and interest again. MBNA will also claim not to be able to speak to CCCS/Payplan (nonsense, as they have Paylink). Ultimately MBNA will agree to 'reschedule' the debt, which means they'll leave the extra charges and interest, but restart the DMP. This tactic relies on CCCS/Payplan being so busy that debtors find it hard to get through to them, or to get anything done quickly. It also relies upon CCCS/Payplan not taking the extra charges up with MBNA, again because they are too busy.

 

Then there's MBNA's own version of 'good cop, bad cop'. It starts with a DMP, and sudden telephone harrassment, then one day a 'nice lady' phones the debtor, and suggests that she can help. She can stop the calls, and she can agree payments that will make the debt go down quicker, but the help is conditional on it remaining a secret from CCCS, and the nice lady will have to ok it with her boss, who's usually very strict, but.... It's a cynical and unsavoury tactic that preys on the vulnerable.

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topjet

topjet

Posted
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Posted

what happens after i request a CCA i did sign 1 when i got the credit card from Abbey,I dont see what the hassle with MBNA is as they are receiving money from me .

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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gizmo111

gizmo111

Posted
Posted
what can i do rang my debt managment team at cccs.co.uk

told them to stop my payment to MBNA they told me they cant do that so where do i go from hear, thought cccs was supose to help me.

basically cccs dont care less think they are worse than DCA S , any info cheers.

 

Why are you asking them to stop payment?

Consumer Health Forums - where you can discuss any health or relationship matters.

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topjet

topjet

Posted
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Posted

if they stop payment MBNA will hopefully sell it to a DCA then they freez the charges or am i better off paying the balance of MBNA ??

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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PriorityOne

PriorityOne

Posted
Posted
if they stop payment MBNA will hopefully sell it to a DCA then they freez the charges or am i better off paying the balance of MBNA ??

 

It's a bad idea to stop paying altogether in the hope that MBNA sell it on. You need to send a CCA request.. then if they do not comply, you can stop paying then... and have the law on your side when you do.

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yaffsimone1

yaffsimone1

Posted
Posted
they will pass your account to someone like 1st credit who will disregard you arrangements with CCCS & demand payment in full within 7 days & if payment is not forthcoming & you own your home or are in work they will apply to Northampton CC for an interim charging order

 

 

An officer of at least pay band D may authorise application for a charging order against a judgment debtor, provided that payment of the judgment debt is in arrear under the terms of the judgment or order (you have to of failed to pay a CCJ first)

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sequenci

sequenci

Posted
Posted
The CCCS have on occasion advised consumers to admit the debt which has consisted in the main of penalty charges & this has allowed creditors to obtain CCJ's unchallenged.

 

the onus has to be on the debtor to inform the advice agency (whoever they may be) to inform them that have have incurred these penalties, it may not become knowledge to the adviser. usually in our organisation we try to find out any root causes such as charges etc but on occasion it may not be apparant (i don't work for cccs btw haha).

 

 

I am also aware of some debtors who have been advised to admit a debt which has clearly been considerably out of time thereby causing the debt to become enforcable

 

 

this is certainly something we would *never* do.

 

tbh i think the training that cccs advisers recieve is not as detailed as the training we have, but that might be wild speculation. we get 9 months solid.

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topjet

topjet

Posted
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Also, non-compliance with a CCA request will stop them going for a CCJ because it represents a complete defence in any claim that is brought against you.

 

:)

so what happens should MBNA send me the CCA ??

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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PriorityOne

PriorityOne

Posted
Posted
so what happens should MBNA send me the CCA ??

 

If they have the CCA, then they have the legal right to collect from you. However, they may well sell the debt on if you offer token payments each month because they will not want to collect on the account until the end of time.

 

:)

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topjet

topjet

Posted
  • Author
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intrest charge is £23 and late fee £12 so they must be something wrong rang MBNA today and they said as before they need a budget plan from me not cccs so they can freeze the account looks like i will be paying for ever.

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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PriorityOne

PriorityOne

Posted
Posted
intrest charge is £23 and late fee £12 so they must be something wrong rang MBNA today and they said as before they need a budget plan from me not cccs so they can freeze the account looks like i will be paying for ever.

 

Send the CCA... and you may not have to pay forever. If they do come back with it, then SAR them for the charges and once you have re-claimed these, offer token payments on the true balance, based upon your income/expenditure.

 

:)

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topjet

topjet

Posted
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Posted

ive just copied a DPA letter

should i not get a reply

 

 

http://www.ico.gov.uk/upload/documents/library/data_protection/introductory/data_protection_-_when_and_how_to_complain.pdf

DPA SENT TO MBNA

 

7/4/07 40 DAYS MAY 16 ..

 

 

 

Send the DPA letter for all the statements include a £10 postal order and write "DPA request fee only" across the back of it. Send the letter by Special next day guaranteed delivery. Keep the receipts. Keep a copy of the letter as well.

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