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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
    • On the other thread you posted on, you asked about immigration issues. We aren't qualified to give that advice, sadly, you would need to find an authorised adviser. 'It is a criminal offence for a person to provide immigration advice or services in the UK unless their organisation is regulated by the Office of the Immigration Services Commissioner (OISC) or is otherwise covered by the Immigration and Asylum Act 1999. Members of certain professional bodies may give immigration advice without registering with OISC.' How to become a regulated immigration adviser - GOV.UK WWW.GOV.UK  
    • Hi. Can you show us the letter from the police please? Cover up your name and address. Our upload guide will help you. HB
    • Baidu's Qu Jing tells workers she does not care for them because, 'I am not your mum'.View the full article
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    • 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.

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Fred Bassett v MBNA


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hi MBB it may help to start your own thread on here in order for people to help you and not to hijack Fred's.

Firstly, at Chester Towers the left hand doesn't know what the right hand is doing.

Don't expect any reasonable dialogue with them as you won't get it.

 

I've been in dispute with MBNA since April 07 regarding non compliance with a CCA - they have even admitted they don't have the original copy - yet this hasn't stopped them defaulting the account in Nov 07.

 

No default notice was ever sent, I don't think the debt has been sold on as I don't get any scummy DCAs chasing. I'm just in limbo with a dodgy credit file.

 

Be warned - MBNA are a law unto themselves - they WILL default the account and then inform you "no further correspondence"

I don't mean to put you off - I'm just saying be prepared for the long haul :)

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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Hi MBB,

 

Feel free to pinch what you like - I almost certainly did so in the first place. Redsue is right - they are slippery so and so's so be careful. Another of their tricks is to ring you, ask for you by your first name then start talking without bothering to take any steps to ascertain that you really are who they want to speak to. Just remember the golden rule - don't talk to them.

 

Looks like you've made a good start. I'll keep an eye out for your thread, so post a link on here once you've started it.

 

Good luck.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks Fred, I think they've given up ringing anymore though :D

 

Link: Molby's Bar Bill vs MBNA

 

Don't worry MBB, they'll start again soon enough. Forwarned is forearmed.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks Fred, I think they've given up ringing anymore though :D

 

Link: Molby's Bar Bill vs MBNA

 

Hi MBB,

 

Which forum did you put your thread in? The link doesn't seem to work and I can't find it.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 months later...

I got one like this over my BoS account, so that's Iqor 0, Fred Bassett 2.

 

Iqorgiveup.jpg

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Nice one Fred, an apology. Are you framing it ? :D With any luck you will soon get one from MBNA :)

 

 

Hi MBB,

 

Which forum did you put your thread in? The link doesn't seem to work and I can't find it.

 

Fred

 

Here is the link to Molby's thread.

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/165675-molbys-bar-bill-mbna.html

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Nice one Fred, an apology. Are you framing it ? :D With any luck you will soon get one from MBNA :)

 

Nice thought CitiB, but somehow I doubt it. I'm just wondering who it will go to next. I hope it's Wescot. I've already got them running around in circles over two other accounts and it would be nice to get the hat trick. On the other hand, I might get a new DCA to play with.

 

I'm sure I'll find out soon enough.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi Fred, I'd make them confirm they have deleted any and all records of you from their databases.

 

Thanks Alpha and congratulations on reaching the Millennium!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 3 months later...

Well I hadn't heard anything for a while until today when I got a letter from MBNA telling me that they have now passed the management of this account onto Allied Credit International. I can't scan it at the moment but there isn't much more to it than that.

 

Anyone had any dealings with AIC and could tell me what to expect?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CitiB. I did do a search earlier on and found a few links. It seems like they are a pretty nasty lot. That doesn't bother me to be honest, I'm well equipped to deal with whatever they throw at me and in a perverse sort of way I'm looking forward to it.

 

I do wonder though, if people like MBNA have a kind of scale when passing things on to DCAs, i.e. "we'll try IQOR first and if they don't do the job we'll bring in the nasty ba****ds".

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I have been to RMA and Arrow/Fredrickson International only with MBNA. Still waiting on a reply from Fredrickson. Letter sent January 2009 !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have been to RMA and Arrow/Fredrickson International only with MBNA. Still waiting on a reply from Fredrickson. Letter sent January 2009 !!

 

I've seen off IQOR on this accont, so I don't think for one minute AIC will be any more succesful. They might just provide a bit of excitement in a pretty dull time (DCA-wise) at the moment. I'll just have to wait and see. Apparently, I can expect a yellow envelope first. Can't wait!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I just spotted something and I don't know how relevant this is, if at all. My original agreement with MBNA was with 'MBNA International Bank'. This was changed back in 2003 to 'MBNA Europe'. Is this in any way significant?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hello Fred!

 

Looks OK, if you check out the current Company name MBNA Europe Bank Limited at:

 

Companies House

 

This seems to conform that they changed their name in 2001 (01/03/2001):

 

Name & Registered Office:

 

MBNA EUROPE BANK LIMITED

STANSFIELD HOUSE

CHESTER BUSINESS PARK

CHESTER CHESHIRE

CH4 9QQ

 

Company No. 02783251

 

Status: Active

Date of Incorporation: 25/01/1993

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2007 (GROUP)

Next Accounts Due: 31/10/2009

Last Return Made Up To: 17/01/2009

Next Return Due: 14/02/2010

Last Members List: 17/01/2009

Previous Names: Date of change Previous Name

 

01/03/2001 MBNA INTERNATIONAL BANK LIMITED

16/08/1993 MBNA INTERNATIONAL LIMITED

17/03/1993 MBNA LIMITED

03/03/1993 AYIOS LIMITED

But do cross-check that the Company Number (02783251) is the same for both, that should be on the letterheads somewhere.

 

Cheers,

BRW

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Hello Fred!

 

Looks OK, if you check out the current Company name MBNA Europe Bank Limited at:

 

Companies House

 

This seems to conform that they changed their name in 2001 (01/03/2001):

 

But do cross-check that the Company Number (02783251) is the same for both, that should be on the letterheads somewhere.

 

Cheers,

BRW

 

 

Cheers BRW.

 

It's not really important to me to be honest - I just wondered if there was anything untoward going on. You know how much regard MBNA pay towards UK law.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 weeks later...

aiccard.jpg

 

This is the card from AIC that I received recently.

 

They'v tried to call me today as well. I think I will send them a letter now.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Please tell me this came in an envelope !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Please tell me this came in an envelope !!

 

It did.

 

I'm just going to concoct a letter in response to the Gorbals girlie's 'phone call. Think I'll get my revenge in first.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Has anyone got an email address for AIC? I begrudge the cost of a stamp.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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