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    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
    • That may be your personal claimed experience I said i didn't want smart meters - you jumped in to recommend smart meters I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest paying what I owe every month I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest a variable tariff - even if its one that only varies on a daily basis rather than half/hourly - with prices higher in winter when you need it and lowest in summer when you need it least   politeness ends with: - I'm NOT interested in any smart tariff I see, You are pushing your smart meter + variable tariffs in the wrong place - try pushing them somewhere 'nearer to home'  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Honey v MBNA


honey28
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good luck

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I sent my DPA request to MBNA with copy of marriage certificate, proof of address, maiden name and previous address details as I was unable to find the account number (closed account). Today I got a letter from Angela Cormack in Advocates office advising they are unable to locate my account using the information provided - mmmm, they found me ok when I owed them money!

 

I am going to have a root around today in the depths of my roofspace for an old statement to find the account number. Anyone else expeienced this stalling?

 

Does anyone have an email address for this Angela girl -do they all follow the format [email protected]??

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had no response at all from MBNA nor from the email I sent - re above. I have followed it up with another to her and cc Gareth Tunnicliffe. Maybe that will spur them on.

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  • 4 weeks later...

Received copy statements today - more like screen prints. In this instance they did not charge me for them (they are all heart!!)

 

I had a quick look through - from what I can see there are 3 missing so I have emailed them to ask for them asap.

 

I am claiming for late payment charges and over limit charges - this is correct isn't it? My other claims have only been for late payment charges (capital one).

 

Its a pity I cant claim for interest on cash withdrawals - one month it was £79.60 :mad:

I'm going to get my prelim typed up and ready - I dont want to send it until I confirm that there were no charges in the 3 statements they "forgot" to send!

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do what i did. try and read between the lines of the missing three months and add them on. if you are unsure then just add the charge on anyway. they will tell you if you are wrong. They just agreed with me as it would probably have only been one charge out if anything. they missed seven of mine due to "technical difficulties", quite funny as these were the seven with the most charges on !

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  • 2 weeks later...

Update to keep myself right

 

DPA request sent on 5 June

Rec'd on 14 July

Emailed Prelim to Gareth Tunnicliffe on 20 July and acknowledged as read.

14 days up on 3 Aug for LBA to be sent.

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  • 2 weeks later...

I emailed my prelim to Gareth Tunnicliffe on 20 July, I got the usual we need 28 days response... Tomorrow is the date to issue LBA - should I email it or post it? I originally had gone down the road of emailing (only with MBNA) as its just a small amount and I hoped to tempt them to settle early!

 

What do you guys think?

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Email if you wish but back it up with a letter in the post RD so they know you mean business;)

  • Confused 1

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Good luck:):):)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Sent a little reminder email to our good friend Gareth reminding him that tomorrow is claim day - no reponse as yet. I will check post in morning and go ahead with claim if nothing received.

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Go and get them honey:):)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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  • 2 weeks later...
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