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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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Moneydownthedrain v MBNA


Moneydownthedrain
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Hi, I'm new to this site and I hope that I'm doing this correctly, but I desperately need some some advice. Since March our finances have been in the hands of CAB and all creditors except MBNA have accepted the amounts allocated by the CAB. Although regular payments of the agreed amounts have been sent to MBNA, since March their bills have increased by £514 and £697 respectively on each card, due to £25 late payment fee & mega interest monthly and now £25 over limit charge. We also receive daily telephone calls to our home, mobiles and work which are quietly threatening. Also loads of letters, to which I replied to each and every one repeating the circumstances. Yesterday we received a very threatening 'Intention to commence legal proceedings' which stated 'may result in County Court Judgment, Attachment of Earnings and Bailiff with a Warrant of Execution'. I have spoken to the Debt Management team - who said they would stop additional interest of the account if I would increase the payments by an extra £60 but they wont refund the above amounts. We are on a budget plan and every penny is allocated. Is there anything we can do to stop these additional charges? Any advice would be welcome, the CAB due to funding problems have closed the case. Help!!

Moneydownthedrain

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hi, i relly wish i could help, you sound so desperate! personally i would let them take you to court, i think i'm right in saying as long as you are paying the agreed amounts on time they wont win. as long as you can show the court that you have and are willing to pay something they will throw it out! of course i'm not an expert but i do think you are doing the right thing. hope this helps? i'm sure someone on here will help you out with advice. keep your chin up:)

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Hi, I'm new to this site and I hope that I'm doing this correctly, but I desperately need some some advice. Since March our finances have been in the hands of CAB and all creditors except MBNA have accepted the amounts allocated by the CAB. Although regular payments of the agreed amounts have been sent to MBNA, since March their bills have increased by £514 and £697 respectively on each card, due to £25 late payment fee & mega interest monthly and now £25 over limit charge. We also receive daily telephone calls to our home, mobiles and work which are quietly threatening. Also loads of letters, to which I replied to each and every one repeating the circumstances. Yesterday we received a very threatening 'Intention to commence legal proceedings' which stated 'may result in County Court Judgment, Attachment of Earnings and Bailiff with a Warrant of Execution'. I have spoken to the Debt Management team - who said they would stop additional interest of the account if I would increase the payments by an extra £60 but they wont refund the above amounts. We are on a budget plan and every penny is allocated. Is there anything we can do to stop these additional charges? Any advice would be welcome, the CAB due to funding problems have closed the case. Help!!

Moneydownthedrain

 

Hi,

 

I do feel for you, as I know what you're going through.

 

Do yourself a big favour and go onto http://www.nationaldebtline.co.uk

 

Download the self help pack and give them a call asap - it'll take time to get through.

 

Firstly, be aware of this:

THEY ARE TRYING TO WEAR YOU DOWN, MENTALLY and also your dignity.

 

The telephone calls probably come from a company called Global Vantedge, or GVI as they like to be called. These are filth from the pit of new delhi - and they all read from the same script.

 

Am I right in thinking that you probably get 3 - 4 calls a day from these people, and they call from 8am through to 9pm. Before you speak to them always ask for their 'login ID'. Also when they call ask for the address of their HQ or UK base of operations. If you haven't recieved a letter from GVI telling you that they are taking care of your debt, then tell them also that you don't know who they are.

 

You could also ask if the debt has been sold on to them, if yes (it wouldn't have) tell them that you want an official letter in writing from MBNA saying that they will have no further communication as the debt is no longer with them.

 

Also you are within your rights to ask that they only contact you by post. If you notify them of this intention, and they still call you, then a letter to the OFT is in order.

 

The debtline pack is also full of sample letters that you can modify to send on. Don't ever be scared of a CCJ, a judge will look favourably upon you as you have made every effort to pay.- you have shown a willingness to pay.

 

Companies like MBNA really don't want to go to a ccj, it's a bit like going down the bankruptcy or IVA route, the minute it goes in front of a judge, it all gets taken out of their hands.

 

They prey on the stigma of having a poor credit rating and court judgments to scare you. As for bailifs, only a court can order a warrent of execution for a bailiff, and again, if it's gone this far, it's out of their hands anyway.

 

What i'm trying to say is that you shouldn't worry - there is very little that can be done, that is why despite all the letters saying that you're going to the cleaners in a fortnight, they keep coming for months afterwards.

 

MBNA are financial paedophiles collecting because you don't want their sweets anymore.

 

It would also be worth ringing them, one evening, and saying that you want to update them of new contact numbers - get a pay as you go sim card and give them the number for that. - they never leave messages.

Also ask what number they have for work and say it's the wrong number as you are moving offices or location, and that the mobile is the only number to get you on. If they won't have it, just give a cobblers number out of the yellow pages.

 

But do give debt line or payplan a ring - payplan can try and set up a dmp (debt management plan) or an IVA, but more importantly they'll give you peaceof mind. I called them before christmas, and I wish i'd have done it a year ago.

 

If you need any support or advice, feel free to PM or post.

 

Also if you can, try and tell them if they call in the day to call in the evening, and record the conversations - these are admisible in court, and i'm sure that once you have enough of them, if it did go to court or you wished to sue them for harrasment and distress they would make excellent listening.

 

Hope this puts some of your fears at bay. just keep paying what you can. As long as you pay something, there is always the papertrail to say that you have tried everything possible.

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Hi Moneydownthedrain !

 

I am so sorry to hear about you situation:(

but if you want help and advice....

post your question under your own BAG ID, rather than on Sev's "Devious ****"-

 

Think of a title, post your question again and then you will receive more responses and GOOD advice.

 

You are entitled to claim back the Unlawful penalties that have been applied to your account and if you are on a low income and in receipt of working tax credits etc., then issuing a county court claim would cost you very little or nothing.

 

Read the FAQ's and then post your question again.

 

Kind thoughts

 

angry cat

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Don't worry Moneydownthedrain!

 

Now that you have got your own thread, you can keep us all posted on your progress and I see that you have already had excellent advice from Sev.

 

make sure that you phone national debtline on monday, they are extremely helpful.

 

Kind thoughts

 

angry cat

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Hi Moneydownthedrain,

 

I have a DMP running through Payplan and MBNA are one of my creditors. I can't recommend Payplan highly enough. They will handle all the contact for you if that is what you want. Also, as soon as I involved Payplan ALL interest and ALL penalty charges stopped.

 

It must feel horrible for you right now but it will get better.

 

http://www.payplan.co.uk

 

Sharon

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Hi Sharon,

Thanks for the advice, I certainly will contact them tomorrow. I have a financial statement arranged by the local CAB and just going to them took a lot of courage (admitting that you are drowning in debt!) but I felt tonnes better afterwards, only to be told six weeks down the line that they were closing the account due to lack of funding, I felt sick. My god! I was on my own with the creditors braying for blood. As I have said over the weeks most creditors accepted grudgingly and some have stopped the interest but not MBNA. And then I heard on the televison about this forum. Thank GOD. I will keep you inform.

Thanks to everyone.

moneydownthedrain

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Good Girl,

 

Call PayPlan and debtline. they are an absolute godsend and put everything in perspective for you. Keep us informed, and don't feel afraid to ask questions.

 

We've all been there, are there, or about to go there!

c-Ya

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Hi Moneydownthedrain

 

Just remember that you are not alone!

 

MBNA are the worst but they will eventually 'Cave In'....You just need to be aware, that once you have contacted National Debtline or Payplan, you will then have the correct advice on how to deal with the matter.

The OFT has a 'Code of Guidance' on how firm's should treat debtors and MBNA has to adhere to this Code.

 

Have a good night's sleep and forget about MBNA until the morning, when you make your phone call to one of the debt advice lines.

 

I have had three years of torment from MBNA, therefore I know exactly what you are going through....!

 

When the going get's tough, the tough get going.....

 

Kind thought to you:)

 

angry cat

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This is my 1st time into this site (newly registered ;) ), and I have to agree with yourself and Sev that of all my 'problems' in the past MBNA was the worst and the nastiest. :evil:

 

Once I know a bit more (and find out where to start reading the site) I'll be starting a couple of threads of my own and you can hear the full (sad) story.

 

Good luck with what you're doing, and I hope I find my feet quick enough - the 6-year rule is aleady chopping off access to the charges against me.

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Hi Taylormade,

Welcome, :) I've only been registered a few days my self and I'm still finding my way around but helpful advice and support offered by everyone, is worth its weight in GOLD.

 

I'm off to write to MBNA again asking for a refund of £1000 plus charges since March.

Moneydownthedrain

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I can sympathise entirely with your experience of dealing with MBNA. I am also on a debt management plan (via the excellent and free CCCS) and like yourself found this bank to be the most obnoxious, uncaring and downright sneaky organisation I have ever had the misfortune to deal with.

 

The one thing I did stipulate with them right from the off was that I would only deal with them via written correspondence - about the only request of mine they did stick to. The account has been passed backwards and forwards between MBNA and various dubious debt collection agencies, all of whom gave up when I informed them I was on a DMP with CCCS.

 

They pull some very dodgy stunts - sending you pretty postcards informing you they will telephone you during the week, sending dodgy Telemessages and (prior to my written correspondence only request) telephoning me at work pretending to be a mate....

 

This organisation refused point blank to stop interest charges, and for 10 months after the debt management plan continued to charge me £50 per month for late payments/overlimit fees, as well as extortionate interest.

 

In the end, I snapped and rang them. I was highly fortunate to get to speak to someone who was actually sympathetic to my cause and she eventually froze the interest and charges on my account. They then passed the debt to yet another collection agency.

 

Their tactics are borderline harrassing (do a search for the word harrassment on this forum), and you should be aware there are plenty of laws in place to protect the consumer from devious actions such as these.

 

Nothing will give me greater pleasure than taking these uncaring numpties to court. I have not yet commenced action against them (I am starting with the equally obnoxious Halifax, a former employer back in the day when they were aq caring building society, not a money grabbing bunch of capitalist pigs).

 

Anyroad - upshot is, follow the advice from folks above : Payplan, CCCS, CAB and National Debt Helpline know all about MBNA. Don't lose heart, and don't let the b-words drag you down : their computerised standard letters are a joke and are worthy of the treatment I gave them : nothing...

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Hi Taylormade,

Welcome, :) I've only been registered a few days my self and I'm still finding my way around ......

 

It looks like we're starting from about the same point - it'll be interesting to see how each other are doing (although I'm probably going to start with HSBC). I just noticed - you're local. :) First one to a repayment buys the other a pint of their choice (Pepsi for my I'm afraid) :D

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Hi again,

You're on, but you will have to add vodka to mine after this. I've just spent the last hour writing a letter to MBNA, I would appreciate any comments before I post it.

 

Here goes:

 

Attention: of the Debt Management Team,

Dear Sir/Madam

With reference to a telephone conversation with your advisor Anthony on 8th June, regarding your letter ‘Intention to commence legal proceedings’ received on the same date.

I again repeated our financial circumstances and our compliance with arrangements made by the CAB that regular payments of £49.40 against the above account ending in 2441 and £36.26 against account ending in 6859 have been made and the first payment was made on the 16th March and has been paid regularly since that date.

I express concern that your company was still charging late payment fees of £25 each month, mega interest and now over limit fees of £25, and the fact that your bills have increased by £514.53 and £697.77 respectively since March. Anthony agreed to freeze all charges on both cards from that date but refused to refund the above charges.

After taking advice, I am officially again asking you to refund all charges levied against the above cards over the last six years up to and including the above amounts. I now understand that the regime of fees which your company applied to our accounts in relation to late payments and other charges were unlawful at Common Law, Statute and recent Consumer regulations.

If you wish to dispute that fact, could you please send me a full breakdown of the costs accrued by your company as a result of our breaches, this would greatly reassure me that your penalties really do reflect your costs.

Also, I would like to draw your attention to the report issued by OFT on the 5th April 2006 in which it confirmed that your particularly high level of penalties are considered to be unfair and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

Anthony also requested that we increase the CAB agreed payments to £88 and £65 respectively to bring the payments in line with your 8% rule. This unfortunately, we can not do as all available income has been allocated fairly between all creditors. I am sure if your company refunded all charges levied against these accounts over the years, the payments offered and made would comply well within your 8% ruling.

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

We also wish to inform you that all other creditors have accepted the amounts allocated to them by the Citizens Advice Bureau. We would also appreciate your company’s acceptance and refund of charges.

Yours Faithfully etc., End

What do you think?, is it OK or does it need any adjustments. ALL COMMENTS WELCOME.

Moneydownthedrain

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Hi All,

One hour and a vodka & coke later.

 

Here goes:

 

Attention: of the Debt Management Team,

 

 

Dear Sir/Madam

 

With reference to a telephone conversation with your advisor Anthony on 8th June, regarding your letter ‘Intention to commence legal proceedings’ received on the same date.

 

I again repeated our financial circumstances and our compliance with arrangements made by the CAB that regular payments of £49.40 against the above account ending in 2441 and £36.26 against account ending in 6859 have been made and the first payment was made on the 16th March and has been paid regularly since that date.

 

I express concern that your company was still charging late payment fees of £25 each month, extortionate interest and now over limit fees of £25, and the fact that your bills have increased by £514.53 and £697.77 respectively since March. Anthony agreed to freeze all charges on both cards from that date but refused to refund the above charges.

 

After taking advice, I am officially again asking you to refund all charges levied against the above cards over the last six years up to and including the above amounts. I now understand that the regime of fees which your company applied to our accounts in relation to late payments and other charges were unlawful at Common Law, Statute and recent Consumer regulations.

 

Also, I would like to draw your attention to the report issued by OFT on the 5th April 2006 in which it confirmed that your particularly high level of penalties are considered to be unfair and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Anthony also requested that we increase the CAB agreed payments to £88 and £65 respectively to bring the payments in line with your 8% rule. This unfortunately, we can not do as all available income has been allocated fairly between all creditors. I am sure if your company refunded all charges levied against these accounts over the years, the payments offered and made would comply well within your 8% ruling.

 

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

 

We also wish to inform you that all other creditors have accepted the amounts allocated to them by the Citizens Advice Bureau. We would also appreciate your company’s acceptance and refund of charges.

Yours Faithfully etc., End

 

 

What do you think?, is it OK or does it need any adjustments. ALL COMMENTS WELCOME.

Moneydownthedrain

 

 

MODERATED threads joined .Please keep to the one thread when updating

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Letter to DMT MBNA - Does this sound OK - All comments welcome Hi everyone, I posted this thread on Sunday, after taking everyones advice but I must have done some thing wrong because I have no responses, so I thought I would try again..

:p :p :p

 

Hi All,

One hour and a vodka & coke later.

 

Here goes:

 

Attention: of the Debt Management Team,

 

 

Dear Sir/Madam

 

With reference to a telephone conversation with your advisor Anthony on 8th June, regarding your letter ‘Intention to commence legal proceedings’ received on the same date.

 

I again repeated our financial circumstances and our compliance with arrangements made by the CAB that regular payments of £49.40 against the above account ending in 2441 and £36.26 against account ending in 6859 have been made and the first payment was made on the 16th March and has been paid regularly since that date.

 

I express concern that your company was still charging late payment fees of £25 each month, mega interest and now over limit fees of £25, and the fact that your bills have increased by £514.53 and £697.77 respectively since March. Anthony agreed to freeze all charges on both cards from that date but refused to refund the above charges.

 

After taking advice, I am officially again asking you to refund all charges levied against the above cards over the last six years up to and including the above amounts. I now understand that the regime of fees which your company applied to our accounts in relation to late payments and other charges were unlawful at Common Law, Statute and recent Consumer regulations.

 

If you wish to dispute that fact, could you please send me a full breakdown of the costs accrued by your company as a result of our breaches, this would greatly reassure me that your penalties really do reflect your costs.

Also, I would like to draw your attention to the report issued by OFT on the 5th April 2006 in which it confirmed that your particularly high level of penalties are considered to be unfair and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Anthony also requested that we increase the CAB agreed payments to £88 and £65 respectively to bring the payments in line with your 8% rule. This unfortunately, we can not do as all available income has been allocated fairly between all creditors. I am sure if your company refunded all charges levied against these accounts over the years, the payments offered and made would comply well within your 8% ruling.

 

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

 

We also wish to inform you that all other creditors have accepted the amounts allocated to them by the Citizens Advice Bureau. We would also appreciate your company’s acceptance and refund of charges.

Yours Faithfully etc., End

 

 

What do you think?, is it OK or does it need any adjustments. ALL COMMENTS WELCOME.

Moneydownthedrain

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Hi MDTD, here are my initial thoughts.

 

In your opening paragraph I'd loose the word mega as it sounds a bit 'street'. Maybe 'high' would be better, or if you feel that strongly you could use 'unacceptable' or 'extortionate'.

 

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

 

If you don't get a response what are you going to do? Warn them!

 

If you wish to dispute that fact, could you please send me a full breakdown of the costs accrued by your company as a result of our breaches, this would greatly reassure me that your penalties really do reflect your costs.

I'd drop this paragraph. You've already said that you believe their charges are unlawful - why bother to get into a stream of communication whilst they try to justify them? Give them 14 days to refund them and then take them to court if they don't. That's when they can try to justify their charges ;)

 

Also, you may want to check whether or not you can freeze any payments/interest on this account whilst the account is 'in dispute'. Maybe a Moderator, the CAB or a search on the site can answer that one?

 

Good Luck

 

Worz

I used to be a dummy, stuffed full of straw and standing in the field of life. And like the straw-filled dummy I was I accepted my lot in life and carried on, tied to a stake in the miserable field of depression as the elements beat me day and night. But there came a time when the elements had gone too far and the string holding me to the stake fell rotten to the ground. The elements had tried to beat me, but instead had set me free!

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Threads merged - please stick to one thread - you have been warned about this before!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi MDTD

i can empathise with what you are going through.I too have equally nasty experiences with MBNA, doubled up as a card i had with A&L turned out to be provided by MBNA.!! As clayts said, they really are "the most obnoxious, uncaring and sneaky of them all". For three years i had multiple daily phones calls, very often of an aggressive and threatening nature. I too had all the threats of legal action, and it was only after getting adviced from the CCCS (both excellent and free as clayts said), and sending in letters and budget plans drafted by the CCCS to the MBNA that they backed off. At that point I was contacted by someone with a modicum of decency who froze the interest and agreed to a realistic payment plan.

So dont worry yourself unduly, stick to your guns and they will eventually agree to your payments. They probably ask for regular reviews but keep sending them the same budget and advise them nothing has changed and they will accept that. At least that is what has happened in my case.

In terms of taking you to court, as others have said in their posted replies, the fact that your a dealing with an organisation managing your finanacial affairs and offering regular payments in line with the budget set by CAB would be acceptable to any court

i intend to start action to reclaim charges from MBNA for both my accounts, so i will watch your progress with interest.

 

good luck

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