Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

MBNA admitted no CCA, so I want to claim interest back.... Need help though!


standingupformyself
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6081 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 165
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hiya Wednesday. My daughter is away on a residential trip until tomorrow and the receipt is in her handbag.....

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Letter was signed for 16th July 2007. prelim letter going off next Tuesday, so you are a few days ahead of me Wednesday. Did you give them 14 days or 7?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

I have only sent the prelim letter (the 1st one) so far, just not sure how to word the LBA, did you pretty much use the same wording.... I will be sending that letter Tuesday of next week xx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Oooops maybe i should of sent a pre lim first :D

 

This is what i sent

 

You have admitted in your letter dated XX May 2007 that you cannot supply a regulated agreement that documents our alleged contract. Therefore no contract exists or has ever existed.

 

Therefore you have never had my permission to lawfully process my data, and to pass that data onto third parties. You do not have my permission to start to process any new data and any data already passed onto third parties must be withdrawn and destroyed.

 

As no contract exists you have had no right to charge interest on any money lent. I now realise I have being paying you interest when I shouldn’t of been.

 

I am sure that I do not need to point out to you, that without a true, executed copy of my Consumer Credit Agreement I am now unable to ascertain any of the terms and conditions that constitute our alleged contract.

 

Therefore I require repayment of all such interest taken from XX XX 2002 to XX XX 2007. I also seek statutory interest at 8% from the date of each charge.

This totals to £X,XXX.XX + £XXX (interest at 8% to today’s date, which is XX July 2007) Total amount to date is £X,XXX.XX

 

Please forward payment by return by cheque.

 

I expect to receive a positive response to this letter within the next fourteen days. In the event of either no response or a negative response I put you on notice that I will file a claim in the county court for non compliance with the consumer credit act, and I that I will at the same time ask the court to make a declaration that the alleged agreement between us is void. I will also ask the judge to order the return of all monies I have paid to the account.

 

Yours sincerely,

 

Thats what i sent, nothing received in return yet.

 

Im due to send the LBA for the PPI on Monday :cool:

Link to post
Share on other sites

read my last post on wednesdays thread :)

** 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

Link to post
Share on other sites

I received an acknowelgement from MBNA "signed" by Stephen Bailey, telling me they are investigating my complaint and will send me a full response by August 12th.....

2nd letter going off to them on Wednesday though

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

I have recently started another thread about this, but as I have a few friends/experts on this thread I thought I would post a question here in the hope of getting a quick answer or two

 

BARCLAYCARD

At the same time as requesting my CCA from MBNA I also requested one from Barclaycard (who I am also chasing charges back from, I am after about £900 including CI, which will clear my account.. they have already put two payments into my account, £288 and £66)

They did not send me my CCA, but my application form, and 2 printed A4 pages stapled together of terms and conditions that were not personal to me in any size, shape or form.

This account is in arrears at the moment, I owe the current bill and last months, to be truthful I simply forgot to pay the bill! I can afford to bring the account up to date this week but just not inclined.. although I know that I will.

At about 8.50 this evening I received a call on my mobile (I did not hear it ring, so did not answer it) I beleive that it was from Barclaycard. I am sure they will phone again in the morning, and I will answer it rather than have them ringing on and off all weekend.

Should I mention to them that I consider them to be in default of my CCA request? If I do it will be the first time I have discussed the matter with them, I was choosing to leave this matter until after I have taken them to court (yes Wednesday, you know where my train of thought is going with that!!)

 

Any advice anyone as to what I should say to them tomorrow? Should I push the point about my charges and lack of true CCA?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

No Wednesday they didn't !!!

 

I knew exactly what I was going to say too.......

 

I was not going to answer any security questions, ie refuse to give my date of birth etc..

I was going to tell them that I insist on communication only by letter and wish my telephone number to removed from their system

I was also going to say that I did not believe that the CCA they sent me was in any way a true copy of my request, hense I would like to state that my account is in dispute.

Also, they may say that I owe them £57, but I actually beleive that they owe me £900+

 

and they didn't phone..............typical

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Almost 60days passed with no agreement from MBNA. And monday the deadline is up on my LBA. Can anyone advise on the POC for non-compliance, asking judge to render account void and return of all monies (interest) etc?

 

Thx

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites

Still they havent phoned back... Am actually wondering whether they were phoning me in respect of my claim rather than arrears??? They don't usually give up so easily, ONE MISSED CALL, that is not their style.... Will make sure my mobile is always in my pocket..

By the way Wednesday, your POC is damm good.... intersting to see if anyone adds anything to it.

I am off work for a fortnight now (old school stuff, I am a secretary in an engineering factory, and they still close down every summer for a fortnight) so I will get everything up to date.. And if I suceed in not spending too much in the next fortnight I should be able to afford to start court proceedings with my Abbey current claim, then MBNA, then Barclaycard, then Interest on Barclaycard..............

THEN...... my mother in law wants me to have a look at her banking stuff, should be a busy month........

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Was the number withheld? Sure it was Barclays?

 

Cant be bad a fortnight off, just what i could do with, not off til end of August tho :(

 

My problems are hitting now, i did everyone at same time, now i need to start court proceedings, i cant afford the lot at once, i could, but then went shopping :p Im definately doing the big one against MBNA, then its either one against MBNA for PPI or another no cca one against HSBC, got a smallish one against Egg but the last letter apperently does the trick, so hoping i dont have to file at court for them.

 

Ney mind ya mother in law, do you fancy finishing mine off? :D

 

Good news tho, got my season ticket, all is well with the world :D

Link to post
Share on other sites

Glad you got your priorities right lol :D

Yep, pretty sure it was Barclays, but maybe I will phone the number and see who answers

I know what you mean, I started mine all off together too....... It seemed like a good idea at the time,

 

Yeah! I'll take on yours for you............ I fancy the comission!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

Link to post
Share on other sites

Hi kids......

 

talking about hols has got me excited.......didnt realise its only 3 weeks away.....yeeehaaaa

 

btw the poc looks ok...maybe fine tune the last bit though

 

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

Link to post
Share on other sites

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

Link to post
Share on other sites

hey there standing

just been reading you and wednesdays threads re MBNA and i'm so impressed by how far you've come since I was talking to you last

 

I've had a settlement from MBNA re charges but the info is on my credit file

 

I'll be seriously reading and rereading your threads re CCa - as MBNA have told me on the phone today they can't produce my agreement - they are writing to confirm this

 

might be heading down the same route as yourself

 

well done for being brave enough to take these guys on

Link to post
Share on other sites

Standing - hope you don't mind me posting this here but have been following your story with interest! Have just tried to speak to Colin Pugh/Will Wareing but have been told that they are now not negotiating on the phone with settlements and are only handling actual court claims. Apparently they are running at about six weeks before they can get a reply out due to pressure of work (wish they had given me six weeks to respond to their requests for payment!). I am fighting for the contractual interest they still owe me plus the copy of the agreement which is now well and truly in breach of the CCA. They said I would hear by the end of the week - oh yeah? Will post on my thread "empowered v MBNA" when I get any (good) news.:roll:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...