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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
    • Looks similar to you original email to their Complaints team. I dont rate copypasta for a CEO complaint. Rewrite it with emotion involved as to how badly this is affecting you and make them feel embarrassed for their actions... 
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MBNA DD problems, Hi from Guernsey


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Hi, new to site after being so incensed at intimidation tactics from MNBA today, did a Google on 'Problems with MBNA' and hey presto found this amazing site.

FACTS are: Paid off my balance in full in May 07 (over £3000), previously set up DD at MBNA's request as I missed payment date by accident a couple of times, therefore incuring excessive penalty charges for late payment (£20) plus had my 0% interets rate removed. To be fair, when I queried it, I was refunded in full with no question (about the same time as the BBC programme was aired). However on clearing my account, I did not realise that I had to cancel the DD, I presumed they would not collect it, as I did not owe them anything... WRONG!! According to them they request the DD 14 days before due date, therefore when I settled in full 8 days before due date, they had already requested the DD payment of £12.44, this they refunded 2 days later, this is where it gets good..... PLUS a returned DD fee of £12 + £4.41 interest, all of which I ignored, as I thought they had obviously made a mistake and would rectify it....WRONG AGAIN. Because, stupidly I didn't deal with the matter earlier, they are now going to chase me for over £50 (Crazy in the big scheme of things, I know). Technically they are probably right, what angered me however was the womans attitude when I phoned them today to try and sort it out. She was not prepared to listen to anything I said, and when we were getting nowhere (despite severe provocation, trying my best to remain calm and not swearing at the silly c**) she resorted to the threats, like: Your details will be sent to the credit reference agency and 'You won’t be able to obtain credit’ or simply ‘We'll take you to court’. I have never had a debt problem in my life, I regularly use 4-5 differnet CC's, but either pay off balances in full every month or do the usual switching between providers to obtain extended 0% terms and now because of £4.41 Interest I am going to be listed as a bad debt, even though I've got impeccable credit references for over 25 years, all because of these idiots (language moderated).

I am amazed at the extent of the problems highlighted on this site and hope that someone can offer some advice. I don't expect for one minute they will be so stupid as to waste time & money chasing such a miniscule debt (also I am in Guernsey, Channel Islands, which is a completely different system to the CCJ sytem in UK), but I could be wrong. It's this stupid womans attitude that has wound me up so much. Would be interested to hear from anyone in similar position, but particularly from anyone else in the Channel Islands. One of the comments I saw on Google sums it up simply 'Do not touch MBNA with a 10 foot barge pole'.... HOW TRUE

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Sorry to hear about your problems with MBNA. I would write asking for a copy of their complaints procedure, if they then don't deal with this to your satisfaction you can complain to the Financial Ombudsman Service. You could also telephone Trading Standards, don't know whether you would have a local TS and whether they would act, do a Google search on Trading Standards, type in MBNA's postcode and it will come up with the appropriate TS.

Never speak to these call centre people on the 'phone, they are useless,ignorant and rude. If they keep ringing you, use the harassment template letter. They haven't got a leg to stand on and are totally in the wrong!:evil:

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Many thanks Miss Muppet, sounds like a good start to me, just received my standard default letter yesterday (6th Sept), similar to other versions I have seen posted on forum. Just can't believe that they want to pursue me over £4.41 interest! One part of me says, 'Just pay them to get rid' but as everyone will I'm sure agree, it's the principle and the attitude of the call centre staff.

 

Thanks for your help.

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