Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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

Alf -v- A&L - MBNA - DEBT CLEAR - CABOT/RED - NOW CLARITY ON THE CASE


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4830 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

The wife got a rather strange letter from MBNA this morning.

 

"Dear Mrs XXX

 

You could reduce your debt by up to 40%, a saving of £2,748.15.

Call us on 01244 671026 by Thursday 11 October.

Its your call. Take advantage of this very special opportunity!

(Mmmm, MBNA don't give any opportunities, special or otherwise, so the alarm bells are ringing. No agreement maybe?)

Due to our regulatory requirments we will be forced to register a Default at the Credit Reference Agency on your account in the near future if we cannot set a reduced payment programme. (Hello, You have already set one up and the wife has been paying it since February 07)

We would like to avoid these actions ( Yes I bet you do :D) and provide you with an opportunity to reduce your debt and begin rebuilding a good credit history. If you would like to discuss setting the account for a reduced amount based on your circumstances, (Incapacity Benefit and Income Support you mean) possibly through the use of savings (HA thats a laugh, what F**kin savings) alternative financing (You mean a loan to put us in more debt, which of cause any lender would offer on Income support) or the help of a family member (Of couse, why didn't I think of that. I will go and ask Auntie Gurtrude for 10 grand) we will be happy to discuss this option with you.

 

This will allow you to relieve yourself (Oh, I wish I could:D ) of responsibility for repaying the remaining debt and represents significant savings to you.

If you would like to discuss other alternatives (No thanks, It appears you have already covered everything) please contact us on;

 

XXXXXXXXX

Our specialists are available to talk to you. (specialist yarn tellers :D )

I will decline on the offer at this time due to being potless, creditless and an only child. But what a waste of paper and the rain forrests as they are. You would think these big companies would have better things to do, like irresponsable lending. They rearly are a joke :grin:

Link to post
Share on other sites

  • Replies 306
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Good to see MBNA are still ignoring all the regulations. About 18 months ago when I got in touch with them regarding reduced payments the first thing they asked me was could you not borrow the money.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

rory, in my days of pre-CAG this shower asked me if my parents were alive, and when I said yes, they suggested I ask them for the money !! :mad:

 

They got told to visit a taxidermist on their own behalf!!:-)

 

alf I would file the letter and ignore it - in my case they had no agreement and were trying it on!

 

Love Spiritgirl x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

rory, in my days of pre-CAG this shower asked me if my parents were alive, and when I said yes, they suggested I ask them for the money !! :mad:

 

They got told to visit a taxidermist on their own behalf!!:-)

 

alf I would file the letter and ignore it - in my case they had no agreement and were trying it on!

 

Love Spiritgirl x

 

PMSL :D

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

Link to post
Share on other sites

  • 1 month later...

Well another offer from MBNA yesterday. Now they want me to pay £2400.00 on a £6,850.00 debt, thats gone up from the orginal 40% off they offered last time and all without even asking.

They will then write the rest off (Mmm, Likely story).

 

That nice of them. I haven't even sent them a CCA letter yet as they have been accepting token payments and have suspended fee and charges.

 

I think maybe its time I did. Something tells me they are expecting a CCA request :D

Link to post
Share on other sites

Well another offer from MBNA yesterday. Now they want me to pay £2400.00 on a £6,850.00 debt, thats gone up from the orginal 40% off they offered last time and all without even asking.

They will then write the rest off (Mmm, Likely story).

 

That nice of them. I haven't even sent them a CCA letter yet as they have been accepting token payments and have suspended fee and charges.

 

I think maybe its time I did. Something tells me they are expecting a CCA request :D

 

 

make sure you don't sign it!! http://www.consumeractiongroup.co.uk/forum/general-debt/110578-digital-signature-guide.html

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

Link to post
Share on other sites

Same story here. They wanted me to borrow the money for payments then offered a 40% reduction the a 65% reduction then at the same time asked for regular payments. CCA sent now and even if they have one I can't get back to work for a while so they'll still get nothing. I was called a liar when I tried to explain circumstances, they don't seem to be able to get the human thing at all.

Slartibartfast

PRS - Semi-retired

Link to post
Share on other sites

Well didn't even get chance to post a reply back to MBNA before another letter this morning.

 

Dear Mrs X

 

I have felt the need to write you this letter (another one? You have wrote twice already this week) as your account is seriously overdue (you don't say) and I have not been able to contact you via the telephone (why? something wrong with your phone? mine is working)

 

Your total debt of £ XXXX.XX is due to legally assigned to debt collectors (collectors, will I get two then?) at the end of the month. In view of this, we felt it appropriate to carry out a credit enquiry to gain a better understanding of your current financial position. (Nosey feckers, I&E sheet not good enough for you then) I was concered to see that some of your other creditors are receiving regular payments and yet you have not made any to your account with us. (You lying toe rag, you get a reduced payment that you agreed to every month, last payment 06/11/07, I just checked online statement)

 

You should be aware that before we assign a debt to a collection agent (oh, only one now) we register a default on your credit file which will remain in place for 6 years. If this happens it will have a negative affect on your future creditworthiness. (I think that went out of the window a long time ago) Even if you do not apply for credit in the future, your current creditors (you mean you and all the other blood sucking parasites that are on my case) may take action due to the default. e.g. withdrawing the spending facility on your credit card, (too late already been done) stopping a promotional interest rate (never had one) or withdrawing an overdraft facility (down the swanie a long time ago)

 

Mrs X, please call me on receipt of this letter (no, I think I will give it a miss) to discuss your options before it is too late. (well its always too late according to you)

 

What do these people think we are idiots. They will try anything to get you to ring them. Sorry lads, no phone call will be forthcoming just another complaints letter.

Link to post
Share on other sites

Four pages, cant you try for five. :D

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Thats what i was thinking paul.

 

Maybe we need to get him to post the letter and we could try and expand it to a few more pages for him.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

ROFL Alf ... I loved the letter with your additional comments in blue !! :p

 

I have extensive experience with MBNA and have come to the conclusion that they are total plonkers. Their left hand doesn't know what their right is doing and they constantly clutch at straws when they are clearly on to a loser from day one.

 

Reminds me very much of CrapOne to whom I sent a 5 page letter not long ago!

 

You go for the jugular and enjoy! :D

 

Love Spiritgirl x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

  • 2 weeks later...

Well no reply to my complaint yet, but the phone calls from the Private ID numbers have stared again.

 

Is MBNA, they leave messages that I have failed to contact them dispite them leaving messages. Helen Williams? has anybody else had calls from her?

 

Well I did say in writting only please, but may be literacy is not one of there stronger points. What a totally incompetent company they are.

Link to post
Share on other sites

At last, a reply dated 19th Nov.

Two in fact, both exactly the same.

 

"We are currently investigating your complaint and we will provide you with a full response by 10th Dec." and actually signed by who I sent it to.

 

Well lets see if they come up with anything this time.

Will not hold my breath though.:D

Link to post
Share on other sites

hang themself big time. I hope they have nothing for you Alf.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Hiya Alf

 

Just popping by to continue to offer you support x

 

Been a bit preoccupied this end due to being threatened with court action by two low life DCAs, but the peeps on here have been brilliant as always and letters of complaint have gone off.

 

Keep your pecker up, we will not let the bar stewards get us down will we???;)

 

Love & cyber-hugs

Spiritgirl x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

Well yet another letter this morning from MBNA.

No mention of the 5 page complaint made to them, just the usual threat o gram.

 

Dear Mrs X

 

A DEFAULT is due to be registered for SIX YEARS on your credit file in the next few day in relation to the above account. This will seriously affect your ability to gain ANY form of credit in the future. (well thanks for telling me that, I never knew thats what happened)

 

When the Default is registered, the balance on your account will be SOLD to a third party. (Is that so, well make sure you get a good price for it guys, wouldn't like to see you ripped off. But remember you still sent no CCA, so will be telling on you to OFT and TS)

 

This means that:

 

1. You will no longer be a customer of Alliance & Leicester Credit Card Services. (Well thank god for that, never asked for an account with MBNA anyway, A&L sold my account to you)

 

2. The responsibility for recovery of the outstanding balance will be solely that of the third party. (Well maybe they will have a few more brain cells than you and realise they will be recovering nothing without the CCA)

 

3. The default registered against you will be transfered into the name of the third party. (Will it now, you are too kind)

 

4. The third party will take actions they deem appropriate to recover the full outstanding balance. (Ah, some more threat o grams and stupid phone calls then)

 

To prevent this happening, you must make an IMMEDIATE PAYMENT of £53.83 (Is that all, my statement says the arrears are £1131.00) by debit card payment today (yes I want you to have my debit card number so you can take money when you feel like it.) Please call 01244 672355 to clear your outstanding arrears and discuss your repayments. (Don't think so, answer my complaint. Might think about it then)

 

Yours sincerely

Sally Moran (Are you sure that is spelt right? Should it not be Moron:D )

 

What a complete butch of idiots MBNA are. You make a formal complaint about their letters and business practices, which they acknowledge, then send more out of the crap they are supposed to be investigating the day after they acknowledge the complaint.

 

What a waste of space they are.

Link to post
Share on other sites

All part of MBNA's sausage-factory approach. I've had the Sally Moron letter too; as usual, none of the threats materialise. Without looking at my file, I think the next in the series will be from Dee Dillistone. One will be all helpful (MBNA-stylee), and very shortly afterwards comes another 'sky will fall in' letter. Still, your a few away from the pink letter yet!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...