Thank you DX, I will follow that thread.

First CCA request sent 27 August 2013, so July probably could be last payment as they stop collection once they receive CCA request. I cancelled eurodebt around sept/October time so I haven’t paid anything since I cancelled Eurodebt. By the time they sent the final response, payment must have been already cancelled. 

Can I play SB card? Or shall I just reply as per your advise/thread and then argue SB if they pursue with court claim?

Hi Dx

all the files are on my PC which I don’t have access to.  See if you can access from this DropBox link. Else I will have to upload the documents tomorrow.

Cap1_CCA_received_CQ.pdf

Last payment (token payment) was in November 2013, defaulted in 2003. 

I know, but I panic When I see “Solicitor” on the letter head. 

Thanks DX.

this debt is about to SB hence they have now woken up.

Today received PAP letter from Drydens Solicitor despite me writing to them (last week) that this debt is in dispute due to not having enforceable agreement. They ignored my letter and issued the PAP. Should I fill my income and expenditure and send it or should I only tick the box “this debt in dispute section” and send it back?

your help is appreciated as always. Thanks 

1 minute ago, BankFodder said:

They are obliged to deal with you because of the Contracts (Rights of Third Parties) Act and because their terms and conditions do not exclude the effect of this act.

Please confirm that in the years that you have been here you have read our customer services guide and you now routinely record your calls including the important call with Yodel

I didn’t record the call which I made as soon as I called them in panic the day of delivery however I have used online chat on numerous occasion where they confirmed “as per the note” that item was sent to wrong address. I have copy of the chat transcript. 

They have clearly said that claim has to be made by the seller as contract is between Yodel and Sender. 

2 hours ago, ericsbrother said:

how do you fund your paypal account? If this was a one off payment via a debit or credit card the you are covered by the bank, if you top up paypal with mixed funds then it is much trickier to sort out.

It was paid on PayPal credit and I have already paid back the money.

2 hours ago, BankFodder said:

NO need to involve paypal here.  A much softer and more satisfying target is Yodel.

 

Luckily you have been here since 2012 so you have read our customer services guide and you recorded your calls with Yodel.  Well done.  It should now be very easy to claim your money back from them and I expect that they will put their hands up rather than go to court

Please tell me why would Yodel deal with me? Yodel will only deal with the sender and they have clearly told me in numerous occasion that seller need to login to client portal and make a claim. Seller is simply not claiming because they know PayPal will refuse my claim and even if they make a claim, YODEL will not compensate cost of the goods as standard insurance with Yodel is around £50

also who do I take to court? Seller is based in HK, Yodel admitted mistake and willing to compensate but seller has claim it. 

Back in March, Yodel delivered item to completely wrong address. Item was purchased from eglobalcentraluk.com (very dodgy I know, based in Hong Kong). I was waiting at home for delivery and suddenly I had a text message saying item has been delivered even though no one rang the door bell. I quickly tracked the parcel and it showed item delivered. I quickly phoned Yodel and from their tracking they confirmed driver has gone to the wrong address. I offered to go there and pick the item if they can tell me where the driver has gone, but they will not tell me where the driver has gone but they offered to pick it up and re deliver to me. The guy on the phone tried to contact the local depot but could not get through so he promised that-item will be delivered with in 3-5 working days. I waited for 10 days but nothing arrived. I called them again and now they tells me it is outside the window and I need to contact the seller. They have all the notes on the system about he parcel and sender can claim it though their client login portal. I contacted seller and explained the situation and asked them to make a claim through Yodel and send me the replacement. Seller refused to send me the replacement because the tracking shows the item was delivered. Since then I have been battling with PayPal to resolve this case. PayPal has now declined my claim three times each time saying "This case was closed in the sellers favor because they provided us with valid online tracking information. This confirmed the delivery of the item to the address on the PayPal transaction details." I have requested Yodel to change the status of the tracking to show the item was delivered to wrong address but they refused to do that. Until and unless tracking shows the wrong address information, PayPal will not upheld my claim. 

It has now been over 3 months, I am without an item and £227 out of Pocket. What are my options? Have I lost the money?

you already have a thread that's been dead 4yrs now

https://www.consumeractiongroup.co.uk/forum/showthread.php?409424-MBNA-CCA-received-please-help.&p=4446383#post4446383

Ha ha, Well Spotted DX, never heard from link again hence no update on that debt. Thanks to you all for the help on that thread. But the one I am about to open a new thread on is a different debt. CCA surfaced recently.

start your own thread and give full details in the correct forum this one is out of date and can be missed? by the way Hello!

Will do shortly. I just wanted to know from OP how he got on.

I know its an old tread, I wonder if OP can update what happened since? I am in the same situation. Received similar agreement from MBNA. Application form with 2 pages of original T&Cs, and further more T&cs which I assume are the current ones. Application dont have Representative signature.

8.6 refers to clause 22 , so not complete

Thanks DX, what would be the next course of action? Any template would be helpful. Cheers.

Apologies, please find attached high res. I noticed there is no signature from Amex reps on page 2.

Their Letter states account has been cancelled and referred to an outside agency. Payment was previously made to NCO Europe Ltd.

Amex1.pdf

Hi

Recently received a reply from Amex in reference to BA Amex card from 2005.

Attached is what they sent.

Can you please advise if this is enforceable in court of law?

Thank you.

Amx.pdf

What was the outcome of this case? My friend is in deep trouble after £7k has been used on her credit card.

Wish you all the best..

Hi Rayn,

 

This was a 5 year loan in 1999. Has it been repaid or is there anything outstanding.

 

If you failed to repay as required, were there penalty charges added and do you have full data for these, ie amounts and dates.

 

Hi Slick

£5800 still outstanding. Charges and PPI already claimed.. Loan was defaulted in 2002 and have been sending token payment since..

Received CCA from Barclays, however it is very different to others I received from the same bank.

This Loan dates back to 1999, I have already successfully claimed PPI on this.

Is this agreement reconstituted?

There's no personal detail on the agreement.

T&Cs very short.

Do they not have to provide signed agreement as per my request?

Big question though, can they enforce this agreement?

How should I reply?

Appreciate if someone can please help me with the reply.

Thank you.

Well heres the thing, If it is a bank account and is being regulated as if it is an Overdraft, then I would say that they are correct. The key word here is whether it was a "Loan"... Sounds like an Overdraft to me.

Well SAR M&S and see what you get back . Could be rife with charges possibly (Although you might not beable to claim them back)

M&S supplied him chqbook worth £3000 and he would write a cheque to himself whenever/whatever amount. He had no bank account or credit card with M&S. Not sure if this classes as Loan.

Hi

Apologies if I posted this in wrong section.

I sent a CCA request on behalf of my friend. This loan is in reference to M&S personal reserve account where they gave you a chequebook so you only borrowed what you actually needed. This type of loan does not have any CCA agreement. Please see attached reply from Arrow Global. What is the next course of action? Appreciate your help as usual.

Thanks you.

Their reply is attached on my previous post. I also received FOS Leaflet.

Like I said, Can they issue a fresh DN and pursue the debt and possible record a default against CRA if I fail to pay?

UPDATE: Received reply from BC Exec Officer with £100 compensation. Result...... Once again credit goes to Brig. Thank you.

Now where do I stand with this debt? Can they issue fresh DN and demand full payment (£4700)? Should I negotiate F&F settlement? I do not want default showing on CRA file. Please advise.

That's good news!!

Just make sure Experian and CallCredit/Noddle do the same.

All three CRA do not have the default from today's date. All three had the the default until last week. I will keep an eye for further few months before cancelling it.

Going well Rayn!!

Just downloaded my £2 statutatory credit report from experian which is dated 28/09/2014 and it shows default registered by BC. But I just reactivate my old Experian full report by paying £14.99 and there is no Default whatsoever. Seems like Default has been removed in last few days. Happy days.