MBNA sold debt before DN expired

[smugorwhat]

Is there an update to this regarding the sale of account before DN expiry?

[Kayyak]

Nothing to update on this.

[dx100uk]

UKMAIL..interesting subject...

 

as has been outlined

 

ukmail is 2nd class [big S on the logo of their franking of the letter

 

that takes upto 5 days to enter the royal mail system.

 

royal mail thus treats it as 2nd class so, can, take upto 4days to deliver it.

 

thus we have a 'possible' 9 days before you go it.

 

clearly outside of the dates mentioned.

 

there is also another aspect of the DN, a re-issued one , or the original.

 

if the sum detailed in the DN contains PENALTY charges, that makes it invalid.

 

so if they then issue a later one to 'override' the defective earlier one

 

and

it includes even more PENALTY charges...well make your own mind up............

[jackreacher]

Hi DX and Kayyak reading with interest.

 

I am currently in a claim with MBNA and having to put a skeleton argument together for next Friday!

Is there any proof that uk mail can take up to 5 days to get into the Royal mail system? I keep seeing this but can not find on what it is based.

 

I will follow you case with interest and please feel free to ask or compare documents etc. I have found the SAR Comms logs all 3 logs really interesting and will be posting on my thread later today. Time to get serious.

 

Good luck with yours.

[DonkeyB]

Look at the Harrision v Link Financial judgment, here, from Para 54:

 

http://www.bailii.org/ew/cases/EWHC/Mercantile/2011/B3.html

 

This is damning. MBNA were forced to concede that their use of UK Mail was effectively a second class postal service.

 

This is a High Court judgment, and therefore very difficult to argue against. You may need to do some digging to find out more, but all the sources you need are in there somewhere.

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?296987-Link-mbna-claim!-***settled***&p=3683930&viewfull=1#post3683930

 

There is also some information/ links regarding the UK Mail system from post #92 onwards in the thread linked above.

[jackreacher]

Thankyou DB & CB . I have the Harrison case locked down. In fact that is the same agreement as mine, so very useful.

Could you both subscribe to my thread as I need some answers in their and can not keep hijacking Kayyacks thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?420659-MBNA-Idem.

Jack