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    • 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. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • 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.   
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Harassment by MBNA


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MBNA seem to harass people by phone as a matter of course. By harassment, I mean repeated phone calls, sometimes several times a day, certainly several days a week. They often phone family members, workplaces, etc.

 

This type of behaviour is not allowed under OFT guidelines and is possbily an offence under statute.

 

If you are suffering telephone harassment by MBNA, please PM a member of the site team.

 

 

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I had 4 phone calls from MBNA in the space of 20 minutes - a family member answered the phone and barked at them that this was harrassment; didn't hear from them by phone for a few days. Got a letter from the Indian call centre instead, telling me not to send correspondence to that address - as if!:rolleyes:

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MAke sure you keep good records (date, time, who called) and record them if possible. You need to build up good evidence but it sounds like you could have a good case for harassment.

 

 

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Hello Steve,

 

This will be a very interesting thread:D I feel very lucky the last SAR I requested, had a log of all the haressment calls listed for my convenience. It even had the transcript relating to the fact they had been checking up on any spending that I had done. Mbna Rang payplan, my debt management plan co-ordinater to tell them that I was spending money on cards:shock:. I hadn't as I don't have any:D This was a down right lie. They had been watching my daughter's spending and have all her details. name address etc. on their files:rolleyes:

 

Not the indian call centre though:-x might try and get those:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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It seems MBNA get hold of details of other people you may know on a regular basis. Surely that is very very illegal. Just because you are related to someone, doesn't give any company the right to snoop into their lives or contact them regarding your account.

 

Steven, what do you think? MBNA seem to spend their time doing (allegedly) illegal things. Surely they should be hauled in front of a judge and their credit license revoked with immediate effect. I'm sure they are a little too big for that to happen but their behaviour should not be allowed to continue. Mind you Chester TS seem to be in their pockets too.

I wonder if MBNA are the new Enron :roll:

 

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Hello Steven!

 

They've stopped Calling me, probably because they've now Sold everything off to DCA land (who will be asking for Refunds soon I suspect)!

 

However, I do have a long, long Log of their Calls, many Recorded Messages, and one interesting set of Calls when they used the Calling Line Identity of our Mortgage Company.

 

I moaned at the Mortgage Company asking what the heck were they calling about, they said it wasn't them. So, they called the number and found themselves speaking to MBNA on what was one of their own numbers! MBNA fessed up that the purpose of the call was actually about my MBNA Card!

 

Mortgage Company confirmed this via email, so I have proof.

 

Long story, but the Call Centre was one run by MBNA who also handled Cards for our Mortgage Lender. So, they could elect to use a variety of numbers when calling out. I am sure MBNA checked who we had our Mortgage with, and thought it would be very clever to use a number that was otherwise not linked to MBNA but to the Mortgage Company instead.

 

Perhaps they thought I would see a Mortgage related number, poop myself and knee-jerk into answering. Thus give an MBNA Phone Monkey a crack at some abuse otherwise denied them because I'm not usually easy to catch out on the phone, at least not by cretins.

 

If any of this is of any use, let me know.

 

Cheers,

BRW

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If find these actions by MBNA absolutly ridicoulous...if not unsurprising and most probably illegal. :mad: Ive had many dealings and telephone harrasment from MBNA in the past. I wish id found these forums sooner!!! Im in the process of trawling this site to see if i can have my extortionate charges refunded..any point me in the right direction? Good luck and i hope your outcome is favourable. Best wishes:)

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Hi back! Unfortunately not. :mad: As i hadnt discovered this site until recently i thought that this was the norm regarding such companies...-ridiculous i know.!!! :mad:Again, my lack of knowledge of procedures meant that my account was passed to the debt company as it became impossible to repay. I ended up setting up a repayment schedule via Payplan and have been repaying using this method for some time now. I certainly would like to reclaim any charges however. Can i write to them asking for statements etc? I went to the Martin Lewis money expert site and would like to follow this example

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Well MBNA have gone quiet on me....damn....I was hoping to record a nasty conversation!

 

Seems they may be unsure of what to do since they have defaulted on the 12 day limit to produce an enforceable CCA.

 

They are now trying a new tactic to get me to contact them - email! Has anyone received an email from someone at MBNA asking you to contact them? Here is the one I got....

 

From: [email protected]

Subject: FW: "Private and Confidential for addressee only"

 

Mr FBR

Can you please call Nikki Hallworth on 01244 673 093. I am in the office between the following hours, 8am to 9pm Monday to Thursday, 8am to 5pm Fridays and 8am to 12pm Saturdays.

 

 

To which I replied stating that they are in CCA default and the alleged debt is now in legal dispute.

I wonder if MBNA are the new Enron :roll:

 

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Yes, I automatically SPAMMED them after the first one, I think they sent 2 others before they got the message.

 

If you reply to them via email, they will believe they have unrestricted access to you. although it might stop them phoning you.

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Hey Steven

 

I was thinking while reading various threads in which many CAGers mention being called via neighbours, friends, parents, workplaces (their own and those of parents etc).

 

Aside from the harassment issue, there must be something in the Telecomms acts about collating and using arbitrary phone numbers. Just because you call a company on a number doesn't give them the right to retain it and use it in future. They should use only the numbers given to them explicitly for contact purposes by their customers.

 

What do you think?

I wonder if MBNA are the new Enron :roll:

 

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Could be - seems like a little research project. Here are links to some of the relevant Acts:

 

Telecommunications Act 1984

 

Telecommunications (Fraud) Act 1997

 

Electronic Communications Act 2000

Communications Act 2003

 

Privacy and electronic communications (EC Directive) Regulations 2003

 

Are you volunteering FBR?

 

 

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Steven, the post below made me think of other action we could bring against MBNA.

 

http://www.consumeractiongroup.co.uk/forum/mbna/160210-extortionate-interest-rate-after.html#post1862956

 

How about another thread like this one to collate a list of specific charges against MBNA and bring it to the FSA's attention. All MBNA "customers" should also complain to the FSA at the same time.

 

I'm thinking that coordinated complaints against all of the bad business practices we fall victim to would be better than only hitting them with CCAs. Chester TS seem to have turned lapdog to MBNA so we need to go to the higher and hopefully more affective bodies.

 

Any thoughts?

I wonder if MBNA are the new Enron :roll:

 

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