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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.
    • 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.   
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    • 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.
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      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
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Head honcho at MBNA is


EricTheRed
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This is to whomever made the unfounded comments regarding the FOS.

 

I can assure you categorically that the Financial Ombudsman Service is there to help people with regard to problems relating to financial institutions and their financial commitments with them. Your comments of, "for the best part, don't bother" is disgraceful. In the eighteen years my firm has been trading I have always used the FOS for back-up while in the process of getting a clients financial affairs sorted out. The reason they take time to answer and deal with consumers problems is purely because they are inundated with thousands of complaints on a daily basis from people who are having difficulty in communicating with their creditors. Once a case worker is assigned and then an Adjudicator it's plain sailing all the way. I know for a fact that staff within the FOS work until 11pm nearly every night in their quest to help people with their complaints. Can you say the same????????? I think not. You are probably sat in front of your TV with a can in one hand and a cigarette in the other watching either football or your favourite movie.

 

 

I have just got off the phone and the FOS have categorically said they WILL NOT help in any way, to force MBNA to produce a copy of my credit agreement. I have been battling MBNA for 5 months, following correct procedure and FOS do not want to know. They said this was definately NOT their area and have instead refered me to the Information Commisioner. They would not even take my details.

 

Very disheartening.

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Sorry to hijack your thread but does anyone have any advise on what to do if they refuse to provide a response to SAR? They are asking for a proof of ID (passport, driver's license, with signature) - all info they didn't think to ask for while they held the supposed account?

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Holy ****!!!!

how many thousand people are mbna ruining the lives of????????????

im one of them anyone. i have been refused a mortgage on the basis that i was a few days late on payments. these were of course paid well in time of the next month and also the following month paid early (which they dont seem to remember).

i was paying payment protection but cancelled it in 08 as i lost my job and was told by mbna that the payment protection couldnt help me!!!!!!!!!! Strange as when i asked them today the reasoning behind me paying it for 4 years, they told me if i ever lost my job it would cover me. So not true. it just builds their bank account up. im so upset about this. im such an honest person who was a few days late. and aswell i was constantly ringing them when i got back into work to check everything was ok. i was always told it was ok. but a credit check told me otherwise.

they have ruined any chance of me getting a mortgage for at least 5 years. they are horrible people.

does anyone know if they're in financial diffuculty??????

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does anyone know if they're in financial diffuculty??????

DOESN'T EXCUSE THEIR BEHAVIOUR!

 

THIS COMES FROM WIKIPEDIA! MBNA - Wikipedia, the free encyclopedia

 

 

MBNA was one of the companies mentioned on a 2004 Frontline PBS special about unfair business practices by credit card companies[7]. Some industry practices which MBNA possibly engaged in previously[weasel words] included doubling or tripling of interest rates, shifting billing due dates/payment cycles monthly, and raising rates for customers whose payments were a day or two late which earned it the sobriquet, Misrepresentation Bank of North America. MBNA have been found to be one of the leading implementors of Rate-Jacking or what has also been termed the "Great MBNA Interest Rate Escalator Trick". For further information and links, see Credit Cards.

After the MBNA / Bank of America deal of January 1, 2006, a number of MBNA executives were dismissed from the Bank of America board of directors due to their fears that their unethical practices could result in criminal charges against them under a number of statutes including the Sarbanes-Oxley Act.[citation needed]

As of 2009, complaints to regulators by consumers concerning MBNA's unfair and predatory practices have been made with allegations of fraudulent construction of "valid" credit agreements (in the U.K.), abusive and threatening debt collection practices, and a practice of offering attractive balance transfer deals with rate increases that trap customers into debt they can never hope to repay.

MBNA record all telephone numbers used to contact them and then those numbers to contact their customers, particularly to chase debts, without regard to the privacy of those customers - for example, if a customer uses a neighbors or work telephone to contact MBNA at some time, that number will remain on MBNA's database and is likely to be used for debt chasing purposes. MBNA call centre staff also reveal the reason for calling to whoever answers the call, which may be the customer's boss, neighbor, friends, and family. A great deal of complaints in US and UK consumer forums has revealed this particular violation of privacy is a common activity of MBNA.

U.K. Trading Standards in the Chester area, where MBNA Europe Bank is based, have been contacted by numerous customers of MBNA, warning of the company's behaviour, but the standards agency, responsible for upholding customer complaints, has so far failed to engage in any meaningful communication with those customers despite being in "regular contact" with MBNA for unknown reasons.[citation needed] MBNA Europe Bank is the largest employer in the Chester area.

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Holy ****!!!!

how many thousand people are mbna ruining the lives of????????????

im one of them anyone. i have been refused a mortgage on the basis that i was a few days late on payments. these were of course paid well in time of the next month and also the following month paid early (which they dont seem to remember).

i was paying payment protection but cancelled it in 08 as i lost my job and was told by mbna that the payment protection couldnt help me!!!!!!!!!! Strange as when i asked them today the reasoning behind me paying it for 4 years, they told me if i ever lost my job it would cover me. So not true. it just builds their bank account up. im so upset about this. im such an honest person who was a few days late. and aswell i was constantly ringing them when i got back into work to check everything was ok. i was always told it was ok. but a credit check told me otherwise.

they have ruined any chance of me getting a mortgage for at least 5 years. they are horrible people.

does anyone know if they're in financial diffuculty??????

I believe late payments only show for a year on your CRA file . DONT send them anything with a signiture on agree a ID check over the phone . Take it as a posative they probably dont have your CCA . [i dont know age of your agreement] but depending on age they may send you a mock up quite easy to challenge in some cases but they will fight all the way .
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  • 2 months later...

Does anyone have current (Jan 2010) emails for MBNA people?

 

Most of the posted ones are out of date or bounce.

 

Additional question, is anyone aware of rulings (court/Fin Ombudsman etc) about 'reasonable time' with respect to making payments, especially over bank holidays/postal strikes/bad weather.

 

Specifically, if the statement is delivered with insufficient time (say 7 days) to mail a cheque back before the deadline, can the company hide behind the usual warnings about llowing plenty of time and riders when there are strikes etc. In any event, do they have a case if the payer can prove payment by return (as in 'good faith').

 

My latest arrived Fri 08.01, deadline 10.01!! Previous was 01.12.09, deadline 07.12.09, despit a note with the cheque we got hit for a default.

These were the first 2 A&L staements from MBNA.....obviously a systems fault

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Just been on MBNA website where they have a photograph of two top dogs visiting the Bank headquarters in Chester, in July 2010.

Brian Moynihan is the Global CEO and President; Ian O'Doherty is the Europecard Executive. (Bank of America Europe Card Services, which operates under the MBNA brand and is Chester’s largest employer, is the European credit card arm of Bank of America.)

The address for correspondence in the UK is: MBNA Europe Bank Limited

P.O. Box 1004

Chester Business Park

Wrexham Road

Chester

CH4 9WW

All freely available information from their website http://www.mbna.co.uk/help-centre/news-room/0710-ceo-visit.html

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  • 8 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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