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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.
    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Successful Claims


blueskies
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If you have been successful in your claim with MBNA but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.

 

This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue MBNA themselves.

 

If you can't PM a mod for whatever reason then just reply to this thread.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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  • 2 months later...
  • 1 month later...

PM'd a while ago but haven't been put here yet.

 

Partial settlement after prelim, then full settlement on the day MCOL was due to be started. Total claim £545.64 using contractual interest.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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I didn't start a thread for this originally.

 

I got money back from MBNA.

 

Claim was for £70, but I settled for £30 after they replied to PA - it wasn't worth the time and effort to hold out for more.

 

I'm after Clydesdale, Halifax, and Morgan Stanley too.

:D <-- MazzaB, financial warrior! (*with a little help from my [real] flexible friends.......*) Bank ---> :mad:

 

:) Please click on my scales if you find my comments helpful! (or ya think i'm sexy ;))

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  • 2 months later...
PM'd a while ago but haven't been put here yet.

 

Partial settlement after prelim, then full settlement on the day MCOL was due to be started. Total claim £545.64 using contractual interest.

 

Hi there!

 

I've just put my LBA into MBNA along with CI, did you have any problems along the way with them over the CI? Would love to know more!

Kay

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  • 4 weeks later...

:grin: Hi

I didn't start a thread originally 'cos this was only for £599.95 (I have a Barclays case about to go to court for £4900, which is much more juicy)

 

Started letters back & forth with MBNA back in Feb. They sent me a cheque for £210 as an offer, I didn't expect this cheque, it cane out of the blue, however, I wrote back a snotty letter and said I wanted the full amount or nothing else, I explained I would keep the cheque, and they could just send another cheque for the balance.

Had to wait a few weeks, but got a letter back today from Rachel Claridge, assistant vice president, stating that they will be sending me a cheque for the balance £389.95 in the next few days, and consider the matter closed.

To be honest MBNA have been the easiest to deal with out of my 3 case (Barclays, RBOS, & MBNA).

Anyway , good news !!

Keep on...

 

:-) :-) :-) :-)

-------------------------------------------------------------------

:cool:

In the words of QUINCY JONES:

" It's not about your acheivements in life, it's all about the journey getting there...."

.

I got my Peices of Eight !;)

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  • 3 weeks later...

Hiya, please move my ArohemQ vs. MBNA thread to the **WON** section.

 

Received full settlement after sending 2nd letter rejecting 1st offer.

Without resorting to court actions, 8% statutory interest paid anyway! :o

Amount was : £380 plus £131.44%.

Barclays Bank: £855 + £334.02% . 1st Offer:£605-Rejected.No 2nd Offer. Will require courts.

Barclaycard: £140 + £48.72% . 1st Offer:£56 -Rejected.No 2nd offer. Will require courts.

Amex: £270 + £94.68%. 1st Offer:£0 ! -Rejected. 2nd offer £179.17 (£135 +£44.17%)-Rejected.

Halifax: £165 + £60.40% . 1st Offer:£82.50-Rejected. 2nd-Offer £165-Full Settlement, no%...- ACCEPTED:-D No court action involved.

MBNA:£380 + £131.44% . 1st Offer:£160 -Rejected. 2nd Offer:£511.44! Full Settlement + 8% - ACCEPTED:D No court action involved.

 

Convinced friend to start: He has accepted 90% settlement of £2000: £1800, from HSBC!

Pushing 3 more people to kick off their claims, including my brother. Assisting them by pointing them here!

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I felt no need to start a thread as found charges of £130 on statements, wrote to them asking for it back received a GOGW £100 after first letter.

Happy with this as I am spending all my time on two claims within my family against YB and LLoyds.

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  • 2 weeks later...

Hi Blueskies,

 

Just posted an update to my claim against MBNA. Now that i've won, I would be grateful if you could change the title and add it to the successes sub-forum.

Ta muchly!

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Help! Are there any 'other institution' moderators out there who could move my successfull claim thread to 'Successes'?

I have tried PMing the usual suspects Blueskies and Barracada aka the Stig without any response so far .....

 

Thanks

 

Brett

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  • 2 weeks later...
  • 4 weeks later...

Another victorythumbsup.gif

 

And this one without even entering court proceedings.

 

In May I sent MBNA (Alliance & Leicester credit card) a claim for £390, which included £90 of interest. On the 28th June I receved a leter with the usual blah blah blah goodwill payment of £180. I wrote back and said I would accept this as part payment and if they did not refund full amount I would proceed with court action. I heard nothing and was going to enter MCOL this week. Today I got a letter offering me a further £288 goodwill payment which in total is £468, £90 more than I was claiming in the first place. Wont see any of it as I still owe them some omeny but at least it has reduced the debt and will reduce my interest charges.biggrin.gif

 

Chrissie

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Congratulations Chrissie!

Knowing the nightmare that is MBNA admin, I also gave them a little extra time before starting MCOL and it works.My settlement was also a credit rather than real readies and I am on a zero interest payment arangement so it made a nice dent in the outstanding balance.

You were lucky to get a result before the OFT threw their hat into the ring - I've had an MCOL filed against Lloyds TSB since the end of March for approx four grand with a court date scheduled for next week ,and I have just been told that it's been stayed until the OFT result - very unfair and frustrating!

Brett

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  • 3 weeks later...

Hi!

 

After an intial payment of 499.00 was made to my OH's card about a month ago, the additional 1576.35 was credited at the end of August. The whole process started in May.

 

Unfortunately it's not play money as it has been paid back onto the card, which will be closed at the end of this month. More importantly though, it's 1 less stone around our necks :D

 

http://www.consumeractiongroup.co.uk/forum/mbna/99823-can-i-join-mbna.html

 

;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 7 months later...

The claims process is not always a short, simple one, but there are many, many successes. I managed to reclaim for my hubby. It took time but not a penny left my pocket in the process!! :D

 

I'm glad you got your money in the end.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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