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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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mbna cca request


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Well into first first few weeks of not paying my 4 lenders.

 

 

Couple of sent dd forms bin.

MBNA phones me and asked me to ring them deleted.

Awaiting for official letter in response to my hardship letter no payment till December for a DMP to kick in.

 

all debts are newer then 2007 except the MBNA

as suggested I will wait the others to go to DCA before using any other CCA requests.

 

 

using the template for MBNA is the address the one to use for sending this letter off to.

 

The MBNA account was open 2006 and ive also read that most MBNA accounts pre 2007 are pretty much unenforceable.

I owse 42k,

MBNA is 6k.

Be a small win in a big pool but a starts a start eh.

 

Customer Advocates Office

MBNA Limited

Chester Business Park

Wrexham Road

Chester

CH4 9FB

 

Thanks Russ

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they have 12+2 days to supply the original. If they dont, then they CAN chase, but they cant legally enforce it. basically until they fulfil the request, all they can do is beg.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks will post it out to the OD as iv only just stopped paying as the agreement will be pre 2007. Will wait on the rest going to DC before using more CCA's.

 

Will see what they say not paying lenders anything till December more interested to see if the MBNA going fall foul of being unenforceable due to the CCA

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If its pre 2007 they need the full original.

 

remember, keep paying u ntil the 12+2 have elapsed, that way you stay in control.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi well I only just stopped paying anything and wrote to let them know the situation so first time I will be not paying onto the account. When I looked on my credit file I noted the cc open 2006 thus I have sent them the CCA now. With all the other debts being > 2007 I guess CCA those would be pointless till they get to DC.

 

So far MBNA have sent a letter acknowledging the letter of hard time and stated no one would contact me for 30 days and asked me too fill in an Income and expenditure form. I guess I will fill this in and return next week.

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