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    • ps i doubt the PCN says macdonalds?? MET dont operate a reverse trespass car park for mc'd's parkers going to starbucks...(occupants left vehicle claim) they only do that for the starbucks part  i bet you parked in the starbuck side and walked to MCd's? dx    
    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
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Archives of Abbeys web pages/ Terms and Conditions


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Can you help with T&C's for May 1999 ?

 

Thanking u in advance.

DozyTart

 

Here are the T&C's for Nov 1998, i am not sure if they were updated between nov 98 and May 99

http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html

 

Hope that helps.

 

Reka (Sam)

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

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Hi Dozytart!!!!

 

Just to let you know I did find alittle information about the T&C's for 1999 under the following link

 

Internet Archive Wayback Machine

 

However, please double check your bank account and this is the confusing part. My account is an instant plus current account which has different terms and conditions to a standard current account and Instant plus is no longer available.

 

I rang up abbey and they told me they would not send me out the T & C's and it was on their website. I made them hold on the phone and told them that it wasn't on their site so how would I get them. I was fobbed off and told to go into the bank in town So I did.

 

An advisor spent ten minutes trying to find my account t&c's which they printed out for me. They are slighly different i.e worded to the other 1999 T & C's so I am now confused as to whether I do have the correct ones - there is no way I can find out - only Abbey know. But it could mean that their template defence is not applicable as they have taken it from the current account. How do I know????

So I am going to include both T&C's in my defence as clearly in my case Abbey have not provided me with the correct T&C's and clearly the everyone in the bank was confused.

 

Abbey have have only ever sent me updated tariff charges.

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Lisa11,

Thx for the info and the warning - greatly appreciated.

Dozytart

 

Hi the T&C's I have are for Personal Banking Conditions May 1999 and it includes the instant plus account. These t&C's also include for cards as well.

 

I will email these to you as you have requested over the weekend when I have more time.

DS

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Help!!! Does anyone have a copy of the September 1994 terms and conditions? I need to file my bundle ASAP but can't find these conditions in an archive. All help would be greatly appreciated. Also, if anyone else is going through Bow County Court and has filed their bundle already could you get in touch. Ta xxxx

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Gary H gave me this advice... http://www.consumeractiongroup.co.uk/forum/show-post/post-1017243.html

and seeing as it's his Bundle suggestion, I'm going with him!!

Claiming £590 in unauthorized OD fees, and £100 in interest from Barclays.

 

Remember "He who pays the piper calls the tune" well I've paid Barclays far too much so bloody well dance!

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look at post 31 and post 29 above for t&cs for 1999 dunno how to do links daft eh been on here long enough maybe someone could tell me how xxkia

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Trying to find T&C's for August 2001 and when I click on the link on this thread it keeps telling me that they are not in the archive.

 

Also on my account it was originally a National & Provincial Account that converted to Abbey when they were taken over and i can't remeber when that was.

 

A reply is needed pretty quickly for the first lot as I have until Thursday to submit.

 

Thanks

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i only found our recently it means that this article will go to top of page and may be read more quicker is that good grammer or what lol so consider it bumped again xxkia

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  • 1 month later...

Took me ages to find the link to Abbey's current T&C's so I thought I would post it here for anyone else who wants them. I suspect they will disappear as soon as the new T&C's take effect on 10 September.

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  • 9 months later...

hi all i am an abbey customer aswell. i have a student account which i opened in 2002 (never really bothered upating to current) well even then i have been charged like mad i have orderd my full statement for six years and i know they owe me thousands over the 6 years. am i too late to put in a complaint or claim my money back, if not what are the steps i neeed to take against abbey can some one talk me through it step by step and simple pretty please.

 

lots of luv to all xxx :-x

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