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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Can i join the MBNA club?!***WON***


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I'm dealing with MBNA on hubby's behalf. They have defaulted on CCA and have about 3 weeks until 30 day expiry. I had also made a S.A.R request at the same. We've been through the ID palava, but i'm sticking to MY original 40 day expiry date.

 

Since i've posted all of the above, 2 letters have been sent demanding payment (1 threatening default registration will be next action they take). I have sent 1 letter re "debt in dispute bug off" and will send 1 more. (Hubby is quite nervous about all of this). I'm going to ask for their complaints procedure too.

 

Until i've seen statements, i won't decide which route we're taking - charges or not acknowledging debt.

 

Can anyone give me any useful contact info for MBNA eg contact names, e-mail address or fax number? I can't afford to send all letters special delivery, so if i use rec. delivery i like to back it up with a fax or e-mail.

 

Thanks in advance for any help :)

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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Hi Hopeful1,

 

I'm also claiming on behalf of nervous hubby! I sent my S.A.R. to the PO Box address that comes on the card statement, but I didn't send ID and they didn't cash my cheque either! I got the stuff I needed from them, admittedly a few days late and my 14 day deadline from my prelim runs out on the 25th.

 

The following address seems to be a popular one to use -

 

Customer Advocate Office

MBNA Europe Bank Ltd

Chester Business Park

Chester

CH4 9FB

 

I know Jackster77 rang them on this number - 0800062062

 

and Glav's thread is a good read and mentions a man called Colin Pugh (I've heard his name a few times) who was very helpful from what I can gather. Hope this helps! Good luck with your claim, Dizzy :)

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Having said the above, the only way to prove the letters is to do them recorded (costs about a pound, then a first class stamp)

welcome to the club....

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Hi Hopeful1 and welcome to the MBNA madhouse.

 

You spoke to me on one of my threads in another section of the forum, Its kind of like bumping into each other in another pub or club isn't it?

I'll keep an eye on your thread and help where I can, I am due to file MCOL with MBNA so I know a bit about what they can be like.

The only email address I know at the moment is Colin Pughs which is

[email protected] although I have just emailed him and received no reply. The phone number I have is 01244 672628.

 

Penny.

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Hi Both

 

:) Standing - You're right, we have to make sure we have proof. I do always use recorded delivery (special del. for REALLY important things), i like to back up with a letter or e-mail because recorded can be so unreliable.

 

:) Thanks for info Dizzy, i'm going to have a look around some more MBNA thread tonight.

 

All quiet on the Western front today.....

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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Hey Pennypenny!

 

 

I'm just about to grab myself a glass of wine, can i get you anything? :p

 

Thanks for e-mail, as i say it's back up to letters i send.

 

Talk soon no doubt! :)

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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Hi MBNA have never replied to any letter I have sent them apart from sending an unenforceable agreement for CCA and for the SAR the normal we have not treated this as full SAR letter(they sent 3 years statements none with charges). Having received no response to LBA regarding SAR none compliance. Have filed N1 at court re SAR this week. After receiving their response to CCA a letter was sent saying that the agreement was unenforceable and I will not be paying, all further communication to be in writing. No response re CCA just two threatening letter you are in arrears pay up and 4 phone calls demanding arrears payments, they would not discus agreement just tried to keep going on about arrears, I had to repeat about 5 times "I do not acknowledge any debt to MBNA" before they hung up.

Don't expect to get any none standard letters or sense from MBNA until you are at court stage maybe not even then. I now of a CAG member in same position as me but six month further down the line who still have not had a constructive response from MBNA apart from demands for payment.

 

MBNA's good customer relations are "Do as we say not as we do"

 

all the best will keep watching dpick:mad:

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Oh joy! So not much chance of getting this resolved before the footie season kicks again then? :D

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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Oh joy! So not much chance of getting this resolved before the footie season kicks again then? :D

 

My view exactly :D :D

 

Im looking for an easy route this month, cos im getting my season ticket next week and woe be tied any bank or banking institute that stands in my way :)

 

Dont think they understand how going to Rotherham away on a Thursday night, is soooooooo important :D

 

By the way good luck with your claim :cool:

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Hey Wednesday! Unfortunately i'm a bit of an armchair supporter these days. My trouble is i'll watch nearly every game going including Real Madrid and Barcelona...there's no wonder my house is such a mess. Now i've found this site it doesn't stand a chance!

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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Off topic, but there will be a cracker of match, first week of season, live on Sky, 16 Aug. You can keep your Real Madrid and Barca, this will be a magical feast of the highest quality of footy, the kind of game you reminis (sp?) about for years to follow ;):D

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Was going to sign off Wednesday but had to check Sky schedule 1st. You're right, i never thought i would live to see such a game on Sky. I shall make a note in my diary! I shall be rooting for Rotherham just for you :D

 

My hubby calls me his football chick and appreciates not being nagged to turn the game off. I will finish now before i get carried away and digress too much from money!!

 

Will be in touch ;)

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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DOH! :D No offence intended!

 

All quiet on the MBNA front today. Thankfully they do not have 'phone numbers :p

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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  • 2 weeks later...

Just a quick update: MBNA are in default with CCA and not far away from going into the criminal zone. They've also missed the deadline for the S.A.R request and ignored my request for their complaints procedure (no surprise there, hey? :rolleyes: )

 

I have decided that it is time to send another letter re non compliance of CCA, seen as how they've the cheek to send a letter demanding payment. Some lucky person is going to be having regular e-mail contact with me. I am now reaching the stage of agitation with all these OCs and DCAs who just can't be bothered to respond politely to anything. Enough is enough.

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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You best check my threads in the MBNA section.... You might as well get comfy, cos they dont play ball very well. Took me4.5 mths to get a 'decent' response out of them, but still not satifying the CCA request! Charging interest and requesting payments all the time, threatening DCA etc. They have logged two missed payments on my credit file now too. Joy oh Joy!

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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Just a quick update: MBNA are in default with CCA and not far away from going into the criminal zone. They've also missed the deadline for the S.A.R request and ignored my request for their complaints procedure (no surprise there, hey? :rolleyes: )

 

I have decided that it is time to send another letter re non compliance of CCA, seen as how they've the cheek to send a letter demanding payment. Some lucky person is going to be having regular e-mail contact with me. I am now reaching the stage of agitation with all these OCs and DCAs who just can't be bothered to respond politely to anything. Enough is enough.

 

Hi there every time I get a call from MBNA demanding money I send an email with copy of my last letter (CCA unenforceable go away) and their responce "we are looking into your complaint and will respond by 26th June 2007" advising them I have had no responce only phone calls

 

 

1, [email protected]

2, [email protected]

3, [email protected]

4, [email protected]

5, [email protected]

6, [email protected]

 

each time I get a call each of the above get an email only difference from last emal is subject line "your last call 08.45 on 05/07/07"

 

wait and see now dpick:razz:

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Dpick - that is genius posting all those e-mail ads - thankyou :D I shall put them to good use!

Fortunately they don't have our number, but i shall be e-mailing on a regular basis. I'm guessing that over the years we have paid back what we owe and more. Because of that i am no longer interested in the S.A.R. I am quite happy to pester them until they admit they have no CCA. My main aim will be to get hubby's credit file cleaned up.

 

I shall re-read both yours and fullyskinted's threads to prepare myself from what i am gathering will be a verrrrrrrrrrrrrrrrryyyyyyyyyyyy long battle!

 

Thanks all for posting. It's good to share :D

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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Dpick - that is genius posting all those e-mail ads - thankyou :D I shall put them to good use!

Fortunately they don't have our number, but i shall be e-mailing on a regular basis. I'm guessing that over the years we have paid back what we owe and more. Because of that i am no longer interested in the S.A.R. I am quite happy to pester them until they admit they have no CCA. My main aim will be to get hubby's credit file cleaned up.

 

I shall re-read both yours and fullyskinted's threads to prepare myself from what i am gathering will be a verrrrrrrrrrrrrrrrryyyyyyyyyyyy long battle!

 

Thanks all for posting. It's good to share :D

 

Your be allright I gona have fun Monday if no responce by MBNA to court for SAR I will apply for judgement by default.

 

Now I am finding my way about with CAG I am starting to enjoy myself and if I have my way god help MBNA cus I wont.

 

all the best dpick:D :D

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Now I am finding my way about with CAG I am starting to enjoy myself and if I have my way god help MBNA cus I wont.

I'm right with you there. The difference it makes to know your legal rights, hey?!

 

Have had a busy night contacting all those who need a kick up the bum. I've sent many an e-mail tonight including to the employees on your wonderful little list.

 

Hopefully i'll be posting some responses here soon :)

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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Now I am finding my way about with CAG I am starting to enjoy myself and if I have my way god help MBNA cus I wont.

 

 

I'm right with you there. The difference it makes to know your legal rights, hey?!

 

Have had a busy night contacting all those who need a kick up the bum. I've sent many an e-mail tonight including to the employees on your wonderful little list.

 

Hopefully i'll be posting some responses here soon :)

 

 

Let me know if you get any returned as not found, I think they may be using a rolling e-mail system(allows them to pick and chose which e-mail addresses are active and which not) I had william wareing returned on Thursday but that worked 6 weeks ago.

 

dpick:p

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QUESTION:

 

Guess who defaulted on S.A.R request a week ago,

is in criminal default with CCA request this week,

is not responding to postal or e-mail correspondence,

and is still sending threatening you must pay now letters?

ANSWERS ON A POSTAGE STAMP PLEASE.

Tut, tut, tut :D

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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Thanks again Wednesday for the link. I had to read it twice to try and get my head around it!

 

I'm giving 'them' another week of harrassment letters and then i shall set the ball rolling with a complaint to TS. They've not even sent statements so that we can see what's been paid, owed or added to the account in the way of charges. It's so frustrating. At the end of the day, i reckon the charges will amount to more than what is owed, so morally i won't think twice abiout just getting it written off.

 

Will update soon :rolleyes:

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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