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spiritgirl59

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About spiritgirl59

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  1. We received a Final Notice at the beginning of the month. Since they have failed to respond properly to our original request for information it will be ignored. We'll see what happens next. SG x
  2. Hello again everyone My husband did write to them as suggested by Bankfodder and has now received a response (of sorts). They have acknowledged receipt of the letter. They have stated that his "recent appeal" has been referred for further information. They have commented that he has not confirmed who the driver of the vehicle was, but has said it was not him, and as such he should provide information as to who the driver was and they will put the outstanding charge on hold for a further 14 days in order to give him time to do so. They have confirmed that he is not obl
  3. Hello everyone My husband took his elderly father to look round a local market recently, and today has received a parking charge letter from Parking Eye which states he either did not pay the parking fee on the car park where he parked, or overstayed his welcome My husband remembers paying for a ticket and displaying it, so they are literally trying to charge him (£60 if he pays straight away or £90 if he doesn't etc.), for overstaying by a few minutes according to the times on the letter that he arrived and departed!! Bearing in mind the fact that my father in law is in his 8
  4. Thanks Jasper! I appreciate your help very much x I'll be back soon, going to gather thoughts about all this with hubby. Love SG x
  5. Hi Jasper December 2002. My husband doesn't feel up to all the stress of preparing to fight - only to possibly end up in front of a Judge who makes him pay anyway..........so we may not now go ahead Love SG x
  6. Hi again everyone I've had a good look around on the forums and done some research but I am still struggling to be honest. I believe our Defence is likely to be based on the fact that we never received any T&Cs at all from MBNA and then Link, and the ones they have sent now is a cobbled together version which has never before seen the light of day ??. However, what confuses me is how they can take us to court at all when we have never received a properly executed agreement either, and Link haven't responded adequately to my CCA request which was made back in 2007? I
  7. Hiya Jasper I'm not sure how to re-attach an attachment here which I put up previously - the "manage attachments" section won't let me drag and drop the same one again for some reason - sorry about that - but the application form is back on page 1 of this thread at post number 7 - attachment called "10MinAppForm.pdf". The account was opened in 2002. We never ever received any terms and conditions by the way, so what you are saying about t&C is a knocked up job must be as we have never seen it before!!! Hope this helps? I can't find a template part 18 request by t
  8. Thanks for your advice SP500 - I'll do some reading up next, and have a look at the Part 18 request jobby. Love SG x
  9. Rest of scans :- Thanks again, and for taking the time to read them all. Love SG x CreditlimitAPR2.pdf CreditlimitAPR3.pdf CreditlimitAPR5.pdf CreditlimitAPR6.pdf CreditlimitAPR7.pdf
  10. Next set of scans :- GeneralTC.pdf GeneralTC2.pdf GeneralTC3.pdf Statementofac.pdf CreditlimitAPR1.pdf
  11. Hi again all I have managed to scan in everything into pdf (Elsa thanks for the Zamzar link its ace!) - some of the paperwork is longwinded but I thought it best to scan in everything so you can see all the bumph Link have supplied. Have added rest of scans to extra posts as there were so many! Before I attach the scans I did notice something which may prove to be very important. My husband insists he never ever received any terms and conditions as well as any Agreement as you know, and Link have now provided a copy of documents which we have never seen before. As regards
  12. Hi again folks We've received a pile of paperwork from Link today and it will take some time to format it to pdf, but I will put it up as quickly as I can. Jasper - thanks for your post - this is part of our argument exactly - their "agreement" is an application form. They have sent a further 2 copies with the paperwork today and are STILL insisting its an agreement, and even commenting that we shouldn't need to ask for more copies as we have "commented on it" in prior correspondence - cheeky barstewards - yes we commented on it more times than I've had hot dinners BECAUSE its n
  13. Oh btw we've been through everything but can't find any Default Notice so shall we wait to see what comes back??? Hubby can't remember getting one and I feel sure I would have kept it.
  14. Hello again Elsa & all Well we've had another letter from Link today - advising us of their "litigation fee" (have scanned it in). Seems they have a Litigation Manager - is that a new word for a Solicitor then?? Their fee is included in the total claimed on the claim form so I wonder how they are not going to charge interest on it!!!!!!!! Meantime the letters are going off today and I just wanted to take this opportunity to say a BIG thank you to you Elsa for all your help and advice so far I've rated the thread which (I think) gives you a well deserved pat on the back .
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