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    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • luckily like this thread VCS/DCB(L) PCN spycar capture - PAPLOC Now claimform - no Stopping in Restricted Zone - Bristol Airport ***Claim Dismissed*** - Page 4 - Private Land Parking Enforcement - Consumer Action Group although no on the crossing, same applies to you so WS time. there are numerous threads here on pedestrian crossing claimforms by VCS at Bristol and at other airports so use our enhanced google searchbox and find them. really a bad idea to vanish for SIX months and not been have reading up here.....................  
    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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      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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Jeez ! It's all happening today.

 

Had a phone cal back from MBNA advocates office. There really is nothing they can do regarding the missing statements. It was suggested that if I look at the previous and prior months statements then I could see what charges were added on to the account. ......... Long pause by me............... "I take it you are looking at the charges on your account to see if they can be refunded" Up until now, I have not mentioned charges at all. MBNA mentioned them first.

 

I said that the only thing I can do is look at the worst possible scenario as to what charges could have been applied and ask for them back on top of what I alerady know they owe me.

 

I was also told to write in for them to be refunded and it will be dealt with "in the usual way" .. Wooooooooooohhhhhhhhhhhhhhhhhh !!!!!!!!!!!!!! They are obviously deaing with a lot of these then.

 

I remained calm as the chap I spoke to was very polite. No point having a go at him personally if their disks that store the info have lost a load of my statements. Will keep you all posted.

 

Keep the faith !!!!!!!!

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It's looking good for you ! :D

 

Have got MBNA in my sights too but haven't got round to them yet...

 

Busy concentrating on Egg, Cahoot & First Direct first...

 

Best of luck.

 

If you think they might settle amicably... then wait for that to occour. But I would still refer them to the commisioner for losing your statement once everything else has been resolved.:D

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DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Yeah, I 'll see how things pan out with them. if they pay the most I could have been hit with in charges for the absent months then I' m not sure how I would play it.

 

See what happens, I'll keep you posted.

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I sent them my LBA last Friday giving 14 days notice and lo and behold I got a letter (dated same day) with a complete list of statements from Kathryn Hand the Head of Customer Relations. My LBA asked for a refund of £1675 and after adding the statements up it is actually £775. Reading the statements I did n't realise I had paid the full balance off on more than one occasion, I did have a goodwill gesture from them in February and they refunded £150. Anyway I have written to them giving them 14 days from 28th April to refund the £775 or I will commence action against them without further notice.They have until 12th May or Hi ho hi ho its off to court we go.

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Update Guys

 

Ok, from the statement they have sent me I have over £300 charges. Reading between the lines on the others there is about another £200. So this makes me think that these have purposefully been missed out. Do the maths 60 statement and 7 cannot be given. So that leaves 53 on which there are £300 charges scattrered about. Averages a charge of £5.66 per statement. Yet 7 statements with £200 charges averages £28.57.

 

Perhaps I am being a but paranoid but it seems remarkable that periods of time when most charges were added consistantly they cannot provide the statements.

 

Anyway, 1 st letter sent today informing them I want £500 back, removal of late payments from my credit file or I will go to the IC and report them for a. not providing my details and B. not storing my details carefully enough.

 

Will let you know how things go. Not till next though as I'm now off to Ireland for a weekend on the beer ! Oh, and my best mate gets married there as well !

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Much as it seems suspicious I can't believe that they could be that duplicitous...

 

Can they ? :confused:

 

It would certainly add an extra element to any claim to the information commisioner though ! :D

 

Have fun in Ireland... Have a guiness for me ! ;) (really need a beer smilie !)

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Yes, they can - banks are the most devious institutions on the planet - I would put nothing past them.

 

They rely on people thinking that they are still respectable - they lost all respect some time ago, with constant lies and unlawfullness.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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Have not sent DPA yet to these guys, but had an accident whilst i had my account running, lucky i had PPP with it. Yes they paid out a yrs worth.

But my balance remains the same, in excess of 12 k I am not back at work. Due to my accident. But wait till i hit them with the DPA charges.

I am sure my balance will drop considerably. They have been good though not registered any ccjs as of yet.

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I will be gunning for them after I've finished faffing with Nationwide. ;)

Argos Employee

Anything I say is my own opinion and in no way am I a representative of Argos Ltd, Home Retail Group plc or any of its companies. No terms are created, nor liability accepted by myself or the for-mentioned companies for any personal advice I provide in my posts.

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Have fun in Ireland... Have a guiness for me ! ;) (really need a beer smilie !)

 

Meant to post on Monday...

 

So how was your weekend SS ?

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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I remember from my banking training that proper records have to be kept for a certain period. This may be a Financial Services Authority requirement, or it may be part of the Consumer Credit Act.

 

If I can find my big book, I'll look it up and post tomorrow.

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its 6 years by the regulations, so they have to have that amount at least...

 

Which regulations ?

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Guest Lueeze

im pretty sure its the FSA, but i need to double check it, cant find the thread i need...

 

Hold tight!

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The 40 days were up yesterday. 7 statements missing and no file notes from MBNA. What should I do from here guys ? Is there any devious way I can really stitch them up ?

 

Speak to alanfromderby. He has just started proceedings against Abbey for non-compliance with DPA.

 

If you haven't already, start your action against MBNA using the figures as you believe them to be. They will have to disprove them.

 

With regards to the file-notes... I'm not surprised. I don't think I've heard of anyone that has recieved them. All to your benefit as it will be very difficult to prove manual intervention without them.

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Nice one Dinghy

 

Need I point you in the direction of the scales in the top right corner ??? (hint hint nudge nudge !:D :D :D )

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If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Now, this is an interesting one as they are claiming that they have "lost" the information. My inclination would be to use the template letter for DPA Non-Compliance, listing the information you are missing.

 

They then have three choices:

 

1) To "find it" and send it to you within 7 days - problem solved.

 

2) To admit in writing that they have "lost" it - which would warrant a complaint to the IC, and possibly the FSA, for poor management of your data.

 

3) To ignore your request - which would warrant a county court action under section 7 DPA (Bank Template Library) - and in due course a complaint to the IC and the FSA.

 

This would not stop you continuing with an estimated claim - and should it be found later that the amount is significantly different then the claim can be amended at a later date.

 

 

 

 

 

 

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