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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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shadow i totally agree i will stew on this 4 a while perhaps fire of a few letters to government seeking answers as to why the CCA is not upheld and why judges when we the consumer rely on them to uphold acts of parliment are totally oblivious

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

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Indeed the judges point was unless he saw a termination notice he could not give that ruling

 

 

hello PF just caught up with you , well reading back it looks like the best result that you are happy with and no costs to pay to them,,,, i bet that will gaul them no end,,,, like you say you did get a payment of what you can pay off easily and you didnt half give them a run for their money, glad its over for you now though was worried for you

 

so from your quote above on a previous post, so how would you or how would the judge have expected the termination notice to look like then to give the correct ruling in his opinion,,,,for example, ive got an actual letter that states the account is terminated and the full amount is due

 

would that count? or is it that an idle letter meant to frighten me only to pay up,,,,

 

like surface x 20 if a court claim is issued for the full amount surely that is also considered termination after a default notice has been issued?

 

thank you for updating us and again i wish you and your family the very best and keep up your positive vibes to the rest of us - also i do hope your mum is okay this eve and that you can now spend lots of time with her too

 

laters all angel x

 

hiya and waving to the visitors anything i can help you with??

Edited by angel_1
waving to the visitors

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hiya angel thank you at the end of the day ive secured my home with no judgement or costs so that i think is worth the £20 a mth

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Congratulations PF. If you're happy with the outcome, then I'm happy for you. You've been through so much these last few months that you deserve to take a break from all this, give yourself a chance to get back to full strength, take care of yourself and your family, and grieve for you fantastic dad.

 

I wouldn't read too much into the statement you've posted above, which appears to me like a manual adjustment to zero the account. Was this around the time that the account was terminated or default notice sent? It looks to me like it's purely an accounts transaction writing off the balance on your account and putting it to a doubtful or bad debts provision, which would be deemed prudent in accounting terms.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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caro i am truely grateful to u and this site as i do not believe i would have got this far to me all said and done it is a resualt as i am happy with the outcome

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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You put in the hard work Pompey. Give yourself a pat on the back.;)

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Take your time to think things over, PF; you haven't got to do anything immediately.

 

It may be worth a free initial interview with a solicitor - nothing to lose, after all. If they think your chances are slim, then it's not worth risking your house on a point of principal.

 

One point though; the judge said other side would merely reissue another claim if he struck it out -what about Henderson v Henderson 1843; means that if the've had a chance at it once and messed it up, they don't get another chance. This interpretation of the ruling sums it up nicely.

 

 

Quote:

The Court of Appeal, dismissing both appellants’ appeals, considered, at some length, the most recent authoritative statement of the rule in Henderson v Henderson, as delivered by the House of Lords in the case of Johnson v Gore Wood & Co [2002] 2 AC 1. The main judgment of the Court of Appeal was delivered by Peter Gibson LJ (with whom Clarke and Scott Baker LJJ both agreed). Peter Gibson LJ described Henderson v Henderson abuse of process by reference to the speech of Lord Bingham in the Johnson case, as follows:

 

" … there should be finality in litigation and … a party should not be twice vexed in the same matter. … The bringing of a claim or the raising of a defence in later proceedings may, without more, amount to abuse if the court is satisfied (the onus being on the party alleging abuse) that the claim or defence should have been raised in the earlier proceedings if it was to be raised at all."

 

If they mess up they shouldn't get a second chance.

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Normally, financially terms state something along the lines of "we will issue monthly statements." So, at the point that they stop doing this (or a DCA if appropriately licensed) aren't they in breach of contract I wonder...unless the account has been terminated of course!!

 

UD's reference is useful...am going to save that for myself!!

 

Don't be disheartened PF. I'm not sure that now is the right time for you to be fighting...

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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it is a resualt as i am happy with the outcome

 

 

thats all that matters PF well done

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while i am happy with the outcome there is still niggle in my back that justice was not forthcoming due to abuse of process, contempt, fraudulent docs,a pack of lies on most of there statements and a judge that made a ruling with no updated trial bundle in front of him so to that end i will lay low 4 a while on this one and do some research and digging and if not 4 me for the good of all you PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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First of all, I will say how sorry I am that you didnt get the result you should have done. Even though you are at the moment content with the outcome, having avoided the CCJ.

 

And just where is this £20 going to go because obviously it cant come off my balance because according to that statement there is no balance.

 

This is getting all the more confusing

 

Now there's a question. I guess they will set up an account to administer this amount.

 

Oh that damm solicitor asked if my dad left a will :eek: to which i said pass he only passed away 5 weeks ago. jesus i was stomped with that.

 

No comment:mad:

 

 

Defective Default Notices are underpinning quite a few defences at the moment. This is quite worrying and I think it needs to be answered.

 

At least 2 CAGers have won their cases with the statement showing a nil balance ?

 

Others are going to be using this as part of their defence

 

It is my understanding that to proceed to litigation, certain procedures have to be followed:

 

UK Parliament SIs 1980-1989/1983/1551-1600/Consumer Credit (Enforcement, Default and Termination Notices)

Regulations 1983 (SI 1983/1561)/SCHEDULE 2 Form of Default Notice before a Creditor or Owner Can Become Entitled,

by Reason of Any Breach by the Debtor or Hirer of a Regulated Agreeement, to Terminate the Agreement, Demand Earlier

Payment of any Sum, Recover Possession of any Goods or Land, Treat any Right Conferred on the Debtor or Hirer by the

Agreement as Terminated, Restricted or Deferred or Enforce any Security

SCHEDULE 2

FORM OF DEFAULT NOTICE BEFORE A CREDITOR OR OWNER CAN BECOME ENTITLED, BY REASON OF ANY BREACH BY THE

DEBTOR OR HIRER OF A REGULATED AGREEEMENT, TO TERMINATE THE AGREEMENT, DEMAND EARLIER PAYMENT OF ANY

SUM, RECOVER POSSESSION OF ANY GOODS OR LAND, TREAT ANY RIGHT CONFERRED ON THE DEBTOR OR HIRER BY THE

AGREEMENT AS TERMINATED, RESTRICTED OR DEFERRED OR ENFORCE ANY SECURITY

It would seem that MBNA very rarely issue a Termination Notice as such. If they issue a Formal Demand for the whole amount after issuing a Dodgy DN or not issuing one at all then they have not followed the procedure?

 

According to X20 and others , issuing a court claim amounts to termination. In which case, an effective DN cant be re issued ?

 

Learning from PF's experience, how are those with court cases looming going to deal with Default notices that are evidently not worth the paper they are written on and a DJ saying that statements and a precontractural application form and current T&Cs with NO signatures are suffcient evidence for a decision to be made in favour of the Claimant ?

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right having said that time 4 a nice cup of tea lol

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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while i am happy with the outcome there is still niggle in my back that justice was not forthcoming due to abuse of process, contempt, fraudulent docs,a pack of lies on most of there statements and a judge that made a ruling with no updated trial bundle in front of him so to that end i will lay low 4 a while on this one and do some research and digging and if not 4 me for the good of all you PF

 

Once you have got your life back on an even keel again and you have the time it might be worth collating all your paperwork and revisiting the whole situation. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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citizen i agree totally hence my post above

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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does anyone think it is worth sending a big fat letter outlining this case to the justice sec to get his response

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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yes citizen i agree so guys this aint over yet but 4 the time being i will be putting more effort into the PPI forum as i know Alanalana apreciates my maths skills in there plus i have a big claim i need to get back on track

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Could the prospective credit agreement be in breach of s59 of the CCA 1974 ? (I can't see the details on the thumbnail agreements u've posted)

 

Here's some thought provoking snippets from a successful defence on prospective agreements used by PaulWalton (He WON) :-

 

[begin quote]

2 On the 19th May 2005, the Defendant signed an Application Form for a credit card facility to be provided by Claimant. (Exhibit 1)

 

3 Provision of this credit facility was dependant upon a satisfactory credit record being obtained by the Claimant from one or more Credit Reference Agencies, and upon other lending decision criteria. The Application Form was therefore a pre-contractual agreement to enter into a prospective full-regulated credit agreement with the Claimant in the event that the Defendant’s application was successful.

 

4 The Application Form contained a clause, which included the following statement -

'Please issue me with an additional Barclaycard for use on the account(s) to which this application relates. I accept to be bound by the Barclaycard Conditions of use'. As such, the application purports to bind the Defendant to the terms and conditions of any prospective credit agreement with the Claimant.

 

5 Section 59 (1) of the Consumer Credit Act 1974 states that 'an agreement is void if, and to the extent that, it purports to bind a person to enter as debtor or hirer into a prospective regulated agreement.’ The Defendant therefore contends that this pre-contractual document, not being a regulated credit agreement in itself, and insofar as it purports to bind the Defendant to the terms of an actual prospective regulated credit agreement, is void and of no effect.

 

[end quote]

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thank u SP62 all these points will be used when i plan my way forward from this so keep them coming as it will help me

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi PF

 

So sorry I couldn't get there for a bit of moral support for you yesterday - I ended up being tied up with OH's dads house, trying to get everything sorted before we get clobbered for council tax on an empty house.

 

It's such a shame you didn't get the initial judge you had, and I'm with everyone else that you did not get a fair hearing.

 

Hopefully though this will be a little weight off your mind, and then maybe when you're feeling a little more up to it you can try and find out if there's any recourse on this obviously moral judgement.

 

Oh and

Originally Posted by pompeyfaith

And just where is this £20 going to go because obviously it cant come off my balance because according to that statement there is no balance.

 

This is getting all the more confusing

 

...we have the same sort of thing. According to MBNA they've charged off OH's account (although he's not had a statement to that effect) and don't have anything to do with it. I've written to DCRI telling them to sod off until I've spoken to MBNA, and yet the s/o payments OH is making to his old account number are still mysteriously being taken. Where is that money going?

 

I think MBNA are having a bit of fun with their books at the moment. Hope it bites them on the ar*e soon:mad:

Time flies like an arrow...

Fruit flies like a banana.

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Hello PF!

 

I think you would be wise to regard this issue as unresolved, and go quiet on it while you take stock to consider if you should take this further.

 

Whilst £20 a month is not a lot, the problem remains that you will be paying this more or less forever, with MBNA lurking like a coiled spring waiting to jump all over you if you miss a single Payment, or if they engineer it so that it looks like you've missed a Payment.

 

This will never be Statute Barred, so there is no end in sight unless you can gather the funds to square it away at some stage. You need to make sure they are not adding lots of interest to this behind the scenes, or you may find in, say, 10 years time, the Debt has grown not reduced.

 

This, I regret, is the hard fact of life. Once a Court battle starts, my feeling is that you must fight until you either win or lose or can settle something out of Court that closes it off. The result yesterday was neither in effect, so the matter is on-going albeit that the imminent pressure has eased. That will be a welcome relief, but you must be sure it's not simply a lull before another bigger storm.

 

The real threat is these people took a bloody nose, but didn't lose when they should've lost. They are the ones who got off lightly, because they have retained what could be the real potential to come back at you for a second crack later.

 

By that, I mean a straight lunge for your throat and house if you fail to make a £20 Payment at some stage. The longer this gets away from that Hearing, the stronger their position may become if you have been making a long series of £20 Payments when they come back to start trouble later on.

 

As always, this is just my opinion. Others may well disagree, and quite rightly so, as few of us have all the answers.

 

There remains a couple of big questions:

 

  • If they have charged it off and offset the debt against Tax then, what, exactly, are you now paying? Have they reversed the Charge Off, or are they now enjoying 100% Tax benefits and making you pay the same all over again at £20 a week, with a potential option to sneak back at you later and go for the lot in one go.

 

  • Are they adding interest?

Good luck which ever way you decide to go with this.

 

Cheers,

BRW

Edited by banker_rhymes_with
Minor typo
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There remains a couple of big questions:

 

  • If they have charged it off and offset the debt against Tax then, what, exactly, are you now paying? Have they reversed the Charge Off, or are they now enjoying 100% Tax benefits and making you pay the same all over again at £20 a week, with a potential option to sneak back at you later and go for the lot in one go.

 

  • Are they adding interest?

Good luck which ever way you decide to go with this.

 

Cheers,

BRW

 

this question is coming up more and more - how do they charge off an account and yet sell it to a DCA/continue to take payment?

 

I could understand if they only got a certain amount towards it, and you had to repay the balance - that would seem right (obviously if they can prove you have to pay it in the first place!), but to still be able to insist on the full balance being paid strikes me as very dubious.

 

I wonder who would be the person to ask who could find out exactly how this works for them?

Time flies like an arrow...

Fruit flies like a banana.

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I think you would need a forensic accountant to go through their published accounts and look for the charge off amounts and how they were recorded on the balance sheet and what amount of tax was offset against this vs what they received in debt repayment or what they ARE receiving in the case of repayment direct rather than one off DCA payment.

 

S.

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brw in light of what u have just said and i agree that backs up that i sure do need words with a CCA solicitor

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Hi PF,

 

I can't add anything to what's already been said, but just want to reiterate that you should at least try to take a well-earned break now as you fully deserve it, then come back re-charged for the next round, whatever it may be:)

 

Glad your Mum is ok!

 

Regards,

 

Landy x

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