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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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MBNA trouble


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Having not had much luck with Capquest CCa request I have sent a similar request to another debt of mine - MBNA (Virgin Credit Card).

 

The 12+2 days have passed with no reply then a few days later I received a letter containing print outs of transactions carried out regarding charges to my credit card account and nothing more. So as far as I am aware they are in breach of the request, I am now waiting for the 30 day period to elapse of which Im about 8 days in with 22 to go (is the 30 day period working days?)

 

Ive just had a call from MBNA (even though the letter states everything to be in writing from now on) saying that terms and conditions were sent out (they werent) and they have had no reply or payment from myself (which they havent until they supply my CCA).

 

The lady on the phone was abrupt and mentioned that once they do supply the terms and conditions that I have 14 days to pay the balance. Is this the case as I must admit it has me worried?

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No, she's talking rubbish. Don't answer phone calls from them.

 

The 30 day period is irrelevant now - that law has been superseded.

 

Write the "telephone harrasment" letter to them (it's on the site here somewhere).

 

Also reply to their statement, saying "you have not complied with my request". Section 77-79 requires you to send me a true copy of the executed credit agreement. You have not sent me this." Or something like that.

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Thank you Scarlet for your kind words, MBNA are playing dumb and making out theyve sent it. I should have stopped the conversation on the phone short really and regret providing any info to them at all. Couple of queries though-

 

Was it my responsibility to let them know that they were in breach as 12+2 days had passed, they said I should have informed them but I was waiting for the full time period to elapse.

 

Does anyone know what the next step is if they do find it though, I just want to be ahead of them and expect the worst.

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Once the account is in dispute, then all debt collection activities should cease until the dispute is resolved. However, should they then produce a CCA later the dispute has then been resolved, but at this stage, let's go one step at a time:) If and when they supply a legitimate CCA, come back to us and we'll take it from there.

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Thought we were still talking MBNA:) Still the same applies to the capquest cca and reading your 1st post it doesn't sound too much like a properly executed CCA as per the 1974 Act.

 

You are right in saying that they are in breach of your request, and until they provide the correct paperwork, then that account is still in dispute also.

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Thank you Scarlet for your kind words, MBNA are playing dumb and making out theyve sent it. I should have stopped the conversation on the phone short really and regret providing any info to them at all. Couple of queries though-

 

Was it my responsibility to let them know that they were in breach as 12+2 days had passed, they said I should have informed them but I was waiting for the full time period to elapse.

 

Does anyone know what the next step is if they do find it though, I just want to be ahead of them and expect the worst.

 

No, it isnt your responsibility to advise them they were in breach. They are just playing mind games.

 

In future just refuse to answer their security questions if they phone and/or hang up:D.

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The longer it goes on with MBNA, the better of you are.

 

In my experience, if they have something, they send it and then try and convince you that it's enforceable. In my case, the small print on the ag is totally illegible, (so tough titty MBNA).

 

Bear in mind the sole purpose of the collectors is to get money and they don't care how they do it.

 

How old is the agreement?

 

David

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David Ive had the credit card for approx 7 years and have stopped paying towards it recently until they give over a CCA.

 

Sorry to confuse things eastendboy, I was enquiring latterly with regards to my egg/capquest cca request which has got my mind ticking over as to whether or not its enforceable now. It looks right, with my correct signature, the right address for where I was at the time, the amount of credit made available, the interest rate stated as well.

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