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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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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.
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Me, Myself & MBNA - Help required


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Hi Gertrudelovescredit

This is the best i could find so far but wonderedi if this letter amended to suit your situation would be a help

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hello good people! Not wanting to hijack your thread but did you see my latest:

 

icon1.gif Re: AA99 v MBNA (Account 1)

"we are sorry we have not been able to supply you with a photocopy of the original". How very nice of them to put it in writing! :-)

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Obviously in your case they did not send you a signed application form but you could say instaed all they have sent you is current terms and conditions and not a copy of your original signed agreement blah blah!:)

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hello good people! Not wanting to hijack your thread but did you see my latest:

 

icon1.gif Re: AA99 v MBNA (Account 1)

"we are sorry we have not been able to supply you with a photocopy of the original". How very nice of them to put it in writing! :-)

Hi AA99!

Thats great news!:)

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Was your card originally taken out with MBNA or was it bought by them from another provider?

 

I had some cards originally with HBOS, but these were bought by MBNA a few years ago. They couldn't provide a signed agreement for these.

 

IMO, no signature of debtor = no contract. No contract = no debt, but a gift;) Why how very generous, thank you MBNA:p

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Thanks sunflower.

 

I think I got my card in 2001 or thereabouts.

Hi Gertrudelovescredit

Thats ok! Glad to have been able to be of some help!:)My MBNA card was taken out in 2002! but in my case MBNA sent me back a signed application form and are trying to imply that there are the prescribed terms and conditions on back of my application form!:roll:They are being quite crafty in my case as they sent me a photocopy of my signed application form on the front of paper and then photographed a piece of paper with ts and cs on back of paper impying but not actually saying that they are on back of application form but i am sure that they are not and they are trying to mislead me!but unless it goes to court and they are forced to produce original or they allow me to make an arrangement to inspect original it can not be proved!so now i am playing the wating game with them!and spending my time on this forum getting more and more knowledgeable about things so i can do battle with them or any other DCAs they sell my debt onto.You are very lucky as no agreeement no enforcement and if any DCA attempts to take any further action with you all you need to do is say that they appear not to have any agreement:-D also the fact that your card was taken out in 2001 is good as if they do eventually find something and try to send you a fudged up one or improperly executed one !the fact that you have a cca drawn up before 2006 makes it a lot harder for MBNA to get away with a sham one as the courts are a lot more limited if they stick to correct legal guidlines to making pre2006 CCAS enforceable!:-D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Thanks for your reply sunflower, greatly appreciated xx

Hi Gertrudelovescredit!

Thats ok i was glad i was of some help!:)I am so pleased for you that they have not got a CCA !:Dxx

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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