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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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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Arrow/Shoos claimform - old MBNA debt - settled by Tomlin - drydens now write saying pay us not Arrows?


toxicdebt
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UPDATE:

 

Today was the day I was threatened with a 'Call' from Mr Green on that postcard. I did send a letter telling them I would only converse in writing and they were not invited to my door etc.

 

All I got was a text message from someone at RMA saying "Mr Toxic We have need to contact you urgently. You MUST call us immediately on 0800 blah blah"

 

I didn't reply.

 

Lets see what they do next.

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Hi all

 

I'll post an update later today or tomorrow as just on my way out.

 

Mr Green must be a very busy man as he seems to send those cards to everyone

 

Thanks

 

Scrapper Coco:cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Underdog i'm not talking about the card, i'm talking about the application form what you fill in to get the card.

 

Gaz

 

So am I, Gaz;) My card number was written on my application form by the cred after they received my application form.

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Hi Underdog

 

No, this 16 dig number is at the bottom of my application. next to the word test which i removed for personal reasons at the time. Also its not even my reference number making it very dubious document.

 

Gaz

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Hi all

 

Sorry for the delay, but not been very well (hangover)

 

Anyway my friend is more than willing to point us in the right direction, but he did quote some legal guff at me just so I clear on what I am telling you all.

 

 

  1. If MBNA mock up an agreement and present to a court and make it very clear that this is what the original agreement would have looked like then they haven't broken any laws at all.
  2. If MBNA mock up an agreement and present it as a copy of the original then they are fecked if you can prove otherwise.
  3. I believe even at this point it has to be the original not a copy for the judge to make it enforceable. Without the original there's feck all he can do as he can't overall the house of lords.

You already knew the points above as I listed them last time.

 

Now this is where it gets tricky. If they produce a agreement and present it as the original you will have to bring to the judges attention that they a basically lying and presenting fraudulant documents to the court (naughty naughty) and then provide him with the original for comparison. This is where it could all go very very wrong for you in a large way, because you have now just basically admitted that you acknowledge the debt because your paws are all over it. And presented a signed agreement to a County Court Judge. If after the comparison the Judge is a very p*ssed man / woman he / she might show pity on you and wipe the slate clean as he basically been lied to. Now at this point if it does fall in your favour the judge can fine them, boll*ck them and he also has the power to order an investigation into the dirty dealings of MBNA and see if they have pulled the trick more than once. We all know they have. And at this point we contact everybody on the MBNA forums and put together as much evidence (has to be physical, can't be they pulled that one on me but I don't have the original document) as we can and my friend will put us in touch with someone at the fraud squad. If we have enough for them to make a case they will, but if only a few people come forward then they won't bother.

 

So basically it's all down to the MBNA caggers now as I can't help as I haven't a clue where paper work for last week is let alone 20+ yrs ago.

 

You basically knew the above I've just repeated myself

 

Thanks

 

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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I guess the trick is to produce an original agreement by virtue of missing prescribed terms etc so that you claim that it is still uneforceable??

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

 

MBNA Cards

 

CitiCard

M&S and More

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Hi all

 

Well the past few days have been interesting, the calls have started again. I've had 15 phone calls to both my mobile and landline even though I've told them twice via letter to remove all my numbers from their database as they no longer have my permission to hold them and to top that off I've had 10 txt msgs asking me to call urgently and the last one I got read as follows:

 

From: Please read

 

This is an urgent message from one of your banks, please call 01244 673052.

 

As far as I'm aware I don't bank with MBNA I bank with a high street bank.

 

They must have the wrong person lol

 

I wonder why they won't take me to court? I keep asking them to do it, but then again I've been asking for all sorts from them and still nothing except their current terms and conditions.

 

All the more evidence in my favour for when I counter claim on their sorry arses for fecking me about for months on end.

 

This is causing me no end of stress and I might have to call the doctor and get some happy pills. As if, got better things to worry about, but might be worth a go and have them for that as well.

 

Think I might hold out abit longer and then make them an offer of sweat feck all

 

Thanks

 

Scrapper Coco :cool:

Edited by Scrapper

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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UPDATE:

 

Today was the day I was threatened with a 'Call' from Mr Green on that postcard. I did send a letter telling them I would only converse in writing and they were not invited to my door etc.

 

All I got was a text message from someone at RMA saying "Mr Toxic We have need to contact you urgently. You MUST call us immediately on 0800 blah blah"

 

I didn't reply.

 

Lets see what they do next.

Phone calls have stopped, no more letters from RMA. Time to SAR.

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Blue Squirrel also has copies of his original agreements. As far as I know he also has yet to receive a copy from his s78 request.

 

Actually Blue Squirrel is a laydeee :D

 

Have three MBNA accounts, none of them started off as MBNA and yet the "true copies" they have sent are all MBNA. In two cases they have managed to send the original application form which has no prescribed terms on it as part of an SAR. What is with all the coded stuff they send out as part of the SAR, you can't decipher it even with their abbrevation guide. I believe the Data Protection Act requires an intelligible form?

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Hi all

 

This isn't about MBNA, but Barclaycard. Should start a new thread really.

 

They have sent my SAR back and they have only sent the statements, but their letter stated the following:

 

Data Protection Act 1998 - Subject Access Request

 

Further to your recent request for personal information held by Barclaycard, please find enclosed a copy of the card statements you have requested.

 

This information we have enclosed relating to this account is all that we hold.

 

So no CCA, CPR just statements and nothing more etc etc.

 

What should I do next as they have already told me on the phone that I had payment protection insurance on this card until 2004 and then it was cancelled, but I never cancelled it and they can't tell me what happened. As I'm now unemployed it would have come in very handy indeed. They seemed to have missed this large detail out of the SAR. Me wonders if it's for a very good reason, like they have messed up.

 

Help me please.

 

Thanks

 

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Actually Blue Squirrel is a laydeee :D Oops, my apologies:oops:

 

Have three MBNA accounts, none of them started off as MBNA and yet the "true copies" they have sent are all MBNA. In two cases they have managed to send the original application form which has no prescribed terms on it as part of an SAR. What is with all the coded stuff they send out as part of the SAR, you can't decipher it even with their abbrevation guide. I believe the Data Protection Act requires an intelligible form?

 

I believe they are supposed to send you info explaining what those codes mean - I'd contact them again to demand it, if I were you:)

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I believe they are supposed to send you info explaining what those codes mean - I'd contact them again to demand it, if I were you:)

 

I have. They have only sent me a default notice on one but are now demanding the whole balance on all three and the one they sent has the wrong account number on. They did send me a nice postcard with a wheat field on it, not sure what section of the CCA requires that though :rolleyes:

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Hi all

 

This isn't about MBNA, but Barclaycard. Should start a new thread really.

 

Thats a good idea as this thread is to document my battle with MBNA - nout to do with Scrapper's personal battle with other card co's. (with due respect to all contributors ;) )

 

Best Wishes

Toxic :)

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Sorry Toxic

 

:cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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