Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • 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).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Mbna 'agreement' - now threat of legal action


underdog13
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5383 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi S

Sorry, I don't know what I have done wrong, do you know how to enlarge them? Not done this before

LK

 

 

Hi LadyK

 

Right what you need to do is the following.

 

first you need to scan your image, once you done that Open up the Photobucket menue. Upload the image to this program, once you have done that in photobucket you will get at dropdown menue. Choose the last option called img code. Right click mouse and copy, you can now paste your image code onto the forum.

 

Hope this helps you.

 

Gaz

Link to post
Share on other sites

  • Replies 585
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Hi

Think I may have done it (my son helped!).

 

http://i585.photobucket.com/albums/ss298/LadyK_20/mbna2.jpg

http://i585.photobucket.com/albums/ss298/LadyK_20/mbna1.jpg

 

Hope this is better.

LadyK

 

Hi LadyK, it is pretty hard to read but from what I can see it looks ok :(

 

That looks like quite a late agreement to me and most creditors ( although not all ;) ) tended to get their act together about 2004.

 

You really could do with getting a good copy posted up somehow then we can pick it to pieces for you :D

 

Cosalt

Link to post
Share on other sites

Hi

Think I may have done it (my son helped!).

 

http://i585.photobucket.com/albums/ss298/LadyK_20/mbna2.jpg

http://i585.photobucket.com/albums/ss298/LadyK_20/mbna1.jpg

 

Hope this is better.

LadyK

 

All I can see is the Interest rates may be misquoted.

 

It states APR at 15.9% as well as interest rate at 15.9% pa even though there are 3.0% handling fees for balance transfers, cheque and cash transactions.

 

I think also the prescribed terms (credit limit, rate of interest & repayments) are too much interspersed in other information.

 

A judge could find it unenforceable for those reasons, but IMO not a real deal killer. :evil:

Link to post
Share on other sites

All I can see is the Interest rates may be misquoted.

 

It states APR at 15.9% as well as interest rate at 15.9% pa even though there are 3.0% handling fees for balance transfers, cheque and cash transactions.

 

I think also the prescribed terms (credit limit, rate of interest & repayments) are too much interspersed in other information.

 

A judge could find it unenforceable for those reasons, but IMO not a real deal killer. :evil:

 

You have better eyes than me basa :p

Link to post
Share on other sites

Thank you for your replies everyone.

 

My main concern was that page is A4 size with three columns, but the reverse was only the width of two columns. I cannot make out what the black strip is supposed to be.

 

Also, in clause 3b it says "details of other service charges are set

out in section 4." ......... There is NO section 4 !

 

Next to this its says rest of T & C in encl leaflet - I didn't think they could do this.

 

Do you think the first column could have been pasted on? Or is this just wishful thinking.

 

LK

Link to post
Share on other sites

Thank you for your replies everyone.

 

My main concern was that page is A4 size with three columns, but the reverse was only the width of two columns. I cannot make out what the black strip is supposed to be.

 

Also, in clause 3b it says "details of other service charges are set

out in section 4." ......... There is NO section 4 !

 

Next to this its says rest of T & C in encl leaflet - I didn't think they could do this.

 

Do you think the first column could have been pasted on? Or is this just wishful thinking.

 

LK

 

Certainly very suspect. I actually think both first and second columns have been added. What are the almost box markings around both signature panels - as if they've been added from elsewhere??

 

And why two document references at the bottom, one dated 06-05, the other 09-05?

Link to post
Share on other sites

Thanks Basa

 

I thought that the box markings were strange as the others are so clear!

 

There is also an 06-05 within column 1 and 2, if this is relevant.

 

The more I look at it the more I seem to notice, if it is genuine it was very badly done.

 

It has three points at the bottom of the cover page which don't tie in with anything if that makes sense- 'providing you.......' 'as long as you........' but doesn't say what happens if you do these. The other gives the telephone number of 'Customer Satisfaction Helpline' which is also gives at the bottom on column 2 on the reverse - but the telephone numbers are different??

 

Under right to cancel it says details will be sent but on the cover page it tells you. This also says 06-05 - now I'm really confused.

 

And so it goes on.

 

But where can I go from here?

 

Your advise is much appreciated.

LK

Link to post
Share on other sites

Thanks Basa

 

I thought that the box markings were strange as the others are so clear!

 

There is also an 06-05 within column 1 and 2, if this is relevant.

 

The more I look at it the more I seem to notice, if it is genuine it was very badly done.

 

It has three points at the bottom of the cover page which don't tie in with anything if that makes sense- 'providing you.......' 'as long as you........' but doesn't say what happens if you do these. The other gives the telephone number of 'Customer Satisfaction Helpline' which is also gives at the bottom on column 2 on the reverse - but the telephone numbers are different??

 

Under right to cancel it says details will be sent but on the cover page it tells you. This also says 06-05 - now I'm really confused.

 

And so it goes on.

 

But where can I go from here?

 

Your advise is much appreciated.

LK

 

I think all you can do for the moment is to list all the discrepancies. This will throw sufficient doubt on the document.

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

Link to post
Share on other sites

I'm confused as to why MBNA have not sent me anything except the current T&Cs since I started asking them for my cca in mid Feb.

 

I've reminded them to send it at least 4 times since. Even sent SAR.

 

Now I get a letter saying they've 'terminated' the account and to return the card (no chance .... they're not getting proof of my sig.!) :wink:

 

What is the normal time scale from CCA to getting the 'agreement' ? I wonder if they can't 'construct' one because they haven't got a genuine sig. off me.

 

But then if they haven't got my genuine sig., how would they know that??

 

PS: I'm going to compose a letter requesting the agreement under pre-action protocol. They've got until next week to supply the SAR, then it's going.

Link to post
Share on other sites

I'm confused as to why MBNA have not sent me anything except the current T&Cs since I started asking them for my cca in mid Feb.

 

I've reminded them to send it at least 4 times since. Even sent SAR.

 

Now I get a letter saying they've 'terminated' the account and to return the card (no chance .... they're not getting proof of my sig.!) :wink:

 

What is the normal time scale from CCA to getting the 'agreement' ? I wonder if they can't 'construct' one because they haven't got a genuine sig. off me.

 

But then if they haven't got my genuine sig., how would they know that??

 

PS: I'm going to compose a letter requesting the agreement under pre-action protocol. They've got until next week to supply the SAR, then it's going.

 

The ICO got my SAR from MBNA for me, why not go through them:???: At least then you've used one of the authorative bodies. Easy to do online too ;)

Link to post
Share on other sites

I'm confused as to why MBNA have not sent me anything except the current T&Cs since I started asking them for my cca in mid Feb.

 

I've reminded them to send it at least 4 times since. Even sent SAR.

 

Now I get a letter saying they've 'terminated' the account and to return the card (no chance .... they're not getting proof of my sig.!) :wink:

 

What is the normal time scale from CCA to getting the 'agreement' ? I wonder if they can't 'construct' one because they haven't got a genuine sig. off me.

 

But then if they haven't got my genuine sig., how would they know that??

 

PS: I'm going to compose a letter requesting the agreement under pre-action protocol. They've got until next week to supply the SAR, then it's going.

 

I got my application after making a formal complaint to MBNA asking for the doc, came back quite quickly after that.

 

S.

Link to post
Share on other sites

I'm confused as to why MBNA have not sent me anything except the current T&Cs since I started asking them for my cca in mid Feb.

 

I've reminded them to send it at least 4 times since. Even sent SAR.

 

Now I get a letter saying they've 'terminated' the account and to return the card (no chance .... they're not getting proof of my sig.!) :wink:

 

What is the normal time scale from CCA to getting the 'agreement' ? I wonder if they can't 'construct' one because they haven't got a genuine sig. off me.

 

But then if they haven't got my genuine sig., how would they know that??

 

PS: I'm going to compose a letter requesting the agreement under pre-action protocol. They've got until next week to supply the SAR, then it's going.

 

I've not even recieved terms and conditions for one of my accounts, despite reminding them several times!! Originally requested in Feb/March.

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

Link to post
Share on other sites

Hello All

 

My battle with MBNA is continuing. They and 1st credit are exhibiting some strange behaviours. They have sent me nothing, account is in dispute, yet they are using threatening behaviour. I have posted my updates on the link below. Any advice will be most welcomed.

 

http://www.consumeractiongroup.co.uk/forum/mbna/193699-mbna-cc-loan-settlement-2.html#post2161676

Link to post
Share on other sites

  • 1 month later...
Hello All

 

My battle with MBNA is continuing. They and 1st credit are exhibiting some strange behaviours. They have sent me nothing, account is in dispute, yet they are using threatening behaviour. I have posted my updates on the link below. Any advice will be most welcomed.

 

http://www.consumeractiongroup.co.uk/forum/mbna/193699-mbna-cc-loan-settlement-2.html#post2161676

 

Normal for MBNA. Just keep reminding them without an agreement how can they expect payments?

Link to post
Share on other sites

I recently received one of my credit card agreement from MBNA. I should be grateful if someone could please look at it and let me know if it meets CCA 1974 requirements. It seems to be short on the terms and conditions it should contain.

 

On the second agreement they have asked HBOS for the agreement but they also say the following:

‘It may be helpful to explain that we are not required to serve a copy of the credit agreement which includes signatures, as the law expressly permits lenders to omit signatures from copies of all credit agreements. What we have to send is a true copy containing all the necessary material terms and conditions. For the avoidance of any doubt, all the necessary prescribed terms and conditions are included in the enclosed credit agreement.’

The problem with this statement is that they have not sent the second agreement. All they have sent is a recent terms and conditions with rates at 34.9% which definitely was not the rate when I took out the card in 1999.

 

I should be grateful if someone could please advise me on how to proceed with both agreements.

ODEZI MBNA 1-1.jpg

ODEZI MBNA 1-2.jpg

Link to post
Share on other sites

I recently received one of my credit card agreement from MBNA. I should be grateful if someone could please look at it and let me know if it meets CCA 1974 requirements. It seems to be short on the terms and conditions it should contain.

 

On the second agreement they have asked HBOS for the agreement but they also say the following:

‘It may be helpful to explain that we are not required to serve a copy of the credit agreement which includes signatures, as the law expressly permits lenders to omit signatures from copies of all credit agreements. What we have to send is a true copy containing all the necessary material terms and conditions. For the avoidance of any doubt, all the necessary prescribed terms and conditions are included in the enclosed credit agreement.’

The problem with this statement is that they have not sent the second agreement. All they have sent is a recent terms and conditions with rates at 34.9% which definitely was not the rate when I took out the card in 1999.

 

I should be grateful if someone could please advise me on how to proceed with both agreements.

 

Your attachments are far too small to make any assessment at all. You're best putting them on Image hosting, free photo sharing & video sharing at Photobucket and posting a link to them.

 

As for HBOS, they are fobbing you off. Maybe because they haven't yet dug your agreement out of their archives, or they can't find one. Certainly what you describe as what they have sent so far is less use than toilet paper as a credit agreement.

 

You should certainly write back to HBOS explaining that what they have sent in no way is a true copy of an agreement for the account. First off T&Cs are not the agreement and in any case the current ones were not the ones you would have signed up to.

 

Oh and BTW explain that without a properly executed agreement you are not obliged to offer any payments to the account.

Edited by basa48
Link to post
Share on other sites

Hi Mightyacorn

I was told that if post code on back is different from one one on front that can be queried! As you know no evidence to prove what they imply is on back or second page is actually on original ;)Though my eyesight not very good am i correct in saying that the front page ie the application form make no reference to any precribed terms overleaf.! :)

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,

Link to post
Share on other sites

Mbna seem to love implying that agreements have overleaf ts and cs lately!;) so though you can never be a 100% sure unless you force them to bring it to court or arrange to visit them at Chester towers to view it!Though something tells me they will not be to keen!: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,

Link to post
Share on other sites

somebody told me to look at MBNA agreement to see if it had different post code and was told thisHowever in my case i can not see different postcodes and may not be sugnifiacant but some cagger told me this- addition I think on the terms side they have an MBNA address with a different postcode to the address on the signature side so if its from the same doc why the difference

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,

Link to post
Share on other sites

MBNA sent me an agreement :-

 

Anyone tell me please, enforceable or not?

 

Unfortunately there is nothing I can see that I would want to go into court and claim unenforceable with. :Cry:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...