Jump to content


  • Tweets

  • Posts

    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
    • New bank notes featuring King Charles III will enter circulation for the first time today - here are the codes of the very first printed.View the full article
    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
  • 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

Muffintop v mbna


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

Thread Locked

because no one has posted on it for the last 5131 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

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

  • Replies 465
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Dont think its royal mail.. isnt it ukmail post? so it'll be some kind of special scanning they do.

 

Did you delete your name off that posting on the barclaycard thread?

Tnx yes deleted off, Im a plonker.... yes its ukmail express parcels and mail, are they dedicated service?

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

OMG.........

Just had a nasty letter from mbna staying that

potential commencement of legal proceedings.

 

Basically if I dont pay within 7 days then I will get a county court judgement

or

my employer will have an attachment to earnings. ... that will go down as good as a bucket of cold sick and prob loose my job!

 

a bailiff

 

or best still a charge being put on our house

 

 

ARE THESE ALL EMPTY THREATS UNLESS THEY CAN PRODUCE A COPY OF THE ORIGINAL IN COURT?

 

"will get a County court judgement"

"will have an attatchment of earnings"

 

I think the courts might take a dim view of MBNA assuming they will win their case. Until a judge finds in their favour it is all wind and p*ss. (But then what else would you expect from MBNA?)

Link to post
Share on other sites

Just rang UKMAIL EXPRESS PARCELS AND MAIL THE PEOPLE WHO SEND MBNA'S SNOTTY LETTERS WHICH HAVE NO POSTAL MARK ON THEM AND SOME ORANGE/YELLOW LINES THAT LOOK LIKE A BARCODE ... BUT ISNT.

 

THEIR NUMBER IS 08451 552552 THEY CAN IDENTIFY WHEN THIS WAS POSTED I THINK BY THE LITTLE S WITH THE CODE ON THE TOP RIGHT OF THE ENVELOPE, THINK THEY MUST ALL BE DIFFERENT???

 

ANYHOWZ THEY ARE NOT OPEN UNTIL MONDAY NOW SO THIS MAY IDENTIFY DEFAULT NOTICES WHEN THEY ACTUALLY DID POST THEM OUT

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

HEHE UD i see ive got you watching the post numbers now

 

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.

Link to post
Share on other sites

Hi Muffintop

 

At the moment and in the time scale and manner they have stated these are empty threats in my experience of MBNA you start getting these type of letters before they pass to the DCA's.

 

I wouldnt stress too much there is nothing much they can do without first proving the debt in court.

 

Regards

 

B

__________________________________________

I came into this world with nothing and I still have most of it left.

__________________________________________

Link to post
Share on other sites

is that me with the 1,000 post?......OMG SO IT IS.... NO WONDER MY FINGERS ARE SO SORE

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

THANKYOU

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

Well Thank You UD its nice to get the blame for something lol

 

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.

Link to post
Share on other sites

Tnx yes deleted off, Im a plonker.... yes its ukmail express parcels and mail, are they dedicated service?

 

Yeah cheaper than royal mail hence why most of the credit card firms use them:)

 

I see you've already been told but defo not a proper default notice.

 

All the best

PmW

Link to post
Share on other sites

Very interesting info from PT on another thread - hope he won't mind me pasting it here, just in case anyone missed it:-)

 

let me expand slightly

 

The law as we all know requires a "A term stating the rate of any interest on the credit to be provided under the agreement"

 

So on the MBNA agreement it says £1000, £3000 & £5000 yes?

 

DOG. whats the thread and post number pse I need to track back on this. I thought however my MBNA microfiche thingy did say 500.00 credit limit.

http://i369.photobucket.com/albums/oo137/skeggs885/mbna/mbnasign2.jpg

http://i369.photobucket.com/albums/oo137/skeggs885/mbna/mbnasign1.jpg

 

can you take another look pse got me a bit confused.

Hi Muffintop!

So does that mean that when when i took out card though my credit limit was £1,500 at time the fact that by the end it was raised to just over £10,000 that the fact is if i can not find at interest rate for £10,000 listed there in the original ts and cs that MBNA have shot themselves in the foot?

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

Thanks UNDERDOG.

Was just going to post to say got a default notice yesteday dated march 16th.

 

IMPORTANT DEFAULT NOTIFICATION

You are in breach of the agreed terms and conditions and a decision has been made to place a restriction on your account. This means that you card(s) and credit card cheques cannot be used. If you have regular transactions such as Internet payments, you should use an alternative method of payment.

 

As your account is xxxx in arrears, failure to bring your account up to date will also result in the evendual termination of the agreement and the registration of a default at the cra. A default will register on your credit file for the next six years and any potential employer, car dealership or creditor who utilise the services of a credit bureau will be able to see the details of this information.

 

ITS NOT TOO LATE TO PREVENT THE TERMINATION OF YOUR AGREEMENT.

 

CALL now to make a debit card payment.

 

is this a default notice???????? nothin on my file from mbna yet, kept the envelope but there is not date or postage date on it, only some sort of bar code thing this doesnt say when it was sent and it wasnt sent recorded del to me either so how can i prove if this is valid or not?

Hi MT

I had two identical letters saying this a number of months ago!It is not a default notice!

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

I suppose they thought sending the same letter out twice would be twice as scary!:rolleyes:

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

Hi Sunflower,

I think it is your original credit limit that counts - and £1,500 isn't on the table, so you are in luck:)

Hi Underdog!

Thanks for help clearing my confusion about this issue up!:)

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

hiya guys,,,hope you are all well

 

ive not been on for much time over the weekend and still trying to get my thoughts right on this so if my own limits were 1500 for each of my mbna cards, they are now stuffed as the limits didnt include this on where the table of the aprs were,,,have i now got that right?

 

doh its almost impossible to remember everything everywhere,,i wish my brain would remember everything i read,,,lol

 

laters angel have a fun day

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

Link to post
Share on other sites

I have a real problem and need some quick advise..I have almost messed my credit file up with bcard and mbna who have not as yet put default on it but have put late markers on... due to them not adhering to the account being in dispute.. i need my credit rating so I have paid mercers today a payment of 90 for the month towards my arrears of around 800.00. they say this will stop negative entries on my file and I can still continue with my legal action ...HAVE I DONE THE WRONG THING? dont know what else to do as know I will need to have access to credit.:p really scared now and beg to wish I hadnt got into it

Edited by Muffintop

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

hiya muffintop

 

hey am so sorry to hear what you are now facing,,, know you have put your last post on this mbna so you have paid mercers whom are now chasing the mbna debt?

 

im not sure what the legal stance is in what you have done by making that payment

 

im sure others more experienced will come along

 

im here to give you moral support by the bucketloads,,,chin up and maybe now you will need to look at other option s too with what happens with your house and getting it sold?

 

laters angel chin up x

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

Link to post
Share on other sites

thankyou, i rang a solicitor dealing with ccas and they say that it shouldnt jeorparidse the case.. but i found i got more press if i didnt pay than if i did....

Edited by Muffintop

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

i dont know what to do, mbna want 500 to clear arrears then 34.9% interest rate. i dont think they have proper agreement and would fight in court but this stuffs up my credit rating in the meantime. however realisticlly i wont sell this house for maybe 1 year

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...