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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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My Cca From Mbna Please Look


ANDREAMOUR
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Andreamour, I'm taking a keen interest in your thread because I will be following your lead.

Now….to put your mind at ease. About a year ago I missed a couple of payments and on the third month paid what I thought was all the arrears back. Well I got it wrong by 3p and what do you think MBNA did? Yes, they sold to a DCA. I've kept the letter for my amusement.

Given the letters you've received they will never take you to court. IMHO don't bother taking them to court, just yet. Keep all the correspondence. They will thrash your credit file so you need to work along the lines of repairing you credit file. It might be worth looking for CRA letters to repair the damage they are about to do by disputing the dept.

Best frame of mind on how to treat MBNA.... A toy you never get tired off, because, it amuses you!!!

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Thanks bbb.. ( ;

 

I must be doing some thing right as i have just recieved a very suspicious message in my inbox....

I do believe we have a mole!!

Check this out......

 

hi, from what i have read it looks like mbna will be doing either of the following. 1)they will be taking you to court to obtain a county court judgement. if this happens you will receive a letter from the court which explains the process. if a judgement is made against you, you can fill out a form to explain your financial details and how much you can afford to pay. the court will then decide how much you can pay, they will do this by looking at your income and expenditure and will set an affordable monthly payable amount. by filling in the form to pay an affordable amount each month, this will put a stop to the judgement order being enforceable by a bailiff. or 2) mbna will sell the debt, once this happens, the debt will come in to the hands of another company who will start asking you to repay the money. what options do you have? 1) you can phone mbna tell them about your financial difficulties, ask them to stop any late payment fees and to stop the interest which is being added on and ask them to come to an arrangement to start making affordable monthly payments. 2) you can wait until a county court judgement is passed and you can ask the court to set an affordable monthly payment to pay off the debt. 3) you can argue that the credit agreement is not enforceable due to it being illegible. as mbna are disagreeing with you, you could only do this in court and would probably need some legal advice on how and when to argue your case. its best you try and deal with this as soon as possible as the more you leave it the more late payment fees and interest will be added.

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Hi Andreamour,

 

You should write to mbna and say they haven't complied with your s78 request because there are missing T&C. Specifically it is referencing condition 11, but the T&C they supplied only go up to 3b. The CCA 1974 is very explicit in this, they should provide:

 

78. Duty to give information to debtor under running-account credit agreement.

— (1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,— (a)

the state of the account, and

 

(b)

the amount, if any currently payable under the agreement by the debtor to the creditor, and

 

©

the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

 

As you can see they haven't complied with your s78 request and after 14 days it enters a defalt and they can't take any action on this account.

 

I did this recently with a dca that was chasing an mbna account and they returned it back to mbna.

 

Hope this helps

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Had this through earlier this week and today i had a post card from them stating they will be visiting me at home next week!

This is a bit worrying...

Are they allowed to come to my house?

Can i stop them from coming?

Does any 1 know?

 

whos name was on the postcard? was it brown or green? ive had a couple of them and they never turn up, shame really i'd love them to turn up at mine for tea and buiscuits.

 

 

EDIT NOTE:... The colour you chose for the first part of this post is extremely difficult to read, therefore I have changed it to black. Try to keep to dark colours.

Edited by Rooster-UK
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Lol it was a picture of a lilly pad in a pond....

And its from a guy called Noel Daly

I called the number to see who would answer

A lady answered saying "can i have your credit card number"

so i put the phone down..

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the postcards are sent tp scare you and if its like mine its says we will 'call' between blah blah. it means phone i think.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Mbna really do go all out to bamboozle you into paying...

Well Im going to write to them today an kindly ask them to stop calling and tell them that they must only contact me by letter they are getting annoying now!

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  • 3 weeks later...

Hi Andreamour

 

They are asking you for the full amount, not just arrears. It looks as if they are terminating the agreement at the same time as defaulting you.

 

Perhaps they are trying to save on postageicon10.gif

 

 

Alan

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Don't worry about it, let them take you to court. Its at their expense. Have MBNA complied with the law when you requested and paid for them to do so? Do you have the paper trail of facts at your disposal?

 

Then don't worry about it.

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Thanks cerberusalert

I think it came 1st class but not 100% sure.

They use their own postage contractor and i ripped the corner off the envelope with the date on and now cant find it. :mad:

Does it make a difference that they are demanding full amount?

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