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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
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    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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All MBNA Caggers Fight Against MBNA's underhand tactics


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Too busy with MPs and their expenses at the moment. Might be a good idea to postpone the coach trip until this has died down:D

 

Ok. We'll dispense with the coach trip for now - who's still up for the alcohol and sausage rolls?:D

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Use cream horns, that way you'll look really mean on the way up, but once we're done we can all have a lovely cake to celebrate:D

 

Edit - this would also work if anyone's thinking of arriving on horseback; we can just pretend they're unicorns:D

Time flies like an arrow...

Fruit flies like a banana.

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Use cream horns, that way you'll look really mean on the way up, but once we're done we can all have a lovely cake to celebrate:D

 

Edit - this would also work if anyone's thinking of arriving on horseback; we can just pretend they're unicorns:D

 

:lol::lol::lol: Would have to watch out for birds, though. Think Tippi Hedren (from Hitchcock's The Birds) on a motorcycle...

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You guys crack me up:D

 

Read all this thread, nice bunch of Caggers here!

 

But back to serious issues ... can we start some action going on securitisation? I'm very interested, if there was a way to get the balance sheet for all the last few years to check ... or any other way. I read around and MBNA looks to be the highest securitised bank when it comes to credit cards. This is what I googled:

 

"SECURITIZATION & MBNA’S INTEREST ONLY STRIP RECEIVABLE

38. Securitization is MBNA’s primary funding mechanism for all

loans, with 80% of managed loans and 90% of domestic credit card loans, securitized as of September 30, 2004."

 

Also:

 

"An equitable assignment is one where the originator purposely

fails to give notice of the transfer to the underlying debtors. This is usually done because the originator would not want such debtors to know about the securitisation since it wants to maintain the contractual relationship it has with its borrowers without exposing them to complicated arrangements which the originator seeks to benefit from.

Notwithstanding this motive, failing to give notice of the transfer is

disadvantageous from a litigation perspective in that should the SPV wish to bring an action against the underlying borrowers it would need to join the originator as party against the borrowers. In essence, the SPV has no locus standi against the borrowers because there is no contract between the underlying borrowers and the SPV (Standard and Poor’s, 1993i)."

 

It seems that MBNA only retains the rights to 'service accounts' - these accounts are separated from the receivables (a.k.a. debts) which the SPV has bought. If we could establish this somehow ... there must be a paper trail, for tax purposes, VAT purposes, that exposes them.

 

Under law how do we put the onus on them to prove they have / have not securitised our particular debt?

 

Is there any mileage in working out who we are paying ... does this show up on our bank statements?

 

I'm itching to get this securitisation thing sorted, because it could have far reaching implications. The whole basis of the credit boom was securitisation, and now in some circles it is also seen as a way to solve the credit crunch:eek: so if we can crack this we are really giving them grief.

 

Any takers?

 

Red.

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But back to serious issues ... can we start some action going on securitisation? I'm very interested, if there was a way to get the balance sheet for all the last few years to check ... or any other way. I read around and MBNA looks to be the highest securitised bank when it comes to credit cards. This is what I googled:

 

Red.

 

Red, go back to this post and read the 20-30 posts after it... it seems to have petered out I'm afraid tho after an initial flood of posts :-(

 

http://www.consumeractiongroup.co.uk/forum/mbna/184041-all-mbna-caggers-fight-24.html#post2069915

 

S.

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Hi All I have been reading some of the latests posts regarding the underhanded MBNA and would like to ask if a mod can direct me to where I can find some answeres with miss sold MBNA payment protection insurance.

I have already sent data protection act SAR to MBNA registered post but had no reply yet and the time is running out for them.They where deemed in reciving my letter 27th April occording to post master. What letter do I send to them if they do not reply?

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The Unicorn; almost as rare as an undoctored MBNA agreement;)

 

Hi All I have been reading some of the latests posts regarding the underhanded MBNA and would like to ask if a mod can direct me to where I can find some answeres with miss sold MBNA payment protection insurance.

I have already sent data protection act SAR to MBNA registered post but had no reply yet and the time is running out for them.They where deemed in reciving my letter 27th April occording to post master. What letter do I send to them if they do not reply?

 

Heres the link for the non - compliance letter.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

 

There is a whole forum regarding mis sold PP here

 

and loads of links and information on mis sold PPI here

 

HTH

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