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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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Mbna


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Hi Ang

 

Good luck. If you are writing to MBNA they tend to have their own rules. Keep us informed of what response, if any you get :)

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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All quiet on the Capricorn front, nothing from either MBNA or RMA. The calm before the storm perhaps? Or maybe scouring every corner of MBNA towers to find my agreement.

 

Off on my jollies next week, so Gail Powell if you are checking my thread, or Martin the less than 'Supple', Customer Assistance prat, think of me sipping a g and T in the sunshine. :D PS, it was paid for by the father in law and not on the credit card.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Ang

 

Good luck. If you are writing to MBNA they tend to have their own rules. Keep us informed of what response, if any you get :)

 

I sent 3rd reminder ohh and cheque today so will prob count the 12+2 from today as they are going to say they did not receive £10 fee.

Although they have not agreed that £10 will suffice they wanted £4.00 per statement lol.(jokers):shock:

 

Im really not worried now hubby had basic MBNA CC and totally out the blue he received a platinum card for special customers, there was no paper work to complete or return (only regret is he used it i spose):rolleyes: so I cant wait for them to produce signed agreement

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I sent 3rd reminder ohh and cheque today so will prob count the 12+2 from today as they are going to say they did not receive £10 fee.

Although they have not agreed that £10 will suffice they wanted £4.00 per statement lol.(jokers):shock:

 

Im really not worried now hubby had basic MBNA CC and totally out the blue he received a platinum card for special customers, there was no paper work to complete or return (only regret is he used it i spose):rolleyes: so I cant wait for them to produce signed agreement

 

dont forget to count working days not calendar days!

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unfortunately its like that. But if I am not mistaken thats where the CCA steps in with the credit limit and APR. I am assuming that the new platinum card came with a higher credit limit.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I sent 3rd reminder ohh and cheque today so will prob count the 12+2 from today as they are going to say they did not receive £10 fee.

Although they have not agreed that £10 will suffice they wanted £4.00 per statement lol.(jokers):shock:

 

Im really not worried now hubby had basic MBNA CC and totally out the blue he received a platinum card for special customers, there was no paper work to complete or return (only regret is he used it i spose):rolleyes: so I cant wait for them to produce signed agreement

 

Was this for the SAR or CCA? The SAR is 40 calendar days, the CCA is 12+2 working days......

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unfortunately its like that. But if I am not mistaken thats where the CCA steps in with the credit limit and APR. I am assuming that the new platinum card came with a higher credit limit.

 

Hi Capricorn

 

Yeah it sure was 1st card £1300 limit second £3000. Can only sit it out now and wait so frustrating though. Hope you coping ok with your worries though keep me updated please :)

 

 

Ang

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My platinum has a limit of 14K :eek:

 

but as yet MBNA cant find the CCA, and I fear they have run out of ink to put together a replacement one on their John Bull home printing set :D

 

Every night now is exciting waiting to see if Martin or Gail are going to say hi from MBNA towers, or even C Brown or R White from RMA, although I think if the later he has a problem sleeping!!!!! ;) (I'm a secret lemonade drinker, trying to give it up but its one of those nights........ R Whites).

 

 

I must truly lay of the gin!!!!

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Capricorn, we same birth sign so maybe thats why we think along same lines lol.

 

Anyway im praying we got it right in our minds as it was the summer of 1995 :). Im sure we have, we have discussed it at some length deffo card just appeared in post.

Lets see wha they come up with, only point worrying me is if we hear nothing assume they have nothing are they allowed to turn up in court with signed CCA.

 

 

 

Ang

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are they allowed to turn up in court with signed CCA.

 

Yes, they can and they have to. If you follow the advice on here and use CPR before the hearing, and if the case goes to court, you will also get to see it before it comes before the District Judge.

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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Or they turn up in court as they did with me with an unsigned blank application form and unsigned blank "credit agreement" and find their summary judgement dismissed!

 

That made me :) on a Friday morning

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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Yes - but if it went to court, you can request copies of all documents they are going to use through a CPR 31.14 request. This is when they should send you the agreement, should it exist.

 

They use the loophole in the CCA1974 that states they can omit details like signatures all the time. My argument is - if they have the original one, why not send you a copy of it? Saves time and hassle for both parties.....

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True - if they state they no longer have the CCA, and this is in writing, then no Judge would be impressed. It's only if they use the loophole they so love that they would get away with it. However, if they still fail to produce if it got to the stage of CPR 31.14, THEN turned up at court with it - well that would be very naughty indeed!!

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Then you can put it into dispute - you can send a letter to them. I haven't got the template saved on the PC I am using at the minute - but once that day comes, post on here and I will receive notification by email. I will then post up the letter you need :)

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Hi Ang

 

The in dispute letter is as follows:

 

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On the DATE I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

On DATE a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents. These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the DATE I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you enter into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(4) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled, while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 21 days I expect that this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I will be reporting your actions to any such regulatory authorities as I see fitI look forward to hearing from you.

 

Yours faithfully

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Tonights update:

 

All quiet from MBNA and RMA. I'm sure they must be plotting something.. I can feel it!!!!;)

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Tonights update:

 

All quiet from MBNA and RMA. I'm sure they must be plotting something.. I can feel it!!!!;)

 

 

I know that feeling:rolleyes: im sure we keeping them busy though:-)

Can only sit and wait, its so frustating!

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