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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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MBNA & Abbey cc, full and final settlement advice.


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Ok... Have received an email reply offering me a settlement:

 

"I have spoken to the Director with regards to your accounts, and the lowest amount that we are prepared to accept as a short settlement is £5500.00 across both of your accounts.

This would need to be paid as follows:

Account ending XXXX would need a debt/credit card payment of £135.12 to be paid by the 28th August at the latest, and the remainder of £2188.27 to be sent by Cheque immediately.

Account ending XXXX would need a debt/credit card payment of £139.68 to be paid by the 28th August at the latest and the remainder of £3036.93 to be sent by Cheque immediately.

On the basis that this goes ahead we will register a partial settlement with the Credit Reference agencies for six years and you will no longer be liable to pay the remainder of the balance. Neither MBNA EBL nor any of its subsidiary companies or collection agents will ever pursue you for the remaining balance."

 

I can only afford to offer £4100 and that's what I'm borrowing from my partner. And there is no way I can magic up the extra £1400 in 3days. Not sure how next to proceed. Even if I didn't pay any rent or bills this month and didn't eat my salary wouldn't cover the extra. That's more than I get paid!

 

Any ideas???! :eek:

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tell them what you can afford, going through something similar myself and in the process of telling them i can only afford a certain amount. my view is your desperate as am i to get something sorted so you think you can get 20% at a stretch they ask for 40% so you start thinking of borrowing more or using another credit card (if you have one) but at the end of the day you don't want to get yourself in the same position. Offer what you can if they don't except you've got a great chance with the debt collection agencies to do the same (as i have been told on many occasions) just calm down and make a rational decision they know this is an olive branch for most people, a way to get out of the hole they are in. sorry for rambling (had a beer) but make a decision which suits not just whats available.:)

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

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Hi Talbot. Thanks for your input. I'll give that a go. What I have offered is all I can afford. The only other option is to say I can give them a bit more (not what they are asking but a bit more), but only if it's stretched over a few months...

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up to you but like i keep telling my OH offering a bit more won't change their decision i.e. not accepting 20% but accepting 23%. They have a set timeline in my opinion and when it gets to a certain time 6 months and ready to sell on they chance their arm in a lot of cases but i have seen partials as low as 15% on here. What percentage are they asking for?

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

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Hi Talbot, they're asking for 34% so I guess there is room to haggle. They've given me until Friday to decide and to get the funds to them which isn't very long considering it's Wednesday!

 

I've gone back and offered them 28%. My first offer was 25% so we'll see.

 

Fingers crossed!

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Thank the lord. We've reached an agreement of £4500. A little more than I hoped but at least I can draw a line under the whole saga within two months.

 

Have to pay £135.12 & £139.68 on the 28th of Aug and then the outstanding within 60days.

 

Have also had confirmation that I won't be chased for the remaining debt by them or a third party.

 

Thanks god and thank you all for your help advice and support. Now I hope to be able to give something back.

 

If I wasn't so skint I'd buy you all a drink! ;)

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Well done kb_ba1 - so pleased you have got a result you are happy with:D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Thanks Jim and Landy. I'll follow your progress with interest.

 

Good luck to you all. I'm sure you'll get there eventually. Keep up the fight and don't let our friends at MBNA win.

 

x

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