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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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MBNA again!


Camaro3
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Hi,

I have (or rather had) an MBNA credit card. About 3 years ago i started having trouble paying the monthly statements and got the usual penalty charges which i now want to claim back.

 

The thing is, MBNA never closed the account and passed it on as i did not default on the account. I still get monthly statements from them telling me that my "account facilities remain withdrawn" and i'm still paying interest on the outstanding balance. Can they do this? any advice would be appreciated.

 

James.

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Hi,

 

I hope somone can shed some light on my problem. I had an MBNA credit card, all went well until 4 years ago when i got into difficulties making payments. After months of harrassment by MBNA staff, i finally got back on track making payments.

My card was returned to MBNA and on my statement it now says "account facilities withdrawn". The question i've got is can they still charge interest on the outstanding balance even though i don't use my card? I'm going to try to recover late charges etc and would be grateful for any advice.

 

Cheers.

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Camaro, when i was reclaiming my OH's charges, i argued that the account was in dispute. In the end they agreed to refund the charges onto the acc. A small balance was left over which we agreed to pay on the condition that charges and interest added since the dispute had began were cleared as well.

 

We had also made a request for the agreement too, which they did not have. We did not make a fuss about this, but obviously they were aware they hadn't got one and hadn't complied with our request.

 

You just have to keep at these people. I found e-mailing lots of people at the same time eventually got their attention :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 8 months later...

I have, or rather had an MBNA credit card, and a couple of years ago got into repayment difficulties. This resulted in my account facilities being withdrawn. I am currently paying back MBNA (who are still charging intrest every month). I made a payment in June as usual and when my June statement came the payment was not recorded on it. I checked with my bank who confirmed that the payment (by debit card) had gone to MBNA but MBNA say they cannot find the payment.

 

Whether it is a coincidance or not i have not received a statement this month and after phoning MBNA i still cannot find out what has happened to the June payment. They have told me that they have applied late payment charges and interest on the missing payment (these will be deducted when they find the payment- i don't think so!) and are investigating where the money has gone which will take weeks.

 

Can anyone give me some advise on what i can do?

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Firstly, i wouldn't discuss anything on the 'phone unless you can record conversations.

 

If you can't keep it in writing and send everything recorded / special delivery. This will be evidence in your negotiations with them and any external authority you may need to complain to later down the line.

 

There are a few options:

 

1. Firstly i would write and ask for a copy of their complaints procedure.

 

When you receive it put in writing your issue with the lost payment and the addition of charges.

Enclose evidence of the card payment. Request the charges are refunded to your account.

 

2. In addition to this, you could, under seperate cover send a Consumer Credit Agreement Request.

Without a properly executed agreement, MBNA would not be able to enforce this debt. The ball would then be in your court as to how you manage the account.

 

3. Instead of or after no. 2, you could send a Subject Access Request if there have been a lot of charges added to the account. You can then reclaim these as credit cards and loans are not affected by the test case.

 

When you have decided what option to take let me know and i can post up links for template letters for the suggestions in nos 2 & 3.

 

Also, if you have having issues with telephone calls there is a letter to tell them to stop harrassing you.

 

Shout when you're ready.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

Just a little update, i have written to MBNA asking for explanation of missing payment and also copy of original signed agreement. Nothing returned so far except this month's statement. There is no sign of the missing payment and i have been charged for late payment again. The statement tells me to make an immediate (inflated!) payment by phone.

Do i bother to ring them or wait 'til they contact me?

 

Thanks,

James

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You must keep everything in writing so that you have evidence for any complaints you may make.

 

Did you write to ask for a copy of their complaints procedure? If not do this - have a look at my 1st post, point 1. Within that complaint you can include the unfair charges. You need to make sure you follow their formal complaints procedure. Once you have exhausted this, if you are not happy with the outcome, you can make a complaint to other authorities.

 

Also, did you use the CA template from this site, include a £1 postal order and send recorded or special delivery?

 

There, that's question time over.

 

For now ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Thanks for the swift reply again hopeful1. What i should have asked is what do i do about the increased payment demands, do i withhold any payment to MBNA or carry on making increased payments untill the matter is solved either way?

 

Thanks

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Thanks for the swift reply again hopeful1. What i should have asked is what do i do about the increased payment demands, do i withhold any payment to MBNA or carry on making increased payments untill the matter is solved either way?

 

Thanks

 

Whether or not you withhold payments has to be your call. For the time being i would continue with the payment you can afford and ignore their demands.

 

If you have sent the formal CCA request with the £1, then the legal time they have to comply is:

 

12+2 working days - if they have not complied they are in default and you are legally entitled to withhold payment.

 

after an additional 30 days -normal calendar month - they are in default and would have to go to court to enforce the debt IF they found an agreement after that time.

 

Obviously, if you withhold payment, even if they haven't provided an agreement, they will bombard you with junk mail, the bottom line is they want your money! So be prepared!!

 

Doing battle isn't easy, but if you keep reading around the forum it will give you more knowledge. In my experience knowledge is power ;)

 

I am going to find some links for you to read that may be helpful.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Morning all, just a little update. After my last post i have received a letter from Aegis BPO regarding a missing payment (ha!), they tell me that MBNA say i am a good client, will see the error of my ways and pay up immediately. I ignored the letter (although i've kept it) and, last night received a phone call from Aegis. I told them to go back to MBNA and check their records and then put the phone down.

Anyone heard of this company?

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Morning all, just a little update. After my last post i have received a letter from Aegis BPO regarding a missing payment (ha!), they tell me that MBNA say i am a good client, will see the error of my ways and pay up immediately. I ignored the letter (although i've kept it) and, last night received a phone call from Aegis. I told them to go back to MBNA and check their records and then put the phone down.

Anyone heard of this company?

 

I've never heard of them. I've done a quick search and can only see references to call centres not debt collection.

 

You are right to ignore them. Just deal with MBNA.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

Hi,

i'm now counting down 'till the time for the CCA runs out. I had another letter plus 3 phone calls from Aegis demanding payment. Whilst at work received a phone call from MBNA themselves. To cut a long story short, they have found the payment and will apply it to my account removing all charges etc. I asked them to send everything in writing and pointed out that i was not impressed with the harrassment over the last two months.

To which they have offered me a £25 good will payment (ha!), i declined, took names and will write to complaints department.

 

Cheers,

 

James

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Hi,

i'm now counting down 'till the time for the CCA runs out. I had another letter plus 3 phone calls from Aegis demanding payment. Whilst at work received a phone call from MBNA themselves. To cut a long story short, they have found the payment and will apply it to my account removing all charges etc. I asked them to send everything in writing and pointed out that i was not impressed with the harrassment over the last two months.

To which they have offered me a £25 good will payment (ha!), i declined, took names and will write to complaints department.

 

Cheers,

 

James

 

Well done, James. Just make sure they do what they've promised.

 

If they have put negative info on your file as a result of THEIR mistakes, then you will certainly need to start the complaints process again to get it all removed.

 

Also, i'd forgotten that under new legislation, you only need to wait 12+2 days for CA requests:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147392-cca-dcas-unfair-commercial-7.html#post1636235

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I'm getting impatient now, have paid this months min payment. Spoke to MBNA by to make said payment, they have altered my balance but not by the amount i expected and my minimum payment seems high. I will now send another complaint letter to Chester Towers!

 

As a thought, does anyone know where i can download a copy of terms and conditions? I need to have a look at these because i'm sure there must be something regarding harrassment or passing my details on when they have already received payment. By the way, still no appology letter,(as if i expected one!!!).

 

Thanks,

 

James

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Imatient and annoyed!, i went home at lunch time and suprise, suprise, another letter dropped through my letter box from Aegis BPO. Despite my statement and their previous letters, my account is still in arrears and they want an immediate payment. We will wait for the phone call later (i feel a rant coming on).

 

Cheers

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Well, the 12 + 2 days are up tomorrow and no reply to the CCA. Just received this months statement with adjustments which i'm sure are still wrong. I have received a letter today from the complaints department who have said they will look into the complaint and reply by October 10th.

 

I've no faith in MBNA (Who has?) and am resigned to a long war!!

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It's Saturday and the 12 + 2 days are up and still no CCA. I have received a reply from the complaints department which i will try to upload later for viewing.

I've now got two questions:

(1). Do i send a non-complience letter and withold payment?

(2). The letter from the complaints dept. is far from satisfactory, they have told me that this letter is a final response and that they will not look at any other communication (usual spiel). They have told me to go to the Financial Ombudsman if i am not satisfied (which i'm not). Do i have to go through this process before threatening legal action against MBNA?

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Hi Camaro

 

Sorry, i've not been around much this last week or so.

 

If MBNA have said that is their final response i would indeed compile a complaint for the ombudsman.

 

Include copies of correspondence and logs of 'phone calls.

 

You complaint should include the 'missing' payment and the fact that MBNA have not complied with your CCA request, therefore they should not have passed the account to a 3rd party (especially as the account is in dispute anyway). Despite all this you have endeavoured to come to an agreement with regards to repayments. You would like to see the refund of all charges plus interest and that MBNA cease to continue adding interest and charges.

 

Obviously you are entitled to withhold payment but i always try to box clever. FOS etc, in my experience, are far more responsive if they do not feel you are simply trying to avoid debt which is obviously not what you are doing. I always try to make the creditor look as unreasonable as possible and myself very angelic (i can get away with it on paper :D).

 

As for Aegis, write and tell the account is now being dealt with by FOS and that you felt it was only fair to let them know that all correspondence they send you will be forwarded to FOS and added to your complaint. Usually i am met with resounding silence when i do this :p

 

Also, look at the link in my reply at post 8. You only need to wait 12 days under the new directives. It may be worth adding some of that info to your complaint too as it is law not just guidance.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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1. It's up to you, but MBNA know the law (or at least they should!) so you don't need to remind them. If you chase, the chances are they'll have a really good look and might find your agreement. If you don't chase, they're just digging themselves into a bigger hole with every day that passes. You are entitled to withold payment until they send the agreement, again it's up to you whether you do or not.

2. If you want to complain to the FOS, there's a guide here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html. It's aimed at complaints about DCAs, but can be adapted to suit. Be aware that it's currently taking at least 6 months for anyone to even look at your complaint. You don't have to go through the FOS before taking legal action, but you would need to send a 'letter before action' to MBNA clearly identifying exactly what you would be claiming and why. You would also need to give a time limit, 14 days would be reasonable, for them to reply.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi RMW was going to look for that link!

 

Also, Camaro, here's the other link i said i'd post up:

The Consumer Protection from Unfair Trading Regulations 2008 No.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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