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    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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Mbna CCA,


Indebt1
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i would be interested in peoples comments because it looks bog standard, i have had one but it's always after a one off payment. every phone seems to be requesting just a quick £20 payment then we can discuss things but i get the feeling next month will be the same one off payment needed. its like they are on commision.

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

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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that 01244 number is the bully boys who ring (just noticed it) they are a company who ring and bully people to get a one off payment my OH had them and i looked up the number and found lots of complaints about them. not sure if they are part of MBNA or an off shoot but if you ring you will get hassled non stop for 20 quid or so and as far as i know they can't agree to anything. be wary. anybody else got any comments on these characters.

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

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Suddenly got the agreement through from MBNA so obviously all a stalling tactic up till today while they search, could any1 advise if this looks like an enforcable agreement?

2mocr60.jpg

Edited by Indebt1
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I think it probably is enforceable (at least by a court). The bit in post #29 contains the prescribed terms and I think is the back of the aplication form in post #28 which has your signature. IN that case, it has the bare minimum required by s127(3) of the CCA 1974 for a court to enforce it.

 

 

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oh crap, not what i wanted to hear. how can i know for certain?

how about if the surname printed on the top has a spelling error and differs from my name printed on the bottom? clutching at straws here.:(

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Their letter post 23 is just to get to you call then pay, then agree to pay more. It's not a genuine offer of settlement.

 

I go along with Steven sorry to say in that post 28/29 are probably going to pass in Court especially if it's a 'i hate debtors' Judge, which lets face it, most of them are like.

 

Again i suspect minor spelling errors would not be seen as fatal to the agreement by a Judge.

 

Sorry i can't be more positive.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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How can i get them to freeze interest while i try and pay it off?

 

That's a difficult task as i have found out. My first thought would be to try Payplan. Haven't used them myself but heard mostly good things about them. If they can arrange a payment plan for you i would stipulate that you can only consider it if interest and charges are frozen and see if they can sort it on your behalf.

 

What about the unlawful charges aspect? Have you calculated those, reclaimed them etc. That might make a dent in the overall amount.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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how would you suggest that i do this, via sar? they havent actually called me since sending the docs out i am almost afraid to rock the boat, but i guess i am being a tad naive if i think they are going to leave me alone:).

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No sars.. Payplan are debt management:

 

Debt Management Plans | Debt Advice | Payplan

 

or

 

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Yes i have felt like that but they never do go away. At least if you can come to some arrangement you will feel you are getting somewhere and that in itself can take a weight off.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Oh i see what you mean.. SAR to tackle the charges aspect. Yes SAr to get all the statements with a view to adding up all the charges they have hit you with.. there's lots of info here on reclaiming charges.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 4 weeks later...

What about a call explaining that i am in severe financial difficulty, but i hav someone who has agreed to help reduce the debt (mother).

so say i owe 7k.

my offer is freeze the interest and i would offer to repay 5k over 12 months with the rest written of or my other option at this stage is IVA would that be a threat? or a good offer at this moment in time?

do i endanger anything by trying?

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My advice for what it is worth, having had a CCA back from MBNA which would appear to be enforceable would be to stick with the legibility issue ( I note MBNA in their reply state "the copy is not very clear" ) along the lines of the letter below. Persist with this line of attack, do not speak to them on the phone. Eventually you will get an offer of reduced settlement of about 60% off, ignore that and then comes the 65% off. Accept their offer if that is what you want to do at this stage. Probably your best outcome this side of it going to court.

 

MBNA,

PO Box 1004,

Chester Business Park,

Chester,

CH4 9WW

Dear Sir/Madam,

Re Account: xxxx xxxx xxxx xxxx

Reminder for request for copy of alleged credit agreement under Section 78 of the Consumer Credit Act 1974

 

I wrote to you recently requesting a true copy of any alleged signed, executed credit agreement in relation to the above account.

I note your response to this request in your reply dated xxx and received by myself on the xxx. Thus far I have only received what can only be described as poor copies of an alleged agreement in which parts of the larger print and the smaller print are impossible to read.

 

In support of this I draw your attention to the following:

 

The copy of the agreement you have sent does not comply with the requirements regarding "legibility" under the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983, which state:

 

2 Legibility of notices and copy documents and wording of prescribed Forms

 

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the

 

Therefore I would assert that this means that you are currently still in default of my request and whilst your default continues, you are not entitled to enforce any part of this alleged agreement.

 

This includes, but is not limited to, the following:

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

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

You may not pass this alleged account to any third party.

You may not register any information in respect of this alleged account with any of the credit reference agencies.

You may not issue a default notice related to this account.

Please also note that to register information with the credit reference agencies, or to issue a default notice, would also be in breach of Section 13.6 of The Banking Code, which stipulates that you can only register such information if the amount owed is not in dispute.

You have a calendar month from receipt of this letter to rectify your default. Therefore, I must receive fully readable copies of the document I have requested by xxx. Failure to meet this deadline will be reported to the relevant authorities. If you do not have any fully legible copy of this signed agreement in relation to this account, please confirm this in writing.

 

I will be making no further payments to this account until this matter is resolved to my satisfaction. It would be a breach of the Administration of Justice Act 1970 for you to continue to take any action against this account whilst this default remains.

 

Please conduct all communication with me regarding this account in writing only.

 

I look forward to your swift response.

 

Yours faithfully,

Indebt1

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  • 2 weeks later...

HI Griffin

thx for that

had a call from them and although i refused to pass security she did ask if i had the cca that they had sent i said i did but i had not recieved a reply to the above therefore untill i do please do not contact.

she insisted on knowing who was advising me if it was a company or a lawyer that she could contact, i refused to be drawn into this conversation and asked that any thing she wants to know must be sent in writing!

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