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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • 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
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Mbna CCA,


Indebt1
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Hi Indebt1,

 

I have a cca from 1999 which I received from mbna which you can compare against.

 

Cannot get it loaded tonight though will have to be tomorrow.

 

As an aside, did you end up paying PPI. Notice on your application that there does not seem to be a tick in either of the boxes for PPI. I didn't tick either of them on mine and they started charging PPI which I am in the process of reclaiming.

 

Regards,

 

Bosun.

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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Hi,

 

Have not gone down the 'enforceable' route yet but believe it may be enforceable but saying that, as its only an application form and refers to terms & conditions in seperate documents which I didn't receive I may have a chance of fighting it.

 

You will know if you've been charged PPI if on your statements there is an entry entitled Payment Protection or as in my wives case, 'Other Interest'.

 

That last entry is going to put the cat amongst the proverbial.

Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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Please note: I have no formal qualifications in this area and any advice offered is given in good faith. :)

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http://i925.photobucket.com/albums/a...und/img001.jpg - it's so obviously a faked image. They haven't even attempted to make it seem as if these "photocopies" are geniune or that the prescribed terms really do belong to that document where they have placed them. Their arrogance is astounding.

 

Surely they must be breaking all sorts of laws with this. From other posts in the forums (can't cite the original as they are pasted into a large document I have), the following spring to mind.

 

Regulation 5 of the Consumer Protection from Unfair Trading Regulations 2008 (the CPRs) where the faked image would constitute an unfair or improper business practice.

 

Fraud Act 2006 Subsection 1(b) - the representation is made with the intention of making a gain or causing a loss or risk of loss to another.

 

I'm sure there are many others.

 

How can a company get away with such flagrant dishonesty with impunity? I'm surprised no-one has called them on this yet as some of this type of behaviour must be criminal rather than civil. It really makes my blood boil.

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Your MBNA application form isn't hugely differnt from mine - see http://www.consumeractiongroup.co.uk/forum/mbna/229916-mbna-virgin-dodgy-cca.html. Since yours is a year later, looks like yours is just a tidier version of mine.

 

I'm not convinced my original MBNA agreement is enforceable. Like yours the prescribed terms were photocopied onto the rear of the application form, but in my case it seems very unlikely they are actually directly related (wrong size, orientation, markers on different pages don't line up etc etc).

 

I have other factors at play with my card, but I've sent for a SAR just to get a better idea of what they really have. Maybe you could try the same if you haven't already done so.

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  • 6 months later...

Has anyone got any experience dealing with the the above company as far as settlements go?

they have sent a letter about how they are prepared they negotiate, is this a game or has anybody managed to settle?:)

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if they are offering a settlement that means something is wrong

typically they will have no CCA. and have brought the debt blind

you owe them nothing.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Guess what!

the directors of this company which btw is a non trading company since 08, also hold directorships in

MBNA EUROPE HOLDINGS LIMITED the biggest one being MBNA Europe bank with a turnover off

£2,610,504,000 thats on our misery, what a strange coincedence!!!
;)

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  • 4 months later...

have got a 40% settlement deal on the table from Aegis assuring me they or their client will no longer pursue the claim and will mark the credit file as patially settled.

i am sorley tempted but am curios about the following, has anybody managed to mark as settled or remove the default seeing as its an invalid default anyway?

has anybody renegotiated the percentage and managed to agree a figure?

how much do i go back with?

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hi mate i dealt with mbna about 8 months ago now and got them to settle on 30% on a 5k debt....i was also told a partial settlement and have had no contact with them since i paid the agreement however i have recently checked my credit rating and this debt has been marked satisfied. That is only my story and at the time i was in touch with someone on here who had a 16k debt settled with 28%. so far so good

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have got a 40% settlement deal on the table from Aegis assuring me they or their client will no longer pursue the claim and will mark the credit file as patially settled.

i am sorley tempted but am curios about the following, has anybody managed to mark as settled or remove the default seeing as its an invalid default anyway?

has anybody renegotiated the percentage and managed to agree a figure?

how much do i go back with?

If you want to counter offer what they have offered write back with a lower figure, head the letter WITHOUT PREJUDICE so it cant be used against you or wait it out until its sold to a DCA, then hit them with a CCA and sit back and offer a low F&F, if they cant comply or comply with agreement with no prescribed terms etc, but its what ever you feel is best.

 

If they sell it on to a DCA then they'll get between 6p and 15p in the £ for this debt and if no CCA there may be a good chance of a full and final with a DCA keen to get some profit for not a lot of work, its a risk tho that they might dig there heels in and demand more :?:

CAG NEEDS FUNDS PLEASE DONATE AS MUCH OR AS LITTLE WHERE POSSIBLE

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  • 3 years later...

Arrow global have now transferred the account to Rockwell who are starting to hound me.... how do i get them to back of? DO i CCA request from Rockwell or Arrow? or do i advise that the debt is unenforcable they know that already? try again for Settlement as MBNA rejected offer last time?

i havent made any payments since the default.

as always any help is most appreciated!

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