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    • I don't think they even deserve a reply...    We do have a solid case don't we?? Even though mum corgot the pop that time??
    • To start, my address both on my logbook and with the DVLA are correct.  The first I knew of the bus lane fine was when a woman on another floor in my building posted a photo of a letter addressed to me but with her address on it, on the building's facebook group. I obviously recognised my name so contacted her. She said she'd been receiving these letters for me for months but only asked in the group if anyone knew me when the bailiffs were at her door.  I contacted the debt collection agency and Manchester Council and was told to appeal. So I did and explained what happened said I was more than willing to pay the original fine but its now at over £400 and I would have paid straight away if the letters had gone to the correct address. Months have passed and I have just been told (with no reason) that my appeal was unsuccessful and I need to pay the full amount.  Any help would be appreciated! It just seems so unfair!
    • Exactly right Bank!  I had an email this morning from HM Courts and Tribunals Service Civil Money Claims: Dear Mr xxxx Claim number: 527MCxxx Parcel2Go.com has been given an extra 14 days to respond to your claim. They need to respond to your claim before 4pm on 4 June 2024.  Anyone would think you've been through this before!
    • OK, understood. The second decision to make, given PE are wobbling, would be whether to reply to them (well after 8 May to show you're not scared of them), ridicule their offer which is no offer at all, and ask them to make a serious attempt to settle.  You never know, they might offer a few quid as an out-of.court settlement and it might save your mum having to do court. Just an idea.  Something to consider.
    • If we are sure we have a valid case, she's ready to go to court. Her sister is going with to help with her hearing difficulties,  so we might as well see it through!!  
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Me against them v's Abbey Credit Card


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CCA arrived today! The covering letter states;

 

In accordance with section 78 of the Consumer Credit Act 1974, we enclose a copy of the credit card agreement (original and current) including applicable terms and conditions, and your most recent statement of account.

 

We appreciate the copy of the original agreement is not very clear but it is the best copy we can provide. For the avoidance of any doubt, all of the necessary and prescribed are included in the credit agreement and in addition we have also provided you with.

 

If anything needs clarifying please call.... blah...blah...blah :rolleyes:

This looks very strange to me! This is the bottom third of a form and the second side looks like copy and paste job! If you look carefully in the botton left hand corner you can see the top edge of some text that they have chopped. Also non of the codes match each other.

 

Another thing is that there is not any mention of is the PPI they miss-sold to me!

 

Any opinions welcome! thanks in advance! :)

 

CCA1-1.jpg

 

CCA2-1.jpg

 

I've blew it up a bit but its still really unclear.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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After viewing this CCA with Windows Photo Viewer with the zoom tool I think this is a fraud. It has several parts that have been copied and pasted to produce a CCA that looks authentic. I have compared it to another Caggers CCA (see link below) that is very similar to mine and the paragraph's and signatures boxes are not in line with each other. Looks very dodgy!

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/197919-abbey-credit-card-cca.html

 

Maybe I should send the letter Pinky69 suggested in post 5 from the link above.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 3 weeks later...

SAR Sent today FYI

Edited by Me against them!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 2 weeks later...

Recieved a response letter to my SAR today. My SAR letter was returned along with the £10 postal order due to so called security reason!:mad:

 

Their letter stated "we require you to provide a form of positive identification (an example of acceptable identification would be a copy of a driving licence or passport which includes the cardholders signature). Although statement information has been sent to you at your address a current posatl address is not an adequate form of identification. Due to the amount of personal information MBNA will be sending in the Subject Access Request, including bank details, security information, places and dates of birth, we require extra identification from our customer.

 

I don't really want to provide them with such information if I can help it! Is they required to supply me with the requested information without this I.D?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Dear Sir,

 

You have stipulated that you require proof of my identity/signature before you comply with my SAR, may I bring the following to your attention;

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

 

Suffice to say that if the Information Commissioners Office are satisfied that if you have previously corresponded with me at this address then it is reasonable that I am the person I say I am, therefore there is no leglislation nor guidelines that you can hide behind in an attempt to avoid fullfilling my legal request,

 

Yours,

Print name do not sign.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/checklist_for_handling_requests_for_personal_information.pdf

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=8861&d=1242456802

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Should I include my oringal SAR and £10 fee, along with a copy of their letter?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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I also recieved a letter from MBNA showing the balance on both my Abbey & MBNA credit cards. The Letter states "At least one of your accounts issued by MBNA (or issued by MBNA on behalf of an affinity partner) has been scheduled to be written-off as a bad debt next month."

 

also...

 

"If we do not receive a payment or you do not contact us by 16th June 2009, we may employ a collection agency or sell this debt after it has been written-off. "

 

Hopefully they will mess up the default notice, I will be keeping the envelope this time!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 3 weeks later...

MBNA have again responded to my SAR letter by stating I must call them to answer telephone security questions if I will not provide them with copies of my identification.

 

Idiots..they can send me pointless letters and demands to my address, but not information about myself!:mad:

 

Is there a way to make them send this information...also they have kept my £10 postal order!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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Can anyone advise me of how to get MBNA/Abbey to send me my information?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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You could suggest that you pick them up personally at an Abbey branch where you will prove your identity.

 

If they still fail to comply you can then make a complaint to the Information Commissioners Office who have the power to make them comply.

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  • 4 weeks later...

Still know sign of my Subject Access Request which was posted on the 2ndh June, over the specified 40 day period. Is there need to send a follow up letter highlighting there non-compliance?

 

I sent them a letter asking them to send the information to my nearest branch and inform me of when I could pick them up. i have not received a response to tha letter either (sent 8 July).

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 4 weeks later...

Finally my DN has arrived today. MBNA say I have to pay the full outstanding balance to remedy before the 29th August!

 

I thought it was only the amount of over your limit or your arrears; which ever is greater. Not the Full ballance!

 

They say "You have repeatedly broken your agreement with us by failing to make your minimum payments. Paragraph 8f of you CCA provides that, subject to sending you any notice required, you must pay the whole balance if you repeatedly break this agreement and fail to sort out the matter. A stop has been placed on your card and a defualt has now been registered against this account at the CRA's."

 

Can anyone confirm that this DN is dodgy so to speak! Thanks.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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  • 1 month later...

Still no sign of the SAR document, I have asked for them to be made available at my local branch so I can show them ID and collect in person. There was no response to my letter.

 

Also the account has now been passed to Lowell.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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By complaining to the ICO, is this likely to get Abbey/MBNA to provide me with the documentation?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

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