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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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AK Claimform - MBNA card 'debt'


MeeBroke
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Thanks for this Vic but not sure that legislation applies to my situation (or actually what it means)? Do you think it does or could you help me understand it a bit?

 

Thanks

MB

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Hi MB

 

I take it to mean that if a DCA demands that payment be be made to them rather than the OC then somebody (either they or the OC) needs to provide notice of assignment and in so doing they assume responsibility for consumer rights compliance (including CCA) which would extend to lawyer goons acting on their behalf; this applies whether they have bought the debt (which was always the case) or are merely collecting it.

 

Now, I have yet to encounter a collecting DCA who will comply with the European Credit Directive (which is UK law). I should state that I am in a minority of one or two (if Tingy is extant) in advocating this. I hasten to add that I would not ask such a question if I believed that said DCA had actually bought the debt because a quite different game plan would apply.

 

x

 

v

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Hi Meebroke,

 

I have only had one LBA and I knew it was not an idle threat, there is (and should be) a major difference so that you will know they mean business IMO.

 

I don't think many people scan their letters on here now because of the concerns over the identity issue so it isn't always easy to decide whether the letter is an idle threat.

 

Hopefully someone will advise that has has a similar letter

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  • 3 weeks later...

Just a quick update to say I've heard nothing again from Experto for a while. We've actually had to change our landline number, which is depressingly hard to believe.

 

So far, getting involved with Virgin (who it turned out was MBNA) has destroyed our credit rating and now caused us to change our phone number which we've had for 13 years- all because we had the nerve to ask how it was possible they could treble the interest on our account.

 

We've always been able to pay them but have chosen this path on principal. I have to say my enthusiasm is waning. It's been a few years and we are not one inch closer to the end than we were at the start.

 

In summary: MBNA did not have a valid CCA. They took almost a year to reveal this. They sent a defective DN. They sold on the debt before the DN had expired. They did not send any notification of Assignment. Experto now chasing on behalf of Verde. No contact from Verde whatsoever to even say who they are.

 

And here we are, still gainfully employed paying all of our bills on time as we always have-with the slight niggle of having a huge MBNA black mark on our credit record and some cowboys called 'Experto' harassing us to the point where we had to change our telephone number.

 

MB

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Well you've avoided paying them for a few years ,a few more years and it will be statute barred anyway. I feel your pain having been in the same predicament with my mbna cards but if they want to hike an interest rate from 9% to 34% in search of more profit without responsibility then i'm happy not to pay them anything,with or without a cca.

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Its tought dotty and the fact my credit rating is destroyed makes it a bit tougher but thank god i didn't go down the route of an IVA as id'd have been properly stuffed by now. I've had no pay rise for 2 years,wont get another one for at least 2 more and i'm trying to cope with utility prices going up by 20%,food by at least 10% and fuel by as much again....................i really dont know how people with mortages and rent to apy are getting by................and if that interest rate goes up ,which it surely will then the whole lot will collapse.Capitalism left unchecked and adminsitered by the greed at all costs mentality of business will bring this economy down,its just a matter of time.

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  • 2 months later...

Well, out of the blue...a letter from someone called Fairfax threatening to take legal action on behalf of Exp Cred. Should I bother responding? It tells me that I must ring them immediately (yeah right!) or settle the entire outstanding balance before 31 October.

 

Ignore or reply?

 

Thanks

MB

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Well, it looks like the day of reckoning may be finally drawing near. I found this in another forum about Fairfax: (post 16 document) http://www.consumeractiongroup.co.uk/forum/showthread.php?317304-Help-needed-dealing-with-a-Northampton-CCBC-CCJ-claim-from-Santander-Cards-PLEASE!&p=3576556&highlight=fairfax#post3576556

 

There are two points I pick up from Fairfax's letter. The first is that they sent the letter 3 times for before proceeding to Court. The second is that Fairfax mentions in its letter that it has noted that they received no response to any of the 3 letters that were sent and that they would be making the court aware of this.

 

So, to my thinking, I should definitely respond to this letter. My intention is to lay out my position (for the millionth time) and tell them that I am anxious to proceed to court where I will robustly defend my position. Unless anyone thinks this unwise?

 

MB

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Well, it looks like the day of reckoning may be finally drawing near. I found this in another forum about Fairfax: (post 16 document) http://www.consumeractiongroup.co.uk/forum/showthread.php?317304-Help-needed-dealing-with-a-Northampton-CCBC-CCJ-claim-from-Santander-Cards-PLEASE!&p=3576556&highlight=fairfax#post3576556

 

There are two points I pick up from Fairfax's letter. The first is that they sent the letter 3 times for before proceeding to Court. The second is that Fairfax mentions in its letter that it has noted that they received no response to any of the 3 letters that were sent and that they would be making the court aware of this.

 

So, to my thinking, I should definitely respond to this letter. My intention is to lay out my position (for the millionth time) and tell them that I am anxious to proceed to court where I will robustly defend my position. Unless anyone thinks this unwise?

 

MB

 

However, you have requested these documents prior havent you.. by way of CCA1974 and also SAR ?

 

The letter from Fairfax on the other thread is purely smoke and mirors IMHO. They are correct that by filing through NBCC they have avoided having to provide documents with the claim. However, they are obliged to actually have the documents in their possession in order to take the claim forward.. so why do they say they will now ask their client? Almost certainly a defendant will make a CPR request, apart from anything else, it is their right to have sight of the paperwork on which the claimant base their claim!!

 

Have you posted up a copy of the letter you have received?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CB

 

The letter is identical the the one in post 39 here http://www.consumeractiongroup.co.uk/forum/showthread.php?265706-experto-credite-default!/page2&highlight=fairfax

 

I have been agressively pursuing this since 2008. I have made a CCA request (which was fullfilled after about 6 months-believed to be faulty). MBNA then sent a faulty DN. They then UR'd. I SAR'd them and resulting Comms Log proves UR. They have sent no NOA. I have kept very accurate records and responded to all written correspondence.

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Thanks CB

 

The letter is identical the the one in post 39 here http://www.consumeractiongroup.co.uk/forum/showthread.php?265706-experto-credite-default!/page2&highlight=fairfax

 

I have been agressively pursuing this since 2008. I have made a CCA request (which was fullfilled after about 6 months-believed to be faulty). MBNA then sent a faulty DN. They then UR'd. I SAR'd them and resulting Comms Log proves UR. They have sent no NOA. I have kept very accurate records and responded to all written correspondence.

 

Then I would say, you have two choices, either ignore it and let them move forward or you could bullet point your previous communications with the masses.. You say that you have received no NOA.. I wonder if the draft letter below would be of any use to you.. suitably amended of course.

 

[ATTACH]31028[/ATTACH]

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks again CB

 

Would I send that (amended) letter to Exp Cred or Fairfax?

 

I would think send it to Fairfax and copy it to Exp Cred.. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks CB and MB

 

 

Im in the same boat, but will send the standard response back so they cant get me on the you are ignoring me card.

 

What do you mean by the 'standard response' Capricorn, a template from here or one of your own?

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