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    • Hi everyone, Thanks for the responses. Just a few follow up questions in light of what's been said:   If I dont appeal to PPM, who can I appeal to?   Why should the PCN been attached to the windscreen? Is this written in law?   I assumed the document I had received was the NTK, if this is not the case, what does a NTK look like?   Regarding the compliance with the Protection of Freedoms Act, could the "period" of parking not be argued either way? The legislation doesnt state it must have a start/end time of parking, which I assumed an ANPR camera would pick up if it had one. Is 4 minutes not technically enough to show the vehicle was parked?    Thanks !
    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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MBNA CCA issue .... I don't trust them !


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Hello all, I sent a request for my CCA using the template letter on this site but I stupidly signed it thinking if I hadn't they would come back with some lame response that the request needs to be signed.

 

My request was signed for on the 29th May, given the 12+2 rule which I understand to be 12+2 working days (what does the +2 mean by the way ???) I should expect something by Tuesday or Wednesday this week.

 

I did think about NOT signing the form, the "dodgy" side of me was fully aware they might scan the signature and put it on a proper document. Luckily my signature has changed from back in 2000 but I don't trust them as far as I can throw them.

 

I'm not interested in playing cat and mouse with them so if I don't hear anything by Friday Should I send the second letter ??

 

I am really annoyed that I signed the CCA letter. Stupido ! I did staple my £1 postal order to the letter so I'd like to try to see them say they didn't receive it.

 

Why oh why did I sign the CCA ?!!!! Can you tell I'm upset about doing that.

 

I've got about £11K outstanding from a CC I got around 1999/2000. I honestly don't even remember how I even got the card !!

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HI,

 

Too late to worry about it now. I did the same thing as you but they didn't lift my signature.

Stop beating yourself up.

 

When they fail to reply within your 12+2 WORKING days you could send them this letter. There are others, I just like this one :D

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

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Thank you !!!

 

Like I said - If I haven't received anything by Friday this week then that letter you kindly linked me to will get sent.

 

If I sign it but put some lines through it, would that be safe ???

 

Cheers

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Don't bother signing from now on.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Yesterday aparently I got a call from MBNA. I wasn't around to take the call but, for the future, should I avoid phone contact and continue dialogue via letter only ?

 

I got my CC statement dated 06 June, it oddly enough has 2 identical payments, one made on the 14th and one on the 15th May - I only made 1 payment on the 14th May and my bank statement confirms that only one payment was made. Oh Well :D.

 

Anyway it says my next payment date is the 2nd July but by that date the account will be in dispute I guess, after I send the 2nd letter. I just wanted to know at what stage they will attempt to put a missed payment on my credit file which, to my understanding, they CANNOT do with the account in dispute, right ?!

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Hello all, I sent a request for my CCA using the template letter on this site but I stupidly signed it thinking if I hadn't they would come back with some lame response that the request needs to be signed.

 

My request was signed for on the 29th May, given the 12+2 rule which I understand to be 12+2 working days (what does the +2 mean by the way ???) I should expect something by Tuesday or Wednesday this week.

 

I did think about NOT signing the form, the "dodgy" side of me was fully aware they might scan the signature and put it on a proper document. Luckily my signature has changed from back in 2000 but I don't trust them as far as I can throw them.

 

I'm not interested in playing cat and mouse with them so if I don't hear anything by Friday Should I send the second letter ??

 

I am really annoyed that I signed the CCA letter. Stupido ! I did staple my £1 postal order to the letter so I'd like to try to see them say they didn't receive it.

 

Why oh why did I sign the CCA ?!!!! Can you tell I'm upset about doing that.

 

I've got about £11K outstanding from a CC I got around 1999/2000. I honestly don't even remember how I even got the card !!

 

unfortunately people mis describe the 12+ 2 rule when in fact it is 2 + 12

 

what it means is that if sent first class is is deemed to be served on them on the 3rd WORKING day (2 working days for postage) and then 12 calender days to comply

 

when working out the deadline bear in mind that if you post on a thursday the two working days will be friday and monday so time counts from Tuesday ( also take care to count bank holidays as non working days)

 

hope that clears that up for you

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Thanks for your responses.

 

So DiddyDicky, If I sent the CCA request on the 28th May at around midday, the 2 working days would end Monday the 1st June. Now if you say that the +12 is 12 calendar days as opposed to 12 working days, that takes us to Saturday the 13 June, so that means I can send the In Dispute letter now !

 

Or have I misread/misinterpreted what you said ??? :grin:

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actually i just realised my mistake (getting confused with DN's) it is 12 working days i believe from the date of service

 

if you sent it second class then you would need to allow 4 days for post and count the 12 from the 5th day

 

personally i just tend to leave it another week to be of the safe side before telling them they are in default

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Hi Hothead

 

Welcome to the club.

 

I've had my account in dispute since March and am about to miss my 3rd payment. I owe just slightly more than you... or rather I dont as its in dispute and I now dont recognise any debt to MBNA.

 

Get ready for the ride. Look on my thread where there are a few of us at similar stages comparing notes and regular correspondence received. If you are registered online with MBNA try to remove as much contact detail from their online records as possible. Unfortunately if you have ever called them on a number which might show up they will probably have a record of this too. Dont ever speak to them on the phone and get everything in writing.

 

 

Capricorn

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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i think the signature thing is blown out of proportion however the EASY way to get over it is to sign your name with a letter added

 

for instance if your name is T brown sign it ttbrown

 

if done in a flourish it will not be evident to them but you will be able to prove (should it ever be necessary) that you adopted this style for a particular purpose! simples innit

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When I CCA egg they requested my signature but I didnt give it to them. MBNA have never requested it. I have since created a digital signature to get over any future requests

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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When I CCA egg they requested my signature but I didnt give it to them. MBNA have never requested it. I have since created a digital signature to get over any future requests

 

there is no requirement in the CCA to provide a signature on a sect 77/79 request its just them playing silly buggers!

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Thank you all for your responses.

 

I have received nothing from MBNA so I amended the Account In Dispute letter linked further up the thread (looks amazing by the way) and this afternoon I will post it registered delivery.

 

So let the games commence. If I am successful with this whole thing I will be extra satisfied because I spoke to customer services there a couple times asking them to give me a better interest rate and they were rude and unhelpful. I was perfectly happy to pay off this debt until then. Fingers crossed then.

 

I will keep you posted on events.

 

Thanks.

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Thank you all for your responses.

 

I have received nothing from MBNA so I amended the Account In Dispute letter linked further up the thread (looks amazing by the way) and this afternoon I will post it registered delivery.

 

So let the games commence. If I am successful with this whole thing I will be extra satisfied because I spoke to customer services there a couple times asking them to give me a better interest rate and they were rude and unhelpful. I was perfectly happy to pay off this debt until then. Fingers crossed then.

 

I will keep you posted on events.

 

Thanks.

 

 

'tis important now though to have no verbal contact- its so easy to say or aver to something verbally which may later come back to haunt you

 

keep it strictly in writing

 

if you can afford a truecall- this will make life soooooooooo much more stressless in dealing with these fine folk!

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  • 3 weeks later...

Hi everyone. Yesterday (15/07/09) I got a call from Aegis asking me to confirm my details with them, I said there is no point seeing as my account was In Dispute and I was not prepared to discuss the mater on the phone.

 

Today (16/07/09) I got a call from Global Vantage, I asked them if they were Aegis and they said yes. I explained AGAIN that I was not prepared to discuss the matter. The lady convinced me to confirm my details so she could update my account with the correct details of the status, no harm there.

 

So I explained where we were and I confirmed in no uncertain terms that I was not prepared to talk to them or MBNA about the matter on the phone, only correspondence by writing would be acceptable. She said she would hold off the calls to me for 1 week.

 

I responded by saying that she would be wasting her time calling me back because I will not respond and if they call me back I will report them to the Ombudsman for harassment. She then went away for a couple mins then came back and said ok, she will update the records to reflect the fact that nobody is to call me.

 

How did I do and what will happen now ?

 

Cheers all.

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Hi

You did well sticking to your guns but I bet they will ignore you and start ringing again

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Im having the same prob as you, but no calls.

 

Go to your online account and ammend your contact details - put in a couple of old mobile number or something. Seems to me like this automatically updates there system.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hi everyone. Yesterday (15/07/09) I got a call from Aegis asking me to confirm my details with them, I said there is no point seeing as my account was In Dispute and I was not prepared to discuss the mater on the phone.

 

Today (16/07/09) I got a call from Global Vantage, I asked them if they were Aegis and they said yes. I explained AGAIN that I was not prepared to discuss the matter. The lady convinced me to confirm my details so she could update my account with the correct details of the status, no harm there.

 

So I explained where we were and I confirmed in no uncertain terms that I was not prepared to talk to them or MBNA about the matter on the phone, only correspondence by writing would be acceptable. She said she would hold off the calls to me for 1 week.

 

I responded by saying that she would be wasting her time calling me back because I will not respond and if they call me back I will report them to the Ombudsman for harassment. She then went away for a couple mins then came back and said ok, she will update the records to reflect the fact that nobody is to call me.

 

How did I do and what will happen now ?

 

Cheers all.

 

pretty well but only 7/10 because you broke the golden rule

 

do NOT give any information (even the time of day) on the phone

 

If you cant avoid answering the phone then the golden rule is to refuse to give any part of the security information, without which THEY will end the call because they cannot proceed past this point

 

they may tell you (dont argue this on the phone) that just giving them say the YEAR of your birth is ok

 

is it? and next time someone says "just give me the month"

 

see where it's going

 

You need EVERY word Every intonation IN WRITING

 

ignore the golden rule and it may well come back and bite you on the bum

 

stay focused

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