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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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pb v mbna ppi etc


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have been reading threads and hope somone may be able to guide my action, have had 2 lots of holding letters from mbna regarding claims.latest was to give respons by 11 august, not to long away. im sure this will refute liability, what do i do next - go straight to fos??

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might be an idea to post up the claim letters you have sent so far and their rebuffs

 

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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dx, was a claim i originally started in 2006, they paid part of charges claim, but as the courts then started to refuse claim for charges i put file away.

 

In october 2008, i revisited the files as i had learned more about the charges being refunded through local courts and wrote to mbna with another dsar request.

 

In november they sent me a copy of a signed application form. have not verified if legal or not.

 

on 13th june 2009 i wrote claiming back ppi and tagged onto same letter the revised claim for credit card charges.

 

response from mbna june 17th, "we are investigating your response and will respond by july 10th",

 

letter from mbna july 14th "sorry for delay investigations taking longer than anticipated we isuue response by 11th august".

 

letter from mbna july 20th stating account in arrears, contact tel no.

 

letter 15th july from global vantage pressing for payment,

 

i responded 24th july,

wrote letter to global services, but had no address on the letter other than india. so sent it c/o mbna, widnes which is the adress that they said payments should be made to. telling them to stop action and refer back to mbna.

 

letter from mbna 30th july same as letter 20th june in arrears etc.

 

letter from global vantage 1st august pressing for payment same format as previous month.

 

wrote to mbna 5th august, questioning the debt, as i have claims and have letters from gail powell v/presi. delaying response to my request for repayment, telling them of their obligations and asking that they cease to act in this manner as my current claims against them are in excess of £18000 and far more than is owed on the card.

 

woud like to post up letters, but im not too good with computers and your site layout is a bit overwhelming and i dont know how to use the things to make it work.

 

hope this brief resume, will at least give layout to present situation.PPI claim(Est £14000+)CCcharges £803+debited int££2779.23+SI.

 

pb

 

im sorry, hope this is more intelligable,think i was in too much of a hurry-

Edited by pawnbrokers
i hope this is now readable
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corr please...

use the edit button on that msg and put some line breaks in

 

ta

 

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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Share on other sites

+

thanks thats a lot better.

 

this is nothing untypical of MBNA [see the MBNA forum]

 

you ideally need to get a final reponse out of them before going to the FOS.

 

maybe your laterest letter might bear fruit.

 

£18k! blimey that one big policy....sure that claim figure is correct?

 

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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Share on other sites

dix - this mbna card has always been in the thousands, my mrs is a high earner(or was) so not unusual, it goes back 10 years at least, and my understanding is that it must be repaid from beginning, my schedule of charges submitted to them totals £3700 from 01, debited int is £6800, stat int is £2800, thats not from its starting point - so yes big sums and the cards only got £7000 on it so im keen to get something back.

 

i dont want my agreement to be unenforceable -they might tell me to f o. and of course c.card charges will be up in the £4000 so im now saying no payments - you owe me - pb

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god i'd love to be a fly on the wall when they are forced to cough up.

 

go for it!

 

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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Share on other sites

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