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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • 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. 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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MBNA Loan - The battle begins


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Hi all, a new battle now that I am in the late stages of my other battles with credit cards and felt I could take this on as I am struggling to keep up the payments on this loan, although I have managed up until now having been unable to work for the last 6 months. Although I am back to work my earnings are around half what they were before the 'crises' which directly affects me, the exchange rate is diabolical (I get paid in sterling but live in the eurozone) and I am way off track financially due to the time off work.

This will be interesting as this loan goes back a few years but I have added to it at least twice, the last time being in May 2007. (I know, I should not have been tempted, but too late now.)

The last balance given to me seemed too high and I am suspicious that PPI has been added on at some point which I have certainly never asked for.

Starting with a CCA request being sent today.

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Thanks for the response summerbreeze. I did as you say above but I seem to remeber having to sign something and send it back. Unfortunately I don't have a copy but with any luck they won't have one either!

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I sent a SAR for my two credit cards but did not ask for information on the loan account as I had not started on it at that stage. Do I need to pay £10 again or should they have included this info on the loan account anyway?

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I sent a SAR for my two credit cards but did not ask for information on the loan account as I had not started on it at that stage. Do I need to pay £10 again or should they have included this info on the loan account anyway?

 

Hmm I think they are supposed to send you all the info they have on you so should include all your accounts but MBNA are not good IMO at sending anything you didnt ask for and not good at sending the stuff you DID ask for !!

 

You could write and ask them for the loan info and point out you have already paid £10 and expected to get everything they have

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Hi Dotty50, I did eventually get a response for one of my CCA's but only got the second after a SAR. You might want to continue to wait if you have had nothing as this obviously means the account is disputed, but an SAR might work.

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  • 2 weeks later...

Phone calls have increased recently, although I always ignore them, I suspect because of the CCA request for this loan. Needless to say time is up and they have sent nothing yet. I will give this a bit longer before sending the in dispute letter and have not missed any payments yet. Concerned that BOS, which I have done nothing about yet, have upped my interest rate to 20.9% and that I might get my overdraft facility at the bank withdrawn as I know that credit files are checked regularly.

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Found out from this brilliant website that any creditor you have a loan with must send you an annual statement since new legisaltion came in to force on 1 October 2008. If your loan predates 1 October 2008 then you must receive a statement by 1 October 2009 or they are in default and cannot charge you interest for the year that they have not provided the statement for. Yet another potential angle to fight them on. They have a week to get this statement to me. Do they know?

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Had a copy of my loan agreement turn up today. I would scan it but technology has defeated this for now, scanner has packed up. It's dated May 2009 and looks as though I did it on-line, when I'm sure it was agreed on the phone! Anyone else had this situation?

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Having looked back through emails, I did apparently accept it on line. I will post it up when I can but looks like I may struggle with this one! Pity because I have grown to really hate the way MBNA operate over the last 6 months!

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I should point out again that this was a top-up to an existing loan which was also a top-up to an existing loan. I know, don't be harsh!

Should I have been sent copies of the two previous loan agreements as well or does the current one supersede all others?

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I have been checking the loan agreement sent to me and using a couple of APR calculators my agreement says 7.9% whereas I get 8.7% or 8.8% from the two APR calculators I have tried so far!

This is way off if correct. Has anyone got a reliable calculator they have used? I am missing something perhaps?

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Have found I am using the same calculators on websites as others have used on here. Is it really possible that MBNA could have been charging me nearly one per cent more than the agreement says?

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typo
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