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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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MBNA Loan - The battle begins


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Written to MBNA to point out agreement unenforceable due to incorrect prescribed term, but decided to let them work out where there error is rather than pointing it out. Why should I help them?!

 

I have also demanded a refund of interest for the last year as they have failed to send me an annual statement which became law on the 1 October 2008. The legal requirement is, for existing agreements at 1 October 2008, a statement must be sent by 1 October 2009 and then each year. How many people have not had one from MBNA I wonder? According to what I have read, interest can be reclaimed:D.

 

I don't expect them to cough up but I like to cause them more work as they continue to harrass me with unidentified calls and messages despite me telling them to only communicate in writing.

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Letter from Global Vantedge (correct spelling-clever name eh!) today. Stopped paying loan as have written to put account in dispute.

The main issue is the passing of information to a company in India where data control is not a strong point. I know they do it all the time, had Aegis onto me re credit cards in the past, but this is flouting rules as usual, surely.

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I have also demanded a refund of interest for the last year as they have failed to send me an annual statement which became law on the 1 October 2008. The legal requirement is, for existing agreements at 1 October 2008, a statement must be sent by 1 October 2009 and then each year. How many people have not had one from MBNA I wonder? According to what I have read, interest can be reclaimed:D.

 

Hi Exhange

 

Can you point me in the direction of the above please as I might try this as well as everything else I am doing.

 

Thanks

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http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=13473&d=1256049145

 

Here it is rondodiver.

 

This should be used by everyone who hasn't had a statement which I'm betting is a huge number.

 

Hope it works for you.

 

Exchange

OFT Loans.pdf

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I have posted the same info in a thread on the General Knowledge forum regarding loan agreement annual statements. It does say that the creditor cannot enforce the agreement if an annual statement is not supplied which makes it very powerful.

I have also alerted the site team as I have seen no other info about this on here.

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Annoyed that Global Vantedge are now calling my mobile 3 times a day and I believe attempted to call my home number as well.

As Global Vantedge are in India, can I not report MBNA for passing my info outside the UK and EU breaching the Data Protection Act?

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Received today a Personal Loan Statement from MBNA. Only 27 days late and it is deliberately undated by MBNA.

On the second page it says 'My Transactions' and talks about a table of payments made, interest charged, etc. Problem is it is blank! The table is not there. So the statement is incomplete.

MBNA's incompetence is truly stunning!

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As this agreement is online and from May 2007 (unfortunately for me!), does this make it more difficult to argue about presribed terms being incorrect?

 

Exchange - I think you should investigate this properly. My understanding is that, because your agreement is dated May 2007, even if your prescribed terms are incorrect this doesn't render the agreement irredeemably unenforceable any more.

 

In the earlier CCA legislation if the prescribed terms were missing or mis-stated then even a court could not enforce the agreement.

 

But with the amended CCA that provision was eliminated for all future dated agreements. This means the court CAN order an agreement to be enforced even if prescribed terms are missing or mis-stated.

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Thanks Redfish, I realise that, but they would still have to go to court to enforce it. My understanding is that it doesn't take away the fact that prescribed terms should be correct.

It's complicated for them (even more so because MBNA don't seem to have too many braincells between them) as I am not in the UK. Did you look at the new regulations for annual statements?

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On the back of mine the table of payments and interest is missing. Have another look to check if it's all there!

There is something called a 'European Order for Payment' which is new this year but it is for debts which are not disputed, so difficult again!

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Just had a new statement from MBNA with the missing figures. Still, 3 November isn't the 1 October, is it?

 

They have also acknowledged my complaint and say they will get back to me within 28 days, from......you've guessed it, Gail Powell. Boy, is she busy!

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  • 2 weeks later...

Global Vantedge continue to call daily and I am also now getting voice messages left on my mobile by MBNA asking me to call one of their many 01244 numbers. Let's see if they do anything different when they get the telephone harrasement letter.

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After sending me a letter in October to say they are investigating my complaint another letter has turned up today (with a second class postmark to a foreign address?) saying they need more time. If they use second class again I won't see it until after Christmas! I wonder if they are waiting for results from test cases?

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