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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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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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