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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


exchange
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Hi Dotty50

 

I hope you gave them an appropriate response to knocking on your door!

 

I can't see them doing the same to me, but you never know with budget airlines making it so cheap to travel!

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Despite complaining again about harassement I am still getting calls to every number and messages left every couple of days, usually before 9am.

Anyone got a successful strategy for stopping this, apart from changing all phone numbers, which would be a problem given that two are work numbers?

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Hi Exchange,

 

They have started calling my office now. (I think it's Virgin MBNA) only way I will find out is if I call!

 

Have you written and specifically quoted the numbers, asking them to be remove d from their system?

 

I did with Cap1 and they complied! :eek:

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Had messages left on each number on Friday and Saturday saying 'This is a final message....' and telling me that they can no longer help me. Could this mean they will stop calling? No calls today so far!

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Of course it didn't mean they would stop calling!

Three calls this afternoon, one on each number from a different person. So the last one was telling me it was the last message from that person, not that I would stop getting calls. Getting a bit bored with them now.

They continue even though I have not spoken to them once on the phone since disputing CC accounts and the loan with them back in March 2009.

All other creditors have long since given up, so they get the prize for persistence.

Have to see how long it takes for them to get the message that I will not speak to them on the phone.

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Calls have stopped again but received a curious letter this morning.

Curious because it says 'Further to your request, please find enclosed giro slips for payment....' It doesn't say much else.

I have not asked for anything or suggested I would make any payments, so are they playing games or is it just a mistake?

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  • 2 weeks later...

Have had calls every three or four days recently but have now received their standard 'We have limited time to help you' letter with all the threats they can think of. It will go into my bulging file, I really don't want to have to go out and buy another one!

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  • 1 month later...

Default notice turned up today for this loan account. It is dated 8 March 2010 which was a Monday and demands payment 'Before the date shown', the date shown being the 25 March 2010, so this means by the 24 March 2010, does it not. The envelope has a Royal Mail 1 on it and Airmail as I am not in the UK. I find it hard to believe that the same rules apply for service of a DN to a foreign address as it has taken 10 days to get to me! If two days are allowed for service then it would be valid, but as the delivery time shows, how can I have 14 days to respond with delivery today and only 6 days to the 24th?

I will post it but any opinions welcome.

Thanks in advance.

Exchange

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I notice that non-payment means the 'account will be closed, the credit agreement will be terminated', not may but will, so this is effectively a notice to terminate the agreement.

Any views?

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I asked MBNA to provide info on loan accounts with them under a SAR which had previously only got me CC info. Today I have the response which was due by the 2 March 2010 sent on the 10 March 2010 with an apology for the delay and a rubbish excuse. The usual lie about only keeping records for 6 years included, when what they must do is keep records for 6 years after an account is closed.

So lots of activity suddenly. I will need to have a proper look through what they have sent to see what I find.

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Hi Exchange,

 

Vint says they do not normally send an official termination letter, I've certainly not had one.

 

'Activity suddenly', you can say that again, I have received a reply to my SAR today, which I request on 2nd Feb so, like you, will start reading! :)

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Hi Dotty50, I didn't receive any termination notice for either of my CC's with them so not expecting one for this loan. I think they have the brains (surprisingly!) to not terminate so that if the DN is faulty they can try again.

Perhaps they can't cope with the number of SAR's they are getting at the moment. Should we complain to the ICO about the lateness?

Edited by exchange
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Trouble is Exchange, I understand that the ICO are also struggling to cope with complaints and are taking months to respond!

 

They have not fulfilled my SAR but it does confirm that they sold my account before the expiry of the DN and they also confirm that the cannot supply a copy of a signed CCA due to archive retrieval problems with HSBC. (This card was originally an Open University card via Beneficial Bank from many years ago so didn't expect a copy)

 

It also seems that the account was passed to litigation but litigation declined it!

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Your SAR sounds like good news for you! I am yet to go through mine properly.

It must help to complain as it adds to the growing number of complaints listed against MBNA, which can't be a bad thing even if it takes for ever for the ICO to look at it.

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  • 3 months later...

Been a while but today I received a 'Closing Statement, from MBNA telling me that the account has been sold to a third party (who they have not named). Current interest rate is 0% so the balance should remain the same from now on.

I take it that unlawaful receission of contract applies to loan agreements in the same way as CCA's?

If anyone can confirm this please that would be great.

Thanks in advance.

Exchange

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Having sold it on this is 'termination' of the contract in the eyes of the law I take it?

The DN sent to me would have complied with the rules if it were to a UK address but I am not in the UK!

Anyone know how this would be viewed?

My argument would be that delivery within 2 days to a foreign address cannot be guaranteed and I do keep all envelopes which prove that, even with first class by air mail, letters typically take 10 days to reach me from the UK.

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Anyone got any opinions or hard facts on service of DN's outside the UK?

Since starting this process in February last year it seems there is either no guidance where the debtor lives outside the UK or if there is it is very well hidden!

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