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    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive 😊  
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
    • BTW the time in and out is less than 10 mins, more than 5 in case that's relevant? I saw an article posted on here about a year ago a proposed legislation change but i don't know if that went through or not? I'm also a blue badge holder but there it was a regular parking spot.   Private parking fines to be capped at £50 WWW.BBC.CO.UK Drivers will also need to be given a grace period for lateness, as part of a crackdown on parking firms.    
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MBNA Loan - The battle begins


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Thanks for spotting another error, albeit minor! Dotty50 has spotted that the 'Total Amount Payable' is slightly different, i.e. 13p, to the monthly payment figure times the term, in MBNA's favour of course!

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Sorry Dotty50, no facility to add a document to PM's in the same way as you can here! The transfer fee of £50 is included in the 'Total Amount Payable' and the first months instalment. It has not been added to the 'Total Credit Charge for Your Loan'. Appears no interest has been calculated on the transfer charge. Hope that helps

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I have just PM'd you again Dotty50. Thanks for looking into this. I don't mind you posting your findings but I feel I need further confirmation. I'm wondering if 4 months and not 3 makes all the fifference for the defrred period. 8.02% compared to 7.9% is too close to what I believe is a margin for error allowed of 0.1%. Any views on this from anyone else welcome.

 

As for Mandy Reeks, they do seem to have some odd surnames up in Chester!

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Bugger, just found the answer in that a tolerance of -0.1% is allowed and +1.0%! So even though I have been quoted 7.9% MBNA or any lender could put 7.8% or 8.9% and still be OK. Not impressed by the wide upward margin for error. Hohum!

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Any opinions on the enforceability of this agreement? I suspect it is OK but would like to hear from anyone who has looked into an MBNA loan agreement before and especially where it is one that has been topped up more than once.

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[ATTACH]12889[/ATTACH]

 

Here is the Loan agreement. If the sums are OK the it is probably enforceable. Problem is none of the figures seem to be correct so far!

 

I'll try adding the agreement this way then!

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Been digging on this site and seems the term 'Cash advance' should be 'Amount of credit'. Trying to get some answers before the next payment is due in just over a week, which I will struggle to pay. Just look at the exchange rate sterling to euro and you will perhaps understand why, as I am in euroland but paid in sterling. Seemed like a good idea at the time:(.

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This website is brilliant. I feel relatively confident that all my debts that I have questioned so far are potentially unenforceable and that it is well worth fighting. I would not have survived financially until now without the help and knowledge of the people on here and look forward to the day when I am in a position to donate something to help keep this site alive. Just felt like posting this at this stage!

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Crucial part as I see it for lots of us is that it says they couldn't produce the original agreement. If this means they were relying on a copy then MBNA are going to struggle to enforce agreements.

Anyone know how to find out if a journalist has got this right for a change? Sorry, but journalists have a habit of getting things wrong.

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