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    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (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; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
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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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