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    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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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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