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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Castlebest stays at the MBNA (village People)


Castlebest
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Well I am coming to the end of the files in my box and the last one is MBNA :) I started asking for information from them back in 2007, got very little from either a Data Protection Act SAR or a Consumer Credit Act section 78 letter but thats about standard fro MBNA.

 

In the mean time I found most of my old statements detailing this account all the way from 1997 with just one year missing so I sent off a preliminary letter and an LBA.

 

The made derogatory offers of under 10% of the claim value so as the court traffic has thinned a little I will submit the claim to County Court.

 

pete

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  • 1 month later...

Update on MBNA :D

 

 

I checked my claim, it goes back to May 1996 (over 13 years), so I issued the writ at the end of September for;

  • Unlawful charges
  • Contractual interest levied against those charges.
  • Miss-sold PPI
  • Contractual interest Levied against Miss-sold PPI
  • County Courts Act section 69 interest
  • Court Fees

The acknowledged the writ on time and then made an "in the interests of not incurring further costs" offer of the full value of my claim :).

 

So Job done, site donation sent and thank you MBNA :D

 

pete

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It was quick, about a month, but this is because they decided not to contest the claim. If you can prove your facts I don't think there is really any good defense to a credit card claim, Citi do try and I have a claim against them comming up so we will see what they can do :).

 

As to value, it was quite a lot :rolleyes: but because this claim went back so far a good proportion of that was interest, in my case it is something like;

 

Charges 15%

PPI premiums 18%

CI charged 22%

CCA interest 45%

 

pete

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Well done Castlebest!

 

Great inspiration for those of us who have been offered refunds from MBNA, but no contractual interest:D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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  • 4 weeks later...

Hi, Just stumbled across this thread.

 

Out of interest, had you previously gone via the FOS? I ask, because I'm wary of taking this to court when the FOS have already agreed with MBNA's contention that CI should not be compounded.

 

Also, any help you can offer in in respect of filing at court further down the line would be much appreciated.

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