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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MISS PICKLES V MBNA!!!(Sorry its a long one)***WON***


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Right, this ones a bit strange so will fill you in . . . .. This all started before I knew of this site or even knew that bank charges were unlawful . . . .

 

Was having problems with MBNA. They had pushed me over my limit with charges. I continued to pay every month, ie £50, but they were charging £50 plus £45 interest, so as you can see I didnt get better only got worse. Finally rang up in March to ask them to stop the charges and give me a chance to get account back in order. They said yes, but failed to do what they said they were going to do over next 3 months, still charging etc. 8 Phonecalls later and by early June had it sorted, with the charges since march refunded. So wrote a snotty letter to MBNA detailing my woe, unfufilled promises etc, and generally complaining about the service, also the fact that I thought their charges were unfair so as a good will gesture they should refund all of my charges since going over the limit in november, ie £200.

They replied said would get back to me by today, giving them 6 weeks to reply to me.

 

Incidently on my credit file I have got 00000 all the way through with MBNA so after finding this site I thought that since my record was good with them then surely I must not have accrued many charges, so left the service letter to it. (ie didnt issue SAR etc)

 

SO I get a reply to my complaint letter today. Bearing in mind I knew nothing of this site when I sent it so It was just a complaining letter. They have apologies for the numbskulls that were supposed to help me. THEY HAVE ALSO INCLUDED THIS, AND I QUOTE:

 

"With regards to your concerns at the fees applied to your account we have complied a list of charges that have been applied over the last 6 years. A copy is attached for your review. YOu may know that the OFT bla bla and MBNA disagrees bla bla however we have decided to reduce our fees to £12 bla bla. With this in mind I have now credited your account with a further goodwill payment of £656.00 in full and final settlement of your complaint. this amount represents the amount of fees charged in excess of the recommended £12 per fee. I trust this response meets with your expectations. If you have any further queries please contact bla bla.

Yours, MBNA.

 

Ok. SO a) Am gobsmacked that actually what they are saying is that my actual charges are probably in the region of £1300, and this is the card where i thought i had hardly any!

b) they say it is in full and final settlement, but havent asked me to sign to accept this. Should I just let them credit my account? If I let them credit my account can I still start from scratch to reclaim the full aount of my charges, plus the interest, which must be a lot over 6 years? I mean they say its in full and final but they havent asked me if i agree have they?

c) they didnt send me a list of their charges even though they said they did. Im not too worried though as would rather have copy statements so can work out interest. Should I kick off and get this list of charges though?

 

Right if youve read to the end of this, thanks! any opinions greatfully received as I dont want to let this opportunity to pass me by,

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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This sounds interesting! First random thoughts are:

 

1. As you say, ask them for the list of charges they forgot to include in their letter. At the same time you might like to ask them to calculate the interest you have paid on those charges (because you will want to claim that back as well).

 

2. Advise them you are happy to accept their goodwill payment but you will be requesting the balance of your charges and interest be returned.

 

3. Their letter says 'a FURTHER goodwill payment'. Is it another payment, or only the one. Do you think they mean it's in addition to the refunding of the charges made since March?

 

4. When you make a full Data Protection Act request, they don't have to send you actual copies of the statements, only the information contained in those statements, perhaps in another form. They seem to be sending everybody just a list of the charges which have been applied. Most people seem happy with that, but some prefer to go for the full disclosure.

 

5. If they send you the list of charges (and interest) you might like to get straight on with the standard repayment please letter, less the £650 refunds they have already made. When you put the charges and refunds into the spreadsheet, put the refunds against the most recent charges, so that you maximise the interest you are owed. However, if you decide to claim interest, you can claim for the period from the date of charge to the date of refund (but I don't know how you will work this out, sorry).

 

Is that enough for starters to get the ball rolling? Good luck.

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Agree with most of what has been posted above.

 

Only thing to add is that you should follow the step by step guide in the FAQs, if you do then if you have any problems further down the line it is less likley you will incur signficnat delays.

 

If you dont sned the right letters i could backfire should they change their attitude to claims.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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This sounds interesting! First random thoughts are:

 

1. As you say, ask them for the list of charges they forgot to include in their letter. At the same time you might like to ask them to calculate the interest you have paid on those charges (because you will want to claim that back as well).

 

2. Advise them you are happy to accept their goodwill payment but you will be requesting the balance of your charges and interest be returned.

 

3. Their letter says 'a FURTHER goodwill payment'. Is it another payment, or only the one. Do you think they mean it's in addition to the refunding of the charges made since March?

 

4. When you make a full Data Protection Act request, they don't have to send you actual copies of the statements, only the information contained in those statements, perhaps in another form. They seem to be sending everybody just a list of the charges which have been applied. Most people seem happy with that, but some prefer to go for the full disclosure.

 

5. If they send you the list of charges (and interest) you might like to get straight on with the standard repayment please letter, less the £650 refunds they have already made. When you put the charges and refunds into the spreadsheet, put the refunds against the most recent charges, so that you maximise the interest you are owed. However, if you decide to claim interest, you can claim for the period from the date of charge to the date of refund (but I don't know how you will work this out, sorry).

 

Is that enough for starters to get the ball rolling? Good luck.

 

Thanks for that Verytrying,

1)would they work out the proper amount of interest for me? Or would they try and minimise it?

2)Do you think I need to write to them accepting the goodwill offer, as they havent asked me to? Or shall I just let them credit the account then start from scratch with them?

3) I think it is referring to the refund of charges made since March

Many thanks for your answers, this one has thrown me a bit coz for all my others i did it following the step by step, at the time of sending my complaint letter i had no idea about this fab site, so have got a bit confused now. Basically I want to be able to accept this money without signing or actually agreeing to accept it so that I can start from scratch with them and follow the process to get the rest back but in the meantime have this credit on my account. Do you think I could do that?

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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Agree with most of what has been posted above.

 

Only thing to add is that you should follow the step by step guide in the FAQs, if you do then if you have any problems further down the line it is less likley you will incur signficnat delays.

 

If you dont sned the right letters i could backfire should they change their attitude to claims.

 

HTH

 

 

 

Glenn

 

thanks Glenn!

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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Thanks for that Verytrying,

1)would they work out the proper amount of interest for me? Or would they try and minimise it?

 

Its worht pointing out that you are setting off on a route where you may end up in court suing them. Its best your do your own work as to exactly how much you think they owe you including any interest you may have paid as a result of illegal penalites.

2)Do you think I need to write to them accepting the goodwill offer, as they havent asked me to? Or shall I just let them credit the account then start from scratch with them?

 

Personally i believe you should write to them accepting their goodwill offer as part payment to be set aganst what you owe. also you should confirm your intention to proceed with your claim to court if necessary. As much as you not feel very happy with the MBNA when you take somoen to court you shold act in goof faith and basically this means being relatively open and transparet in your dealings with the other side. Argue and disagree all you like but do it politely and without any malice. If you dont tell them what you are doing, then how will they know you have effectivley rejected their offer?

If they reject a submission you mkae, they wrote back (typically) and tell you to so.

3) I think it is referring to the refund of charges made since March

Many thanks for your answers, this one has thrown me a bit coz for all my others i did it following the step by step, at the time of sending my complaint letter i had no idea about this fab site, so have got a bit confused now. Basically I want to be able to accept this money without signing or actually agreeing to accept it so that I can start from scratch with them and follow the process to get the rest back but in the meantime have this credit on my account. Do you think I could do that?

 

Hope that helps

 

all jmho

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I would write back to them accepting their offer of PART payment and reserving the right to take legal action for recovery of the outstanding amount.

 

Send an SAR along with the £10 payment as you need the data to be able to calculate the amount of interest they have charged you over the years on the charges. I then phoned their advocate department and asked them to confirm the amount of charges and interest paid, which they did in seconds (they have a spreadsheet for just this purpose). Then make a claim for the full amount + interest less the interim payment they have already offered.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Guest Zooman

I would write back saying.

 

Dear xxxx,

Re: There ref.

 

I have received your letter of date and note your position.

 

In regard of £656.00 in full and final settlement of my complaint.

 

I say clearly and without hindrance that I do not accept £656.00 in full and final settlement of my complaint and have agreed nothing of the sort in writing or verbal.

 

I will accept £1,300 (zoo: you know the full amount) in full and final settlement of my complaint on this account.

 

If you do not accept my offer I will commence court proceedings to recover the the full amount in 7 days.

 

Please advice of your position.

 

Yours faithfully

 

XXXX

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Guest Zooman

This way it matters not if they leave the money in the account or not. just start proceedings for the full amount and let them say in the defence that they have already made a part payment and as such admitted liability, they may even lodge a counter defence (but I doubt it) that will force them in to court :D.

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  • 2 weeks later...

hello,

thanks zooman. sent a letter yesterday accepting the refund as part settlement to the as yet unknown amount. Also included a DPA SAR so I can find out exactly how much these people have had off me! hopefully they will be prompt as i want to get this one underway!

Will keep you posted

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 2 weeks later...

30 days to go . . . .

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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WOW this is so much like the problems I had with them and at about the same time.

 

I had some difficulties as a result of my divorce and contacter MBNA along with all my other creditors and notified them there were going to be problems. They agreed to waive charges and shortly after Christmas 2005 they agreed to waive Interest. Instead of which they took every opportunity to add charges onto 2 accounts, even to the point of refusing to agree a debt management plan through CCCS ( although they sdtill accept the reduced payments).

 

I did an SAR and calculated the charges and interest, as a double check I phoned them up and asked them to verify interest on charges for one account and they made it £140 more than I had.

 

I subsequently sentmy prelim letter in and got the token goodwill gesture of £175 for one account( total is over 700) and £950 on the other account ( total 0ver 2000).

 

In addition they have passed the accounts to a DCA and registered defaults against me.

 

I have just issued proceedings on the smaller account reclaiming the full amount + reciprocal interest up to date of settlement. The larger account I am ready to issue on. I am NOT deducting the goodwill gestuire as they stopped sending me statements and I have no way of checking its been made, so if they disagree with the claim amounts they can come to court to argue it. I am also asking the court to order complate removal of adverse data and the default notices with the reference agencies, as I believe the problem was seriously exacerbated by the charges. Lets face it an account with a balance of approx 4000 and over 2500 in charges and interest has to cause problems.

 

I am also not accepting them making a sundry credit back into my account. As far as I am concerned I made payments which they swallowed up in charges so any refund back to my account has to be as a payment not a credit, this will bring both accounts back into a good payment history.

 

Go for the throat MissPickles, I intend to :-D

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

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  • 3 weeks later...

Ok well got reply to my SAR full list of charges. Also a letter offering a full refund of all my charges - yippee! but I have sent back today a pre lim requesting my charges plus interest that they have charged on them at 14.9% . . it adds an extra £400 on . . i want it all back not just part of it! So will wait and see what happens!!

 

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 1 month later...

ok since last post I have sent my LBA and they have responded giving me a full refund of charges. However they are not budging on the interest that I have paid on these charges. So should I MCOL the interest on the charges? The total comes to about £400. Can I do it or am I getting into a sticky spot?

 

Any advice please?

 

Miss P x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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  • 4 months later...

Hi guys

 

just to let you all know that today I received my final refund from MBNA onto my account - so total refund from them = £1784! Its took a little longer than some due to my personal circumstances but im chuffed to bits to say that IVE WON!!!

 

Miss P x

 

Donation on its way x x x

FD £691.50 SETTLED IN FULL £691.50 :D

FD CREDIT CARD £75, SETTLED IN FULL £75 :D

MBNA CREDIT CARD £1784 SETTLED IN FULL :D

BARCLAYCARD . . .£500 BACK SO FAR . . NOW OFF TO COURT FOR MY OTHER £1200

 

PLEASE BE AWARE . . .MY OPINION IS JUST THAT . . IF IN DOUBT SEEK QUALIFIED LEGAL ADVICE x

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WOW Congrats !!!!

Thread moved as requested and duly recognised in the title.......looks like you have your work cut out with a few other claims !!.......Go get em Miss P :D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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