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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        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.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, 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.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the 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 “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 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.   4.4        I also do not believe the claimant possesses these documents.   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 parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    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.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  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.  7.5 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 practice 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.”  7.6 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 recoverabl15e 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...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        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.   7.9        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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • 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).
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At my wits end with the A&L - some advice please!


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Hi all,

 

I hope this is the right place to post this but if not, I apologise in advance!

 

I have a basic account with A&L and have worked out from previous statements that they owed me £442 in failed DD charges. I sent them a letter (before discovering this site) and they replied, agreeing to refund me - as a good will gesture, a payment of £34. They then proceeded to take this back out of the account a day later. I sent them the prelim letter out of the template gallery on the 3rd of August and I am still awaiting a response.

 

I am due to the next letter on Wednesday, and have this all ready and prepared. Looking at most of the cases people have posted on here, I realise that I am going to have to start court proceedings and that the likelihood is that A&L will probably close my account after I do so. Herein lies my problem. When I split up with my husband, about a year and a half ago, I found out that he had not been paying any of the bills and this left me in a total mess financially - most of them being in my name and having accrued CCJ's etc. I only found out the full extent after he had left and as a result, although payments are being made, my credit rating is shot to pieces.

 

I am a student and therefore have to have my own bank account to enable me to have student loan payments. Does anyone have any advice as to where I will be able to open a bank account which will not require me to have a perfect credit rating? I am not looking for an overdraft etc. (the last thing I need are more debts to have to pay)!

 

Also, currently everytime any money hits my account, despite having now cancelled all my DD's, A&L are 9 times out of 10 taking a £34 charge for failed DD's, is there anything I can do to prevent this happening?

 

Thank you in advance for any advice that anyone has to offer - it is much appreciated.

 

Sarah x

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Hi,

 

I know the post office offers a basic bank account, as does the HSBC, I have just opened a parachute a/c with them, and all it offers is a cash card (no chip and pin) and dd facilities, nothing else.

 

Like you my credit rating took a battering when my ex and I split, he stayed in the house and didn't pay the mortgage or any bills for 6 months! Again leaving me to pick up all the peices!

 

Good luck

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Hi Heidi,

 

Thanks for the info - will check both of these out straight away, I just need to make sure I am covered as my loan payment is due in 5 weeks and I can't have it 'eaten' by A&L!

 

Thanks again,

 

Sarah x

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Hi,

 

Thanks very much - I will give them a go, it's just so frustrating at the moment as every time any money goes into my A&L account (including CTC and Child Benefit) they take £34 from me. Yesterday I was left with £9 after they took yet another charge.

 

Thanks again,

 

Sarah x

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Yes I know the feeling - and being chrarged twice for a failed direct debit in a few days doesnt help. A & L were unable to tell me why they allowed some through and charged £16 but others failed at a cost of £34. Those going through or not obviously being sorted so they can make the most money! There has been one month where they charged me almost £700 in charges - my entire months salary and least to say made things even worse with my creditors!! Not any more - we are going to get it back!!! Good luck

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Jovichick,

 

Lets get things into perspective first. Their are a number of banks that offer basic accounts although I can't place my hands immediately on the list I have from CCCs, as soon as I can find it I'll list them in this thread for you.

 

It sounds to me like you need to get another account and move all payments into and out of it, that should at the very least give you some breathing space to resolve the problem with A&L. Make sure you work out a budget and stick to it as well.

 

A&L can apply as many charges as they like once your main banking is done with another bank, after all your going to get it all back eventually :)

 

I would also speak to the CCCS on 0845 272 5400 regarding the problems of the CCJ's if your ex husbands name is on any of the original debts then he is jointly liable for them.

 

If Direct Debits have been cancelled and A&L are still attempting to pay them and charging you for the privilage then that is covered by the direct debit guarantee and they have no legal right for the charge. I had a similar situation last year when I moved bank account from A&L. they failed to provide a full list of mandates and then made charges for failing them despite being told NOT to pay any after a certain date.All those charges were fully refunded.

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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Thanks very much for the info Tamadus, I am trying to secure an account at the moment and the second I do so will definately be moving everything to the new account!

 

The original 14 days are up as of today so my second letter is going to be winging its way through the post later today :)

 

They still haven't responded to my first request but from reading the threads on here, I am sending my second letter anyway..

 

Usually I wouldn't be too worried about opening a new account but with my student loan payment due in 4 weeks, I have to get a move on!

 

Thanks again,

 

Sarah x

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Hi all,

 

Just thought I would post an update! My worries about setting up a parachute account are over!!! Natwest have accepted me and have set me up a step current account - thanks very much for all the advice everyone has offered over the past week or so.

 

Still no news from A&L, but my second letter was sent yesterday so in 13 days - and counting! - my moneyclaim will be filed!

 

Thanks again for the support,

 

Sarah x

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Great news Jovichick now you can concentrate on dealing with A&L properly instead of keeping track of how much they are taking.:)

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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  • 2 weeks later...

Hi all,

 

Just thought I would post another update!! Well, I recieved a letter last week - 3 weeks after my prelim letter was sent telling me that the report only refers to current accounts... blah, blah, blah!! After reading other peoples cases on here, I was completely expecting this and as my second letter had already been sent, I popped the letter into the envelope I am keeping with all the correspondence to do with the case.

 

The 14 day deadline after the second letter ran out today and I happily paid my £80 for the court costs about 2 mins ago in order to file my claim!

 

I have however, had a few issues with my cashcard today. I went to the post office to take out some money, and my card was refused :Cry: , I rang my local branch, who advised me to try a cash point, which I did and it still wouldn't give me my money!! I then took a trip to the bank only to be told that my account had been temporarily suspended due to the information on their files being incorrect (I changed address in June and despite two notifications having been sent, they have not yet changed their system!). The laughable thing was that although they would not let me use my cash card in a cash machine, I was told if I wanted to take my money out in branch, they would have to levy a £2 charge. As I am sure you can imagine, I was having none of that and after having been quite snotty with the woman behind the counter, I managed to get the 'charge' waived. They said it was nothing to do with my taking them to court but couldn't tell me exactly why my account had been suspended - very suspicious eh?

 

Anyways, the only thing I want to ask now is what should I expect to happen next? How long does it take before moneyclaim hit A&L with the claim pack and how long have others had to wait from this point on??

 

Thanks in advance,

 

Sarah x

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awwww sorry Jovichick but I submitted my moneyclain on Friday so it would land on their doormat first thing Tuesday morning. I'm guessing here but I suspect they want to keep your money to help pay my claim ;)

 

Seriously it will take them a couple of weeks to respond to your claim, but in the meantime it sounds like they need to make an apology and restitution for suspending your account, as for paying a fee to withdraw your own money from the branch I thought that idea had died a death a long time ago.

 

I hope somebody feels sorry for the poor old A&L with 2 claims in the same week to contend with :-D

 

Tamadus

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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Nah, we shouldn't feel sorry for them, after today and their suspension of my account, I have no pity!!!

 

Just can't wait to get back the money so that I am able to pay some of the bills it was intended for in the first place!!

 

Thanks for the support - is much appreciated, will keep you posted as to progress! :)

 

Sarah x

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I should imagine they will think they are doing well if they only get 2 claims in a week. If you haven't done it yet can you send a pm to a moderator with your claim details to go in the litigation in progress forum.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I was going to say that Caro lol:)

 

just to update you Jovi the acknowledged my claim today 31/8/06 :) I am off to issue on Capital One now as Debitas seem to be using the phone a lot since I sent the LBA not bad going as I have told them to stop calling under the telecoms act.

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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I have a rubbish credit rating including CCJs, but I have just opened a basic account with cooperative in preparation for getting my charges back from A&L (I'll be sending the data request this weekend). With the Co-op you get an electron debit card and online banking. All you need to do is prove your identity.

Alliance and Leicester: started 2/9/6, LBA 7/11/06.

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Got the acknowledgement of service this am saying that they intend to fully defend claim...... lol so now counting down days til cheque arrives!!

 

Hope your claim is progressing Tamadus, let me know when you get your cheque, and thx for the advice Nackers, I have now got my new account with the Natwest, is much better than A & L one!!!

 

Thanks,

 

Sarah x

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When anyone checks their a&l statements be aware the charges changed approx sep 04 from flat £25 to an intial £25 to be followed by a further £25 3 days later. Be aware that an excess charge pre 04 appears as 'Monthly O/D Charge' on statements.

My 1st letter to them got posted on the 31st August, i'll keep you all posted...

 

James

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I got the acknowledgement of service in the mail yesterday Jovi but the acknowledged it online last Friday stating they intend to fully defend the claim so hopefully I should have the check in the next couple of weeks

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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jovichick, if you are receiving CTC and file your claim at the Court Office you are exempt from fees, see court leaflet EX160A, this is how I have filed my claims against A and L, very easy to do and very helpful Court staff.

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When anyone checks their a&l statements be aware the charges changed approx sep 04 from flat £25 to an intial £25 to be followed by a further £25 3 days later. Be aware that an excess charge pre 04 appears as 'Monthly O/D Charge' on statements.

My 1st letter to them got posted on the 31st August, i'll keep you all posted...

 

James

 

This is nothing new. The 'Monthly O/D Charge is and always has been £5. Thats the charge they make for any month your overdraft facility is used and it's a legitimate charge and cannot be reclaimed. If you look closer they charge you £10 to set up the overdraft facility and a further £10 a year continuation fee, again legitimate. The £25 charges you mention are for excedding your overdraft level and are applied on day 1 and again on day 3 if the level hasnt been reduced to your agreed amount. Those are a penalty and should be claimed

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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Woohoo!!! :D

 

Woke up this morning to a nice little envelope on my doorstep from the Alliance & Leicester having settled in full!!!

 

I couldn't and wouldn't have had the courage to do this without the help of this site and everyone has my sincere thanks for all their help.

 

Am off to pop cheque in bank now - good luck to all still awaiting settlements, although I am sure you won't need luck! ;)

 

Thanks again,

 

Sarah x

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Woohoo!!! :D

 

Woke up this morning to a nice little envelope on my doorstep from the Alliance & Leicester having settled in full!!!

 

I couldn't and wouldn't have had the courage to do this without the help of this site and everyone has my sincere thanks for all their help.

 

Am off to pop cheque in bank now - good luck to all still awaiting settlements, although I am sure you won't need luck! ;)

 

Thanks again,

 

Sarah x

 

Wooohooo great news jovi, strange I have heard nothing yet and I filed a few days before you did. Watch mine be the one they do defend in court :eek:

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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