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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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MBNA CCA only 1 of 2 received


lochlisa
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I have 2 accounts with MBNA.

 

I requested CCA on both accounts but have only received one and they are now out of time for the other.

 

The signed agreement is from 2005 and it is only one sided photocopy which is off poor quality.

 

They have also included an 'up to date' terms and conditions print out.

 

What do I do now?

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look in the template library..............

 

The Consumer Forums - Debt collectors

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

MBNA have ignored CCA request and follow up and now I have MBNA and Global Vantedge both chasing payment despite MBNA not complying with CCA.

 

I have written the Account in Dispute letter to MBNA and this has gone ignored and now I am getting hassling phone calls and letters from Global Vantedge.

 

The address for Global is India. Do I really send the 'get lost' letter to India?

 

Any advice much appreciated.

 

many thanks,

 

Lisa

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The letters that I have received from Global Vantedge don't give an address to post to. They have an address on the bottom of them, however it says do not send any correspondence there.

I sent my letter via MBNA and enclosed a copy of the letter for MBNA and copies of all my other letters sent to MBNA, requesting CCA, account now in default etc.

 

Hope this helps

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Global Advantedge are based in Uydog Viyar, Gurgaon, India, this is also the address that is posted on their letters across the bottom. They are merely collection agents, requesting payments over the phone. Don't send anything to India, it will take an age to get there (if they ever get it) and they would only forward your letters onto MBNA themselves. Send all letters and payments etc to MBNA at the Chester address.

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  • 3 weeks later...

Hi, sorry you were missed.

 

If you haven'tput the account into dispute yet, do so.

 

You can complain to the FOS but also include the OFT and trading standards.

 

you could always complain to MBNA and inform them of your actions.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 1 month later...

got a weird letter from MBNA this morning stating that they are writing off one or more of my debts with them?

 

does this mean they cant find the CCA and are giving up or do they realise they have no chance of getting it from me?

 

thanks

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Often they use the words 'write off' then go on to say that the account will be sold to a DCA - have they done this? Would be useful if you could scan in the letters, or type up the entire content so it can be put into context.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Content of letter :-

 

 

Dear Lisa,

 

Unless you call to make payment arrangements, at least one of your credit card accounts issued by us or those issued on behalf of our affinity partners will soon be written-off as a bad debt. This means that the full balance of the account will register as a Default with the credit reference agencies, and it will not release you from your obligation to repay the total debt of £ xxxx.xx as listed below.

 

Card 1 - xxxx xxxx xxxx xxxx Balance xxxx.xx Payment due xxx.xx

Card 2 - xxxx xxxx xxxx xxxx Balance xxxx.xx Payment due xxx.xx

 

In addition to a default being registered on your credit file, you should be aware of the consequences that could follow should we pursue further action. Depending upon your locality we may seek a County Court Judgment / Sheriff's Court Decree against you. This may lead to a Charging Order/Inhibition Order/Order Charging Land being placed on your property that could result in any available funds being distributed to MBNA (a Bank of America company) following the sale of your property. Alternatively, your employer could be ordered by the court to make deductions from your salary through an Attachment of Earnings / Earnings Arrestment.

 

Your failure to make timely payment arrangements forces us to consider all of our options. We are prepared to work with you and are here to help, but we need to hear from you. Please call xxxxx xxxxxx, Monday to Thursday 8am to 9pm, Friday 8am to 5pm and Saturday 8am to 12pm.

 

Yours sincerely,

 

 

Head of Customer Assistance

120 Day Pay Letter

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