Jump to content


  • Tweets

  • Posts

    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Mrs Ms mum v mbna


MandM
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4601 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My mum is 75 and has no clue about money so when she got her virgin card she spent, she did not understand about apr, interest and minimum payments so subsequently got into financial difficulty along with other debts. In Feb this year I took over her finances when I realised that most of her pension was paying off these sharks, leaving her very little to live on.

 

I wrote to all her creditors and explained the facts they were all very nice about it after a few rows over the phone.

 

All except MBNA who started off nice and then decided that they werent going to get enough out of her so ignored everything I told them and carried on sending THE LETTERS.

 

To cut to the chase, she received a default notice 9/10/09 remedy date 26/10/09..

 

Lo and behold she received a letter from Experto Credite 23/10/09 advising her that they had bought the account from MBNA.

 

At the momemt we have a thread going in the forum with exactley the same thing so when I saw hers I thought here we go again.

 

I am sending the CCA tommorow to both experto and MBNA.

 

mumdefaultmbna-1.jpg

 

mumletterexpertus.jpg

 

:lol: mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Have you kept the envelope the DN was sent in ?

 

If not, try to find it.

 

Mrs Ms Mum didn't know the significance so didn't keep it. However, very interesting that they sold the debt before the DN time expired don't you think!

Edited by MandM
typo

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

I don't think they can dispute termination then.

 

I'd suggest that you send a Subject Access Request off to MBNA, specifically asking for the "Comms Log" .

 

This will provide you with the complete detail of how the account has been operated by MBNA.

 

Thanks SS. It's on it's way ;)

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Oh dear,

looks like they have done it again. I bet you a £1 they sold it on way before the DN was up. Did you get your comms log out of MBN@?

 

Shame they couldn't even be bothered to put arrears on. Not even bus fare home.

 

 

Pumpytums

Link to post
Share on other sites

Oh dear,

looks like they have done it again. I bet you a £1 they sold it on way before the DN was up. Did you get your comms log out of MBN@?

 

Shame they couldn't even be bothered to put arrears on. Not even bus fare home.

 

 

Pumpytums

 

He he. Not got anything back from MBNA although Exspurto said on the phone that they owned the debt :).

 

It's one tradgedy after another with this lot - makes it more fun for us though.

 

As you've probably spotted there's no movement on ours yet so in dispute and awaiting their response ;)

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

  • 1 month later...

Hi all,

 

SAR has arrived :D.

 

1. The comms log shows quite clearly that the debt was sold BEFORE the deadline date on the DN.

 

2. It also shows that the debt was sold to EXSPURTO CREDITE and not VARDE!

 

3. There was NO copy of DN in the paperwork (but it's on the comms log and we have the original).

 

4. They have not sent copies of statements. However, they have sent a document called "Transactions" which appears to be a long summary of all transactions on the card from start to finish. It's not broken down anymore than that.

 

Starting in May 08 there is a transaction called "FINANCE CHARGE" and this transaction appears every month thereafter (different and increasing amount each time). Anyone have any idea what this may be?

 

We are going to ask for actual copies of the statements as this may shed some light on it but just wondered if anyone else had come across this description.

 

Many thanks,

 

M

Edited by MandM
Typos

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Just bumping. Any thoughts appreciated.

 

Thanks,

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Right as regards to the MBNA Default Notice the bit that says "IMPORTANT YOU SHOULD READ THIS CAREFULLY and then goes on to say DEFAULT NOTICE SERVED UNDER SECTION 87(1) BLAH BLAH BLAH.

 

That has to be boxed.

 

Would be interesting to know why they have taken the box away as they used boxes for that part before.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites

ty PF. Never spotted that! They seem to have removed that generally as I have others too.

 

Good luck for Thursday btw ;).

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Thank You MandM.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites

Can anyone advise me on a letter to send to MBNA asking for the statements for the account and not the transaction logs that they have sent.

 

Thanks Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Can anyone advise me on a letter to send to MBNA asking for the statements for the account and not the transaction logs that they have sent.

 

Thanks Mrs M

 

I understood that an SAR would give actual copy statements similar to those issued each month?

 

Any views on this?

 

 

Also, what about this?

 

4. They have not sent copies of statements. However, they have sent a document called "Transactions" which appears to be a long summary of all transactions on the card from start to finish. It's not broken down anymore than that.

 

Starting in May 08 there is a transaction called "FINANCE CHARGE" and this transaction appears every month thereafter (different and increasing amount each time). Anyone have any idea what this may be?

 

We are going to ask for actual copies of the statements as this may shed some light on it but just wondered if anyone else had come across this description.

 

All comments welcome

 

 

thanks,

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

  • 1 month later...

Hi Mrs M Here.

 

Catching up on thread. As follows:

 

CCA to MBNA & Experto end of Nov 09. No reply,put Account into Dispute Begining Jan 2010.

 

Received following letter and some ones idea of an agreement. Not sure who the letter is from as not headed paper and no address.

 

mbna.jpg

 

mbna2.jpg

 

Received letter from Experto

 

experto.jpg

 

anyone got any ideas on this one not seen this before

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Sorry forgot to mention in last thread experto sent letter and agreement in Feb 2010.

 

experto2.jpg

 

005.jpg

 

Obviously I am now stumped as to what is going on. Who sent the other agreement.

 

The fact still remains that they sold the account on before the DN was up, so will wait and see what happens on the MBNA thread just not sure what to do with mums account now.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Hi Mrs M send my regards to Mr M,

oh dear MBN@ have asked for the full amount (they have haven't they?). They have therefore unlawfully rescinded the account on the back of a faulty DN. I would suggest writing to them and accepting it.

 

This may help

 

Dear Sir/Madam

 

Re account no xxxxxxxxxxxxxxxxxxx Unlawful Rescission.

 

With reference to the alleged debt to your company, I refer to your Default Notice dated xxxxxx, posted second class and received by me on xxxxxxxxxxxxxx, and your subsequent actions confirming your previous written intentions to terminate the agreement.

 

Notwithstanding that the default notice failed to give me the required statutory time in which to seek legal advice and/or remedy any alleged defect, as laid out in s87 of the CCA 1974, your actions have resulted in insufficient time for me to even obtain an appointment with a solicitor let alone remedy the alleged default. Your recent actions have lead to you unlawfully rescinding the agreement.

 

I accept your unlawful rescission of the agreement I note that you are now entitled to claim those arrears genuinely due at the time of the termination (not including any unlawful charges ) and I would be obliged if you would advise me of the exact amount of those arrears, against which will be a claim for unlawful rescission.

 

 

Should do the trick, many believe you need to accept their rescission of the agreement I agree after reading through CAG. This can be by stopping payments or sending the letter or both. You need to be seen to have taken some form of acceptance. There are cases where the lack acceptance has caused cases to be lost.

 

Pumpytums

Link to post
Share on other sites

Thanks Pumpytums

 

Will send the letter off tomorrow recorded.

Don't want to sound really stupid but I am assuming I send that letter to MBNA.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Hi just sitting here having a cup of tea and I suddenly thought of something that happened at my mums last week and thought I would share it with you for a laugh at the end of the day.

 

The phone rang and mum answered, a chap said can I speak to mrs ***

mum handed me the phone, He said "Is that mrs *****" I said "yes".

"This is so and so from experto,he said" I put the phone down. 10 seconds later he rings again."I'm sorry mrs ****,we appear to have got cut off". "No we did not I put the phone down on you". I hung up again.3 minutes later he rang again. "Can you stop putting the phone down on me" he said. "No I said this is the best fun I have had all day and I can keep this up all day,"I put the phone down again, he never called back.ahhhh

 

I have now told mum if anyone calls from them put the phone next to the telly and turn the sound up.

 

Goodnight

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Hi just sitting here having a cup of tea and I suddenly thought of something that happened at my mums last week and thought I would share it with you for a laugh at the end of the day.

 

The phone rang and mum answered, a chap said can I speak to mrs ***

mum handed me the phone, He said "Is that mrs *****" I said "yes".

"This is so and so from experto,he said" I put the phone down. 10 seconds later he rings again."I'm sorry mrs ****,we appear to have got cut off". "No we did not I put the phone down on you". I hung up again.3 minutes later he rang again. "Can you stop putting the phone down on me" he said. "No I said this is the best fun I have had all day and I can keep this up all day,"I put the phone down again, he never called back.ahhhh

 

I have now told mum if anyone calls from them put the phone next to the telly and turn the sound up.

 

Goodnight

 

Mrs M

 

Good on you Mrs M.

Have you sent them a telephone harassment letter?

 

They tend to ignore them but it keeps it official.

 

 

Pumpytums

Edited by pumpytums
Link to post
Share on other sites

I sent them an harassment letter last year and up until last week they have been quite good about not phoning,but obviously with all the stuff going on with the experto stuff they are probably getting worried.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

I sent them an harassment letter last year and up until last week they have been quite good about not phoning,but obviously with all the stuff going on with the experto stuff they are probably getting worried.

 

Mrs M

 

Yes its coming up to the end of the financial year. Some people have received letters referring to a personal call from Credit management Consultants CMC, which is still Exspurto just another name they use apparently. So the old Exspurto threat wagon is indeed in overdrive/reverse.

 

Pumpytums

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...