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    • I don't think they even deserve a reply...    We do have a solid case don't we?? Even though mum corgot the pop that time??
    • To start, my address both on my logbook and with the DVLA are correct.  The first I knew of the bus lane fine was when a woman on another floor in my building posted a photo of a letter addressed to me but with her address on it, on the building's facebook group. I obviously recognised my name so contacted her. She said she'd been receiving these letters for me for months but only asked in the group if anyone knew me when the bailiffs were at her door.  I contacted the debt collection agency and Manchester Council and was told to appeal. So I did and explained what happened said I was more than willing to pay the original fine but its now at over £400 and I would have paid straight away if the letters had gone to the correct address. Months have passed and I have just been told (with no reason) that my appeal was unsuccessful and I need to pay the full amount.  Any help would be appreciated! It just seems so unfair!
    • Exactly right Bank!  I had an email this morning from HM Courts and Tribunals Service Civil Money Claims: Dear Mr xxxx Claim number: 527MCxxx Parcel2Go.com has been given an extra 14 days to respond to your claim. They need to respond to your claim before 4pm on 4 June 2024.  Anyone would think you've been through this before!
    • OK, understood. The second decision to make, given PE are wobbling, would be whether to reply to them (well after 8 May to show you're not scared of them), ridicule their offer which is no offer at all, and ask them to make a serious attempt to settle.  You never know, they might offer a few quid as an out-of.court settlement and it might save your mum having to do court. Just an idea.  Something to consider.
    • If we are sure we have a valid case, she's ready to go to court. Her sister is going with to help with her hearing difficulties,  so we might as well see it through!!  
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    • 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.

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MBNA SAR Request


Tony1978lfc
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Hello

 

Recently i sent a SAR request to MBNA and got the CCA back with it.

 

I got the credit card in August 2005. The agreement itself was completed and signed in a football shop, through a Rep from MBNA who was there.

 

Looking at the CCA i've noticed they, the credit card company, hasn't signed the agreement. Is this valid?

 

Finally MBNA have recently put up my interest from 15.9% to 34.9% and i have never read or signed anything for them to do this.

 

It may all be above board. Could someone me help please? :)

 

Here is the front and back of the agreement.

 

The front has terms 1 - 3b. It mentions section 4 on the right hand side before missing payments, but that isn't on the sheet.

 

88872171.jpg

 

 

On the back sheet the rep filled it in and i initialed. The rep never asked for my bank details.

 

At the bottom of the page "For representatives use only" i've noticed a few things like "completed by customer" the rep ticked the boxes yes and no. She never asked for any ID either. And finally their is no signature of the credit card company on the form.

 

28982582.jpg

Edited by Tony1978lfc
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Hi Tony,

 

I would remove the other personal details so that it is not recognisable to others who may be 'watching'!

 

The rate increase is typical of many on here you are not on your own!

Edited by Dotty50
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As MBNA haven't signed the application form, it only makes it an unexecuted agreement and could still be enforced by a court.

 

Have a look at these links which may help you decide on the enforceabilty of the paperwork (courtesy of 42man & steven4064) -

 

 

Is My Agreement Enforceable - Useful

Consumer Credit Agreements

 

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