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    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
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    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
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series3 v MBNA/Optima


Series3
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I'll do it a.m.

thanks for your help it is very much appreciated.

just checking but would it have to be in on the 24th Feb?

the claim was dated 22 Jan..

thanks again snooper

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How long do you have to file the required responses to a claim?

 

Counting from the date of issue -

Acknowledgement of Service:

5 Days (service) + 14 Days = 19 Days. (An Acknowledgement of Service gives 14 days extra from the date of service to file a defencelink8.gif).

 

So, the AOS must be done by 10th February

 

Defence, after filing Acknowledgement of Service:

5 + 14 + 14 = 33 Days in total.

 

Therefore your defence must be submitted by 24th February, as you have correctly calculated.....I'd err on the safe side though and get it submitted a bit earlier. ;)

 

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Thanks again.

I received a letter from Optima this morning

It says.they received my cpr31.14 and they have asked their clients (MBNA)

It also said they may not be able to get then within the time (7 days)

then, last line.

In any instance our file is to remain on hold until all documents have been provided.

 

What do they mean "on hold"?

I take it I'll have to file an embarrassed defense to court if I don't get the documents in time..

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I have read it, over and over.

now, at this stage, do I try to get the court to enforce an order compelling them to give me the documents relating to cpr31.14?

or.

wait and see, file a defense and then in the defense tell the court I have had not received the documentation I asked for.

I don't want to mess up with the timing.

I have read the thread but I am no wiser as with when I ask the court for a compliance order.

 

does that sound right.

I'm also asking if I'm doing this right.

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You need to ask the Court for a Compliance order now.

 

The Courts are tiring of seeing embarrassed defences as it is clogging up the system.

 

As you can see from what pt2537 has written, you are taking control of the situation by submitting an application for CPR 31.14 compliance and will put Restons on the back foot............it will show them that they have to put up or shut up; i.e. discontinue.

 

If you wish to submit an "embarrassed" or holding defence then this allows Restons to dictate terms and drags the case on and on.

 

You will have also noted that if there is no Agreement then there is no case to defend; you then apply for a strike out of the case.....and claim your costs.

 

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  • 2 weeks later...

Today..I got these from Optima..

they came with a copy of the latest terms and conditions..

 

personal data removed.

 

this is front and back of my cca....

th_70187_mbna_cca_front_122_175lo.JPGth_70204_ccatandc_122_1069lo.jpg

 

 

I need to get a defense to court by the 24th February.

To me it looks just like an application. I doubt that anything was on the back but I can't be sure.

what do you think?

and why have they not sent terms and conditions that were from 2001?

Edited by Series3
Page two deleted.... Personal details visible from fron of doc.

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I actually remember filling this form in when I went to the RL Cup match at Twickers...I got a free hat....

I have noticed that where I sign..It does say to read section 11 0f the T & C's...

the ones on the back are on about not charging interest for 5 months ..

 

clearly not anything to do with this Application.

 

any help?

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Oh dear, what have Optima sent you ?

 

If you look at the date codes on the two scans at the bottom right hand side.

 

In the first scan it reads DP-01-01-319-M

 

The second scan reads 12-00 and is a typical MBNA tear off agreement which doesn't fit a Virgin Agreement.

 

Have a look at this link and you'll see why - http://consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/609-mbna-agreementsapplication-forms

 

I don't see any tear-off perforations on the first scan.

Edited by supasnooper
correction

 

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it is an mbna card, not virgin...

I filled the form out at the entrance to a rugby match.

There were no terms and conditions.

 

thanks for looking.

I am going to need a little help with a defense. It has to be done and in by Tuesday/Wednesday.no Agreement then there is no case to defend; you then apply for a strike out of the case"?

would I be right in thinking what you said earlier "

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Hiya, I haven't got any advice for you but just wanted to say that I am in exactly the same boat with MBNA/Optima and ironically the same time scales! They also issued my CCJ on 22nd Jan and I have to file my defence by 24th Feb. Like you despite reading lots of the threads I'm still a bit bewildered as to what to put in my defence. I haven't received a copy of my CCA yet despite sending off a CPR31.14 and previous to that a CCA request. My thread is here http://www.consumeractiongroup.co.uk/forum/legal-issues/245171-mbna-optima-legal-court-2.html#post2780807 if you would like to have a look.

Good luck with everything and if I find out anymore I'll let you know.....

Onwards and upwards!!:)

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thanks, I have seen that thread and I'll re-read it.

I'm sure we'll get some advice (hope so)

If you look further back, this is what they sent after my cpr 31:14 request.

it took longer than the 7 days but...

I'm still waiting for the SAR from mbna.

I said earlier that I remembered when I filled it in, bit of a rush job. Outside the ground, all because of a free hat. lol.

anyone else any ideas about my defense please?

I need to let them know it's not a CCA, just an application for a CC.

Would it be an embarrassed defense, to see what comes back for the SAR?

Or should I go for a strike out because the lack of an enforceable CCA?

thanks in advance.

 

Series3

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I'd say its unenforcable as it stands.......... but theres no accounting for the judge on the day (if it gets to a hearing stage).

 

Build up as much data as you can on any other discrepancies with the way your account was terminated, always best to have a second line of defence just in case

 

Gez

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the "terms" they have copied to the back of the application have NO default charges.

they also have an APR of 15% or something like that.

I was only paying around 7% for a long time..(until they got mad at me.)

they started by dropping my credit limit by £9.500

then again by £5.800.....to £2.200. thus adding £12 overlimit charges.

I will check through my statements in the morning.

Has this any relevance to my defense?

I really would like to shove this one up them, just because the way they became aggressive at the first instance.

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Have another read of your DN, refers to term 8 of your agreement......me thinks not :rolleyes:

 

That gives you 2 documents referring to terms in a 3rd (which carries the PT's) which has no relevance to either.

 

You really need to double check all the details of your case and refer each to the relevant CCA section to ensure you don't get caught out with a simple mistake.

 

You mention they have been reducing available credit over a period of time, assume you now have default arrears noted on the DN at the difference between current balance and credit limit?

 

The agreement really shouldnt pass any inspection but if you get a creditor friendly DJ you never know.

 

Gez

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Right, had another look at your CCA attachments and....... unless they've become proficient at photoshopping ghosted images together there may be a slight issue.

 

I had a play around on photoshop to see if I could improve the resolution and pick out any other details and I can read all of your personal info on the reversed image.

 

I still think they've overlayed the front to reverse and bodged something together but you'll have an argument on your hands to rebutt their position.

 

I've seen this on several other threads and condition/term 11 always seems to come up as not being on the reverse.

 

May be worth jumping into some other threads (check for Won in the search tab) to see how they went about getting a discontinuance or strike out on this basis.

 

Would also think about taking your attachments down and rescanning with the reversed image top section covered.

 

Gez

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the scans are what optima sent. It was one page printed on both sides.

I'm sure the they put them on one sheet of paper to make believe that's where they belong.

the paper is just standard printer paper, so quite thin.

I'll re-scan and cover the front.

I can read most of the terms and conditions on the back apart from the interest and apr bits, they are blurred...

I have a couple of days to get a defense sorted so no great rush.

I doubt there is a thread on here that I haven't read. Some are sooooo long.

I know what I need to get across but putting it int words is another thing.

all your comments are appreciated

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