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    • Thank you Dave, yes I have been reading a lot, but as you already mentioned mine is court one for some reason. Yes, the CPR request - printed and sent after completing the AOS online, as per dx's instructions.   And yeah the full timeline had me scrapping the vehicle and moving to new place in between the date of alleged contravention and receiving first "debt recovery" letters. To none of them did I respond as all of them said that I cannot dispute the charge as seen in the letter attached. 02/01/2020 - alleged contravention 29/11/2020 - scrapage of mentioned vehicle that I was still the registered keeper of and V5 had my address of the time on it since DVLA was reaching me and they had my details from them it should be correct 02/02/2022 - I move to my new place 18/01/2023 - first letter of debt recovery to my new address 21/11/2023 - letter of claim raised to county court Funny enough I never used that parking, so since I didn't see the pictures (the PCN or any reminder was never sent to my address in the first place, on the 18/01/2023 it was literally the first contact) I cannot even take a look whether it was my housemate as he sometimes borrowed my car, but then again I checked my emails and everything and on 01/01/2020 I was flying into the country back from holiday and was landing at Luton London Airport so me myself definitely had no business in Stansted area. I cannot even check for mercy period, whether that was actually my car or reg clone, nothing, as I never had that letter in my hands, sadly.
    • Good grief, this has to be one of the most stupid invoices issued for the most petty of reasons that we've seen here. What was the reason for your two visits? I ask as there may be the chance of getting the leisure complex to intervene.
    • Under UC there is no actual need to claim carers allowance, as long as you declare that you are caring for X for 35 hours per week and confirm they are in receipt of AA on the claim, they will verify you as a carer and you will then not be subject to the MIF, but will stil need to decalre your income and expenses each assessment period. This is because as a care, you are not expected to be available to work or have to look for work.
    • Yes, if you do a search on the forum you will see we have a lot of threads for this place.  It's basically a scam site. Yours is only the second case we've seen in years & years where they've done court though, undoubtedly because you'd moved and you didn't reply to a Letter of Claim. When you wrote "printed and sent" you did mean the CPR request, right?  
    • Please check back for a reply tomorrow. However we would like you to repost your story please in a more succinct manner and properly spaced and punctuated. It is very difficult to follow solid blocks of text especially on small screens such as telephones. It would be helpful if you could present your story in a structured bullet pointed chronology and less narrative please       
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MBNA ABBEY can't find my agreement. Help


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I wrote to MBNA in November asking for my CCA for all my accounts with them. I received 2 agreements back but not the Abbey CC one which they have taken over. I wrote to them again in January and February as they were well outwith the time limit with no response. I hacve continued paying them in the meantime but today I received a letter saying that they were trying to obtain documentation from the other lender(abbey).

They have then said that I should continue paying them and quoted the judge from Mcguffick v RBS who apparently has said the lender can continue to demand payments even though the lender has not complied with the Act.

 

It is quite obvious that they do not have the agreement - what should I do? I was going to stop payments and see what they did as they have continued jacking up my interest rates even though I have never missed a payment to the point where it is becoming difficult to pay every month.

 

Why would they take on a load of accounts without the relevant paperwork in the first place?

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Hi There

 

I am in the same boat they still have not sent an agreement after 9 months , I did report them to the FSO and won regarding the interest rate jacking, have you done this yet? if not its worth dong as they usually back down and all the extortionate interest is returned to you which will keep your repayments lower. Hope this helps

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How did you do this? Can you please expand on your post as I have an Abbey and MBNA and they have hiked up the interest that much that I only pay about £5 each month off the capital!

They have, however, provided agreements. I am unsure as to whether these are enforceable or not though as I don't seem to be able to get my head round it and need to be sure before I do anything. No replies have really been forthcoming and I was quite disappointed as I was hoping to get help from other more experienced members on here. Would you mind having a look for me please and giving me your opinion as you obviously know what you are doing. Many thanks.

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I would be really interested if you have had any interest returned. I complained to MBNA about my other card and they have reduced my interest rate from 34% to 24% - still extortionate compared to what I took the card out on and disgusting behaviour from them considering I have never missed a payement in 14 years. Should I write to them and request a refund of interest or complain to FOS

 

They still can't find my Abbey agreement and keep sending me letters saying they are looking for it - delay tactics!

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