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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • 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.   
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MBNA Credit Card and Arrears after paid balance in full


medievil2003
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Hey guys,

 

I paid my mbna credit card in full a few months back now, and i have only just received a letter to say my account is now in arrears and will be noted down as a missed payment on my credit file.

 

I telephoned them and they very simply stated this is the interest on your balance that was due before you paid the card off, i understand that and i made damn sure when i paid my card online and confirmed the payment over the telephone that this was the FINAL payment and no further payments will be neccessary after this payment is made...I even asked about the interest for next month and they told me thats covered.

 

The lady on the phone which i presume is the arrears collection department said it does not matter what they said, you are still in arrears.

 

I can't see how this is fair and i have not paid it yet, do you think i should pay it and then dispute it and possibly try and ask them to remove it from my credit file? For years now i have never missed a payment and this has really pis'd me off after i pay them all their money.

 

Any advice would be fantasic.

 

Thank you,

 

Mehdi

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Hi,

I would stick to written communication from now on.

 

I would put in a complaint explaining everything you have put above. You never know, they might just have a sudden flash of compassion:!:

 

If you can remember the dates of the payment and the phone call, it may help you to SAR them.

 

Would there be any late payment charges on this account?

 

Fox

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Hey guys,

 

I paid my mbna credit card in full a few months back now, and i have only just received a letter to say my account is now in arrears and will be noted down as a missed payment on my credit file.

 

I telephoned them and they very simply stated this is the interest on your balance that was due before you paid the card off, i understand that and i made damn sure when i paid my card online and confirmed the payment over the telephone that this was the FINAL payment and no further payments will be neccessary after this payment is made...I even asked about the interest for next month and they told me thats covered.

 

The lady on the phone which i presume is the arrears collection department said it does not matter what they said, you are still in arrears.

 

I can't see how this is fair and i have not paid it yet, do you think i should pay it and then dispute it and possibly try and ask them to remove it from my credit file? For years now i have never missed a payment and this has really pis'd me off after i pay them all their money.

 

Any advice would be fantasic.

 

Thank you,

 

Mehdi

 

Hi medievil2003,

 

Hmm not nice but only what we've come to expect from credit card companies... all of them put on the statements that the balance shown may not be the full outstanding amount as there will be interest for the period after the statement date to add. :-x

 

Normally when you phone and agree on a balance and pay it there and then or within 24hours the amount quoted IS the amount you have to pay and thats the end of it.

 

So the key point I think is how long after being told the balance you actually paid it off. Also I dont suppose you recorded the telephone conversation by any chance?

 

Phoning them will probably not get anywhere and you'll have no paper trail just in case you want to take it further so I wouldnt phone them again.

 

Number of options as I see it:-

 

a) You can write to them as a formal complaint and set out what was agreed and the dates of payment etc and request they sort it out.

 

b) You can add to a) That you will be happy to refer them to the FOS (which will cost them £450) when they give their final response

 

OR

 

c) You can add to a) You will take them to court and will claim damages to your credit file if they make ANY negative markers in relation to this.

 

Meanwhile if you dont pay you can expect them to mark your creditfile

 

S.

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hey, thanks for your fast replies. thats some good advice both of you.

 

ok, i think i shall be writing them a letter explaining everything. The late charges have already been added but the lady on the phone said - "as a good will gesture we will remove the £12 charge".... thanks? lol

 

I shall write with a formal complaint first, but unfortunately i cannot remember when i spoke to them because i also closed the account so they should have it on file exactly when i closed it. If i dont get any joy from them the next letter will be as you said i will refer them to the FOS.

 

So do you suggest i pay this arrears? im worried that if i pay it and i have already closed my account they will come back to me and say there is nothing else we can do as you have closed it.

 

Thanks again

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