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    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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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 Credit card debt/ charges reclaim


mikesmotor
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nothing phishing trip

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can anybody help.

 

We are in the middle of a disputed debt with link financial. Our next step is to ask for a true copy of the aggreement. My question is, what is the fee we have to pay for these documents. I have information that says its £1.00, can anybody verify please.

 

Regards

 

Mike

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Hi All

 

As a result of a recently sent letter we have just received a copy of an application form for a credit card for a completely different financial organisation than the one claimed by Link financial. Any advice would be appreciated.

 

Regards

 

Mike

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Hi Alf

 

No this is a reply to a preliminary letter sent by registered post last Monday stating either 'put up or shut up'. Yes it does state correct name and address at the time of application but it is forn the Bank of Scotland and not the MBNA who it would appear is their client. Hope this is adequet.

 

Regards

 

Mike

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Hi Alf

 

This is in fact my wife's account and the application was made in 1998. Yes it would appear to have her signature but there is also other writing and scribling on it. I cant remember the outcome of this application.

 

Regards

 

Mike

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Hi Alf

 

We sent a formal reqqest letter for a copy of the credit aggreement with MBNA with the £1 postal order. We've just got back exactly the same Bank of Scotland application form as before with the statement that 'under section 77 and 78 of the Consumer Credit Act 2006 this document fulfills our obligation.' Any advice on what to do now any help woul;d be appreciated.

 

Regards

Mike

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It would appear that MBNA did take over the management and servicing of a lot of card brands from various issuers

So when you applied if could well have been originally Bank of Scotland

All these card brands are now managed by MBNA

 

Alliance & Leicester

Arsenal FC

Battersea Dogs & Cats Home

Blackburn Rovers FC

Breakthrough Breast Cancer

British Heart Foundation

BT

Celtic FC

Chelsea FC

Cheshire BS

Dunfermline BS

England Football

England Rugby

Liverpool FC

Manchester United FC

MBNA

Melton Mowbray BS

National Aids Trust

National Association of Head Teachers

National Trust

Newcastle United FC

NFU (National Farmers' Union)

PDSA (People's Dispensary for Sick Animals)

RAC Financial Services

Rangers FC

SonyCard

Southampton FC

Tottenham Hotspur FC

Unicef

Virgin Money

WWF (World Wildlife Fund)

 

and here is a list of of Lloyds banking group brands, which include Bank of Scotland.

 

AA Financial Services

Accucard

Air Miles

Amazon.co.uk

aqua Card (for adverse-credit borrowers)

Bank of Scotland

Birmingham Midshires

Britannia BS

Cancer Research UK

Cheltenham & Gloucester

Create Card

CWU (Communication Workers Union)

easyMoney

Halifax

Harley-Davidson

Intelligent Finance

Lloyds TSB

Marriott

NSPCC (National Society for the Prevention of Cruelty to Children)

NUT (National Union of Teachers)

Sainsbury's Bank

SAV Credit (for adverse-credit borrowers)

Scottish Widows

SSPCA (Scottish Society for Prevention of Cruelty to Animals)

TUC (Trades Union Congress)

Unison

West Ham United FC*

 

 

Does any of these brand names appear on the application form?

 

A point also to make is that just because it is an application form doesn't automatically render it unenforceable.

It would depend if all the required prescibed terms were contained within the document.

 

Can you scan it (minus personal details) and post it on here so we can advise on its enforceability

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Hi Alf

Yes Bank of Scotland is on the Llodys group however they're saying its a MBNA card. Further, we do have a card account that was transferred to MBNA and that is being serviced in the conventional way, we know nothing of this account.

 

Regards

Mike

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  • 2 weeks later...

Hi Alf

 

further to my recent posts we sent link the 'account in despute' letter 12+2 days after the first letter. They've now replied saying that the bank of Scotlant application form fulfills their obligations under the CCA and don't consider the account to be in despute. Any advice from you or anybody with any expertise would be gratefully received.

 

Regards

 

Mike

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  • 2 months later...
  • 2 months later...

I wonder if anybody can help. I have been paying off an MBNA credit card for some time now with a set ammount by direct debit. Despite frequent requests MBNA still refuse to send me a statement so I don't know what interest is outstanding or how the payments are affecting the balance. What is the legal standpoint on the production of regular statements.

 

Thanks in advance

 

Mike

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