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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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Sold on to Idem


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Hi Chaps,

 

I have a friend who's MBNA account has been transferred to Arrow Global, he was notified by letter on 15th January 2012.

 

He has never been in touch with MBNA or anyone else since he defaulted 18 x months ago, and would therefore be a non-payer.

 

So this seems to follow what toxicdebt thinks!

 

 

J.

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  • 4 weeks later...
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Hi Guys,

 

I have been reading with interest as well...

Iv had a letter today stating that my debt with MBNA is now been sold on to Idem.... Do i keep paying MBNA as i trust them or do i start paying Idem who i have never heard of before?

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Hi bangers

 

My letter from Idem gives me the choice of paying MBNA for the time being or paying Idem direct. This is I think a matter of slow tactics. Idem tell me that my legal rights are not affected by this transfer (ho bleeding ho). I am not minded to pay them until they provide a CCA and statement of alleged account. Interestingly my credit file shows this a/c as absent on one and settled on another. I have not yet communicated my mind to them.

 

I hope this helps.:wink:

 

x

 

v

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Hi VS

 

Thanks for the reply, I will be giving MBNA a call in the morning with my concerns about my DMP with them and to see if Idem will honor that agreement.... Also whats worrying me is on the letter that MBNA sent me with the Idem letter in it there is no balance on the amount i have left to pay!!

 

Cheers :???:

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Indeed bangers

 

No balance or statement is a curious state of affairs.

 

One is reminded of the EU Credit Directive and that they are accountable for our legal rights. I don't think MBNA will shed much light as much as sh*t; hence slow tactics innit.

 

x

 

v

 

 

PS There are inquiries about the tax relief treatment of carousel debts by casino bankers.

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Yep, had my letter saying it was sold to Arrow, guess what,, Hippy code no 1 kicked in,,, original creditor has sold so lets see an CCA please, nothing forthcoming yet so they have been told ACCOUNT IN DISPUTE....

 

Now there is a lot of scaremongering here about charging orders. the fact is like Vic I have no equity at all and this would be my que to just stop paying me mortgage and secured loan and go and get a rented flat..... But as Vic say's, lets see what they have on us. Most MBNA CCA prior to 2007 are either lost, or unenforceable for one reason or another. As for Charging orders this is a long way down the line and to put it in perspective it would be a restriction not a charging order as such.

Edited by Happyhippy1959

[sIGPIC][/sIGPIC]Happyhippy1959

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Quite hh

 

And why is no balance shown or acceptance of legal obligations regarding previous repayment arrangements with Bank of Yanks; MBNA; Morgan Stanley; Dean Witter.

 

It's a wonder that we won the war; but I suppose we finished our Lend Lease DMP after only 40 years.

 

x

 

v

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Excalibur 48 missed 2 dmp-iva payments to Mbna in Jan, Feb! GOT A DEFAULT NOTICE/LETTER OF TERMINATION/ RESALE TO IDEM SERVICING BUNDLE-Dated 05:03.12-again "no notice", new Idem acc. No. ruse seems in place! paid Mbna for Jan, Feb and March! Advised Fos of no notice default. Termination and complained 2 Mbna CAO office!

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So threatening letters already! Havent they heard of BCOB REGS! post 2009-where they are required to treat customers, fairly and with civilty! are we customers or mere debtors! again no balance and CCA evident in corresp sent! Surely grossly ill re CCA Act 2003 and backed by UK banking regs!

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Hi guys

 

Pl see my post started 27 Jan in context of:

 

Licence History

 

Licence Details:

 

 

Licence/Application Number Licence Status Applicant/Holder Name 0642971 Current Idem Capital Securities Limited Event Details:

 

 

Event NumberEvent TypeDate of ReceiptClosed DateStatus 2Variation 22-Sep-2011 02-Feb-2012 Completed 1New Licence App 17-Mar-2011 20-Apr-2011 Completed

 

maybe gunning the jump?

 

x

 

v

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I've been just reading this thread for the first time this evening.

 

I made a full and final offer to MBNA in January 2012. There was no reply but I did notice on my CCCS account that IDEM Capital Securities had taken control of the debt.

 

I never received any letter to confirm this, so I sent the same letter to them that I sent to MBNA. 3 weeks later and I have still not had a reply.

 

They don't appear to be playing the ball here. Unless of course I'm on a long list of people awaiting responses.

 

I will keep this thread updated with my experience with IDEM.

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  • 3 weeks later...

Interesting guys, my mbna account defaulted jan 2010 and I hadn't heard any thing since then, untill a letter arrived 24th Feb telling me my loan had been sold to AOF 2 sarl and will be administered by Moorgate loan servicing, who have appointed Arden credit management to deal with me, and guess what they're all part of the Paragon group, difference is I had no payment arrangement in place with MBNA, I've cca'd them as i've no cca and sent door step letter as well any advice gratefully received.

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Hi Guys 'n' Gals,

 

First posting here so be gentle!

 

I had a CAB generated agreement, (early 2010). with my creditors which got me out of seriously sticky situation. My wife had developed a rightside brain tumour, (Glioblastoma Multiforme Grade 4), which completely changed her. She became delusional and developed serious personality changes. She ended up divorcing me and I lost everything, (except the debts in my name).

Setting up a rented flat and furnishing it was done minimally, but I had work so.......

 

Now out of work since mid March 2012 and have written to all my creditors to get them to reduce my payments to £5 each. Sent them all a breakdown too. Adjusted the standing orders to reflect the situation and they have been in place now in March and April. They all appear to be happy now, but at 59 this later this year, the prospect of getting fruitful labour is somewhat dim!

 

I received a threatening letter while I was away visiting my Mum from HL Legal saying I hadn't paid and if I didn't respond by 17th April I could face court action.

I've written back today detailing the payments I've made and I'm not really worried about HL at all. I'm making the payyments as I said I would!

 

My concern is the on the advice of some members here, I signed up for Noodle and lo, there are Idem, where MBNA should be!!

 

No-one told me my liability was being sold to Idem and Idem have not written to me.

My questions are just a few:

1. Are MBNA allowed to do this without informing me?

2. Do Idem have a licence to be able to collect my debt?

3. Will Idem have to honour my agreement?

4. Is there anything I can do to get them to write off the debt given my age/employment prospects?

 

I look forward to your knowledgeable response.

 

In the meantime.....£5 it is!

Edited by hamadryad
Spelling!

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi Guys 'n' Gals,

 

 

No-one told me my liability was being sold to Idem and Idem have not written to me.

My questions are just a few:

1. Are MBNA allowed to do this without informing me?

2. Do Idem have a licence to be able to collect my debt?

3. Will Idem have to honour my agreement?

4. Is there anything I can do to get them to write off the debt given my age/employment prospects?

 

I look forward to your knowledgeable response.

 

In the meantime.....£5 it is!

 

Hi h

 

The blunt answers are:

 

1. No but Idem will swear blind that both MBNA and they wrote to you.

 

2. They do now.:wink:

 

3.No, but they are unlikely to do any more than threaten in your circumstances.

 

4. As 3; and the less you are able to pay them the sooner they'll get bored and flog it on.

 

x

 

v

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Hi Victoria,

 

Thanks for that!

 

I wonder if that means I can now stop paying MBNA through whom I took out a Virgin CC?

 

Since they will swear blind I'll demand a copy of the letter they sent to verify the action.

 

I have no fear of these kind of people. It is not my fault I am in this situation. There are more victims of cancer than those who have succumbed to that awful disease.

 

Bring it on, they can't have that which I do not have!!!

 

Nolli illigitimo carborundum!

 

x

 

B

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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My mbna acc has recently been sold to idem. My husbands mbna account has been sold to Britannica Recoveries. Are we too late to send a SAR to MBNA or do we have to send it to the new companies? One other question is there any logic behind selling the debts to different companies, I owe twice as much as my OH?

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Hi millie

 

You can SAR MBNA to reclaim charges, interest thereon and any PPI; this might also be the basis for placing the a/c in dispute.

 

As to your second question, MBNA have sold chunks of delinquent a/cs to various bunches of bandits; I suppose one would have to re-read 'Waiting for Godot' to find any logic in it.:-)

 

x

 

v

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Hi Guys,

Have read a lot about MBNA loans being unenforceable if they pre date 2007, can any one tell why this is ? and is that april 2007 ie financial year ? reason i'm asking is that my loan being chased by Arden credit management appears to date from Jan 2007, i've cca'd them and await there response any light would be much apreciated.

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Hi michelangelo,

Thats exactly what I want to know there are loads of references on various threads to this fact but have only been studying/ looking at site for about 3 days now, take your time to look through various threads its a gold mine but time and again mbna comes up with loans /cca's having been lost or unenforceable if they pre date 2007 any one help us out on this please ?

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