Jump to content


  • Tweets

  • Posts

    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • luckily like this thread VCS/DCB(L) PCN spycar capture - PAPLOC Now claimform - no Stopping in Restricted Zone - Bristol Airport ***Claim Dismissed*** - Page 4 - Private Land Parking Enforcement - Consumer Action Group although no on the crossing, same applies to you so WS time. there are numerous threads here on pedestrian crossing claimforms by VCS at Bristol and at other airports so use our enhanced google searchbox and find them. really a bad idea to vanish for SIX months and not been have reading up here.....................  
    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Experto/Varde now Arrow/Shoos Claimform - old MBNA card debt


roygoodbeat
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3928 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 209
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

  • 3 weeks later...

No response from the company regarding my subject access request.

 

Have had a letter from MBNA. They claim they have not unlawfully rescended their agreement and that they did not sell the debt until the end of October.

 

According the the company they have sold it to, they claimed mid October they had been sold the debt and they verbally confirmed this was sold approx beginning of October.

 

Still waiting for the subject access request I sent them.

Link to post
Share on other sites

After a few letters and random phone call all went quiet.

 

Now I have a Mr Green calling me on behalf of MBNA. Does not do any security checks when he calls, just goes straight into I am calling you regarding your MBNA debt or the money you owe MBNA.

 

Speaks very agressively on the phone.

Link to post
Share on other sites

Find out what company he works for if you can, and report them to the ICO for failing to carry out security checks - clear breach of the Data Protection Act.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...
Spoke to the new company after receiving a series of demands from them. They do not appear to have a copy of my subject access request despite them signing for it. Getting frustrated with this as this will simply prove unlawful recession.

 

Hi Roy,

 

Who did you send the SAR to out of interest?

 

Those of us that have found out the 'true' sold date have got that info through a SAR to MBNA. If you have sent this before to MBNA (I think you have without reading back) you may need to send them another one to get the info since your last SAR. Apologies if i've misunderstood, but your post above reads that you've sent SAR to the 'new people'.

 

M

 

Link to post
Share on other sites

  • 3 weeks later...

They have passed the deadline for 40 days after sending a subject access request. They sent me some basic info and stated that the rest will need to be sent from MBNA eg: Deed of assignement. They have not produced proof or proof of date when they were sold the debt.

 

I have sent them notice that they must respond within 10 days or else I would consider taking legal action against them. That's expired too and still no info.

 

I looked at my credit report and it does not state when it was sold to the new company.

Link to post
Share on other sites

Have requested this. The only thing they sent was a page from a PC. Looks like it was loaded on the 30th Sep which coincides with when they verbally told me that they would have purchased the debt. They wrote on the 14th Oct to say that they had been sold this.

 

MBNA claim this was not sold until 31st Oct but was identified before hand.

Link to post
Share on other sites

  • 3 weeks later...

What to do next??

 

I have now written to the Information Commissioner and threatened the new owners legal action as they have not complied with my Sunject Access Request.

 

MBNA have denied unlawful recession, they have said that they have done nothing wrong and the debt now belongs to another party.

 

My credit record does not show when the new debt was aquired.

 

What to do next?

Link to post
Share on other sites

Roy, they told me that my sale was identified beforehand but I have the evidence both in the letter from Hillesdens (dlc) and MBNA's comms log.

 

You may need to do another SAR to get this from MBNA (not who it has been sold to) if your original SAR was a while ago, then this information wouldn't have been showing then.

 

As far as the CRA's are concerned, perhaps MBNA have wised up on this!

Link to post
Share on other sites

I was thinking that the new owner could get "creative". If you have the comms log from MBN@ it will tie everything up nice.

 

Knowing Exspurtos typing skills you will be luck to get anything out of them.

 

Pumpytums

Link to post
Share on other sites

MBN@,

do tend to send most of the info you need if you wish mention the communications log in your SAR. They were a little late with mine but only by about a week.

 

I would be interested to hear what you managed to get out of Exspurto with your SAR?

 

Pumpytums

Link to post
Share on other sites

Nothing apart from a couple of computer print outs and a screen shot showing the date of 30th Sep. The default notice was sent on the 7th October and should have finished 14 (plus 2) days after that. I received a letter dated 14th October stating that it had been sold to Experto.

 

The default notice did not comply with the regs.

Link to post
Share on other sites

april 2009 and to the new company in feb 2010.

 

Just had the new compnay send me statements but not deed of assignment or proof that they legally own the debt. I have now written to the information comissioner.

Link to post
Share on other sites

Hi Roy,

 

I would definately SAR MBNA again and specifically request the comms log, I agree with MandM, I do not think you will get the sale date confirmation from anywhere else and I would mention that you are after this confirmation just in case they have the ability to amend dates on their systems!

Not that I am suspicious! ;)

Link to post
Share on other sites

  • 2 months later...

Latest update:

 

Someone from Experto called and started demanding when I would pay them. Furthermore, when I explained that they had not sent me a deed of assignment, he said that they had sent everything, I should realy know what I am talking about as the recent Waksman ruling stated that they could enforce the debt and was frankly rude and agressive in tone.

 

A little bit annoyed as they have not proved that they own the debt and refuse to send me this. MBNA just write back and say;"speak to experto" or they have not unlawfully rescended this agreement.

Link to post
Share on other sites

Now had a series of calls from Aegis? who keep calling me on my work mobile. I have advised them not to call on my work mobile number, but they keep doing it.

 

In this case, they have issued an unforceable agreement and have issued me with an incorrect default notice.

 

Does anyone know what I am liable for? I beleave it is the max that was outstanding at the time of the deafult notice. I understand I can offset this with costs and interest. Anyone know what amounts?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...