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    • The argument about the date of receipt is now dead because the PCN  does not comply with the wording  of the Protection of Freedoms Act 2012 Schedule 4.  First reason Section 9 [2] [e]  "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—(i)to pay the unpaid parking charges;" Second Reason Section 9 [2][a] "specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;" All your PCN does is mark the time you entered and left the car park. It does not include all the myriad things you do in between-driving into the car park, looking for a parking space-perhaps a disabled space or  parent and Child place@ getting the children or disabled person out of the car then going shopping. Coming back; loading the car with shopping [, getting the children or disabled into the car, taking the trolley back to the store; driving to the exit perhaps stopping to let vehicles/pedestrians cross in front of you etc. so subtracting the driving times from before and after parking can make quite a difference from their time to the actual period parking time. So the upshot is now that only the driver is responsible for paying the PCN and the keeper is not liable at all even if the name of the driver is never known by Nexus so well done for not appealing. You obviously want to keep it that way to make it very difficult for them to win in Court if it ever goes that far. Although your question is now moot since  the same objective has been achieved by the non compliant PCN [ie no keeper liability] just  about the only way to dispute the timing of the PCN would be if one kept the envelope and there was a discernible date stamp on it that did not match the date on the PCN. There is a new Act coming out [and it cannot come quickly enough ] and one of the things required is that parking companies will have to prove the date of sending out their PCNs. We are not the only ones who sometimes doubt the veracity of their dates particularly as the later it is sent [unlawfully] the shorter the period motorists have to benefit [?] from the reduced payment. I haven't seen it on your posts but do you know how long you are permitted to park for free?
    • I was so annoyed and frustrated about the fact this case was lost it's been floating around my head all night. Dave962, are you sure that's what the Judge said? .... It doesn't make sense. Did the judge in fact dismiss the case on the grounds that the defendant did not make an appeal within 28 days? Effectively telling the PPC about the error entering the registration number and providing proof of payment at that time? To me, that's an important point.  
    • The United Autoworkers Union took a risk in a Republican - and often anti-union - part of the US.View the full article
    • good spot...though i'm unsure, but it does seem like it can't be related to this latest issue as the OP mentions she knew nothing about the  order. dx  
    • wasn't that for the CCJ for the mental capacity with the leaseholder?   SO would be different to this.
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IVAN THE TERRIBLE v MBNA


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Hi

Have sent SAR to MBNA received a response with list of dates and charges and my £10 Cheque back. I defaulted on my account but came to an agreement to pay a monthly payment by direct debit if they would suspend interest. Sent SAR form withh Proof of Identity. I have done a spread sheet in anticipation of Claim from their list but as interest stopped in May of 05 is that the day I use in spreadsheet? Can I claim Compound Interest or is that already calculated in the simple C/Card s/sheet

Thanks in anticipation

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Hi

Have sent S.A.R - (Subject Access Request) to MBNA received a response with list of dates and charges and my £10 Cheque back. I defaulted on my account but came to an agreement to pay a monthly payment by direct debit if they would suspend interest. Sent SAR form withh Proof of Identity. I have done a spread sheet in anticipation of Claim from their list but as interest stopped in May of 05 is that the day I use in spreadsheet? Can I claim Compound Interest or is that already calculated in the simple C/Card s/sheet

Thanks in anticipation

 

Hi, are you charging the courts 8%? if so it continues to the date of settlement.It does not matter that you were not paying interest your are charging them for having your money.

 

If you want to claim contractual interest it is in the Library. this is more complicated however more people are going down this route.:D

  • Confused 1
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Thanks haven't got to courts yet just used the simple spreadsheet recommended by Vampiress. Maybe I'm confused I thought 8% is added at the N1 stage So which spreadsheet should be used at prelim stage?? Maybe I haven't got myself clued up enough Glad of your help. Will carry on reading no harm done.

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Just your total charges + your overdraft interest on your charges. Should be used at prelim stage.

Coopman v HSBC

Prelim sent 9.10.2006 £1546.50

 

Coopman v Capital One

S.A.R - (Subject Access Request) sent 9.10.2006

 

Coopman v MBNA

S.A.R sent 13.10.2006

 

Citibank,Egg,Argos and student Loans Company to follow shortly.

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The primary advantage of contractual interest apart from what it does to the value of your claim is that you add it to your claim before it gets to court and therefore goes on prelim and lba letters.

 

If you want to go this route make sure you claim for your charges, interest you paid on those charges plus contractual interest (i used the cash advance rate 22.4% on my account) on both the costs you have paid.

 

If you ring MBNA they wont automatically give you everything you're entitled to.

 

have a read of the thread i have linked to in my signature if you want a bit more of an explanation.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Just got a bit more info I would like clarified. I paid insurance for unemployment etc to cover payments but as i was self employed have been advised that i wouldn't be covered anyway . Can anyone advise ???

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Just got a bit more info I would like clarified. I paid insurance for unemployment etc to cover payments but as i was self employed have been advised that i wouldn't be covered anyway . Can anyone advise ???

 

i would think you would need to know who the insurance was sold and what info you were given, trouble is unless you have hard evidence it might be difficult to claim i have a similar problem with Egg, although in my case the ppi was included in the loan and i am certain i was not given the option to reject the ppi.

 

i think that is was therefore mis-sold but its not the first thing on my list to resolve.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi All

 

Forgot to say when I received original list of charges plus £10 cheque back they said will credit my account with £670. which they have done. Real quick response still will wait until get statements see if it matches ther list. If it does fine will go for balance. Belive it all to be a total of £1647 Seems a littel bit back to front but at least moving in the right direction.

 

:lol:

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Hi Again

Got statements today all ties up with list of charges they sent. Went through checking and low and behold although they had put a stop on the card 9th May 2005. They had added Interest of £98.00 and after not charging Card insurance from May until December decided to start taking it again. So although they had agreed to suspend interest and agreed a payment of £55 per month they were taking £39 or so every month for insurance on a card which was not being used. Would you believe the Card number was different as the card that I had had expired. So they have issued a new card which I know nothing about and is definately not in my possession and have been taking card insurance monthly. So on top of charges I have insurance premiums + an interest added totalling £410. Will be on the phone first thing tomorrow. How can they stop taking this and then suddenly start taking it again when I am trying to clear the debt at an agreed rate. No wonder the debt didn't seem to be going down. Good job I have dates and times of calls and agreements made and letters confirming.:x :x

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I received my statements toady and discover they have taken 780 in charges and 387 in credit insurance fees. Given that i have ben retired for five years and two before i took on board the card, i personally doubt whter i took the insurance. i dont have a copy of same that they refer to. working out contarctural rate of interest at 22.9( which is waht they charge me) my interest claim is 470 on to the original 780. They offered me 400 toaday as goodwill gesture.

 

I have worked out the interest in the same way for thier ibnsurance [problem]( and it only operates when you are in debt to them) and the insuarnce charges ai am going to claimis 387 plus its interest component of 222.

 

So total claim in two stages will be 1850 against current card value of 2000

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:-) Good for you. I think that in my case (Or My Sons as it is his card ) I'm just doing this to help him out they have made a big mistake. They stopped taking the insurance for arouns 6 months then started again. So presume will be a bit easier we will have to wait and see.
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Hi All

Sent Prelim on 27/10 for the differnece between 670 GOGW and the £1647 =£977.41 Also faxed letter to different department re insurance premiums.

Will let you know what happens next

:x

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Printed out the OFT report on Payment Protection Insurance OFT869, published in October2006. It is interesting reading and highlights the same free for all practices that the banks had applied to their fee chargeing regime. However this type of mis selling recoups larger profit margins for the banks. reading the report there are a number of pertinent points made(amongst many others)

“…there is a lack of upfront information on PPI i.e. before the consumer has signed up for the credit”

sect 1.4 page 2 line 14;

“ There are indications that consumers are receiving poor value from their PPI”

sect 1.4 page 3 line 8

“….eligibility requirements for PPI are that customer must be living and working in the UK, be aged at least 18 and under 65 years, and must be actively employed for at least 16 hours per weekand have been so for a specified period of time”

sect 3.4 page 14 line 8

“ the purpose of credit card PPI is to cover a percentage of the insured outstanding balance should he or she be unable to work through accident, sickness or unemployment”

sect 3.29 page 21 line13

“ the OFT, however, under the CCA, licenses those who involved in the sale of the credit which the PPI is sold to protect”

“Licenses are only issued and retained if the OFT is satisfied that the applicant is a ‘fit person’ to hold one….pressure selling of PPI, pursuing debts and adding charges when waiting for insurance payments may amount to conduct inconsistent with fitness”

sect 4.2 and 4.3 page 23 line21

 

 

 

 

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Had conversations with Colin Pugh at MBNA both yesterday and today. Last week I had collated all charges and interest at 22.9%. Every bit as helpful as previous MBNA staff working in this section. He worked out the additional interest that was due to me as a result of interest penalties caused by the individual charges. Seeking approval and will confirm in writing.

I had asked for £780 in fees and £387 in interest. He worked out £823 in fees and £431 in interest.

I thanked him for his assistance and wished every other organisation was like this. Obviously at this tiem when people are using this site and winningback their money and getting positive response from the press, it would be a wise oragnisation to address this issue positively so that in the fall out from the settlements, some organisations may be looked on more kindly.

 

When I get the money the deposit will be in the post.

 

Thanks to moderators who have given great advice to everyone, and from reading these posts, one becomes happy that they are doing the right thing.:-)

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ive had such bad experience with mbna....ive made 3 sar's ...including filling out their form, with id and £10 payment.....had three lists of charges...all completely different!!!... and still no copy statments, only these 3 different lists of charges, with almost £400 difference between them...cant wait to finally get copy statments to see how much i have really been charged!!!

 

http://www.consumeractiongroup.co.uk/forum/mbna/33299-me-abbey-mbna-credit.html

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