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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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Mbna Nightmare!!!!


Cornucopia
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Just an update.................well nothing to update really, e-mailed Gavin again last night asking for an update, nothing today...........AGAIN!

 

Nothing from Eversheds.

Nothing from Arrow Global.

 

I have written six letters to both of them but they have not even acknowledged one.............how bloody rude!:-x

 

Eversheds CCA runs out on Friday, Arrow's on the 2nd of Feb.

 

Have issued a SAR to MBNA, even though they say they have returned all the charges to the account (we have no evidence of this yet as they have sold the account therefore we are no longer receiving statements). I want to see the Deed of Assignment and I want all the account details in case we have to go to Court. Wonder if this is why they are ignoring me?

 

I have held off complaining to the FSA, OFT and IC, I think I will just go ahead and do it anyway, they are not doing themselves any good at the end of the day!

 

Stansfield, I tried to reply to your PM but your inbox was full so it rejected it! I am not ignoring you! Will try again x

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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keep going cornucopia i rang them yesterday and they advised the person i wanted to speak to would return my call...just like he said he would last week too...and guess what...yup they dont want to speak!...keep chasing it up, the more action you are taking against them they will relent if they are in the wrong, im just counting down the days now no longer care what MBNA has to say for itself, i want my day in court.

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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keep going cornucopia i rang them yesterday and they advised the person i wanted to speak to would return my call...just like he said he would last week too...and guess what...yup they dont want to speak!...keep chasing it up, the more action you are taking against them they will relent if they are in the wrong, im just counting down the days now no longer care what MBNA has to say for itself, i want my day in court.

 

You know what? I am beginning to feel the same. I do have an update though!

 

Today we received this letter from Eversheds (Arrow Global's Solicitor). Please bear in mind that they have thus far ignored an initial letter asking them to hold off while I found out what the hell had gone on (ie : MBNA selling debt without our knowledge), a CCA request of which the 12 days are up this Friday and a warning letter telling them account was in dispute and that their intimidating letters were not acceptable blah blah :

 

Dear Sir,

 

You have failed to repay the sum of £15,820.24 owed to our Client.

 

To avoid further action payment of £15,820.24 must be made to this office within the next 7 days. Payment methods blah blah....

 

If you are unable to pay the amount in full, you must telephone us immediately on ..... to make a suitable arrangement.

 

Should you fail to make payment or to contact this office as directed, legal action may be taken against you without further notice. We may first instruct and Debt Collection Agent to call at your home to recover the debt from you. These actions would incur additional costs for which we would hold you liable.

 

Legal proceedings would involve a County Court Judgement order (CCJ) being sought against you. Once obtained, it could be enforced using one or more of the following actions :

 

1. Warrant or Execution - A Bailiff would visit your home in order to remove goods to the value of the debt (ha bloody ha).

 

2. Attachment of Earnings Order - Your Employer would be ordered by the Court to deduct monies outstanding from your salary (as my husband is his own Employer, I doubt he would agree to this!).

 

3. Charging Order - If you are a homeowner, a charge which would secure the debt against your property would be obtained.

 

4. Order to Obtain Information - Your would be questioned under oath before an officer of the Court in connection with your financial circumstances.

 

Do not ignore this notice, further recovery action will commence if you do not act now.

 

Yours fatihfully

 

Eversheds LLP

 

 

How bloody dare they when they have completely ignored me! Let them stand up in Court and say they have ignored my letters! Can anybody advise as I am shaking with anger! I'm also at work so shouldn't really be doing this here. I am not prepared to enter into telephone dialogue with them, not at this stage, given the severity of the situation. Am I right in doing this? HELP!!!! :-x

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Cornucopia,

 

sadly i spoke to MBNA this morning and they have coughed up the charges and interest, i am gutted as i wanted my day in court (could still get it tho). have you tried sending in token payments? i.e. minus all the charges interest and anything else you are claiming, and send arrow token £1 payments whilst you are waiting a response to your letters. I would write to them telling them the account is currently in default whilst you are waiting for MBNA and court action is due to occur, before that though have they sent the deed of assignment to you? can arrow supply you with a true copy of your credit agreement?. i dont know what MBNA's strategy is at the moment as there was no ifs or buts on the phine just we are refunding your charges and compounded interest we will geta manager to authorise it and it will be on your statement next month, so really dont know what they are thinking of, however they did admit to being very busy due to some people requesting money back

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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Cornucopia,

 

sadly i spoke to MBNA this morning and they have coughed up the charges and interest, i am gutted as i wanted my day in court (could still get it tho). have you tried sending in token payments? i.e. minus all the charges interest and anything else you are claiming, and send arrow token £1 payments whilst you are waiting a response to your letters. I would write to them telling them the account is currently in default whilst you are waiting for MBNA and court action is due to occur, before that though have they sent the deed of assignment to you? can arrow supply you with a true copy of your credit agreement?. i dont know what MBNA's strategy is at the moment as there was no ifs or buts on the phine just we are refunding your charges and compounded interest we will geta manager to authorise it and it will be on your statement next month, so really dont know what they are thinking of, however they did admit to being very busy due to some people requesting money back

 

I am delighted for you! You have won whatever! Well done!

 

I have written to Arrow & Eversheds telling them account is in dispute. I am awaiting a copy of the Deed of Assignment following my request to MBNA via a SAR. I sent a CCA to Eversheds which is due to expire this Friday. I sent one to Arrow last Wednesday which is due to expire on the 2nd. If neither can produce a copy of the original agreement, I fail to see how they can enforce the debt at all. The way Eversheds worded the letter, they are clearly expecting to just go ahead and get a Judgement. I don't think so! I am more than prepared to stand up and be counted in Court. MBNA have failed us so badly and I can prove that. Given that they gave us 1 day warning of a default to our account via EMAIL that we did not receive and was not followed up in writing, I think we have a very good case. I could go on and on but it is nothing you haven't read in all the posts above.

 

Am very very angry today!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I fully understand Cornucopia and you have every right to be annoyed. I think the mentality of solicitors and DCA's at the moment seem to be to put as much pressure on people to make them relent, but if they do take court action you will get lots of support from here. I wouldnt be delighted for me as its a hollow victory, like you i went through the MBNA sh*te just the debt never got sold as they went into a payment plan with me, but you have been shafted and if we can give any advice to sort it out then feel free to ask. I am due to continue action over the default and the payment protection cover, silly thing is im not in a situation to take action til end of february but have completed most of my witness statement and draft N1 so if you want to bounce ideas through the forum then i think we can all offer support.

 

Eversheds may turn round and say they have passed the CCA request onto their client as they are only acting for them and it has nothing to do with them, i would wait for arrows to produce or not produce the cca agreement, and also the deed of assignment, if they say there is a debt then let them prove it.

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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Cornucopia,

We are all still here for you - whatever help you need just shout

x

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Give them enough rope and they will hang themselves. Eversheds letter is bullying and intimidatory. I would make a complaint to Trading Standards and the Law Society. Copy the letter to both, together with copies of your letters disputing the debt. Are you making payments directo to MBNA as agreed? Any action they take can be counterclaimed! This is just unbelievable. Right arm doesnt know what left arm is doing! Most importantly, if you continue making payments, this will make them look even more aggressive.

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Give them enough rope and they will hang themselves. Eversheds letter is bullying and intimidatory. I would make a complaint to Trading Standards and the Law Society. Copy the letter to both, together with copies of your letters disputing the debt. Are you making payments directo to MBNA as agreed? Any action they take can be counterclaimed! This is just unbelievable. Right arm doesnt know what left arm is doing! Most importantly, if you continue making payments, this will make them look even more aggressive.

 

Hello Stansfield! Am I glad to see you, firstly could i just say thank you to Chorlton and iwannabedebtfree for their v.supportive posts!

 

I have had the most peculiar email from MBNA this afternoon, I don't want to post it at the moment but could do with a chat if you could spare me the time! I can either PM you or call me and I'll call you straight back, I am sorry to anybody who is reading this - it sounds like a private party! I hope to share with everybody else as soon as I can suss out what is going on but would like the expert advice of Stansfield first! ;)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Your thread is better than the new series of "24", mainly beacuse we know you will win but just dont know when! :p

 

Intrigued by your MBNA email.........

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Your thread is better than the new series of "24", mainly beacuse we know you will win but just dont know when! :p

 

Intrigued by your MBNA email.........

 

Ha Ha Chlorlton, what a compliment! I would say it was better than "Most Haunted", mind you a lot of things are.......!

 

I can't, unfortunately, expand too much on the current situation, however, any further correspondence from Arrow or Eversheds will be posted a.s.a.p. Be patient and keep watching!!

 

Thank you all for your support which is so much appreciated I can't possibly tell you!:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Share on other sites

:eek: "Most Haunted"?!?!?! :eek:

 

Never ever ever turn off the lights in this thread!

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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keep going cornucopia, i may have got my charges back but phase two has begun, will be here for moral support!

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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keep going cornucopia, i may have got my charges back but phase two has begun, will be here for moral support!

 

Thanks so much! Will keep you posted with any developments, looking forward to seeing your battle commence!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Morning guys,

 

Just an update, Eversheds CCA ran out on Friday, so they are now in breach. Arrow Global's CCA runs out next Friday, still no sign of the agreeement!

 

I have still heard nothing from Gavin Theobald regarding his negotiations with Arrow Global. Time is seriously running out and Eversheds sent a letter to me last Tuesday (as posted somewhere above) saying that we had 7 days to settle in full or they were commencing legal proceedings.

 

I have had no response to my SAR to MBNA, although this is still within the usual time constraints, however, this request included a copy of the Deed of Assignment so they really need to get their arses in gear. It is funny how they have all gone silent. I am also considering ringing Bill Wareing at MBNA, any thoughts on this anybody?

 

Am off to write my complaint letters to The Law Society, OFT and the Information Commissioner. Will enjoy this..................:cool:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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corn. ru thinking of s85 like Battleaxe?

 

Hi Iwanna, Section 85? Could you enlighten me???:)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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general section go to consumer credit act agreement discussions there are three people discussing s85 and it sounds interesting cornucopia

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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general section go to consumer credit act agreement discussions there are three people discussing s85 and it sounds interesting cornucopia

 

Thanks for that! I have been having a look and it seems also that MBNA did not provide my husband with a new copy of the credit agreement when they reissued the card, so there is a breach there aswell.

 

Further, I have just done a search on the Information Commissioners Data Protection Register and there is no match for either Arrow Global LLC or Eversheds LLC. I am sure I am being an idiot, but does that not mean that they should not be demanding money if they are not registered?

 

Please correct me if I am wrong?!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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if they are not registered under the DPA they cannot process your data. as for chasing you for money they would need a licence and be regulated i think maybe under FISA? or another one of the debt collection regulators.

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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if they are not registered under the Data Protection Act they cannot process your data. as for chasing you for money they would need a licence and be regulated i think maybe under FISA? or another one of the debt collection regulators.

 

By processing my data, what would this entail, I am sorry for being a pain but suddenly by reading other unconnected threads, I am finding out all these different things that I wasn't aware of and that might help my case. At the bottom of Arrow's correspondence (in very small letters), it say they are an "overseas member of the Credit Services Association". It also says that they are Member Company of csa, dbsg. Nothing about being regulated under the FSA or anything like that.........hmmmm

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Eversheds LLP use the Law Society Group Consumer Credit Licence number G900001 dated 28.7.05 which covers (amongst other things) debt collection activities in the course of their work as solicitors only (that is pre and post litigation) If you have any problems with them send me a message and I can give you the name of the person that is dealing with complaints about them at the OFT. The OFT have had continual problems with complaints about solicitors and only renewed the Law Society licence for three years this time (normally five) because of their inablility to regulate their members properly. I get the feeling that the OFT are no great fans of solictors who hide behind the Group Licence meaning that you have to go through the Law Society's complaints procedure before the OFT get to hear about any problems.

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Eversheds LLP use the Law Society Group Consumer Credit Licence number G900001 dated 28.7.05 which covers (amongst other things) debt collection activities in the course of their work as solicitors only (that is pre and post litigation) If you have any problems with them send me a message and I can give you the name of the person that is dealing with complaints about them at the OFT. The OFT have had continual problems with complaints about solicitors and only renewed the Law Society licence for three years this time (normally five) because of their inablility to regulate their members properly. I get the feeling that the OFT are no great fans of solictors who hide behind the Group Licence meaning that you have to go through the Law Society's complaints procedure before the OFT get to hear about any problems.

 

Thank you Seniorservice, that is very useful, I would be grateful if you could let me have the name of the person at OFT. I have today written to the Law Society in connection with Eversheds behaviour towards me, non-compliance of a CCA request and threatening behaviour, aside from the face they have ignored every piece of correspondence sent to them via recorded delivery. The funny thing is that I have had to deal with them fairly regularly through work and here they are making my life a bloody misery!!!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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