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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Can somebody clear up my confused mind please


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Hello All,

 

Had a Halifax credit card up until about 3 years ago I think, but I keep reading that MBNA have taken over the Halifax card accounts. Does anybody know when this took place ? Surely if it was after I closed my account I would have to go after the Halifax non ? Or would MBNA have my account details on file and should I go after them ?

 

Also, if there was a period where they have both looked after the card do I just write to MBNA as the last provider ?

 

Any help appreciated, thanks

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ok Sarge ! Thanks

 

Right then,

 

Send your DPA to this really nice lady at Complaints and consumer guidance:

 

Linda Mackay

Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS

 

This really nice lady sent me my 6 years statements with a letter offering full refund of all charges on the credit card for 6 years..... And all that in responce to my DPA letter!!!! I couldn't beleive it!!!!

 

So fantastic service from this lady, would highly recommend. (Oh and I didn't send any payment for DPA I just put at the bottom "please contact me if you require any payment for releasing information - Thanks" and they just did it FOC and full refund without even asking for it! (I gues they pretty much knew what was coming next anyway)

 

 

Good Luck - feel free to ask if there's anything else can help with.

 

 

Peace Man.:cool:

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**sigh**

 

I wish she could have a word with the bods in head office in Halifax. :D

 

Good luck!

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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completely sperate - I think.

 

 

The moneys yours anyway, if it wasn't why would they offer it out on a platter? :D

 

 

In the words of the moderators - "Good Luck, You wont need it!"

 

 

 

Peace Man

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Sorry Sarge, also meant to ask if you just used the DPA request in the library and altered it in some way ?

 

yeah use that one in the library and just add in the addresses relevant/account number/date you want to trace back to etc....

 

good luck!

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No altercations (Apart from the obvious name/address) needed.

 

 

I would take off the "I enclose the statutory maximum fee of £10" and just put at the bottom of the letter "Please feel free to contact me directly if you require payment for the release of this information"

Some people would say it can delay the process if they do ask for the money, But I say if you can get away with not paying the DPA Fee then happy days. It's money better in your back burner!

:D

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  • 2 months later...

Ok, quite far into this one, been busy telling peoploe how to make mbna crumble.

 

Got all my statements and sent 1 st request on 14/7/2006 for £480. Reply came back offering £227.50. So faxed them LBA on 20/7/2006. Reply received today advising this is the final offer and won't be increased. So just about to send another fax kinda saying "i think you must be mistaken" and they should give me the rest back otherwise mcol for the whole lot.

 

It seems that i can't accept the £227.50 and go after them for the rest. I must either accept this in full and final or take my chances in court, i think i know where this will end up !

 

Is this the norm for halifax ?

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Sounds the Norm fellow scouser;) , just progress to MCOL.

 

Cheers

 

Daniel

20/06/06 - Prelim sent for £4041

22/06/06 - Standard Letter received from Halifax

25/06/06 - Call with offer of £465 - £1465 - declined

27/06/06 - LBA Sent for £4041

07/07/06 - MoneyClaim filed online

11/07/06 - Acknowledged / Intend to Defend

31/07/06 - Yippee.....I WON - SETTLED IN FULL

01/08/06 - Second Part of Claim Filed £4397

04/08/06 - Acknowledged by Halifax

09/08/06 - SETTLED IN FULL

10/07/06 - Egg Request for Statements

16/07/06 - Received past 6 Years Statements

16/07/06 - Total Charges - £960

19/07/06 - Prelim Letter Sent

10/07/06 - AA Visa Request for Statements

16/07/06 - Received past 6 Years Statements

16/07/06 - Total Charges - £280

19/07/06 - Prelim Letter Sent

27/07/06 - Offer of Goodwill £140, offer refused by phone

28/07/06 - LBA Sent

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From all the posts I have read (a lot) they seem to wait approx 14 days after Acknowledgement then pay up:D

 

Just waiting for mine now.:rolleyes:

 

Cheers

 

Daniel

20/06/06 - Prelim sent for £4041

22/06/06 - Standard Letter received from Halifax

25/06/06 - Call with offer of £465 - £1465 - declined

27/06/06 - LBA Sent for £4041

07/07/06 - MoneyClaim filed online

11/07/06 - Acknowledged / Intend to Defend

31/07/06 - Yippee.....I WON - SETTLED IN FULL

01/08/06 - Second Part of Claim Filed £4397

04/08/06 - Acknowledged by Halifax

09/08/06 - SETTLED IN FULL

10/07/06 - Egg Request for Statements

16/07/06 - Received past 6 Years Statements

16/07/06 - Total Charges - £960

19/07/06 - Prelim Letter Sent

10/07/06 - AA Visa Request for Statements

16/07/06 - Received past 6 Years Statements

16/07/06 - Total Charges - £280

19/07/06 - Prelim Letter Sent

27/07/06 - Offer of Goodwill £140, offer refused by phone

28/07/06 - LBA Sent

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Should not do as they are different accounts and under different agreements.

 

Cheers

 

Daniel

20/06/06 - Prelim sent for £4041

22/06/06 - Standard Letter received from Halifax

25/06/06 - Call with offer of £465 - £1465 - declined

27/06/06 - LBA Sent for £4041

07/07/06 - MoneyClaim filed online

11/07/06 - Acknowledged / Intend to Defend

31/07/06 - Yippee.....I WON - SETTLED IN FULL

01/08/06 - Second Part of Claim Filed £4397

04/08/06 - Acknowledged by Halifax

09/08/06 - SETTLED IN FULL

10/07/06 - Egg Request for Statements

16/07/06 - Received past 6 Years Statements

16/07/06 - Total Charges - £960

19/07/06 - Prelim Letter Sent

10/07/06 - AA Visa Request for Statements

16/07/06 - Received past 6 Years Statements

16/07/06 - Total Charges - £280

19/07/06 - Prelim Letter Sent

27/07/06 - Offer of Goodwill £140, offer refused by phone

28/07/06 - LBA Sent

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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