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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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JMio Vs MBNA - **SUCCESS**


JMio
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DPA Letter sent off about a month ago, reply came with total of £144 - but £72 of that had already been refunded.

 

Prelim Letter sent off today requesting the remaining £72.00 back.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

Standard reply received this morning from MBNA

 

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

"Dear Mr JMio,

 

Thank you for contacting us.

 

We will ensure that you receive a full written response within 28 days from the date of receipt of your complaint. I have enclosed a copy of our internal complaint procedure leaflet for your information.

 

Should you wish to contact us in the meantime, please telephone Gareth tunnicliffe, Customer Advocate, on 01244 672628 between 8am and 5pm, Monday to Friday.

 

Yours Sincerely

 

Rachel Claridge

Customer Advocate Office Manager

 

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

 

Blah Blah Blah.!! LBA Going on on the 14th day.!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Cheers guys!

 

The MBNA claim was more to pass the time, it's the Clydesdale Bank & Capital One that I'm DESPERATE to inflict a bit of redemption on for the years of hassle, grief & financial trauma those b@stards gave me!!

 

If nothing else, the money I get back (and I WILL, get it back! ;)) from MBNA will cover the costs of taking the two disgusting organisations mentioned above through the Small Claims Courts!

 

I've suddenly begun belieiving in Karma after finding this site!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Nothing back from them since their last letter, and certainly no sign of any refund yet.

 

14 days ends today, so LBA dropping into the Post this afternoon.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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  • 2 weeks later...

Standard letter received this morning:

 

--- --- --- --- --- --- --- --- --- --- ---

 

Dear Mr JMio,

 

Account: xxxx xxxx xxxx xxxx

 

Thank you for contacting us.

 

We will ensure that you receive a full written response within 28 days from the date of receipt of your complaint. I have enclosed a copy of our internal complaint procedure leaflet for your information.

 

Should you wish to contact us in the meantime, please telephone Gareth Tunnicliffe, Customer Advocate, on 01244 627628 between 8am and 5pm, Monday to Friday.

 

Yours sincerely

 

Rachel Claridge

Customer Advocate Office Manager

 

Enc. 'Our Commitment To You'

 

--- --- --- --- --- --- --- --- --- --- --- --- --- ---

 

Not exactly 'getting' this yet are they.!?

 

LBA Deadline is Thursday this week, I'll give this Gareth boy a phone tomorrow & gently remind him of this.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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I had a letter this week after putting in a claim offering me less than half but today I received a phone call offering me an out of court settlement.

Said I would look at the figures and get back to them.

Hope this is some encouragement for you.

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Phoned our man Gareth at MBNA since today's the final deadline day before Court Action needs to be raised, waiting for a call back from him any minute.

 

I'm hoping he'll be able/willing to just offer me a full refund, it's only for £72.00! And save the added delay of Court Action... here's hoping!

 

Failing that, I'll take them to Court for it.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Here's hoping...

 

On a side note - where was the wedding at up here? Beleive it or not I'm another exiled Scouser, moved up here when I was 10.

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Rings a bell, near a wee village called Clarencefield...

 

It's about 10 mins away from where I work actually. You're right, it IS a nice part of the world up here!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Very true!

 

Well, our man Gareth's just phoned, seems a decent enough bloke (not acting like a total Jobsworthy like I've had from pretty much every other organisation!).

 

They've got a 'Goodwill Gesture' of £30.00 waiting to be signed off, "That's great, thanks. So what do I do about the remaining £42.00 then? Just submit a Small Claims Court summons then?" came my reply. (I LOVE the way I can now say that so casually by the way!!)

 

Usual spiel about their views about their charges being fair, transparent & avoidable etc...

 

He then said they'll need to 'review their offer' - i.e. revoke it no doubt! :p

 

I asked him to get back to me before the end of today, as this is MY deadline before I take them to court for the lot, plus interest etc!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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i know what you mean about being so blase about the way we now say things, seriously though, I would issue a summons tonight to teach them a lesson unless he comes back to you by 5pm. Then if they call tomorrow tell them it's too late !

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My plan entirely!

 

Watch this space

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Steeeeeeeeriiike 2.!!

 

Just had another call from our man Gareth, in order to resolve the matter he's going to send me a cheque for the full amount, PLUS another charge that wasn't on my original claim.

 

Total asked for = £72.00

Total refund offered = £90.00

 

Thank you, and goodnight to MBNA!!

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Cheque for £90.00 arrived on Saturday.

 

Keep plugging away people, you shall get what is due to you if you stick to your guns!

 

And yes, donation will be on its way as soon as the cheque's cleared! ;)

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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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

** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Please

Start your own new thread

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

 

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