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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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Loulou29 v Abbey


Loulou29
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Hello, thought it only fair that I post my progress as I am benefitting from so many others'.

 

Sent first letter to Abbey and received acknowledgement letter within a week and 2006 statements, one by one, in the mail. Previous years came as a lengthy print out that would have taken many hours to decipher. However, as I was only a few statements missing, I had most of the information already.

 

Am now about to enter phase 2 and ask for the money. All going to plan so far.:D

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well done.

Time now for your own thread in the Abbey group.

I will move your post there and set this up for you.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have now sent my second letter. I covered their delayinging tactic of claiming non receipt of amount breakdown, before it started, by making a copy of the letter to be sent to Abbey and taking it into my local branch with a memo attached saying this 3 page correspondance would reach you via internal mail and the original by recorded delivery . I attached a memo to the recorded delivery letter stating that a copy had been handed in at the branch and a receipt obtained.

 

The branch stamped my copy, photocopied it and gave me the photocopy.

 

Hope this works.

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Hope I am putting this question in the right place.

 

I have today received a standard looking "sorry you are not happy" letter from The Abbey inviting me to send in a complaint to Milton Keynes. Please could someone tell me:

 

1. Should I follow this instruction? and If so in what format?

 

2. How does this affect the status of my 14 days to pay letter? (sent 6 days ago and obviously recevied)

 

3. Sent 14 day letter to the London Head office, do I contine to correspond through London or now transfer to Milton Keynes?

 

Would appreciate the help if anyone knows. Many many thanks

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Im sure your doing it right Lou.! I can see it! To respond click post reply!

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Hi Loulou,

 

This is a standard resopnse and an attempt by abbey to dictate the timetable, believe me you will amass a collection of these.

 

It is important to stick to your timetable and issue the letters as you said you would

 

Best of Luck

 

BB

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Any advise offered is my own opinion, and if in doubt, always seek clarification.

[

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Stick to the timescale that is laid down by law, their complaints procedure is about as effective in resolving issues as powdered water solving a drought problem. So let the time tick by and count the days till you get the cash!

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Thanks a lot for everyones help. Was wondering if making the complaint might be part of the procedure to show you had done everyting possible and in your power to sort this out before going to court. Assume not so I will ignore it and await the time for my 7 day letter.

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Ho Loulou,

 

Sadly their complaint procedure does not help in resolving your claim. Best to ignore it and carry on with what you have advised you will do.

 

Keep us posted

 

Regards

 

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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Thanks very much for that but what is the FOS and is this a better way to go than to court. I have no problem doing the court thing but would obviously rather whatever is likely to reap the best result.

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The FOS (financial ombudsmen service) are who youd make a complaint to. Heres a Link!

You can accept any offers they make as part payment towards the full settlement and until you are satisfied, proceed with court action.

Smoothy

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Can anyone help. A friend with a thread in MBNA away on business and cannot get to her thread so has asked me to help, so here is her problem.

 

9th Feb received letter offering £520

 

15th Feb wrote accepting as part payment and sent LBA

 

16th Feb received and banked cheque

 

28th Feb issue court papers for outstanding plus costs, interest etc amouting to £902.00

 

Today 14 days up and the court are saying that they have issued a defence saying that they paid the £902 on 13th February.

 

PROBLEM:

 

£902 not paid

 

On 13th Feb they could not possibly have know the outstanding amount would add up to £902 as the court papers not issued untl 28th.

 

What is the next step here, they are obviously very confused or telling fibs.

 

Any help would be much appreciated.

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Get your friend to contact the courts explaining what the bank offered and that your friend accepted it as part payment but that they wish to continue until full payment has been received. When it goes in front of the judge make sure your friend has proof of how much they paid as this will prove that they failed to offer the full amount.

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Many thanks, the court has now told us that she can refute this defence and it will then be sent to the local court, so she is going to do that.

 

As MBNA have effectively admitted they owe her the money by saying they paid it, will it still be necessary for the court bundle etc or will the proof that they did not pay it be enough in this case.

 

Your help is proving invaluable.

 

:confused:

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Hi Loulou,

 

It is allways best to prepare for the possability of going to court and do all the tasks required with this in mind.

 

I would imagine once MBNA are advised that their defence is refuted they will make efforts to resolve the issue. This is only my opinion but it seems logical.

 

Regards

 

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

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You wil probably find that they will amend their defence due to this £902 pay back claim, how good are they going to look in court, or settle for the remainder, the latter looking more than likely, ask your friend to call them, after reading this i would expect them to settle this with a call.

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  • 4 weeks later...

i did mine yesterday and it fits...ill pm it to you

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Always a pleasure

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  • 2 weeks later...

I have just received an acknowledgement of claim from the Abbey who "intend to defend this claim". Got smug thinking they would pay up so wasn't quite expecting that. Does this mean I now need to prepare all the court papers etc or is there going to be something I need to do before that stage.

Any help and masses of reassurance would be appreciated.

 

:!:

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Lol...it stumped me too!

Have a read of this, itll help put you at ease.

They always reply with intend to defend but cough up at the last minute so stick to ya guns!!

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