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    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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madhouse5 v mbna **WON**


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As I'm about to file with the courts against barclays I thought I'd make a start with mbna. I've added up charges (I know sad I still have all statements from them) which amount to £996. My hubby managed to get £100 refunded a couple of months ago by phoning them otherwise it would be over £1000.

 

Which address do I send prem letter to?

 

Do mbna wait until court date is set before paying up?

 

madhouse5

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As I'm about to file with the courts against barclays I thought I'd make a start with mbna. I've added up charges (I know sad I still have all statements from them) which amount to £996. My hubby managed to get £100 refunded a couple of months ago by phoning them otherwise it would be over £1000.

 

Which address do I send prem letter to?

 

Do mbna wait until court date is set before paying up?

 

madhouse5

 

Hello Madhouse, sorry I saw your post earlier but got distracted!

 

Right, your prelim should be sent to Chester as follows :

 

MBNA Europe Bank Limited

PO Box 1004

Chester Business Park

Chester

CH4 9WW

 

Don't forget to work out your contractual interest (this is the amount they are charging you per month x 12). Some people are advocating going for contractual, some are not. MBNA seem to be paying out on it. If you feel uncomfortable with this, go for the standard 8%. Up to you. You can do both these things on the spreadsheets to be found in Vampiress's Chambers. I imagine you know this already if you are at prelim stage.

 

You could also call the CEO Office - try this number : 01244-672628. They have been known to work out contractual and offer settlement. It is certainly worth a try.

 

They will probably initially offer you a gesture of goodwill. Take it, by all means, but tell them it is in part payment and you are pursuing for the rest.

 

I hope this helps!:)

 

PS : It isn't sad to have all your statements, I think most of us wish we had been more organised and thus avoided all the MBNA games at SAR stage! Still.......:rolleyes:

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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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Thanks for your help

 

I thought that was the address, just wanted to check.

 

I haven't worked out the contractual interest got a bit confused with the spreadsheets, I'll have another look though. I'll also get my hubby (his account and he's better on the phone) to phone CEO office see if he gets anywhere.

 

I have all my statements for bank accounts and credit cards since they were all opened (some as old as 16 years) think this may be a little bit obsessive:)

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....

I have all my statements for bank accounts and credit cards since they were all opened (some as old as 16 years) think this may be a little bit obsessive:)

 

You and me both! I'm just moving house so have HAD to go through them all. I'm VERY glad I did not have to jump through the SAR hoops. I'm a couple of days ahead of you in this process with MBNA so let's hope for two satisfactory results!

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Me too! To tell the truth my loft looks like a paper archive, been sorting into some sort of order so saved me the SAR hassle.

 

I'll keep a eye on your thread to see how you are getting, I think your brave going for 3 at the same time. I've got my hands full with Barclays and MBNA. Although I have several more left to do.

 

Good luck, madhouse5:D

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Brave or stupid or broke - take your pick!

It seemed a good way of getting a breather as well - put the CC accounts in dispute and give me time for the house sale to go through.

With the NW I had to move fast as some charges would have started to drop off due to the 6 year limitation. I did not want to have to argue that one as well.

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One reason we're doing MBNA is to put account in dispute, they are animals when you get behind. Ironically they told us to go to CCCS for help and then I read on one of the threads they refuse to enter in to it.

 

We've added up all the charges over all CC and bank accounts, totals just under £5,000.00.:eek: That's half our overall debt.

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We tried phoning number above in cornucopia's post, was told their department did not deal with this and would forward our details to another department.

 

The other department phoned back saying they couldn't work out the interest for us but said interest is worked out at todays interest rate (ours being 24.9%) so I'd better get my head round these spreadsheets. Also comfirmed their position on charges, that they are lawful blah blah.

 

Told letter will be in post to request charges back.

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I've just worked out compounded contractual interest on £996.00 using vamp's spreadsheet 13 (simple version). Interest totals £994.39:eek:, oh my god did't think it would be this much. Total to claim back charges and interest £1,990.39.:D

 

Does this sound about right to everyone?

 

madhouse5

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Got a postcard today telling us mbna will be calling on the week beginning 19th March, this was posted on the 5th March same day hubby phoned them to work out interest for us. So prelim going in the post tomorrow (recorded of couse).

 

Do the figures above sound right on 24.9%, it seems so much?

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When mbna pay up can I request they pay off some on our card so we owe nothing on it and the rest be paid by cheque? We owe £1,700. on the card and they owe us £1990.

 

madhouse5

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When mbna pay up can I request they pay off some on our card so we owe nothing on it and the rest be paid by cheque? We owe £1,700. on the card and they owe us £1990.

 

madhouse5

 

Hi Mad,

 

Absolutely! To be honest, they will probably do that anyway. Oh Happy Days, zero balance with MBNA!!:):)

 

PS : Can you please have a look at the MBNA Group Question & MBNA Properly Executed Agreements threads, we are information gathering......spread the word!;)

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 received statement today, can you beleive it they've only gone and put more charges on this month. Another £24.00 in total. These people really annoy me!!!!!!!!

 

Prelim letter finally sent 10th march, still being processed by post office.

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They still haven't got the letter. I think I'll sent them another one but I'll it send it special delivery guaranteed next day.

 

I need them to get this letter by beginning of next week as we are due a phone call, probably to try and convince us to enter into a CCCS, which we won't as the claim is more than we owe them. Just need the account in dispute.

 

madhouse5:)

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As first prelim letter has still not arrived with mbna, I've posted another this time special delivery guaranteed by 1pm tomorrow.

 

But what really annoys me is mbna have sent letter (arrived this morning) saying as we have not made any payments (which we have as per aggreement with them) they will soon be writing off as a bad debt unless we make payment of £217 immediately. If we are unable to make payment we can phone one of their specialist who will be able to help us.:confused: Why would this time be any different they've never helped before.:mad: I am really really really p***** off with these people.

 

But on a good note the account will be in dispute as of 1pm tomorrow, so I'm hoping mbna take note and cease all action on account. I wouldn't mind so much if we actually owed them money, but when they pay back unlawful charges, debt will be paid off and they will owe us over £200. Now I've got hubby worrying that we won't get money back from them.

 

End of ramble, sorry just had to get this off my chest.

 

madhouse:)

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Just checked post office track and trace on-line and the 2nd prelim I sent on sat has arrived. At last!!!!!!!

 

Really wish mbna opening hours they give on letters correspond to the right phone numbers. Hubby tried phoning last night on the 01244 numbers given on letter and they were all shut and it was only 4.30 (letter stated they were open til 9pm). So much for their specialist being there to help!!!! What a joke.

 

madhouse5:)

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I have a problem! After checking track and trace again for my recorded delivery prelim (still progressing through their system). I wanted to know where it was, confidential information in letter ie account number etc. I phoned PO and low & behold it was delivered on 13th march, just was not showing on-line or phone systems. As I sent letter again by special delivery just to make sure it got there.

 

Which prelim letter date do I use???????

 

Going slightly madddddd

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Ok I've decided to use the original prelim letter sent on the 10th March, no answer from MBNA. What a suprise!!!!!!! LBA in the post tomorrow.

 

Can I amend the amount owing to cover 2 more charges applied to my account this month????????

 

madhouse5:)

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Hi Madhouse,

i would imagine that credit card accounts are the same as bank accounts, with respect to adding to your schedule of charges, i which case you can keep on amending until you file your claim with the courts,

hope this helps

 

Lee :D

:)I am not an expert at this, any advice i give is from reading posts on this site, its all in here somewhere :)

 

:) If i have helped please click the scales:)

 

NatWest Settled 16th february 2007----£3902.67 All charges, costs and s.69 interest

 

MBNA- S.A.R - (Subject Access Request) sent 25th March 2007

MBNA missed deadline, LBA for SAR sent 8th May 2007

CCA request sent 8th May 2007

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I got a response to my prelim letter this morning, nothing exciting, just says currently investigating your complaint blah blah. Will respond by 9th April.

 

Ah well LBA in post today.

 

madhouse5:)

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Hi mad

I got the same "full response by April 09" and I've only sent SAR

 

Good Luck Keep Sluggin'

lazybones :D

 

All opinions expressed by me are my own personal ones........

If in doubt seek Professional Advice

__________________________

 

MBNA....... S.A.R....Posted..12/3/07

Delivered..13/3/07..Replied..20/4/07-- Incmplete

Non-compliance letter sent...01/05/07

LTSB........S.A.R. ..Posted..14/3/07

Delivered..20/3/07..Replied..21/4/07--Incoplete

Non-compliance letter sent...07/05/07

AL+LE...... S.A.R... Posted..14/3/07

Delivered..15/3/07..Replied..20/4/07--Complete

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Three days after getting the we will respond, we got another letter saying if we didn't pay £6.57 immediately they will be writing it off as a bad debt. I wouldn't mind but we've made our payments as per our aggreement with them.

 

They received LBA letter today.

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I just phoned mbna's customer advocate office, spoke to a helpful man (if that's possible) asking if we could enter into a meaningful conversation about refund. He's told me if I haven't heard anything by 9th April, then phone back on 10th April and matter will be resolved. I also informed that if they didn't refund then I will be filing to the court on the 13th April. He confirmed matter will be resolved by 9th April

 

Keeping my fingers crossed.

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