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    • I am sorry about getting your status mixed up.  I have noticed one thing in your excellent WS. On their claim they are only pursuing you as the keeper-I think it is  in their Point C that  states along the lines of -the driver did not pay , so the keeper is liable. So on your No keeper Liability section  You may prefer  to alter 13 to    . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  only pursuing the keeper  when the PCN does not comply with PoFA must mean that their claim fails. See what the Site team thinks as it should  stop the Judge from looking at who was driving as your statement preempts them from even thinking about it.
    • What would suffice as proof? I just emailed them back my date of birth. Should I send a copy of driving licence? 
    • Which Court have you received the claim from ? Northampton   MCOL Northampton N1 ? Manual Claim CCMCC (Salford) ? New beta WWW.MONEYCLAIMS.SERVICE.GOV.UK ?   If possible please scan redact and upload a full page copy of page 1 of the claim form.   This has been uploaded in my previous messages in the bundle of documents     Name of the Claimant ? Asset Link Capital (NO5) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to./   14/02/2020   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Not relevant as his claim was set aside, and has now been brought to the court again by the claimant       Particulars of Claim   What is the claim for – the reason they have issued the claim? Please see bundle of documents in previous thread   What is the total value of the claim? £10,734.1    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes - this is one of the grounds for getting it set aside   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ?  Apparently 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I do not recall entering into an agreement with Barclays   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  It was, but it is not anymore   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Asset Link   Were you aware the account had been assigned – did you receive a Notice of Assignment? No - although they have provided a copy of the assignment notice in their bundle of docs for the hearing   Did you receive a Default Notice from the original creditor? I don't remember - but again a copy of a letter has been provided (see bundle on previous thread)   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No    Why did you cease payments?  2015   What was the date of your last payment? December 2015   Was there a dispute with the original creditor that remains unresolved?  I wrote to Barclaycard back in 2015 to ask them to send proof of the original agreement but they just sent me a reconstituted document which had no personal deals on relating to me   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes - step change took control and set up payments of £1 pm
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Beetlejuice vs MBNA


beetlejuice
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Just started Claim against MBNA, I have statements going back to Jan 2005, need to ask for previous to Jan 2001 is there a six year limit, my account was opened Sept 1998.

Already up to 1500.00 in charges and (despite writing and phoning to cancel, Payment protection charges!!).

 

Will send SAR today, does anyone have contact address or do I send it to PO Box 175 Bolton, would prefer address as all mail from me goes registered.

 

Thanks

 

reagrds

 

BJ

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Try this address Beetlejuice

 

THE DATA CONTROLLER

MBNA EUROPE BANK

STANSFIELD HOUSE

CHESTER BUSINESS PARK

CHESTER

CHESHIRE

CH4 9QQ

 

However i would suggest you read through a few threads on here first as people are have trouble getting SAR compled with by Mbna.

i have just filed complaint with ICO for non compliance.You definately need to tweak the templated SAR request and leave them in no uncertain terms that it is a SAR and not a complaint.

 

Regards

Beetle

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  • 1 month later...

Got call back from nice lady at MBNA apologies fronot repsondingto my letter she has updated my file!! and all stements should be with me in 10 days!

 

Funny that's right on the 40 day button.

 

 

BJ

 

:lol:

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Well got home from work yesterday to 15!! yes 15 envelopes

(we really should donate to tree plannting charity on this web site also given the paper we're jointly generating)

Statements back to May 2004 despite requesting Sept 1998?, we see what today's post brings, does anyone have a phone no. I could chase on?

 

Will post later on CI and spread sheets.

 

BJ

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  • 4 weeks later...

Update:

 

Spoke to MBNA today. They are now saying they only keep records back to six years. So that's me snookered. I'll just calculate(invent) a figure for teh charges going back beyond that time. If they want to argue then I'm sure they'll find the statements!!

 

I still need, and not only on this thread but all other my Credit Card claims. instructions on how to use the Minzai spreadies. I know he's been busy but can someone help and tell me which balances to put where in the second lot of columns(the charges bit is easy).

The notes are for the Bank charges Spreadie, I don't think these have been updated.

 

I want to calculate the interest they have been charging me on the charges and then CI on top.

 

Mindzai, Lucid, anyone??

 

 

 

thanks in anticipation

 

 

BJ

 

:roll:

 

 

see also

 

http://www.consumeractiongroup.co.uk/forum/citicards/83883-beetlejuice-citicards.html

 

 

http://www.consumeractiongroup.co.uk/forum/capital-one/90572-beetlejuice-capone.html#post827056

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  • 2 months later...

Still awaiting final way to calculate all interest owed have filled in Mindzai's spreadie.

 

Struggling to work out interets on charges want to charge current retail rate then CI on top is this okay, read loads and seem to be going around in circles??

 

 

Help

 

 

BJ :rolleyes:

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They have them, ask for their complaints procedure and threaten to report them to the Infomation Commissioner - they have to give you all the records, and their maths must be off cos 2004 is NOT 6 years in any event.

 

Thats twaddle.

 

Do all communication in writing from now on.

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I've have given up on Mindzai and Lucid(sorry). But they must have had enough who can blame them.

 

I calculate interest on charges (credit cards) so:

 

Simply(and that's is a joke!)

 

interest on statement divided by balance on statement multiplied by charges on statement gives portion of interest on those charges for that statement/month. I might need to amend which balance, the month before or month after as the first function should give near the interest stated on the statement(but it doesn't) no worries it's good enough for me

and I just add compound interest on each interest portion to date, if it's not right the Credit card companies can challenge and do the math.

 

Comments welcome, Excel here I come.

 

BJ

 

:rolleyes:

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Thanks Wednesday, it's the interest on the interest I'm trying to calc. I'll use that figure. Is there a latest Prelim, the POC's seem to be changing for the banks has this had any effect on the Prelims, or is the standard one still okay.

 

BJ

 

:)

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  • 2 weeks later...

ACCOUNT IN DESPUTE

 

Does anybody know (or what do you think about this?) if I write to MBNA with my Prelim request fro repayment and state that due to the fact they owe me more than my balance on my card that i am going to stop payments and the account is in dispute, can I do this?

 

 

Comments please

 

BJ

 

:cool:

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Consumer Credit Agreement - look at some of the other threads like Standings, Wednesdays and Jacksters!! I've not done it myself yet but am beginning to think I should. From what I understand, if they can't provide a 'true copy' of the agreement you signed, along with the terms and conditions at the time, and list of fees etc, then your debt is technically unenforceable. There's loads of threads about it...have a look and see what you make of it, but it might be worth a try. :D

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Well just finished spread sheet. PPI(cancelled this loads of times yet they still charged me) and Charges

 

Ive charged them 18.9% Demonstrable Interest and 27.95% Compensatory interest. Totals some 9k!!!!

 

Let see what they make of that.

Keep you all posted

 

BJ

 

:)

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  • 3 weeks later...

Prelim sent, but having had a look at the latest spread sheet I have amended for other claims on CC's I have miss calculated, by about £4K at the CI end (ie. not claimed enough!!). I have gone back and calculated DI (demonstratable interest) and then added CI (Compensatory interest) See BJ vs EGG for full discussion. I feel that these are much more accurate

figures.

 

Should I amend the amounts in my LBA? with an expalnation.

 

Any ideas anyone.

 

regards

 

 

BJ

 

:-|

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I have also just realized that MBNA have not sent me statements pre-03/2001 (Despite SAR)

 

My account was opened in 1998, so I am going to add a sum for previous charges that unless they can prove otherwise (by sending me earlier statements) they are likely to have charged me.

 

which is basically is:-

 

Total charges to date ÷ days from first charge on statements received gives (daily rate for charges from them) x days from opening of account = £800.00.(not to be sniffed at!). Not sure what rate to charge them "Demonstratable" interest at the first rate I have record of on first statement me thinks.

 

Any comments??

 

I am going to issue LBA today with these new amended figures, They have replied to prelim. stating that they will give me an answer by the 10th Sept 2007, but hey that's a few days away and I have given them enough time already.

 

Comments welcome

 

BJ

 

:)

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I'm not sure but i thought claims could only go back 6 years? If you can cliam more though - fantastic!!

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I beleive some people have suceeded in going back pre-6 years. I would say its not impossible, just not easy. I personally only managed to get 6 years exactly worth of statements from them... wish I had kept the old ones..:mad:

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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As I understand, it appears to be easier to claim back pre-6 years if some of your claim is pre and some is more current. I had an awful job myself getting statements off MBNA, They basically gave me about five and a half years worth, then after many emails and phone calls they advised me that the earlier stuff was still with Abbey National (who were the original owners of my card) eventually I received the last few statements from MBNA, after Abbey forwarded them on.

I would be very interested in receiving the other statements myself, particularly as my debt with them is now paid off and I know the statements probaly go back to about 1995/6 and I would imagine the charges probably started in about 1997/8 when various things floated towards a very large fan!!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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