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    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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This Is Vital - Fsa Mass Complaint


Cornucopia
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Guest Battleaxe

We are doing a covering letter at the present then to goes. Sorry for not keeping everyone updated on this. One or two minor crises (plural of crisis) have arisen. Will let you know as soon as we hear anything.

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Hi everyone..just read through the thread to catch up..looks like I missed the party lol. Anyway MBNA replied to my SAR by sending my statements and my uncashed cx plus credited my account with £840 as a goodwill gesture but also as a final settlement!! I have fired a letter of to them accepting the £840 only as part payment if this is not acceptable to them..then I asked them to take the credit back. I have now sent my pre claim and I am waiting with baited breath for their reply.

 

Battleaxe..hope things are going well with you and your family..

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We are doing a covering letter at the present then to goes. Sorry for not keeping everyone updated on this. One or two minor crises (plural of crisis) have arisen. Will let you know as soon as we hear anything.

 

In fairness, BA is waiting for me to compose the letters and she was gracious enough not to say that!!!!

 

I have been distracted of late, which she is aware of, so will be onto it a.s.a.p, hopefully tonight!!!

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 will happily put my name to the mass complaint, when my 40 days are up. I am on day 29 however, no acknowledgment yet, neither has my cheque been cashed through my account yet. I will be in touch if needs be,

Thanks for standing up and being counted

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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Guest Battleaxe

I try to be discreet at times. I have all the files compiled and they are going to mailed to all the Stat authorities. MBNA might be feeling a bit green around the gills when these complaints are checked out.

 

I do hope someone from MBNA is monitoring this thread. they can't say they weren't warned.

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  • 2 weeks later...

Hi B.A.

 

Do you still want complaints against MBNA or am I to late??

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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Hi B.A.

 

Do you still want complaints against MBNA or am I to late??

 

No, do it, PM BA and she will give you her e-mail address. I am very very very very late doing the accompanying letters, BA hasn't hassled me at all, bless her and I MUST do this, just other stuff (like sleep!) has taken precedence!! I am sure she won't mind a straggler.........!!

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 Corny it's late I'm off to bed ishall do it tommorow

 

good night

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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To quote a well known phrase, I don't believe it!!!

After an outrageous 80 days from the original date of my SAR, 2 letters from MBNA, 1 letter from myself and numerous phone calls, the black hole that is Chester Towers administration has finally coughed up details of my charges!

In a novel twist, they have also returned my much travelled and dog eared £10 cheque for the second time along with the immortal words that 'we have provided this information to you free of charge on this occasion'.

This looks like a sure admission of guilt on their blatant non compliance.

I would be interested to hear if anyone else from the mass complaint team has received a similar response.

 

The letter was signed by one Rachel Claridge, Assistant Vice President, a name that is unfamiliar to me so far.

 

As expected the initial payment the whacked on my account as 'full settlement' was less than half of the total charges.

My prelim letter is winging it's way to Ms Claridige to join the rest of the claims overflowing from her in tray.

 

No more delays! I know that hell will freeze over before they start meeting any deadlines so I am ready with my LBA after 14 days and MCOL after 28 days.

 

Battleaxe, please update my file with 25th April as date SAR fulfilled.

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Guest Battleaxe

Brett, I will update your complaint as requested.

 

Rachael (a.u.a.t.o.a.bull)Claridge is well know to quite a few of us.

 

Chester Towers is in meltdown. They can't cotton to things.

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Hope it's what you wanted

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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Hope it's what you wanted

 

Thanks very much for adding on! I think we should do this every quarter!!!!:D

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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If I had known about all this 2 years ago I would have bought shares in Royal Mail;)

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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Lazbones, naturally the SAR was not in the form of full copy statements as I have received back (within 40 days!) from other banks, but all of the charges were listed going back 6 years which was enough to get my prelim organised so it could be worse ... and at no charge too!

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Guest Battleaxe

All complaints have been posted to FSA, OFT and FOS. Thank you for your response and thank you Cornucopia for galvanising everyone into action regarding this. When the folders hit the relevant stat authorities desks, perhaps these authorities will see that we will no longer play the games MBNA et al, want us to play.

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thank you and well done to both of you, for all your hard work at bringing everyone together and complaining. Maybe now things might get easier for all dealing with MBNA. Thats if they do anything with our complaints. LETS HOPE !!!

Nick

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great work, all us Welcome Finance victims wanted to complain but who to? Financial Ombudsman told me they dont accept mass complaints, but it appears FSA do but they say they do not deal with WF?? any advice appreciated.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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  • 3 weeks later...

Corn?? I added all my details to Battleaxes mass complaint, MBNA have now told me that they cannot provide me with my CCA, what should I do now? Any ideas, or maybe you know someone that can give me a nidge in the right direction?? My thread is Standingupformyself and MBNA/ABBEY CREDIT CARD Thank you

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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