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    • dx and Nick are spot on. The letters are meant to make you panic. But in reality they are hamster bedding.  You're not being formally threatened with court.  No-one from the parking company or DCBL will attend your friend's property. Do I understand from your description that once you realised the terms & conditions of the car park that you left as soon as possible?
    • Hi Jas and welcome to CAG.   Well done for reading up around the forum. Shame you didn't come here before appealing. Still, we are where we are. You also have 5 minutes "consideration" time, so no overstay at all. You've already found out the hard way that these PPC's are the lowest of the low and just want your £££'s.   As long as you've only got demands and final demands so far you're ok. (You'll probably get a few more!) If / when you get a letter of claim is the time to take action. (Snotty letter if you've been reading up on here.) Anyway, when your son is available, upload all the missives you've got so far and a copy of your appeal and their rejection. Is this the place? https://www.google.com/maps/@51.4431645,0.3643912,3a,75y,228.26h,88.19t/data=!3m6!1e1!3m4!1ssgS-tS92m3P_6STVzH4yqA!2e0!7i16384!8i8192?entry=ttu There doesn't seem to be much in the way of signage. (The view is from 2022) Any chance of getting some up to date readable pics of their signage next time your friend is out and about?
    • yes schoolboy error - corrected to parking begging? im being polite,..following citizens advice.. when you have mental health issues and its causing more anxiety im asking the people demanding money to stop as it will only make the situation worse. the person in question is already in a lot of debt etc and cant pay it back and its not through irresponsibility that shes in debt
    • Advice noted! Seen you mentioned about a Paploc (forgive the spelling if wrong) You seem to know a fair bit about these matters, from reading your replies on previous threads. I just have another question please.    Am I right in assuming that the only way it can ever get to that is if the Italian justice system deems it worthy of assigning it over to the British justice system? As difficult as it may be.  I just want reassurances I guess. I can see the DCA giving up, but not the solicitor in Italy, I have no knowledge on these instances.
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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 
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    • 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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Standingupformyself V MBNA/Abbey CC **WON**


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Well done Standing! Yet another one bites the dust! MBNA have repaid all my charges but not the CI which I am now fighting for plus am still awaiting for CCA request - date is up next Wednesday when I will go for the PPI I have paid plus the interest on that! Enjoy the dosh when it comes!

 

I beleive the CCA or lack of it is the key here.... keep us posted xxxx

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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:D :D :D :D

Fan-dabby-dozeeeeeeeeeeeeee!!!!!

 

Well done for keeping at them.

 

Can i just be boring and ask a formal question? I can't

remember if you've already posted which e-mail address you've

used. Could you share it or pm me? Hoarding all relevant resources

ready to fight claim for OH.

 

Well done, i hope the excitement doesn't keep you awake! :p

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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Right, whose round is it then as we're celebrating yet another success.......;)

 

And er, ukiainib - I hope the 'exclusive successful club' are going to be hanging around for a while to point their 'not yet successfuls' in the right direction.....:-D ....and don't spend all that money at once either!!;)

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well this member is!!!!! I have got lots more to do myself yet !!!!! and happy to share anything I have learnt so far.

 

Got the letter through this morning, sounds the same as Wednesdays, it doesnt ask for a reply, but I am going to write one, or maybe email one.... its only polite, and why shouldnt I? They have just helped me out enormously!!!!!

 

Sadly dizzy, I wont be spending any of it, on the basis that I already had!!!! They are paying me out just a smidgen over £3500, and I owe them that much, but hey! At least they will no longer be phoning me, writing to me, hassling me by text on my mobile..... ITS ALL OVER!!!!

 

I am so happy, and here to help anyone else I can xxxxxx

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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Oh Wednesday my friend...... there is no need for that, I am a strictly bacardi girl, but having said that, have whatever you want hunnie!

 

Dizzy? I have started a new thread on phase 2 of MBNA it is

 

MBNA admitted no CCA, so I want to claim interest back...

 

No One has replied yet, but I hope an expert or two will pop up over the next day or so.

 

Thanks Jackster,,,,, your turn now xx

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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Congratulations:) :)

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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:-D Hey Standing. Has it all sunk in now? I'll be like you. Any money i get back will just pay off debt, but after all the stress of debt it will still leave me elated.

 

Thanks for posting e-mail address the other day. I'll see how your part 2 goes with interest claim.

 

Best wishes :wink:

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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  • 2 weeks later...
Consolidation (or restitution) is as yet untested territory (as far as I am aware, although I think there are a couple of cases in the pipeline), but it means reclaiming all interest you have paid whilst the account was running, the reasoning behind this is they had no right to profit from your payments whilst operating the account unlawfully (ie : without a true copy of the executed agreement).

 

One step at a time, I think and you are doing this the right way round if you ask me..........pick away at it and you will get there...........! xxxxx

 

 

Hi Corn,

Not sure if you are out there at the moment, but if you are can you have a look at my other thread please and let me know whether the route that was suggested above is still possible?

I appreciate it, thank you

MBNA admitted no CCA, so I want to claim interest back...

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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Didn't think I would need advice again on this one...........but I received my statement this morning and something very strange has happened.

I was expecting two credits to show up on the account, because last month the first Goodwill payment was on the statement, then they offered a 2nd one, so that should be there, then they offered my final settlement, which also should be there... I also pay a set payment of £10 weekly, so was expecting three or four of those to be there too...

 

instead this is what was there

14.06.07 Payment, debit card thank you £10 CR

16.06.07 Adjustment to balance £500.00 CR

16.06.07 Adjustment to balance £475.00 CR

21.06.07 Payment, debit card thank you £ 10.00 CR

26.06.07 Adjustment to balance £500.00 CR

26.06.07 Adjustment to balance £500.00 CR

26.06.07 Adjustment to balance £500.00 CR

26.06.06 Adjustment to balance £231.38 CR

28.06.06 Payment, debit card thank you £ 10.00 CR

29.06.06 Adjustment to balance £500.00 CR

29.06.06 Adjustment to balance £500.00 CR

29.06.06 Adjustment to balance £500.00 CR

29.06.06 Adjustment to balance £231.38 CR

05.07.07 Payment, debit card thank you £ 10.00 CR

Interest charged 0.00

 

Balance this statement £1625.32 CREDIT

 

What do I do now!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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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I have tapped all this into my calculater and realised they have paid me the final payment of £1731.28 twice!!!

I am not able to touch this money, have not had a card for years, so couldn't do anything wrong if I tried! Should I tell them? Please help, MBNA have done nothing but made me smile now for weeks!!!!!

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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What a downer you can't go and book a holiday!! :p

 

To be quite honest i would be inclined to say nothing and leave it there. Think how good it will look on your credit file.

 

There must be a law that if it's there long enough it's yours!! There's a another battle for you when you're old a grey. Just think, a few months back i bet you never imagined you'd be wondering what to do about having TOO much money in your account!! :D

 

Have you looked at Vinegarvera's thread? She's desperate for some advice and i'm not experienced enough to give anything constructive yet :rolleyes:

 

Have a good day.

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'll look up Vinegarvera and see if I can help.... thanks for your input Hopeful, have a lovely day..... mine is starting off well!!!!!

 

PS..... I have looked at the thread you mentioned, and although I am not able to help myself, I have posted a link in a CCA forum where, it appears, some very clever people lurk! I hope it helps

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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I think that is all I can do..... Cant get it out, and if I asked for it they would probably see the error of their ways!

 

The pint might have to wait

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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BUT - what if they charge you for being in credit!

Yes - the banks have thought of another way of screwing you for money these days and that is to charge you for being in credit!!!

a nice dilemma to have standing ;)

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Should I write to them I wonder, saying I want to close this account and could they please send me a cheque for any remaining balance?

Could be interesting

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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  • 2 months later...

I have been reading other peoples threads about the possibility of claiming charges back pre 6 years. I have not got any statements though... one CAG member, Blossomandebony seems to have suceeded, has anyone else I wonder? Any suggestions though as to how to go about this? MBNA took over my account approx 6 years ago, so who would I go to and how would I do it? The account was initially owned by Abbey National. Could I estimate the charges? All and any help and opinions very very welcome xx

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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Oi! Mrs I'm so popular Standing - clear yer inbox!!! :p

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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