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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
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    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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CrispDust v MBNA


CrispDust
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No idea. I've got statements somewhere, probably, but somewhere is deep in the bowels of my loft and I'll get a migraine looking through all the stuff. Much better to let them do the donkey work for £10!

Probably alot as the debt was included in my IVA - all settled and paid in full 18 months ago. Although I discovered yesterday that they have had the cheek to put on my credit record with Equifax that it was only "partial payment" Yeah too damn right because most of the debt was hiked-up unlawful charges!

Little buggers aren't they?

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Did you chase the dpa up with MBNA??

 

Only want to know as im gonna be in your position soon

 

still no word from our friends at mbna to my dpa.

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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you can't claim online for DPA failure, you would need to do that in person at the court and remember you can only claim for distress on DPA actions if you have suffered a monetry loss e.g. postage, phone calls etc.

 

Issue the claim but they will file a defence around day 14 but give you what amount you want by way of a good will gesture and that will get rid of your claim as far as they are concerned.

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soused scurry- why can't you claim using MCOL? Surely the whole procedure is identical, wether you use local court or not?

And how do I know the amount i I don't have the information to work out claim!

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OMFG!!

I don't like using the phone for these sort of things - letter always much more direct and simple but I thought what the heck - gave Gareth T a call today, before submitting Small Claims on DPA compliance. He wasn't in but the lady i spoke to eventually found that the SAR request info/transactions had been sent to an address last used over 5 years ago....

The 3 letters I have sent had my "new" 11 years old address on, clearly headed notepaper. Indeed they even replied to my current address on 23rd June!

Informed nice lady that i would be making a complaint to the Information Commisioner cos they had sent sensitive data to the wrong address.

 

And it goes on...

Returned home (to my "new" current 11 years old address) to find a letter from MBNA saying thank you for the letter of 16th June - yes this is true and "sorry to read of my dissatisfaction with the application of charges" - untrue. All i have done is submit a SAR so I can make a calculation of unlawful charges!

 

And it goes on...

There was some pathetic defence about T&Cs blah blah and then low and behold an offer (goodwill) of £450, credited to my account, plus the return of the £10 postal (enclsoed) order. It then goes on to mention that the credit raised will be forwarded to Eversheds (legal firm I think...) to reduce my outstanding balance.

Couple of eyebrow raisers here:

1. Refund even though I haven't yet asked for it 9it will be more than £450)

2. Credited to my account? the account was closed in 2001...

3. £10 postal order? I sent a cheque. The "returned" postal order was not enclosed as stated.

4. I have no outstanding balance and certainly no arrangement with Eversheds!

 

Looks like they are communicating with me over somebody else's claim.

Any takers?

Account number ending ....7183. Its possible they may have extracted the wrong account number as i did not know it.

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what a cock up !

 

I would call michael rhodes pa on 01244 672040 and go mad ! Why aren't they taking your claim seriously ? (well that would be my take) This should get it sorted in no time.

 

alternatively, wait until between 1 + 2 pm when the pa goes to lunch and then call, you may find you get Michale Rhodes answering himself, that's what happened to me a couple of weeks ago

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Well I received some infomation from MBNA (to the correct address) - just a list of "unlawful" charges - about £500 or so, sort of transferred into a spreadsheet table. Looks "manually" done - can we trust this?

But nothing else.

The letter stated if I wanted a "full" Subject Access Request I would have to let them know and send £10.

 

Doh! - my S.A.R - (Subject Access Request) letter stated quite clearly I wanted all the data they hold on me. And they already have the payment - they didn't return the cheque they said they had in the letter. These people really don't know their a*@e from their elbow do they?

Anybody know what the monthly interest rate for an MBNA carde circa 2000-2001?

Does 2.5% sound about right?

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As part of my LBA (21/8/06) I sent a revised letter requesting the original amount PLUS contractual interest. This more than doubled the claim :)

I have received a cheque today for the original amount that MBNA "offered" in the cock up letter (see earlier in thread) - which is JUST charges - no interest of any sort and only 35% of total claim. NO conditions attached. Not even in FULL and Final Settlement". Which is weird.

 

Naturally I will accept cheque in part payment and wait for the remainder.

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I'm just about to start with my old 'friend' MBNA, but reading your thread makes it look like they have NO IDEA what they're doing :(

 

I've got old statements but can't find the new ones, so I'm going to try an open ended (non-date-limited) S.A.R and see what I get back. I'm sure they passed me on to a debt collection agency (Direct Legal and Collections) so I'll see if that information comes back as well.

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