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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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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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