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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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ukiainib V's MBNA


ukiainib
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Oh no, how awful, how could they do that??

 

My card is suspended cos I went over my limit and and then got behind with payments cos of the charges so when they credited the account with my £300 they said they were taking it off the balance and not the arrears so I was still in arrears even though my balance is showing less than my credit limit. When I sign in to my online account it says card suspended but I can still check my statements.

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Hi Ukianib

 

I received a identical letter from MBNA. The first offer I rejected but didn't cash the chq. They then offered a second settlement which excluding the first offer, offered the full amount without going to court. So I accepted the first payment and second payment in full.

 

This may I add to be payed to ME.

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I thought I read somewhere that Bryan Carter were 'not quite whiter than white'? :confused: I think we should be careful dealing with them because I also thought Bryan Carter had been removed from the Solicitors Roll...need to check this. MBNA are very keen to use YOUR money :mad: to pay to the DCA - why? If the debt has been sold then they already have (a) money from the sale of that debt, and (b) an amount by way of tax relief from the Chancellor! ALL WITH YOUR MONEY!!! It is about time these bullies were taught a lesson they won't forget! :-x

Apologies for that...feeling much better now.

BEST WISHES TO ALL AS ALWAYS...............

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Hi Dougal16T,

 

Yep I read that thread as well about Bryan and Carter but after sending it.

 

Nice to know the way they work, and use our money, was wandering why they offer a quick settlement, if you can pay it in one lump sum......sneeky blighters.

 

A good rant is welcomed anytime ;)

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How on earth do you work out the APR, statments say 1.8735 so you times this by 12 to give you 22.482...but this is wrong, as it should be 24.9%

 

24.9% divided by 12 is 2.075...now I am getting :confused:

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I sort of cheated on this bit as I couldn't work it out either. I modified a spreadsheet which originally showed 8% interest with a daily rate underneath. If you change it to the rate you need it adjusts the daily bit accordingly. I think it was one of Vamps, but it was a while ago so I'm not 100% sure. :)

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Hi DizzyI done the same, as it uses the day of the offence(as when they charged you) to the day you put the date in the spreadsheet.I wander what I will go for £81 as a one of 24.9%, or £570 for CI from 04-06-04 till the date on spreadsheet.....hummmm I wander if you can call it theft?

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Yippy :Dgot a cheque :Dthis morning for the £523 they were going to credit the account with, so do I class it as won?, even if the interest is still outstanding, as I am going for the CI as well.

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Congrats.

Thats 3 wins for 3 caggers in 2 days :)

 

 

I got a letter today saying they will credit my account with my refund. So how did you get a cheque, did you ask? Or have they sent it by mistake when it should of been creditted to your account, or is your balance zero and its the difference :)

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Hi Wednesday1867,

 

I sent a letter to them, a link here, the balance outstanding in debt is with fredrickson's apparently, so I am waiting for them to contact me now, so I can start sorting that out.

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Hi Wednesday1867,

 

I sent a letter to them, a link here, the balance outstanding in debt is with fredrickson's apparently, so I am waiting for them to contact me now, so I can start sorting that out.

 

 

Think ive seen some good fortune and i dont fancy pushing my luck, saying ill only accept if its a cheque :D

 

Ill let them take it off my balance, and im gonna reclaim the ppi, which should bring me out with a few quid ;)

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just thought, I am sitting here going through my file for MBNA and noticed the postal order is still sitting here, where they returned it to me, suppose I could send it back to them, as a payment towards the remaining debt, rather than putting £10 in the bin.

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well letter drawn up and posted, with the postal order, below is the letter..hopes it is in order...if its not then please someone shout.

Response to settlement offer.

Dear Emma,

Thank you for the letter’s dated 18th and 20th June 2007

Enclosed is a postal order for £10 which is payable to MBNA, I have returned this to you for crediting the account, as it is crossed, and can not be transferred.

I respectfully decline your offer of settlement and request, one final time, that you return to me the remaining compounded interest imposed on this account, which has now an outstanding amount of £550.07.

In order to avoid litigation against you, I am prepared to temporarily accept the sum offered as partial settlement on the clear understanding that the remainder is paid within the next 10 days. Failure to comply with this request will result in legal action against you for full recovery plus cost’s and fee’s occurred.

For avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

Also enclosed is an updated report of the charges, and the repayments you have paid.

 

Yours faithfully,

 

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