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    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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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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