Jump to content


  • Tweets

  • Posts

    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Moneydownthedrain v MBNA


Moneydownthedrain
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6552 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, I'm new to this site and I hope that I'm doing this correctly, but I desperately need some some advice. Since March our finances have been in the hands of CAB and all creditors except MBNA have accepted the amounts allocated by the CAB. Although regular payments of the agreed amounts have been sent to MBNA, since March their bills have increased by £514 and £697 respectively on each card, due to £25 late payment fee & mega interest monthly and now £25 over limit charge. We also receive daily telephone calls to our home, mobiles and work which are quietly threatening. Also loads of letters, to which I replied to each and every one repeating the circumstances. Yesterday we received a very threatening 'Intention to commence legal proceedings' which stated 'may result in County Court Judgment, Attachment of Earnings and Bailiff with a Warrant of Execution'. I have spoken to the Debt Management team - who said they would stop additional interest of the account if I would increase the payments by an extra £60 but they wont refund the above amounts. We are on a budget plan and every penny is allocated. Is there anything we can do to stop these additional charges? Any advice would be welcome, the CAB due to funding problems have closed the case. Help!!

Moneydownthedrain

Link to post
Share on other sites

hi, i relly wish i could help, you sound so desperate! personally i would let them take you to court, i think i'm right in saying as long as you are paying the agreed amounts on time they wont win. as long as you can show the court that you have and are willing to pay something they will throw it out! of course i'm not an expert but i do think you are doing the right thing. hope this helps? i'm sure someone on here will help you out with advice. keep your chin up:)

Link to post
Share on other sites

Hi, I'm new to this site and I hope that I'm doing this correctly, but I desperately need some some advice. Since March our finances have been in the hands of CAB and all creditors except MBNA have accepted the amounts allocated by the CAB. Although regular payments of the agreed amounts have been sent to MBNA, since March their bills have increased by £514 and £697 respectively on each card, due to £25 late payment fee & mega interest monthly and now £25 over limit charge. We also receive daily telephone calls to our home, mobiles and work which are quietly threatening. Also loads of letters, to which I replied to each and every one repeating the circumstances. Yesterday we received a very threatening 'Intention to commence legal proceedings' which stated 'may result in County Court Judgment, Attachment of Earnings and Bailiff with a Warrant of Execution'. I have spoken to the Debt Management team - who said they would stop additional interest of the account if I would increase the payments by an extra £60 but they wont refund the above amounts. We are on a budget plan and every penny is allocated. Is there anything we can do to stop these additional charges? Any advice would be welcome, the CAB due to funding problems have closed the case. Help!!

Moneydownthedrain

 

Hi,

 

I do feel for you, as I know what you're going through.

 

Do yourself a big favour and go onto http://www.nationaldebtline.co.uk

 

Download the self help pack and give them a call asap - it'll take time to get through.

 

Firstly, be aware of this:

THEY ARE TRYING TO WEAR YOU DOWN, MENTALLY and also your dignity.

 

The telephone calls probably come from a company called Global Vantedge, or GVI as they like to be called. These are filth from the pit of new delhi - and they all read from the same script.

 

Am I right in thinking that you probably get 3 - 4 calls a day from these people, and they call from 8am through to 9pm. Before you speak to them always ask for their 'login ID'. Also when they call ask for the address of their HQ or UK base of operations. If you haven't recieved a letter from GVI telling you that they are taking care of your debt, then tell them also that you don't know who they are.

 

You could also ask if the debt has been sold on to them, if yes (it wouldn't have) tell them that you want an official letter in writing from MBNA saying that they will have no further communication as the debt is no longer with them.

 

Also you are within your rights to ask that they only contact you by post. If you notify them of this intention, and they still call you, then a letter to the OFT is in order.

 

The debtline pack is also full of sample letters that you can modify to send on. Don't ever be scared of a CCJ, a judge will look favourably upon you as you have made every effort to pay.- you have shown a willingness to pay.

 

Companies like MBNA really don't want to go to a ccj, it's a bit like going down the bankruptcy or IVA route, the minute it goes in front of a judge, it all gets taken out of their hands.

 

They prey on the stigma of having a poor credit rating and court judgments to scare you. As for bailifs, only a court can order a warrent of execution for a bailiff, and again, if it's gone this far, it's out of their hands anyway.

 

What i'm trying to say is that you shouldn't worry - there is very little that can be done, that is why despite all the letters saying that you're going to the cleaners in a fortnight, they keep coming for months afterwards.

 

MBNA are financial paedophiles collecting because you don't want their sweets anymore.

 

It would also be worth ringing them, one evening, and saying that you want to update them of new contact numbers - get a pay as you go sim card and give them the number for that. - they never leave messages.

Also ask what number they have for work and say it's the wrong number as you are moving offices or location, and that the mobile is the only number to get you on. If they won't have it, just give a cobblers number out of the yellow pages.

 

But do give debt line or payplan a ring - payplan can try and set up a dmp (debt management plan) or an IVA, but more importantly they'll give you peaceof mind. I called them before christmas, and I wish i'd have done it a year ago.

 

If you need any support or advice, feel free to PM or post.

 

Also if you can, try and tell them if they call in the day to call in the evening, and record the conversations - these are admisible in court, and i'm sure that once you have enough of them, if it did go to court or you wished to sue them for harrasment and distress they would make excellent listening.

 

Hope this puts some of your fears at bay. just keep paying what you can. As long as you pay something, there is always the papertrail to say that you have tried everything possible.

Link to post
Share on other sites

Hi Moneydownthedrain !

 

I am so sorry to hear about you situation:(

but if you want help and advice....

post your question under your own BAG ID, rather than on Sev's "Devious ****"-

 

Think of a title, post your question again and then you will receive more responses and GOOD advice.

 

You are entitled to claim back the Unlawful penalties that have been applied to your account and if you are on a low income and in receipt of working tax credits etc., then issuing a county court claim would cost you very little or nothing.

 

Read the FAQ's and then post your question again.

 

Kind thoughts

 

angry cat

Link to post
Share on other sites

Don't worry Moneydownthedrain!

 

Now that you have got your own thread, you can keep us all posted on your progress and I see that you have already had excellent advice from Sev.

 

make sure that you phone national debtline on monday, they are extremely helpful.

 

Kind thoughts

 

angry cat

Link to post
Share on other sites

Hi Moneydownthedrain,

 

I have a DMP running through Payplan and MBNA are one of my creditors. I can't recommend Payplan highly enough. They will handle all the contact for you if that is what you want. Also, as soon as I involved Payplan ALL interest and ALL penalty charges stopped.

 

It must feel horrible for you right now but it will get better.

 

http://www.payplan.co.uk

 

Sharon

Link to post
Share on other sites

Hi Sharon,

Thanks for the advice, I certainly will contact them tomorrow. I have a financial statement arranged by the local CAB and just going to them took a lot of courage (admitting that you are drowning in debt!) but I felt tonnes better afterwards, only to be told six weeks down the line that they were closing the account due to lack of funding, I felt sick. My god! I was on my own with the creditors braying for blood. As I have said over the weeks most creditors accepted grudgingly and some have stopped the interest but not MBNA. And then I heard on the televison about this forum. Thank GOD. I will keep you inform.

Thanks to everyone.

moneydownthedrain

Link to post
Share on other sites

Good Girl,

 

Call PayPlan and debtline. they are an absolute godsend and put everything in perspective for you. Keep us informed, and don't feel afraid to ask questions.

 

We've all been there, are there, or about to go there!

c-Ya

Link to post
Share on other sites

Hi Moneydownthedrain

 

Just remember that you are not alone!

 

MBNA are the worst but they will eventually 'Cave In'....You just need to be aware, that once you have contacted National Debtline or Payplan, you will then have the correct advice on how to deal with the matter.

The OFT has a 'Code of Guidance' on how firm's should treat debtors and MBNA has to adhere to this Code.

 

Have a good night's sleep and forget about MBNA until the morning, when you make your phone call to one of the debt advice lines.

 

I have had three years of torment from MBNA, therefore I know exactly what you are going through....!

 

When the going get's tough, the tough get going.....

 

Kind thought to you:)

 

angry cat

Link to post
Share on other sites

This is my 1st time into this site (newly registered ;) ), and I have to agree with yourself and Sev that of all my 'problems' in the past MBNA was the worst and the nastiest. :evil:

 

Once I know a bit more (and find out where to start reading the site) I'll be starting a couple of threads of my own and you can hear the full (sad) story.

 

Good luck with what you're doing, and I hope I find my feet quick enough - the 6-year rule is aleady chopping off access to the charges against me.

Link to post
Share on other sites

Hi Taylormade,

Welcome, :) I've only been registered a few days my self and I'm still finding my way around but helpful advice and support offered by everyone, is worth its weight in GOLD.

 

I'm off to write to MBNA again asking for a refund of £1000 plus charges since March.

Moneydownthedrain

Link to post
Share on other sites

I can sympathise entirely with your experience of dealing with MBNA. I am also on a debt management plan (via the excellent and free CCCS) and like yourself found this bank to be the most obnoxious, uncaring and downright sneaky organisation I have ever had the misfortune to deal with.

 

The one thing I did stipulate with them right from the off was that I would only deal with them via written correspondence - about the only request of mine they did stick to. The account has been passed backwards and forwards between MBNA and various dubious debt collection agencies, all of whom gave up when I informed them I was on a DMP with CCCS.

 

They pull some very dodgy stunts - sending you pretty postcards informing you they will telephone you during the week, sending dodgy Telemessages and (prior to my written correspondence only request) telephoning me at work pretending to be a mate....

 

This organisation refused point blank to stop interest charges, and for 10 months after the debt management plan continued to charge me £50 per month for late payments/overlimit fees, as well as extortionate interest.

 

In the end, I snapped and rang them. I was highly fortunate to get to speak to someone who was actually sympathetic to my cause and she eventually froze the interest and charges on my account. They then passed the debt to yet another collection agency.

 

Their tactics are borderline harrassing (do a search for the word harrassment on this forum), and you should be aware there are plenty of laws in place to protect the consumer from devious actions such as these.

 

Nothing will give me greater pleasure than taking these uncaring numpties to court. I have not yet commenced action against them (I am starting with the equally obnoxious Halifax, a former employer back in the day when they were aq caring building society, not a money grabbing bunch of capitalist pigs).

 

Anyroad - upshot is, follow the advice from folks above : Payplan, CCCS, CAB and National Debt Helpline know all about MBNA. Don't lose heart, and don't let the b-words drag you down : their computerised standard letters are a joke and are worthy of the treatment I gave them : nothing...

Link to post
Share on other sites

Hi Taylormade,

Welcome, :) I've only been registered a few days my self and I'm still finding my way around ......

 

It looks like we're starting from about the same point - it'll be interesting to see how each other are doing (although I'm probably going to start with HSBC). I just noticed - you're local. :) First one to a repayment buys the other a pint of their choice (Pepsi for my I'm afraid) :D

Link to post
Share on other sites

Hi again,

You're on, but you will have to add vodka to mine after this. I've just spent the last hour writing a letter to MBNA, I would appreciate any comments before I post it.

 

Here goes:

 

Attention: of the Debt Management Team,

Dear Sir/Madam

With reference to a telephone conversation with your advisor Anthony on 8th June, regarding your letter ‘Intention to commence legal proceedings’ received on the same date.

I again repeated our financial circumstances and our compliance with arrangements made by the CAB that regular payments of £49.40 against the above account ending in 2441 and £36.26 against account ending in 6859 have been made and the first payment was made on the 16th March and has been paid regularly since that date.

I express concern that your company was still charging late payment fees of £25 each month, mega interest and now over limit fees of £25, and the fact that your bills have increased by £514.53 and £697.77 respectively since March. Anthony agreed to freeze all charges on both cards from that date but refused to refund the above charges.

After taking advice, I am officially again asking you to refund all charges levied against the above cards over the last six years up to and including the above amounts. I now understand that the regime of fees which your company applied to our accounts in relation to late payments and other charges were unlawful at Common Law, Statute and recent Consumer regulations.

If you wish to dispute that fact, could you please send me a full breakdown of the costs accrued by your company as a result of our breaches, this would greatly reassure me that your penalties really do reflect your costs.

Also, I would like to draw your attention to the report issued by OFT on the 5th April 2006 in which it confirmed that your particularly high level of penalties are considered to be unfair and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

Anthony also requested that we increase the CAB agreed payments to £88 and £65 respectively to bring the payments in line with your 8% rule. This unfortunately, we can not do as all available income has been allocated fairly between all creditors. I am sure if your company refunded all charges levied against these accounts over the years, the payments offered and made would comply well within your 8% ruling.

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

We also wish to inform you that all other creditors have accepted the amounts allocated to them by the Citizens Advice Bureau. We would also appreciate your company’s acceptance and refund of charges.

Yours Faithfully etc., End

What do you think?, is it OK or does it need any adjustments. ALL COMMENTS WELCOME.

Moneydownthedrain

Link to post
Share on other sites

Hi All,

One hour and a vodka & coke later.

 

Here goes:

 

Attention: of the Debt Management Team,

 

 

Dear Sir/Madam

 

With reference to a telephone conversation with your advisor Anthony on 8th June, regarding your letter ‘Intention to commence legal proceedings’ received on the same date.

 

I again repeated our financial circumstances and our compliance with arrangements made by the CAB that regular payments of £49.40 against the above account ending in 2441 and £36.26 against account ending in 6859 have been made and the first payment was made on the 16th March and has been paid regularly since that date.

 

I express concern that your company was still charging late payment fees of £25 each month, extortionate interest and now over limit fees of £25, and the fact that your bills have increased by £514.53 and £697.77 respectively since March. Anthony agreed to freeze all charges on both cards from that date but refused to refund the above charges.

 

After taking advice, I am officially again asking you to refund all charges levied against the above cards over the last six years up to and including the above amounts. I now understand that the regime of fees which your company applied to our accounts in relation to late payments and other charges were unlawful at Common Law, Statute and recent Consumer regulations.

 

Also, I would like to draw your attention to the report issued by OFT on the 5th April 2006 in which it confirmed that your particularly high level of penalties are considered to be unfair and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Anthony also requested that we increase the CAB agreed payments to £88 and £65 respectively to bring the payments in line with your 8% rule. This unfortunately, we can not do as all available income has been allocated fairly between all creditors. I am sure if your company refunded all charges levied against these accounts over the years, the payments offered and made would comply well within your 8% ruling.

 

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

 

We also wish to inform you that all other creditors have accepted the amounts allocated to them by the Citizens Advice Bureau. We would also appreciate your company’s acceptance and refund of charges.

Yours Faithfully etc., End

 

 

What do you think?, is it OK or does it need any adjustments. ALL COMMENTS WELCOME.

Moneydownthedrain

 

 

MODERATED threads joined .Please keep to the one thread when updating

Link to post
Share on other sites

Letter to DMT MBNA - Does this sound OK - All comments welcome Hi everyone, I posted this thread on Sunday, after taking everyones advice but I must have done some thing wrong because I have no responses, so I thought I would try again..

:p :p :p

 

Hi All,

One hour and a vodka & coke later.

 

Here goes:

 

Attention: of the Debt Management Team,

 

 

Dear Sir/Madam

 

With reference to a telephone conversation with your advisor Anthony on 8th June, regarding your letter ‘Intention to commence legal proceedings’ received on the same date.

 

I again repeated our financial circumstances and our compliance with arrangements made by the CAB that regular payments of £49.40 against the above account ending in 2441 and £36.26 against account ending in 6859 have been made and the first payment was made on the 16th March and has been paid regularly since that date.

 

I express concern that your company was still charging late payment fees of £25 each month, mega interest and now over limit fees of £25, and the fact that your bills have increased by £514.53 and £697.77 respectively since March. Anthony agreed to freeze all charges on both cards from that date but refused to refund the above charges.

 

After taking advice, I am officially again asking you to refund all charges levied against the above cards over the last six years up to and including the above amounts. I now understand that the regime of fees which your company applied to our accounts in relation to late payments and other charges were unlawful at Common Law, Statute and recent Consumer regulations.

 

If you wish to dispute that fact, could you please send me a full breakdown of the costs accrued by your company as a result of our breaches, this would greatly reassure me that your penalties really do reflect your costs.

Also, I would like to draw your attention to the report issued by OFT on the 5th April 2006 in which it confirmed that your particularly high level of penalties are considered to be unfair and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Anthony also requested that we increase the CAB agreed payments to £88 and £65 respectively to bring the payments in line with your 8% rule. This unfortunately, we can not do as all available income has been allocated fairly between all creditors. I am sure if your company refunded all charges levied against these accounts over the years, the payments offered and made would comply well within your 8% ruling.

 

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

 

We also wish to inform you that all other creditors have accepted the amounts allocated to them by the Citizens Advice Bureau. We would also appreciate your company’s acceptance and refund of charges.

Yours Faithfully etc., End

 

 

What do you think?, is it OK or does it need any adjustments. ALL COMMENTS WELCOME.

Moneydownthedrain

Link to post
Share on other sites

Hi MDTD, here are my initial thoughts.

 

In your opening paragraph I'd loose the word mega as it sounds a bit 'street'. Maybe 'high' would be better, or if you feel that strongly you could use 'unacceptable' or 'extortionate'.

 

I would like a response in writing with in 14 days accepting unconditionally my request in principle.

 

If you don't get a response what are you going to do? Warn them!

 

If you wish to dispute that fact, could you please send me a full breakdown of the costs accrued by your company as a result of our breaches, this would greatly reassure me that your penalties really do reflect your costs.

I'd drop this paragraph. You've already said that you believe their charges are unlawful - why bother to get into a stream of communication whilst they try to justify them? Give them 14 days to refund them and then take them to court if they don't. That's when they can try to justify their charges ;)

 

Also, you may want to check whether or not you can freeze any payments/interest on this account whilst the account is 'in dispute'. Maybe a Moderator, the CAB or a search on the site can answer that one?

 

Good Luck

 

Worz

I used to be a dummy, stuffed full of straw and standing in the field of life. And like the straw-filled dummy I was I accepted my lot in life and carried on, tied to a stake in the miserable field of depression as the elements beat me day and night. But there came a time when the elements had gone too far and the string holding me to the stake fell rotten to the ground. The elements had tried to beat me, but instead had set me free!

Link to post
Share on other sites

Threads merged - please stick to one thread - you have been warned about this before!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hi MDTD

i can empathise with what you are going through.I too have equally nasty experiences with MBNA, doubled up as a card i had with A&L turned out to be provided by MBNA.!! As clayts said, they really are "the most obnoxious, uncaring and sneaky of them all". For three years i had multiple daily phones calls, very often of an aggressive and threatening nature. I too had all the threats of legal action, and it was only after getting adviced from the CCCS (both excellent and free as clayts said), and sending in letters and budget plans drafted by the CCCS to the MBNA that they backed off. At that point I was contacted by someone with a modicum of decency who froze the interest and agreed to a realistic payment plan.

So dont worry yourself unduly, stick to your guns and they will eventually agree to your payments. They probably ask for regular reviews but keep sending them the same budget and advise them nothing has changed and they will accept that. At least that is what has happened in my case.

In terms of taking you to court, as others have said in their posted replies, the fact that your a dealing with an organisation managing your finanacial affairs and offering regular payments in line with the budget set by CAB would be acceptable to any court

i intend to start action to reclaim charges from MBNA for both my accounts, so i will watch your progress with interest.

 

good luck

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...