Jump to content


  • Tweets

  • Posts

    • Items for sale include five rare Ferraris and a pair of Air Jordan sneakers signed by Michael Jordan.View the full article
    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
    • 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.....................................
  • 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

Pabtyf Vs MBNA (A&L Credit Card)


Pabtyf
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6167 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 a little bit lost with all of this, my claim from Marbles went through very easily with minimal haggling and the full amount repayed. But MBNA are a whole different kettle of fish!

I've read up on a lot of the threads regarding MBNA (including the legendary Battleaxe saga!) and am unsure where I should go next..

 

I sent the orignal SAR off 17/03/2007

 

Recieved partial information back on the 4th May (only back to 2003) with letter saying they didn't treat it as a SAR etc. etc. and offering £390 goodwill.

 

Sent copy of drivers liscence and their comleted form back 10th May stating that they had not complied and giving them a further 10 days to (1 recorded delivery & one standard delivery :) just to be sure).

 

Sent another letter 25th May saying that extending their deadline again by 7 days (am I being too leanient??).

 

Recieved a letter 16th June, with the same set of statements and offering a further £662 (calculated claim as £976 so their offering more.) includes the line: "In regards to your SAR, we are currently dealing with this and your requested information will follow".

 

I have a couple of questions though:

 

I know I have been completely c##p at handling this account, but the minimum payment goes out of my account every month by direct debit. Invariably I recieve a monthly letter stating that the amount has not been recieved etc... I have not had an A & L card for at least 2 years (they stopped sending them) and there have been no purchases on the account since 2003 (still a whopping great balance though!)

 

What should I do next?

Should I just accept the offer and have done, or should I enquire about my CCA as I know for a fact that I have never signed a credit agreement with MBNA! or recieved anything with my new cards (as I haven't had any for at least 2 years.)

 

Help please.:?

______________________________________________

Pabtyf Vs Marbles Card £976 won :)

Pabtyf Vs Abbey S.A.R

Pabtyf Vs A&L Credit Card CCA Request sent

Pabtyf Vs Halifax Had first rejection

Link to post
Share on other sites

Just had a conversation with James Docherty ( 01244-672628 ) regarding my S.A.R (initially sent in March, and followed up with ID and a filled in form in May recieved by them may 14th). they've sent info back to march 2003 (account was opened in 2001).

 

What he had to say was quite interesting, if you mention that you are intending to claim back the fees in your letters they will treat it as a complaint and instead of sending out the complete requested data will generally make goodwill offers instead.

 

I pointed out that they are required to supply the information under the data protection act, and he just repeated the same thing...they treat it as a complaint etc etc. and that he'd speak to someone to get the information sent out!

 

is this a new tactic??

 

I've been trying to work out contractural interest on this card but don't have the balances as they just send a printout of transactions. Is there any way to do it without the balances? Shall I just add 29.9% everyday from the day the charge was made:-|

______________________________________________

Pabtyf Vs Marbles Card £976 won :)

Pabtyf Vs Abbey S.A.R

Pabtyf Vs A&L Credit Card CCA Request sent

Pabtyf Vs Halifax Had first rejection

Link to post
Share on other sites

pabtyf,

 

They are in breach of your request, but I do not know if the breach comes into effect if they have cashed your £10 payment or not (may another person can confirm this)

 

Youll need the information from a SAR as it tells you all the information you need, as in interest rates at the time, which might be why they just gave you a print out of the account transactions.

Link to post
Share on other sites

That's what I thought :( So what do I do next? I've sent of a CCA request today, it'll be interesting to see if that turns up

______________________________________________

Pabtyf Vs Marbles Card £976 won :)

Pabtyf Vs Abbey S.A.R

Pabtyf Vs A&L Credit Card CCA Request sent

Pabtyf Vs Halifax Had first rejection

Link to post
Share on other sites

Hi Pabtyf, I'm not sure I'd give them any leaway at all. All I got was a list of dates and fees from them after my SAR request (which was all I asked for). My hubby phoned MBNA because we wanted to know the interest rate they charged . It turned out we were on 24.9% from the very first late fee we ever got. I might be tempted to estimate the charges, claim 24.9% (or whatever you think your rate is) and send the LBA. It's then their job to prove otherwise. Good luck, Dizzy :D

Link to post
Share on other sites

Right then now just got to try and get my head round Vamps CI spreadsheet:confused:

______________________________________________

Pabtyf Vs Marbles Card £976 won :)

Pabtyf Vs Abbey S.A.R

Pabtyf Vs A&L Credit Card CCA Request sent

Pabtyf Vs Halifax Had first rejection

Link to post
Share on other sites

  • 3 weeks later...

Update: Finally recieved my full S.A.R - (Subject Access Request) today (including my £10 cheque). Unfortunately it also contains my original CCA so no line there:( .

 

I called them today to say that I'm not happy with their current offer, apparently the Defalt Charges team are no longer taking negotiation calls and you have to put it in writing (I was going to anyway) and send it to:

 

Default Charges Team

Customer Advocates Office

MBNA Europe Bank Limited

PO BOX 1004

Chester Business Park

Chester

CH4 9WW

 

(Not sure if that's a new address).

 

Anyways I think I have calculated my interest now (£672.92 not sure if it's right but it's enough:) ) so I'll send them my initial claim and see how it goes.

______________________________________________

Pabtyf Vs Marbles Card £976 won :)

Pabtyf Vs Abbey S.A.R

Pabtyf Vs A&L Credit Card CCA Request sent

Pabtyf Vs Halifax Had first rejection

Link to post
Share on other sites

Good luck Pabtyf, you will get there in the end.

I ve just received all my charges plus contractual interest off them today.

They kept sending offers and I kept sending rejection letters until I had the full amount. I had four offers altogether.

 

Penny.

Link to post
Share on other sites

Thanks Penny, good that you got somewhere with them, I'll keep at them till they give me what I want :)

______________________________________________

Pabtyf Vs Marbles Card £976 won :)

Pabtyf Vs Abbey S.A.R

Pabtyf Vs A&L Credit Card CCA Request sent

Pabtyf Vs Halifax Had first rejection

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...