have received a PCN where I allaegedly parked on a "permit holders" space without a valid permit. But the sign closest to where I parked was hidden. The sign which I saw on the other side of the road said I could park for 30mins free - no return within 2 hrs. Do i post a new thread for this?

thanks for the reply. can you please point me to specif threads which discourage requesting a electronic CCA. Also, I think my question is somewaht lacking detail. The EGG accounts (there are two) as claimed by EGG are pre 2004, so electronic signatures do not apply. I simply want EGG to scan the supposed agrrement(s), (which if they exist would be in paper form ) and e-mail them to me as a .doc or .pdf etc.

my question is relating to the way in which the CCA is provided. Does the (alleged) debtor have a right to request the CCA in electronic format specifically, rather than a printed version sent through the post? Or does the law specifically state that it is the creditor that can decide which way the copy CCA is sent when a request is received. It is just that I live in accomodation where the post is kept in a common post hold area (including recorded delivery mail). As I understand EGG credit card accounts are internet based anyway and EGG do provide online access to the credit agreements on some accounts. Unfortunately, the site displays an error when I try to access the link, when I log on to my EGG account.

You can take action against the person (if re-instated) if that person harrassess you in the course of employment. The legislation Protection from Harrassment Act 1997 is relevent here. The employer also has an obligation to follow-up any complaint made by you with regards to harrassment. if the harrassment was to happen outside work then you can make a civil claim in the county court or high court. The court has the power to offer a restraining order or injunction (so the harrassment does not continue). However, there may be substantial costs involved due to the formal nature of this action.

Can anyone confirm if the creditor can refuse to accept postal orders and reuqest the payment by cheque only?. The reason I ask is that a particular creditor told me that it is their policy to only accept cheques. When I mentioned that I can only send a postal order they said they can accept a cheque which is from a friend or family member. However, I am not very keen on this method of payment for £1.00. Does the customer have the option of sending the payment by EITHER cheque OR postal order?

I see, this offers great flexibility. there could be a number of reasons why we would have to change the payment date. change in the date when you get paid is just one example. I am curious to know, if this is specific to the phone provider or if there is an Ofcom or EU law that allows the customer to change payment date or the billing date. Have read through my three mobile agreement and it says that the billing cycle starts from the date of connection to Three. But this becomes complex when you have changed price plans (when your agreement is due for renewal and you change the price plan and receive a new handset but keep the same phone number). I cannot recall if i activated the new phone or if it was activated "out-of-the-box". But this does not seem to matter as my billing date and payment date has remained the same, eventhough I received the new handset in the middle of the month my payment date and billing date has remained to be end of the month.

t-mobile offers the billing date to be changed. check Help - T-Mobile

this documentary pretty much sums (no pun intended) the industry. frontline: secret history of the credit card: watch online | PBS given the topic it bears a lot of relevance.

I too have been given a partial settlement option at 40% of the balance of £10,000. But I am adament there was no valid cca. I have not gone through requesting the CCA process as yet. yet to come across a post on how a patial settlement registered will affect any applications for credit at present and in the future. the indication I get is that a partial settlement is only offered when the creditor does not have a valid CCA.

any update on your dealings with mbna?, what was thr outcome?. did mbna provide you with legibe cca's?

how bad is a partial settlement registered on a persons credit file?. I will press for a f&f settlement in writing, but say they do not agree to this. would a partial settlement sit somewhere between a default and an account conducted satisfactorily when it comes to obtaining credit in the future?. what I mean is, then it becomes a trade-off whether to persist with the partial settlement route or persue the creditor for the reclaiming interest and charges.

well, it's three accounts, one being MBNA card, virgin, and VIP card. they are all MBNA. the mbna card I have had since 2003, virgin card about 2004, and I remeber filling the application form for the VIP card at a music festival in June 2007. I have not CCA's MBNA, manly due to hte concerns about the signature being copied. But I guess, I could follow the posts relating to crosing the signature so it cannot be copied. Just say that there is a valid credit agreement. My question then becomes, what effect would settling for a 15% partial settlement have on me obtaining credit in the future?. I was informed by a advisory centre that any settlement must be in writing, and after much discussion with MBNA, they agreed to send me a letter saying paying an amount with relation to the three accounts will satisy all the accounts and that they would then be closed. Nothing mentioned about MBNA not selling them to a DCA. Althout the letter does state that not paying the holding payments can mean the dept CAN be sold to a DCA, who wil persue reclaiming the Debt. SO it is implied (although not explcitly) that only if the holding payment and subsequent remainder partial payment is NOT paid that the debt will be sold on. Maybe MBNA will have to issue a letter saying paying X amount will satisfy hte account(s) in full and that there will be no accounts sold off to DCA's. But then may be this is obvious, when they say "accounts will be closed". i.e. if an account is closed, there is nothing left to be sold on!.

dx100uk. thnkx for creating a new thred and your reply. I did not take out PPI but they did charge me lete fees etc. pls can you explain an unenforceable agreement?. does this mean it cannot be enforced in a County court?. What about the credit file though?, dosent the file get damaged for six years from the last date the debt was acknowledged?. I have acknowledged the debt by paying a holding payment of £200. I got pestered by the collections dept so much that it seemed like the most appropraite thing to do to save any adverese credit rating. would paying 15% of a claimed debt be a win-win for both parties?. that is the Company gets some of their claimed debt, while the debtor keeps creditbitiy of the credit file and does not receive further demands.

have been offered a partial settlement by MBNA to write off 40% of the debt of a £11,000 debt. They have sent a letter saying paying the 40% will render the accounts as partially settled and that the accounts will be closed. But not sure if MBNA can still sell the accounts to a third party to claim the balance 60%. Also, how damaging is a partial settlement against your credit file?