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    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
    • Peter McCormack says the huge investment by the twins will help Real Bedford build a new ground.View the full article
    • I emailed both. Tarry's came back "Please note that I have now left the business. Please contact Matthew Barnes ([email protected])  going forward" so will send to him.
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Tesco Clubcard Creditcard (RBS) Quick general advice please! :)


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Hey all, thanks for viewing,

 

Just a few quick simple initial questions that I'm hoping I can get the answers for if possible! I've successfully done a few (three ish) claims in the past, so I know roughly what Im doing, but:

 

How has the recent OFT trial fail affected claiming back credit card charges? I realise in theory it shouldn't do at all, but has it made it any harder/longer? Are more credit card companies dragging claims out because of this?

 

Has the process changed at all in the last three years? I'm sure I still have all my template letters somewhere... but if not, does somebody have a link I can grab em/read up on them all at?

 

How are Tesco Clubcard Creditcard (RBS) for claiming back charges? Are they a pain in the arse, or are they fairly easy?

 

Finally, is it still possible to have bad credit remarks removed in this process? My credit score is impeccable apart from the late payment marks (about 24 months ago) for my Tesco (RBS) Creditcard, and I'd like to see about getting them removed. Is it even worth worrying about getting them removed?

 

I have about £400 in charges/interest (not including 8%/contractual) that I'm hoping to claw back dating over the last 5 years! I've already got all my statements etc.

 

Thanks for your advice - as always, I'll be donating to the CAG coffers if/when successful!

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Oh, and finally, I've just moved the entire balance to a flexiloan (due to the APR recently going up to 23%!) so the card is now empty!

 

I realise I could have left it and gone the whole checking they have a proper credit agreement etc way, but I have no issues with paying what I owe, just with paying what I don't owe!

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Hey all, thanks for viewing,

 

Just a few quick simple initial questions that I'm hoping I can get the answers for if possible! I've successfully done a few (three ish) claims in the past, so I know roughly what Im doing, but:

 

How has the recent OFT trial fail affected claiming back credit card charges? I realise in theory it shouldn't do at all, but has it made it any harder/longer? Are more credit card companies dragging claims out because of this?

 

nothing to do with credit cards

 

Has the process changed at all in the last three years? I'm sure I still have all my template letters somewhere... but if not, does somebody have a link I can grab em/read up on them all at?

 

same & don't forget comp int at their rate from the date of the charge to the date of your claim inc a spreadsheet too.

How are Tesco Clubcard Creditcard (RBS) for claiming back charges? Are they a pain in the arse, or are they fairly easy?

 

they all cough in the end, have a look at a few threads for your bank in that forum.

 

Finally, is it still possible to have bad credit remarks removed in this process? My credit score is impeccable apart from the late payment marks (about 24 months ago) for my Tesco (RBS) Creditcard, and I'd like to see about getting them removed. Is it even worth worrying about getting them removed?

 

if you can PROVE that it was SOLELY the charges that put you over-limit then if they are refunded, then the assoc defaults etc MUStbe removed too.

 

 

I have about £400 in charges/interest (not including 8%/contractual) that I'm hoping to claw back dating over the last 5 years! I've already got all my statements etc.

 

Thanks for your advice - as always, I'll be donating to the CAG coffers if/when successful!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh, and finally, I've just moved the entire balance to a flexiloan (due to the APR recently going up to 23%!) so the card is now empty!

 

I realise I could have left it and gone the whole checking they have a proper credit agreement etc way, but I have no issues with paying what I owe, just with paying what I don't owe!

 

shsme cause that means yor paying int on int, too late now

you should of reclaimed first

 

what about PPI?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ahhh, rubbish, didn't think about the whole paying interest on interest thing :| Ah well, too late now! It's not a huge amount though (mostly offset by moving the entire balance to a cheaper rate) so I can live with it I guess

 

Thanks for the advice Dx, it's pretty much confirmed what I first thought and gave me a bit of peace of mind to get started on the claim.

 

I don't have any defaults on the account etc, just a few late payment comments, and they were my own fault (kind of, Tesco failed to set up a DD on the account three times when requested, which led to my manual payments being late due to poor admin/being busy!)

 

No PPI - I never bought into that type of thing

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