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    • Thanks all for all your input. I have decided to follow this all the way. So far, I have not replied to Alliance Parking's original NTK letter. The time-period for the reduced amount has now finished, and the time to appeal (21 days from the date of letter) will finish on 25th Apr. No further comms received from Alliance Parking. Could you please guide me, for my readiness, on what happens next? Am I going to start receiving letters from Alliance Parking > Debt Collector letters > Letter of Claim? Who sends me the Letter of Claim - Alliance Parking / Debt Collectors / Solicitors / court? How many weeks / months from now is this likely to be? Once Alliance Parking passes the debt off to the Debt Collectors, is there a risk of anyone turning up at the door? Do I need to reply to any other letters from either the parking company, debt collectors, or solicitors? Many thanks in advance.
    • I've just noticed this so wanted to my apologies for my response to this yesterday I didn't realise his name was worry, I thought you meant worry as in be concerned not referring to his name.   My apologies.
    • We've already encouraged worry to use their own words... HB
    • Whoops 😅 Vanquis - September 2015 Jacamo - January 2016 Very - December 2013
    • Pretty good first draft   Only question I have is did you use a template from this forum to write it?   Parts of It just seems very familiar, and I'm concerned if TFL see people just copying and pasting stuff they've seen before it won't be as effective.   If not then I'd say its good but allow others to give their feedback.
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    • 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.

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racking up charges upon charges, HELP!!


kylecagedfox
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first off im sorry if this has been answered somewhere i did search thoroughly through the forum threads but i couldn't find this particular situation...

 

after being laid off in January i used most of my redundancy money to pay off existing bills and such and eventually left me with £0.02 in my account and thinking everything's sorted,

 

 

i didnt look at my account for a while and when i went back it was a whopping £-160 and what had started as a £15 charge for a returned direct debit has now just racked up charges for being overdrawn and i didnt think they were allowed to make money off their own charges?

 

 

i rang up nationwide and after some shpeel they said there was nothing they can do.

i managed to get a tax rebate which just managed to fix the problem and Lowe and behold the charges kept coming

 

 

now i'm back at square one and its only going to get worse,

this has been going on since march,

 

 

now ill admit im not the best with money but after starting a voluntary apprenticeship where i dont make much money if any im running out of ways to fix the problem, help!

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Hello and welcome to CAG.

 

First things first open a new bank account with a different banking group, secondly lodge a formal complaint with Nationwide, and exhaust their complaints procedure, OR until they have refunded you those charges.

 

Keep EVERYTHING in writing, you need a paper trail of evidence.

 

Do you have a complete history of your account with them?

 

Have you told them IN WRITING, that you're in financial difficulty?

 

Open a new account with a different banking group and get ALL of your money paid into that.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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