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    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
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      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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Vanquis; Any Claimants ?


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Appears that these (part of the Provident group) have been very evasive in requests for refunds/statement inaccuracies etc.

Have you sent a SAR to these ?

whats been their response ?

Did you get statements which you cannot reconcile charges with ? Post here if you are/want to claim against them

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have big BIG issues with Vanquis ! see my thread Vanquis Hell for details....:mad:

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/98286-vanquis-hell.html

Edited by citizenB
added link to posters, thread

Barclays - £276.60

6/11/06 prelim letter sent:eek:

22/11/06 LBA Sent:-)

N1 to be filed 30 Jan 2007 :cool:

 

Barclaycard - Awaiting response from prelim + complaint for blatant ignorance. Unsure of Charges. :mad:

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I have sent both SAR and CCA requests to this bunch for my card and my wifes they have sent a letter completely ignoring the requests and said they will refund me £8 and my wife £5 they sent a plain A4 sheet showing only 3 charges on mine and 4 on my wifes despite my warning them i have a lot of statements showing charges but want the complete set of statements for both cards also the ppi insurance they decided i needed without my concent, i have reported them to the IOC and they still sent me a letter to say they were passing the account onto a DCA for collection despite the account being in dispute, they are beyond belief. but not many threads relating to them to find more information, if i find anything i will post it here

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  • 5 weeks later...

I have all my statements which show charges of £120. I have got as far as prelim & LBA with just £16 GOGW as their final offer . LBA was done over 6 weeks ago but i do want to see it to the end. I want to file a.s.a.p so will start a thread soon and keep you posted

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  • 1 month later...

Sent SAR off today, will let you know how it goes.

 

I understand that their APR is mean't to be one of the highest of all Credit Cards. Anyway started my own thread earlier today :)

 

Op's

CASES:

 

HALIFAX

07/09/2007 - S.A.R SENT

18/09/2007 - statements received.

Waiting for money to do N1

CAPITAL ONE

WON - Fees, purchase interest, court costs and Stat.

VANQUIS BANK

07/09/2007 - S.A.R SENT

18/09/2007 - C.C.A SENT

I hate this company

LLOYDS TSB BANK (SISTER)

20/09/2007 - statements received

22/11/2007 - N1 filed

Lloyds TSB CREDITCARD (SISTER)

18/09/2007 - C.C.A SENT

20/09/2007 - statements received

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  • 2 weeks later...
  • 6 months later...

I've just recieved a letter replying to my request for statements. any apparently there doing a full investigation. Could it be like the one Littlewoods are doing that's taking over a MONTH compared to Kays that took less than a week and supposabley included all charges which they didn't :mad:

 

I wonder. just to get something back would be good as my account was settled over a year ago

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  • 1 month later...
Sent S.A.R - (Subject Access Request) off today, will let you know how it goes.

 

I understand that their APR is mean't to be one of the highest of all Credit Cards. Anyway started my own thread earlier today :)

 

Op's

 

Their APR is certainly at the extreme end of the scale, but as part of the "provy" are we suprised? All good though when it comes to claiming charges back then applying the interest! :)

 

I've just recieved a letter replying to my request for statements. any apparently there doing a full investigation.

 

I had a letter from them saying this.

Has been 41 days now since SAR sent.... time for a letter to tell them they have breached the timescale :-x

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  • 4 weeks later...

I've SAR'd Vanquis about 4 months ago, they replied stating to save time they would refund me around £150 and didn't enclose statements, then they set a debt collector on me. I've took a few months out due to having a baby and i have heard nothing off of them but i will be writing to them this week, i'll update this with more exact dates when i have the paperwork to hand.

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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  • 1 month later...
  • 1 month later...

Well you might have a strong case under the 2008 consumer credit ammendments.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hi my name is Andy, I have sent them the S.A.R. over 2 months ago, also telephone harrasment letter, reported them to OFCOM, all i have had is endless calls, every day, a letter saying they are investigating my complaint from them, a debt collection letter from Impact Collection Services now an email from them telling me to contact them.

 

My wife has a medical disability, scitzophrenia and she has been made ill by the phone harrasment.

 

From there Vanquis call centre i can recognise 2 voices, each in turn phoning our line, we now answer it silently and the harrasment means we cannot answer our phone normally to our family, i am so annoyed i would love to see them sued, up till about 2 weeks ago we were getting up to 10 silent calls a day, this freaked out my sick wife as she got very frightened as to what they would do next, so add me to any list to take action.

 

Thanks for reading...

 

Andy

 

PS No phone calls please :cool:

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Hi Andy and welcome to CAG.

 

If you don't mind your phone number being changed you can phone your telephone supplier and tell them you are being harassed and need your number changed. They will do this FOC straight away.

 

Hopefully OFCOM will also act on your complaint. They recently fined Barclaycard 50K for their silent calls.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Rory, thanks for the welcome, i have been a member for a while, just a silent one :) I could change my number but it would be a massive task as i run a help group of which 3500 members have my number, and on principal i do not see why i should, its been my number for 30 yrs, some low life lender is not forcing me to change it. Its also tied in to the medical health system for my wifes needs.

 

It seams Vanquis aka provident, have despite a letter informing me they are investigating my complaint have passed my details to Impact Collection Services of London, however thats also a trading name of provident finance, the number now annoying me is 08000191556, however its the same voices calling, how bizare....

 

They call every morning at 9am prompt, i silently answer it at the moment and record the details in my log book, and i will be passing on my reports to OFCOM on a weekly basis in writing.

 

Would other members maybe give me some backbone support to put to OFCOM, the more they get i sopose the sooner they will act.

 

Regards Andy

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 4 weeks later...

My wife has a Vanquis card and has asked for the CCA, we have today received a reply which states (following a copy of a blank application form);

 

"We regard this as meeting our obligation under section 78 of the Act 1974 to provide you with a true copy of the executed agreement. On their proper construction, that section and Regulation 3 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (1983 S.I. No. 1553) do not require us to provide you with a copy of the executed credit agreement between us in the form of a photocopy of that agreement."

 

Can the members with experience of Vanquis or claiming against unenforceable agreements give me some feedback on this please.

 

Thanks

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I would reply to them;

 

I requested a 'true copy of an executed agreement' and if you believe that an unsigned copy is 'executed' then we are in dispute, and whilst in dispute I need not make any further payments.

I suggest that you have not retained the original and therefore the debt would not be enforceable.

 

 

fiddled

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Hi, Vanquis just refunded all my credit card charges plus 8% interest that was the first letter and it was a doddle, they did not put up any kind of fight or offer a stupid 12 quid compromise........

I am going to buy me a nice bottle of wine and some tasty Indian cuisine this evening. Can't wait........

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Monty, well done.

 

Fiddled gave some good advise by advising to put the account in dispute. If I can be so bold, what was the letter you sent that provided you with the success??

 

So far all I have sent them is the CCA request and a bit of a loss what to do next?

 

As a complete aside I have other cards I am waiting on satisfactory responses to the CCA's (without any success).

 

Foxknowe

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Hi Foxknowe

 

First I sent an SAR + 10 quid. Then worked out all the charges + interest and sent them the first letter before action from the CAG letters section. I was getting ready for the fight and they caved in! Where is the sport in that?

 

Anyway I am now faced with the complex decision of going for the chicken madras or prawn bhuna tonight, I am okay on the wine choice though.

 

I just checked my Vanquis account and they have credited the amount so I am in positive balance - never had that before!

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Monty, think it should be the Madras!

 

What letter was it you sent from the letter suite? (is this the page with letters A, B, C, D etc...)

 

I am pleased for you, knowing how I feel just now, what a result.

 

Foxknowe

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