I will do

Hi rebel11, I have an address for them but I will have to phone them to ask for the name of the MD. My complaint will be that I feel the voucher should have been the standard 12 months and that not only have I lost out on an experience but I have also lost out on a gift from my father. Hopefully they MIGHT extend it but I have a funny feeling I will get a letter back saying it is written in their T's&C's that I have no comeback. Thank you both again, Sploits

Excellent. Thank you so much CitizenB Taken from experiencedays.co.uk website (FAO): My voucher has just expired, is it all possible to extend it now that it is not valid? No. Unfortunately, once your voucher has expired it cannot be redeemed or extended. and My EX Pass (Voucher) has expired. Can I still redeem it provided that I pay the difference in price? Unfortunately not. Once you voucher has expired it is deemed to be invalid. You must use your Ex Pass before the expiry date.

Morning all, For my birthday last year (May 2011) my father bought me a 60 minute flying lesson. I had planned to use it but I have either been busy or the weather has been awful and didnt fancy flying in strong winds and rain. I'm based in Cumbria and the nearest 2 places to fly are Newcastle or Blackpool so it would be a day trip out (or possible stop over but I work Saturday nights so this makes it awkward). Today I realised I had a free weekend for once so I would book the flying experience. I tried to redeem the voucher online and it told me the voucher had expired. I then looked at my ticket and it had an expiry date of 11th February 2012 (10 months after purchase) so I had missed out (purely because I thought the voucher lasted 12 months which I believe to be most cases). I have checked all the T's&C's on the website and they tell me I have no comeback and the only way I can do the flight experience is to purchase it again at full value. I am not entitled to any kind of refund. Does anybody know of anything I can do? I'm clutching at straws I know but I'm hoping there might be 1 little thing I can use as a comeback. The voucher has cost £200 and as it hadn't been activated or booked then the company have basically made £200 for nothing (well they have made £200 for me not reading the expiry date properly). Do I have a comeback or do I take a deep breath and tell my father that I have messed up and cost him £200 for nothing? Or do I rebook the experience at £200 (or maybe a cheaper one and hope he doesnt notice the difference) and then do it and have him thing its the one he got me for my birthday? Thanks for reading this

Hmmm the links were working but not sure whats happened to them Try these ones: http://www.dj-sploits.co.uk/random/lisa/charges_Page_1.jpg http://www.dj-sploits.co.uk/random/lisa/charges_Page_2.jpg http://www.dj-sploits.co.uk/random/lisa/letter2bh.jpg http://www.dj-sploits.co.uk/random/lisa/noaccept.jpg Hopefully they will work. If not you can copy and paste the text and they shoudl then take you to the pages

Hi shelley, We have fired off a complaint to the FOS so we are going to see what we get back from them. If they can't help then we will send Black Horse the LBA and go down the court route. Do you know if there is anything we need to send to Black Horse in the meantime? They have sent a letter to demanding money within 7 days but obviously this isnt going to happen. No PPI unfortunately Cheers

Hi, I am currently helping out a friend who has an on going feud with Black Horse. Basically she bought a car and got the finance with Black Horse. Over the course of the finance she missed a few payments but always continued paying and eventually paid off the full value of what was originally owed. Black Horse had put charges on the account for missed payments and missed payment interest and the account is still not clear as the charges have added to the amount owed. I told her to get a copy of the CCA (which can't be supplied today but I can get it posted up tomorrow if need be) and a statement of account (so we knew what charges where on there). The CCA is just and so readable but I will fall back on that if I have to. I basically knocked up a claim back spreadsheet for all the charges they had added to the account (with the 8% compounded interest). Black Horse were asking for £450 and when I done the spreadsheet I got it to £626. With that we sent the letter asking for the difference to be paid back. Over the weekend my friend has got a letter back from Black Horse basically saying that as she signed the agreement she was bound by the terms and conditions and the charges were still valid. So basically we are just asking for some advice as what to do next? do we give up trying to claim the charges back and hope there is a flaw in the CCA? Do we have a response back to Black Horse telling them that they are wrong? Do we accept it and sort out a payment plan to pay back the £450? Any help would be greatly appreciated. Sploits These are the links to what we have sent (the first 2 are the breakdown of charges and the 3rd one is the letter we sent). The last one is Black horses response www.dj-sploits.co.uk/random/lisa/charges_Page_1.jpg www.dj-sploits.co.uk/random/lisa/charges_Page_2.jpg www.dj-sploits.co.uk/random/lisa/letter2bh.jpg www.dj-sploits.co.uk/random/lisa/noaccept.jpg

Excellent Slick132, i will pass that onto her and hopefully she will get the answer she wants from BC. If not then nothing lost Thanks again

TerNullyNew thank you for your input on this matter. I will take your advice and let you know how I get on. Oh no wait I have no idea what your post is on about so I can't!! Please stop spamming my thread and go away. Thanks

Hi silverfox & slick132. We have got a copy of her credit file and she has 2 late payment markers against the barclaycard account. She has a perfect payment record on her other accounts but Equifax are showing that this is knocking her rating down. The late payments are in a way correct but as she paid the outstanding balance and then asked them to close the account (in which they agreed to do) then she feels they shouldn't really be there. She has spoken to BC and they say that they have to stop there and there is nothing they can do but from the posts you have made a simple notice of correction would hopefully rectify this. There is no outstanding balance on the account. Thank you for your advice so far Sploits

Hi, This is a question for a friend. She had a barclaycard and moved the full balance to another card (0%). She then phoned Barclaycard and closed the account. A month later she recieved a £7 interest charge but she ignored this as you thought it was included within the full balance previously cleared and the account closed. The following month she recieved a letter with a £12.95 charge from which she rang up and they let her off with the charge (so nice of them) but she had to pay trhe £7 outstanding interest charge. She payed this and again the account was closed. She is now looking into getting a mortgage and when checking her credit file this Barclaycard account is causing a problem with the score. She phoned Barclaycard to see if this could be sorted but they have told her there is nothing they can do and it will remain like this. My question is: Are Barclaycard telling the truth (I very much doubt they are)? What steps can she go down to get this 'blemish' sorted on her credit report? Any help would greatly be appreciated. Cheers, Sploits

Morning all, So far only the letters on the front page of this thread have been received by everyone I have helped. Just sit tight and "don't worry about a thing. Cause every little thing is gonna be alright"

Hi, I currently have a mortgage with Cheltenham and Gloucester. It is a joint mortgage with my now ex partner. I was planning on getting her name removed and solely taking on the mortgage on my own and C&G rang me about it to see what they could sort. They started running through some things and asked the value of the house. I told them a round about figure based on the price Zoopla advised. C&G then told me that the house was in negative equity so they wouldnt remove my ex partner from the mortgage and there was nothing else they could do. I was mortified We have had the mortgage just over 3 years with C&G and we are out of the fixed term with them so not sure if that has any advantage. My ex is also being hard work on it as she doesn't want the break up but i do (I wont bore you with the details). She tells me IF I sorted the mortgage on my own then she would refuse to sign anything and then when I say we are over for good she says she will sign it and I need to sort it within a week (I know that is impossible). So what are my options. I heard C&G offer negative equity mortgages but why didnt they mention that on the phone? My dad has said he will be a garantour to the mortgage but as I'm not fully clued up with mortgages will this actually help? If I can't sort anything then is it a case of having to sell the house (which i really don't want to do) and then having debt with C&G to clear the negative equity (split between me and my ex). Sorry if it is a lot of questions. Its my first mortgage and my head is in the shed with it all Thanks

John Mitchell isn't real???? how could a well respected company like Parking Eye lie to us?? I am in total shock Regards, Sploits, Head of the legal department in my shed

Thanks Honeybee. I hate to see people being sent 'speculative invoices' by these cowboys (or anyone else from the private parking world). If I can help I will. Thanks again for your support

Hi, I am currently helping the locals of Whitehaven, Cumbria fight the nice people at Parking Eye due to them coming into the town and taking over one of the well used carparks. The carpark consists of a Mcdonalds, a Lidl, a Carpetright and a Brantanos. They had applied a 1 hour waiting time (recently went up to 2 hours but their signs are yet to state this). Many parents came to me for help as they had recieved the usual rubbish from Parking Eye as they had overstayed their 1 hour welcome. For a parent who takes their children to McDonalds for lunch, goes to and does the weekly shop and then maybe wants to look in another shop then it just isnt possible in the 1 hour stated by Parking Eye. Well thats a little into the background of why I'm helping the locals and as to why I'm going to make this post and show you the letters you can expect to get from Parking Eye before they disappear back under their rock as to which they came. Letter one: This is the standard one we have been recieving from Parking Eye. Standard rubbish Advice = IGNORE Letter two: This is the second letter you will recieve but this time it has 2 lovely pictures of your car. Please free to frame it or IGNORE Letter three: The third letter and so far the final letter we have recieved. Scary begging letter telling you its the final demand and they want even more money. Again please IGNORE and spend YOUR money on something useful. Hopefully this post will help anybody going through the stress of Parking Eye and help put their mind at rest. Also please feel free to add any further letters you have recieved from Parking Eye or their Debt Collectors after the third letter above (so far we haven't had anything after the third letter but if we do it will be posted on here). Thanks, Sploits

No it shouldn't as you have already sent the CCA request to them and the account is dispute letter. If you get a letter from another company saying they are now chasing the debt then send this http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency That should sort out the new DCA (it has for me in the past). Hopefully more people will be here soon to give more advice

Sorry double post

So you haven't actually been served court papers yet (just a letter from the DCA saying they are taking you to court)? There is a possibility that this wont go to court. A DCA threatening court action doesn't always mean court action will happen. Its usually just the DCa trying to scare you into parting with your cash. Firstly stop speaking to them on the phone. They will lie to you just to get your money. Secondly as BankFodder mentioned have a look at your charges. there is always a chance your charges outweigh what you actually owe. you can also add a compounded interest rate onto your charges so this will help. If the agreement is unenforcable then that would also help you. well thats everything from the top of my head hopefully more help will be on soon to help. Lastly, try not to worry too much. It may be easier to say than do but rest assured you're in the right place

I agree with DX. Lowell seem to be hitting a lot of people with made up 3 debts. As advised IGNORE

Hi spanky, I'm sure they have 12 days +2 (for posting) to get back to you on this. As this has now passed they are in default. I would send off the dispute letter (Recorded) http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale. I would also stop all payments you are making. If they can't keep their end of the bargain then why should you IF they DO manage to provide you with an agreement (which is highly unlikely) then post it up (minus your personal details) and somebody will check it to find out if it is enforcable.

Thanks Jamberson and tomtubby. I will send him over your replies and tell him to do everything that you have instructed (tomtubby). Yet again your advice on these kind of matters is second to know. Thank you I will let you all know how he gets on

Thank you crem, I will PM her straight away. Thank you again

Good afternoon, I am posting this on behalf of a friend of mine. Where else to get the best help in the world than the CAG "We recieved a parking ticket on Devonshire street in Workington where we were residents. At the time we did not have a full permit but were supplied with a visitors pass to park on the street. This was clearly on display and we still recieved a parking ticket. I took it upon myself to go to Allerdale Council and ask them to remove the fine as we had the permit plus proof of address and they said it would be sorted. A few weeks later i got a letter saying we owed double the ticket as it hadnt been paid. Again i went down to the office and they said it was all sorted now. 3-4 weeks later i recieved a letter off the Bailiffs stating on the letter i owed £395. I phoned the baliffs which wernt interested that i had all the proof and stuff i needed and that the council had said it was sorted he just wanted the money with their charges! I phoned the council they said they could not do anything further as it had been to Northampton court which we did not know about and it was out of there hands and with the baliffs now. They also said they had no recollection of me being down to the office to complain about this matter!. The bailiffs stated i need to pay this money to them then i can try and claim it back 10 days after the payment has been made and claim it back off the council which i find far fetched as i wouldnt get there charges back. I rang Carlisle law office up and they stated i should pay the fine as its been to court now and in the hands of the baliffs and i dont really have a leg to stand on. They sent a letter to say that they would take the car but the car is on finance so i know they cant take that. But i shouldnt have to pay it in the first place when i have proof of living at this address and permit to park there !. Any help would be appreciated." Thanks for taking the time to read throught this

Hi arclight, Just out if curiosity (and with the dca saying about the age of the debt) how old is the debt and when did you last make a payment towards it? If it's over 6 years since a payment or acknowledgement was made then the debt is statute barred