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colin1096

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  1. Name of the Claimant ? HORIZON PARKING claimants Solicitors: GLADSTONES SOLICITORS Date of issue – 10TH JUNE 2019 What is the claim for – 1.THE DRIVER OF THE VEHICLE OF REGISTRATION XXXX XXX PARKED IN BREACH OF THE TERMS OF PARKING STIPULATED ON THE SIGNAGE ( THE CONTRACT ) AT THE CROFT RETAIL AND LEISURE PARK ON THE 13TH JAN 2018 THUS INCURRING THE PARKING CHARGE ( THE PCN ) 2.THE DRIVER OF THE VEHICLE AGREED TO PAY THE PCN ( which i never did ) WITHIN 28 DAYS OF ISSUE YET FAILED TO DO SO . 3.THE CLAIMANT CLAIMS THE UNPAID PCN FROM THE DEFENDANT AS THE KEEPER OF THE VEHICLE. DESPITE DEMANDS BEING MADE THE DEFENDANT HAS FAILED TO SETTLE THEIR OUTSTANDING LIABILITY. 4.THE CLAIMANT CLAIMS £95 FOR THE PCN £60 CONTRACTUAL COSTS PURSUANT TO THE CONTRACT AND PCN TERMS AND CONDITIONS, TOGETHER WITH STATUARY INTREST OF £16.39 PURSANT TO S69 OF THE COUNTY COURT ACT 1984 AT 8% PER ANNUM CONTINUING AT .£0.03 PER DAY What is the value of the claim?£ 246.39 Has the claim been issued by the Private parking Company or was the PCN assigned and it is the Debt purchaser who has issued the claim ? HORIZON PARKING
  2. they said its all to do with the 7 year law if she gets ill in that period and has to go into care then i could lose the house
  3. Sorry if i have posted this in the wrong section but here goes . Me and my partner currently live with my mum in her house . The house is paid in full and my father has passed away . My mum wants me to buy the house for £160,000 so she can give my 2 brothers and other sister £40k which is their inheritance and £40k back to me. I have about 50k in the bank so we said we would buy the house for £120k thats with my inheritance off and i would get a mortgage for 70k which me and my partner could afford easily with my 50k deposit against the mortgage . I rang halifax and they agreed and everything was fine with the mortgage . I went in to see them today and when they heard i was buying my mums house they said that i wouldnt be able too . My mother is 77 and when i buy the house will continue living with me untill she passes away . Me and my partner are happy for this to happen plus we get on the property ladder . The bank said that with my mothers age that this was not possible . We are totally gobsmacked and wondered if any one knew another way around this . Thanks in advance
  4. I was purchasing a large product from currys in Bromborough croft retail park . I was driving a large van and the was nowhere to park . i suffer from back pain so tried to park closer to the store . After leaving the store realized i had parked in a disabled bay and had received a pcn from horizon parking . I have spoke to the store to see if there was anything they could do as i had just spent £ 1600 in there . they said no i spoke to currys head office and they said it was not their problem . I just wonder if there is any advice available . thank you for your help in advance .
  5. Never heard a thing since August so they can sing for there money but they won't get it
  6. received this today from these cowboys Dear xxxxxxxxxx As no payment was received from yourself, we have begun the process to seek recovery of costs In line with procedure; I must now also inform you that we have also updated the Motor Insurance Bureau database to inform them that you have had a motor related insurance policy cancelled by the insurer for failure to pay an excess. As a result; you must declare to any insurer (Car, Home, Etc) if asked; that you have had an insurance policy cancelled by an insurer. Although this may increase your renewal prices, failure to disclose this fact could invalidate any future claim made. If you have any questions or queries, don’t hesitate to contact me on
  7. the screenshots they have sent me it is clear now to me that it says there is an excess . But if i had known would of never taken this out. this is what i sent them .. . I manually entered my details on https://recovercover.com/breakdown/ and at no point does it say a £30 excess charge . The lady i spoke too to arrange for the breakdown to comeout, not once did she say there would be a £30 excess charge . The quote 2 below you on the go compare website was 5 pound dearer no excess and 6 callouts i would of had that but yours to me was 26 pound. There is no way i will paying an excess charge when on your website it does not state that otherwise i wouldnt of taken out the policy . I still should have left 3 call outs which i have paid for but you have now revoked the policy . I think this is absoultely disgusting and your website needs to be alot clearer . If the lady on the phone said there would of been a £30 charge i would of sorted the problem myself if i could of done , and it only did actually boil down to a jump start so i could get a new battery. and Also in your documents you sent it says .... Excess If you have selected a policy where an excess is payable, you will be required to pay this amount before you will receive our breakdown service. Should we fail to collect this amount prior to your breakdown service, then we will aim to collect the outstanding amount within the following 48 hours – Should we fail to collect this, then we reserve the right to cancel your policy. Not once like i said was i asked for this amount as i would of refused because i did not know of it . You are trying to [problem] me and i think this is wrong . I will be forwarding all this information to the FOS and Trading Standards
  8. the cover was with recovercover.co.uk and on the go compare website it is on there on the left which i didnt see . if i would of done i would of never taken the cover . The same company were also listed about 4 down with no excess and priced £44 . i did notice on the key facts . below Excess If you have selected a policy where an excess is payable, you will be required to pay this amount before you will receive our breakdown service. Should we fail to collect this amount prior to your breakdown service, then we will aim to collect the outstanding amount within the following 48 hours – Should we fail to collect this, then we reserve the right to cancel your policy. https://recovercover.com/breakdown/ is the website , just done it again and there still does not say any excess ????
  9. Just needed some advice please . I took out breakdown cover in july on the go compare website . It was £27 with max 4 call outs. In august i had a flat battery at my home called them they came out and jump started me everything sorted drove and got a new battery , no problem . Today i get an invoice for £ 30 saying that there is an excess on every call out and i should of seen it on the go compare website . I read all documents sent to me , and it does not mention £30 excess on them , also the lady i spoke to when i needed them never once mentioned there would be an excess cgarge . I rung them today furious and this was there reply below . Dear XXXXXX Thank your call please see attached documention and screenshots of the go compare site were you puchased the policy. I must make you aware unless you pay the excess on the policy you will invalidate the insurance and as a result will be liable for the full cost of the recovery ( cira £204 + VAT ) if you fail to pay the outstanding in 5 working days we will be instrycting our debt collection team to procede to follow official avenues to collect the amount of recovery and you may also be liable for our costs in collection aswell. signed XXXXXX Just wondered if anyone has any advice . The guy has cancelled the policy and was very threating on the phone .
  10. i had numerous loans with wonga over a period of 3-4 years and other companys and was just borrowing to pay them off . below is my email to them and there correspondence . I have had numerous loans from you between 2011 and 2014. I have been borrowing more often and the amounts tended to go up. Your payday loans trapped me into a debt spiral, with the loan repayment taking so much of my wages that I had to borrow again from you to cover my next month’s living costs. For this period my income averaged about £1000 a month. My living expenses varied but were roughly: rent/mortgage £400. Council tax £130. Utilities and bills £200. Transport costs £200. Clothes £50. Food £100, toiletries £20 . Other debt repayments £130. Total £1230 per month. This shows that there was no way I could afford these loans. When I repaid them, I had to borrow more to survive the next month. You should have realised from my loans that my debt problems were getting worse and it was not responsible to continue to lend to me. My credit reports would have showed my other debts and problems including late payments / defaults / CCJs / debt management. You should never have given me these unaffordable loans. I would like to ask you to refund the interest and extra charges I paid. The Financial Ombudsman suggests that statutory interest is added to this sort of refund. I only became aware I could make this sort of responsible lending / affordablity complaint in this year So I understand the financial Ombudsman will consider all my loans, including those that are more than 6 years old.] I do not want you to pass my email or other contact details to any third parties. If I have ever given you authority to do this in the past, I withdrawing this authority. The amount of loans i had total £ 5432.00 and my repayments were £ 7031.81 I look forward to hearing from you Their reply was they would get back to me in 8 weeks. Then received this.. We apologise for the delay in responding to your complaint. We are currently experiencing a high volume of complaints so our normal timely response has been delayed. We thank you for your patience and aim to respond within the next 6 weeks. The attached letter confirms the status of your complaint as well as providing you with important information regarding your rights. We would like to reassure you we take your complaint very seriously. If you have any questions please call us on 0800 316 6745. Kind regards, Complaints Team 0800 316 6745 Wonga.com Then this 15 weeks after emailing them numerous times Thank you for your email dated x December 2016. Please accept our apologies for the delay in responding to your complaint. We appreciate this delay will have been frustrating to you. As such, we are offering £50 as compensation for the delay and inconvenience. We have investigated your concerns and our findings are set out in more detail below. Our Understanding of Your Complaint: You state that you had numerous loans between 2011 and 2014, with borrowing becoming more frequent and the amounts generally increasing. You feel payday loans trapped you into a debt spiral, with the loan repayment taking so much of your wages that you had to borrow again to cover the next month's living costs. You have questioned the affordability of these loans and feel that we should have realised, from the pattern of borrowing, that your financial difficulties were getting worse and it was not responsible to continue to lend to you. Our Response to your complaint: Our approach to assessing affordability Having reviewed your complaint we can see that you had 25 loans with Wonga from August 2012 to September 2014. Before approving a loan, we carry out a credit reference agency check. This information is accessed instantly by us when we receive a loan application. When you applied, we combined that data with the personal data you provided to us including salary, employment, marital status, dependents, home ownership status, motor owner status amongst other information, and we also considered your repayment history. All of this information was entered into our underwriting system so we could carry out an assessment of affordability. You achieved an acceptable underwriting score and the loans were approved on that basis. Financial difficulty and pattern of borrowing indicating unaffordability In investigating this complaint, we have considered the question of affordability of the loans based on information available to us at the time of application, including: Frequency of borrowing; Personal circumstances; Amount initially borrowed and any additional borrowing against stated income; and Any other factors which indicated financial difficulties, such as arrears and repayment arrangements You have indicated in your complaint that you experienced difficulty repaying one or more of your loans. You did not, however, contact us at the time to let us know that you were in financial difficulty. Had you done so, we would have been aware of your circumstances and could have put in place a suitable repayment plan or other arrangement. We should mention that if you are experiencing any financial difficulties, we would encourage you to get in contact with your lender to discuss your circumstances with them. They will be able to put in place a suitable repayment plan in order to help you to repay in a sustainable way. You can also get free debt advice from a number of organisations including: Step Change Debt Charity - 0800 138 1111 National Debt Line - 0808 808 4000 Citizens Advice - 03444 111 444 Please note that your loan dated 19 September 2014 has already been assessed under our affordability forbearance programme. As a result the interest and fees were written off and all records of the loan were removed from your credit file. However, having reviewed your case, we accept that the loans in the table below may not have been affordable in their specific circumstances. Outcome Based on the above, there may have been more that we could have done to assist you in relation to the loan in the table below. Additionally, we will also request for the redressed loans to be removed from your credit record. It may take up to 30 working days to be updated fully on the credit file. We would like to offer you £175.31 by way of compensation which is an amount equal to the interest and fees on the following loans: Loan reference Date Interest and fees xxxxxxx xx/xx/2013 £175.31 Interest of 8% simple per year has been added to the total redress for each loan from the date the loan was taken out until the date of calculation. Please see the outline below. Interest and fees £175.31 8% Interest net £46.80 Compensation £50.00 Total settlement £272.11 Tax 8% Interest gross £58.50 Basic rate tax deduction £11.70 Compensatory interest is subject to income tax at the basic rate under UK tax legislation and, therefore, tax will be deducted at the basic rate of 20% from any payments made to the customer. If the customer does not pay tax, they may be able to reclaim some or all of this tax reduction from HM Revenue and Customs. If the customer is a higher rate tax payer, they may have to pay additional tax on the compensatory interest via their tax return. Please see HMRC.gov.uk for more details. Please note the offer outlined in this letter is made in full and final settlement of all aspects relating to this complaint. If customer wishes to accept this offer, please reply to this email typing their details in to the relevant boxes of the acceptance form below. Alternatively, you can also print, fill and sign the below form and send it back by post or as an attachment in a reply to this email. Upon receipt of the completed form we will arrange payment to your account number ending 2654. If your account details have changed, you will need to provide us with proof of the new banking details. This can include a screenshot of an account statement, but will need to show their name, the sort code and account number. This is our final response; however, if you are not satisfied with it, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter. If you do not refer their complaint in time, the Ombudsman will not have our permission to consider the complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. For more information on the Financial Ombudsman Service, please see the consumer information leaflet found at: http://financial-ombudsman.org.uk/publications/consumer-leaflet.htm. If you want a hard copy of the consumer information leaflet, please call us on 0207 138 8330. The address of the Financial Ombudsman Service is: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: 0800 023 4567 or 0300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Website: http://financial-ombudsman.org.uk Your Sincerely Ross Cussens Complaints Handler Wonga.com 0800 316 6745 Wonga Settlement Form If you wish to accept our offer, please reply to this email typing your details in to the relevant boxes of the acceptance form below. Alternatively, you can print, fill and sign this form and send it back by post or as an attachment in your email reply. To: Wonga Complaints Team Wonga.com Sheffield S95 1AR Email: customercomplaints@wonga.com Ref: Complaint regarding Loan affordability I confirm my acceptance of the Wonga’s offer (as outlined in the attached letter) in full and final settlement of all aspects/loans relating to my complaint. Customer Name : Date: Customer Signature (please type your name again if replying to email): To enable us to process your payment as quickly as possible, please also provide details of your bank account. If this bank account is different to the bank details we referred to in our final response letter above, you will need to provide us with proof of your new banking details. This can include a screenshot of your account statement, but will need to show your name, the sort code and account number: I have emailed all this to the FOS but just wondered should i accept this as part payment or just wait for the FOS to decide. Also complained to sunny and they refunded all loan fees 8% interest and wrote off nearly £500 aswell Any help would be appreciated thanks in advance
  11. Didnt hear off mr lender for 3 months then got an email from motormile .. see below Original Creditor: Mr Lender - Debt Assigned to Motormile Finance Uk Ltd Balance: £xxxx.xx ( btw this amount was a few hundred pounds lower than mr lender were asking for ) Dear xxxx xxxxxxxxx Following our recent communication with regard to your balance, we are delighted to inform you that your account(s) has been selected Not only is your account eligible for the discount, we can even spread the reduced balance into affordable repayment amounts for you based on your financial circumstances. The offer is as follows: Repayment time Amount to deduct from the balance Immediate repayment 35% discount Spread the instalments over 3 months 25% discount Spread the instalments 4-12 months 20% discount Spread the instalments over 12 months + 10% discount Please contact us on 0113 887 6876 and our friendly customer service agents will be more than happy to talk you through the options and assist you reach the right solution to repay the remaining balance. Alternatively, you can arrange a call back or discuss the matter generally by emailing us on customerservice@mmile.com. This offer is valid until xxxxxxxxxxxx 2015 so we look forward to hearing from you soon. not heard nothing since . As for Sunny no communication at all or calls but an email saying your new statement is ready to view online.
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