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solent68

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About solent68

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  1. I asked them for a copy of their complaints procedure as it clearly states in their response that "a response will be received within 10 working days" (I got absolutely nothing at all for nearly 2 months) whether this is an 'internal standard' or not is irrelevant, if you can't meet it don't publish it! I never gave them an address other than my email. They refuse to communicate by email even though they accept appeals against tickets by email. The fact was I was loading a vehicle with heavy goods and there are no bays for loading in the road or surrounding area even though I was told I c
  2. Hi, In August I managed to obtain a parking ticket whilst loading/unloading my car with my student son's goods in his student house in Hove Brighton. You cannot stop at the front of his house and you have to stop in the road at the back of his house. The house has double gates you have to lock from the inside. Directly outside the property at the rear there is a dropped curb with double yellows, a disabled bay next to it belonging to the neighbour who never parks in it but always takes up space in the pay and display bays - Grrrr!!! The rest of the spaces are permit holder only with no t
  3. Hi there pivn Have you exhausted the university's complaints procedure? Working in a uni and dealing with student complaints I would advise you to follow the university complaints procedure to the letter. http://www.wmin.ac.uk/pdf/complaints%20procedure.pdf This is the link to their online complaints procedure - not much detail there I'm afraid. When you complained to the course leader what action was taken? Did you and your fellow students put the complaint in writing? Did you follow up with the course leader what action was being taken to resolve the problem before you dec
  4. Thanks for the replies, All I can think of is that the issue here may be something to do with the new laws on credit card borrowing and responsible lending etc. Companies seem to be doing "checks" on people. A friend of mine had her card limit "reviewed" by her lender and decreased - although they didn't say why - from what we could gather, it was because she had been made redundant and had been out of work for 6 months and had gone into arrears on her mortgage and a couple of other small bills, she got a CCJ for something really stupid, I think it was water rates or something. She h
  5. Hi everyone I'm posting this because my partner and I moved in together in September last year. He is currently going through a divorce and his soon to be ex-wife is still living in the marital home. As the place we are in is currently rented for a year, he was hoping the divorce would be well under process by the time our tenancy is up and we would be looking to buy somewhere together, he has therefore not bothered changed any of his bank details etc. over to this address, all his credit cards and bank accounts are still being sent to his "home" address. Anyway he received a le
  6. Thanks for your response to that 42man..... apologies for not updating on this post for a while my mother has been in hospital having a serious operation and other things have been put on the back burner! I haven't sent the letter off yet, although I had gone to the post office and got the postal order etc..... It has only just come back in my mind again as I have had another letter from Legal & Receivables, here is the basics of the letter: "our records show that, despite the service of a SD (never received it went to old address!) you have failed to settle this account.
  7. They are a debt collection agency. Whatever you do DO NOT PHONE THEM! Never deal with these people by telephone they will try to get you to admit/agree to all sorts of things. I have been contacted by them before. They are probably fishing to see if you still live at the address you are currently at. Do you have any old outstanding debts? If they have not stated in the letter why they are contacting you then beware, they are probably pursuing an old debt and fishing around to see where you are.
  8. Thanks for your help on this.... I am just using the template for the CCA letter on the site and hopefully will get it in the post today or tomorrow - need to go buy a postal order! I really think they are just trying to put the frighteners on to get me to pay a huge chunk of money (which I don't have!) without realising they are chasing a debt I may not have to repay and that is in fact incorrect due to the charges added by the bank before they defaulted the account.
  9. Hi, I would like some advice re an old debt that is being chased by Allied International Credit which is now being pursued by Largo Legal and Receiveables. Once upon a time I had a credit card with NatWest, I then had an accident at work and subsequently went behind on my payments and my account was closed with Natwest - I can't be sure but I think this was in 2001? In 2002 Allied International started chasing me for the debt and I wrote to them twice in early 2003 asking them to send me their details to set up a standing order to make monthly payments. They never sent me any information
  10. Right, I have just received another letter, forwarded from my previous address, regarding this debt. It is from Largo Legal & Receivables - anyone out there had any dealing with this organisation?? Apparently a statutory demand was served at my old address - I have not received this as it was served at an address I no longer live at! I presume the new residents have not contacted these people to tell them that I no longer live there? May well have shoved the stautory demand in the bin for all I know! Anyway the letter says that I owe this debt to Allied International Credit
  11. Thanks for the info! My worry is that I did acknowledge the debt to Allied International in early 2003 when they contacted me. I asked them for a standing order form to make repayments - I have the old letter saved on my computer so I know the exact date etc. that I wrote to them! - stupid me, if only I knew then what I know now!!! But I know I haven't made any actual payments since 2002 as they never sent me the form to make any payments - how efficient of them!!!! This is exactly the sort of thing that the Observer article is talking about - and it sounds like loads of people are
  12. Thanks rory32! Once I have SAR'ed them and have all the information, I expect the charges on each account to add up to not far off the outstanding balances minus the charges. I was defaulted for not making payment due to the account being in dispute because of the excessive charges added and I really need to sort out my credit rating as my new partner and I need to apply for a mortgage in the near future. Has anyone any experience in dealing with Capital One over negotiating final settlement on this sort of issue? Many thanks
  13. Hi I am going to SAR Capital One over two credit cards (one visa and one mastercard) that I had with them which they added ridiculous charges on that I refused to pay (long story - they didn't set up my direct debit from my new bank account after being informed twice!) Becuase of this I defaulted on the payments but was also charged excessive overlimit fees (because of all the charges for missed payments!) Anyway do I need to SAR for each account or does a SAR cover all information held on me by that particular company? Many thanks
  14. I'm really not sure about checking my credit file. I have just moved house, all correspondence regarding this has been forwarded by the post office redirection service. If I check my credit file surely this will update my address details? I have seen all sorts of stories on here about DCA's coming out of the woodwork when people check their files and update their details..... I also have a not-so-old debt with Captial One that I want to sort out, they doubled my debt with them with charges so I am definitely going to SAR them and claim back the money!
  15. Hi B3rty The actual bank account number I have on the paperwork is the correct one, although there is absolutely no mention of the credit card account number. I know the credit card debt was larger than the overdraft debt. As the was account closed so long ago (around 2000) I haven't got any of the paperwork and can't remember what they actually closed! I have no recollection of receiving a default notice, but as I say it was so long ago that I really can't remember. If I SAR someone who should it be? HSBC or Marlin? Thanks
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