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Emma Royd

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Posts posted by Emma Royd

  1. thanks for the replies.

     

    I get the message :D , trouble is, it's convincing my sister. In the last year her 2 lads have picked up 7 parking 'fines' between them :eek: while at uni. One was for parking slightly over the white line. Up till now she's just paid them but I think she's had enough now. Hopefully she'll listen now. I may even get her to become a member of CAG :).

     

    thanks again

    Mandi

  2. Hi looking for some advice on behalf of my sister and nephew please.

     

    Last week my nephew was staying down at High Wycombe whilst doing a short course at the uni. Last Saturday he went to Morrisons there. Now today my sister, being the registered keeper of my nephews car has received a letter from Europark saying she has to pay a £70 fine as he was 33 mins over the allotted 2 hours and they have 2 photos of his registration.

     

    Is it best to ignore Europarks demand or write back to them? I'm more used to fending off DCAs :D

     

    thanks in advance

     

    Mandi

  3. As much as i'm curous to find out what they are chasing, i've not yet got to the stage where I dare talk to them on the phone. When I got made redundant in 2008 and tried explaining my situation to the OCs they had me in bits so now I just ignore all the calls. Mr Green sounds quite intimidating in his tone :eek:

  4. Thanks for the quick reply. It's not LTSB i've never had any accounts with them. I've been asked to call Miss Black, Mr Green and the last one a Mr Davidson. Beginning to sound a bit like a Cluedo game lol .

     

    Mandi x

  5. I've had half a dozen messages left on my answerphone over the last few weeks to ring AIC. I'm just wondering do they ever make contact by mail? Obviously i'm not going to answer the phone to them or ring them back :D but i'm curious to know which debt they are chasing me for. Any ideas please guys

     

    Mandi x

  6. Hi Welshmam and thanks for the quick reply. Think i'll do what you suggest and ignore them at first.

     

    I cant quite understand why the letters are in the same envelope? And I can't stop laughing at this bit 'it is our aim to help you clear the indebtedness you currently have with ourselves'. Is indebtedness actually a real word? lol x

  7. UPDATE

     

    it's been almost a year since I heard anything from Cap One or any of their cronies. I wrote and told them to bog off when they couldn't come up with a proper CCA. Today (28/08/09) I received these letters in the same envelope.

     

    What next? Do I CCA Lowells or just ignore them?. Can I SAR Cap One and claim charges and mis sold PPI? Any advice as what to do next gratefully received. Thanks in advance x

     

     

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  8. Emma Work out the charges, interest charged on them using one of the ready made spreadsheets on the site and wait for a termination notice.

     

     

    Yes I do need to sit down and do this. It just gets a bit overwhelming sometimes with 4 of them on the go and the paperwork just keeps piling up. I know one of the DCAs stuck £5 grand interest on top but cant remember which one without looking. I've just ignored them all anyway.

     

    thanks again for help and comments x

  9. Thanks Emma. It still depends on the judge unfortunately... Is the amount shown correct? Is the original agreement enforceable? The default notice itself is set out in the format required by the regulations. That is the other thing to look for along with the correct amount. You are looking ideally for a defective default notice on all three elements with a termination notice to follow and an unenforceable agreement.

     

     

    Just a quicky cos i'm on my way out :-D

     

    I've got a letter from them saying something along the lines of 'due to archival retrieval they cannot supply a copy of cca at this time'. As for the amount, there are an awful lot of charges on there. They were still adding charges last year even though the ppi paid out eventually.

     

    thanks all, i'll pop in tomorrow x

  10. Now I would send a request for disclosure in response to that, after all it does threaten court action - this usually scare the doo doo out of them.

     

     

    Sorry to be a thicko but whats one of them? I've done a CCA and a SARs. They've basically told me they have no CCA and I didn't get much back from the SARs request. A few statements, copies of a couple of my complaints letters, but none of the letters which I sent in the beginning asking for help because of my redundancy. And no telephone transcripts at all.

     

    thanks x

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