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tony3x

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tony3x last won the day on June 30 2015

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  1. Thx. Will correct the address as currently on mail redirect due to recently moving. Is it worth mentioning they still haven't replied to the CCA request.
  2. Hi All, Trying to help a friend that got in to a bit of trouble when splitting from his wife. Ex Barclaycard debt first assigned to Hoist and now to Rob Way. Default date - 18/03/2015 Default balance - £4764 O/S Balance - £3222 The change happened 20 months ago when they offered a settlement. CCA sent to Rob Way 02/08/2018 Pack received dated 24/06/2020 containing BC statements from Feb 09 to Jan 15, Assignment notice 03/09/18 letter from BC to Hoist with 'historic & varied T&C's' signed application dated 11/2012 - at
  3. Tried a section 75 but as the ticket price was only £99 each they will only try a chargeback which will only cover my £100 deposit. The venue is now advertising another event on the same weekend next May so there is no chance of the promoter transferring the date from 2020 to 2021. I. among others, feel that the company will try to liquidate rather than make refunds. Further investigation is needed but just need to check something. The address that is listed on the promotional material is a PO Box, this is also the correspondence address where the booking forms are sent,
  4. I get your drift Andy. Its actually less about the CC suffering and more about the thieving Piers Morgan of a promoter getting away with it. The good thing is I know I can get my money back.
  5. Not sure if this is in the right place but I could do with some advice on making a claim to get a refund for an event that was cancelled. Here is the basics of the story; A music event that is run twice a year was cancelled in May due to Covid. At the time they just transferred the tickets to the event running next May. Was ok with this as would have been going anyway. Since then there has been some developments where the main person (Mr A) that promotes the event posted some racist and sexist comments on social media. As such the venue have announce
  6. It seems to me he is relying on the fact that there is a lot of equity that the lender will not try to repossess, quite a risky thing to do. The service charges would have been in the original lease so must have been agreed at the time it was bought. Not justifying the amount as that seems very high. You mention it was bought decades ago - depending on the length of the remaining lease this could possibly be another issue as the shorter a lease gets the more expensive it is to renew. May be worth checking and hopefully it was on a very long lease originally. Regardless
  7. Not sure where the flat is but the property market is not that low. Prices have plateaued in the SE with some decreases for high value properties in London, the rest of the country is generally seeing some small increases. Seems your friend is between a rock and a hard place. He has a flat he cannot afford to maintain costs on but will not sell as he thinks that prices will rise albeit not knowing when.
  8. Something else that may be an issue here. If friend has a mortgage they will have to have buildings insurance and I am sure that one of the questions relates to the property being empty for extended periods. Has this been addressed, if not and there is a claim there will be a good chance of it being refused. Not sure what you mean with regards a poor sales market, if its regarding property its not that bad and will not grow by any large amounts anytime soon.
  9. Is your friend still a UK resident. If so he may be able to get a Lifetime Mortgage to replace the current mortgage and raise enough for the outstanding fees, and also receive an income that could pay the annual service charges. Would have to come back into the UK though.
  10. EB - I have already stated that the Oyster has already been cancelled and the print out from TFL shows that she tapped in but then did not tap out. It was not used after that. All the stations she uses have barriers so cannot get through without a card or ticket. I was no way being aggressive, just thought that the comments were not entirely helpful. Stating byelaws etc was not what I wanted, just some advice from someone that may have been through the process. Stigy - I was not making excuses for my daughter losing her card, just annoyed (as any father should be) that a older
  11. But you haven't really given any advice, you have just thrown rules/regs at me. I just asked if anyone had any experience of the appeal, you obviously haven't. You have not advised me of anything. Still defending the member of staff when you wasn't there (unless you are the person involved!). Please explain what about my attitude you do not like, because I didn't suck up to you. What you have said has not taken this forward at all unless it was to massage your own ego about how much you 'think' you know!
  12. I understand your defence of the inspectors attitude now. Handled more compassionately - nothing to do with different to who. An 18 year old approaches a member of staff to tell the truth and not try to get through the barrier (which is not overly difficult in London rush hour) and instead of being a bit compassionate and explaining the situation with regard the penalty fare he makes her feel like she has done something wrong - which no doubt you agree with. Not my idea of how to deal with the public! I will not be continuing this debate with you as you quit
  13. So my daughter approaches a staff member and is reduced to tears by his attitude, handled differently and, although the outcome is the same regarding the 'offence' my daughter walks away feeling differently. While I was not there my daughter has a very good recollection of what happened as well as phoning me straight away, I stand by my thoughts that the inspector would have handled it differently with someone older. The way you deal with people in difficult situations says a lot about the person, a bit of empathy goes a long way. The appeal does not mention the inspect
  14. My daughter is 18 and the inspector basically accused her of lying even though he could see she was upset - typical of the type of bully that do these jobs as I am sure if it was someone a bit older his attitude may not have been the same. The penalty is for 'no ticket or pass' which as you say is technically true but I really can't see how they can penalise someone for losing a pass when we can prove that it was used to tap in and not used since. Quite willing to go to court as long as it remains a civil matter, regardless of cost as its the principle that is important to me.
  15. My daughter has received an on the spot penalty charge from TFL for travelling without a ticket. She has an apprentice Oyster card with her season ticket on it. She tapped in at the beginning of the journey (only way to get through barrier) when she got to her destination she realised she had lost her Oyster card. Went to a ticket inspector who proceeded to read her the riot act and had her in tears (a complaint will be going in about his actions). She willingly gave her details and the inspector even made a call to check she was telling the truth about h
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