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Everything posted by tony3x

  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 - attached T&C's with a reprint date of 01/03 - attached Rob Way are asking for details of how he will pay. Is there anything that can be done. Thanks BC redacted app.pdf BC_T&C.pdf
  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, or should I use the address listed on companies house. Something else that was mentioned to me that needs clarification. If a Ltd company has a trading name, should both names be on any promotional material, letter heads, email signatures etc. Thanks
  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 announced that they have terminated their relationship with said promoter and no further events will go ahead. I, among others, have tried to get a refund, which should have been offered under Covid guidelines, but have met with the proverbial brick wall. Email replies are standard and say that they are undergoing a management re-structure and the deposits for the September event will be refunded and then they will deal with the may 2020 event (this had been fully paid by everyone). The situation is further complicated by the company set up. The event is known and advertised by a particular name and cheque payments (I know, should have paid by card!) are made to the said name. However in the background there is a Ltd company of which Mr A is a director along with 2 others (Mr B & Mr C). Checking companies house show this company is trading with significant amounts in the accounts. Mr A is supposed to have been removed as a director but is not the case at present. However the shareholders are the children of Mr A (held in trust) so a link is still there. The promoter is still advertising events even though the venue has stated that they will not be going ahead. This is not a small event. It has been running since 1979 with the current promoter in charge since 1994. It runs twice a year with around 4000 people at each event with prices ranging from £100ea if you stay offsite and £160ea to stay onsite. It appears that the Ltd company is trading as the event name but cannot find this link anywhere on any documentation or flyers - am I right in saying that The Ltd company should disclose any trading names? So a couple of questions; I paid the balance of my booking by cheque - would I be able to find out the name of the account my cheque was paid into (regardless of who I made it payable to) from my bank? What chance, if any, do I have in success by the small claims route do you think I would have. After I had typed this I got the feeling that I did not pay the deposit by cheque, luckily I paid by credit card (£100). I assume that I could claim the full amount under section 75 but feel aggrieved that the promoter then gets away with keeping my money and the credit card company suffer (morals I know). My total outlay is only £200 but its the principle not the amount. Long read and thanks for any help.
  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 of the rights or wrongs it looks like the problem with the ongoing service charge will always be there and will rear its ugly head every year. As I said a lifetime mortgage that provides a lump sum to clear the outstanding debts and an income to pay the service charge seems like a sensible way out unless your friend has other ways of finding the funds. A lot will also depend on whether your friend intends to come back to the UK, if not I think selling would be a sensible thing to consider as the funds released could be used to generate an income which could be more useful than a property sitting there not producing any sort of return, or actually a loss to be honest. Other option would be to consider letting the property to generate an income to cover the fees and mortgage and probably a bit extra. I realise that the selling or letting is not ideal but the situation could end up getting out of hand if it carries on. If a lender does repossess it would not be unrealistic for it to be sold at less than 75% of the true value which is not good in any way.
  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 person has reduced her to tears when a more sympathetic approach would not have done. You call me an entitled snowflake, i will treat the comment with the contempt it deserves. When you are born & bred in Dagenham you don't get entitled to anything, you have to work for everything you have/want. Looks to me that you work in the industry so the comment in your last post "I have heard of people appealing and having their PFs withdrawn" should have been in your first post when you decided to give me a lecture about rules/regs. If it had of been it would have been more help even if you had put some caveats in. Basically what I can deduce is that she may be lucky on appeal, if not a decision has to be made.
  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 quite obviously feel that the inspectors attitude was justified.
  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 inspector at all as his attitude has nothing to do with the 'offence'. This will be dealt with by way of a complaint to TFL. Looking at the ticket again, it has been issued in accordance with the Greater London Authority Act 1999 and checking the act it says that the penalty fare is £50 reduced to £25 if paid within 21 days, although I may have missed any amendments. Daughters 'fine' is £80 reduced to £40. May need further investigation if the appeal is unsuccessful!
  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. Appeal has been submitted along with her journey history that shows the tap in but no tap out. I was a couple of trains behind her so asked at the originating station if anything had been handed in but nothing, the staff were all very helpful and all thought that the ticket will be cancelled. Fingers crossed.
  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 her season ticket - he then issued the charge notice. She has been onto TFL to get the journey history but they need 48 hours for it to show, and to order a replacement card. I am assuming that on appeal this will be cancelled as she had tapped in but just wondered if anyone had any experience of this. Thx
  16. Hi All, Friend of mine was working for a contractor (Ltd Company) on a CIS basis. He has now left due to not being paid. He is owed £4000 gross (£3200 net) plus some expenses. The lack of payment has also meant he has incurred bank charges, He has been in dialogue and keeps getting promised the money is coming but still no luck. I have told him that from now on either to record phone calls or only communicate via text/email. He now wants to start proceedings to get his money. I understand that an LBA is required but could do with some guidance on how to start things off.
  17. Several threatograms from zenith now received this from Gladstones. I assume still sit & wait.
  18. Not sure that Samsung are correct re the warranty. My S7 crashed so I took it to the local Samsung store and they replaced the mother board and charge port under warranty but I had to pay fro a new screen as it was cracked.
  19. Look at other options of raising funds. If he sells the additional property there is the possibility of CGT, same with the art. It may be worth considering a lifetime mortgage on the additional property as the amount required is so small in the grand scheme.
  20. Surprise surprise the BPA back Smart Parking! https://www.echo-news.co.uk/news/17236537.westgate-car-park-basildon-is-doing-nothing-wrong-according-to-watchdog/
  21. Thats the garage. The sign in the picture now has another sign below it. I have a pic on my phone so will upload and also take pics at night. The sign on the wall at the other side of the garage you would not see as you turn in as it would not be in your eyeline. Just a question, why would you not mention the car wouldn't start in any appeal. Petrol was put in a pump 7 and then would not start. I had to go down to push car from forecourt then jump start. amended pic below
  22. Been into the petrol station twice and phoned twice to get hold of the manager but no luck as yet. Going back in today. NTK attached. 1 Date of the infringement - 01/11/18 2 Date on the NTK 07/11/18 3 Date received 08/11/18 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y 5 Is there any photographic evidence of the event? just number plate 6 Have you appealed? {y/n?] N Have you had a response? [Y/N?] N/A 7 Who is the parking company? Euro Car PArks 8. Where exactly BP Petrol Garage, Romford
  23. Got to love them. Daughters boyfriend just received a NTK for staying to long in a petrol station. The car was there but wouldn't start after filling up with petrol - I know because I had to go and get it started. The wording is brilliant! I will going down there to check signage and also speak to the garage staff to try to get it rescinded as they will be able to check CCTV - don't hold much hope. First time i've heard about ANPR in a petrol station!
  24. Not 100% but I have always been under the impression that tax is deducted at the basic rate and any rebate is claimed direct from HMRC. This is the same as interest on a savings account if you don't tell the bank that you are a non tax payer (or less than £1000 in savings) Also thought that 8% was statutory interest. The letter says to reclaim any tax direct from HMRC.
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