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Found 358 results

  1. Hi, Sorry but this is my first time doing this so bare with me. I work for a catering company in which I load and unload stuff everytime with my own personal car. There is one sign that mentions of a 30 min loading time and there is also a parking sign in the exact same area. On the Parking sign it mentions that you can park up to 1 hour. I have been given a ticket by ParkDirectUK within the period of 10 minutes so this does not make any sense to me. At the time I was loading and unloading taking things to and from the car. I think I have been provided this ticket unfairly and I think it is ridiculous, I also spoke to another person who works within the same units me saying that he had also been provided a ticket 7 days ago for the exact same thing. I will provide pictures which I hope will give you a better understanding. If you need anymore information please let me know. Should I pay? Should I ignore it? Should I contest it? Any help would be appreciated. Regards, Ridoftickets
  2. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdraft together as one debt, and the remaining loan as another. Since the default in 2009, I have been making token £1 monthly payments to Metropolitan Collection Services; I have since moved house a few times and hence had no contact with them. Aiming to sort things out once and for all, I joined this site, and under some much appreciated advice, sent out a CCA request to Metropolitan last week. First Direct have responded, sending back my CCA letter (but keeping the postal order???), saying: The letter is not signed (didn't think I needed to) - they want me to provide a specimen signature My current address does not match their records (it wouldn't as I have moved, but my credit file address is up-to-date) - they want me to provide the old address to match their records. From this, I gather that FD still own the debt as Metropolitan did not write to me. As mentioned, my credit file is up to date with all addresses. Does anyone have any advice on how I should proceed? Are they trying to delay and does the time limit of 12+2 days still apply? Or, are they valid in their requests? Any help much appreciated Thanks AM
  3. Hi All I was hoping for some help with this credit agreement that was sent over from Capquest in reply to my CCA request. It's a shop Direct agreement and to my eyes it appears to have all the ingredients of an enforceable agreement. There is no actual signature but my name and date is printed in the signature line, there are terms and conditions along with a date. The debt will slip off my Credit file on the 27th August 2019. If it is unenforceable I am inclined just to leave it and let it fall off my file in 2 years. However if it is enforceable I would like to be able to prevent Capquest issuing me with a CCJ? Any advice would be appreciated. PS The attachments are in the form of a Zip file, as it wouldn't allow me to directly upload the JPEG. Regards Jonathan 1.zip 2.zip
  4. Friends daughter has received a ticket for 'failing to clearly display a valid parking permit'. It is permit controlled parking for an underground car park. She had the permit on display but feels that it may have been the wrong way up. Do we wait for them to write to her asking who the driver was.
  5. Good morning all Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells. The debt is for £2k+ I have read the guides and templates available and sent a CCA request to Lowell's in November. I finally received 2 signed documents. You can see on one document the key financial info is set at £36. The other document Is signed and the account number is the same as the first document. Note that the dates are different so the documents were not signed together. Any help or pointers would be greatly appreciated. Many Thanks
  6. Hi, I've been corresponding with Lowell, who have bought a debt that I had with Shop Direct. They have sent me the following documents which I have uploaded as a PDF. Is this enforceable? Many thanks. Edited DocPDF.pdf
  7. Hi I was made redundant last year followed up with a difficult time with depression which I am now over with. I had a good pay off and made regular payments to my direct debits but noticed that I had a letter from one Credit Card saying I was five months in arrears. When I complained they said they had cancelled my direct debit as I had missed a couple of earlier payments. I looked through all the terms and conditions of the card and no where is this process mentioned - I can't find any reference to this or the law surrounding it nor can I find a lawyer who will advise me on this. The only thing I can find about cancelling direct debits is when it's a consumer cancelling it and the direct debit guarantee. They also tell me they wrote to tell me about this earlier last year but I didn't receive the letter - I have a process of scanning every letter I have when I receive it so would not have missed it. What rights do I have - I've exhausted their complaints process and am a bit wary of the Financial Ombudsman. Thanks
  8. Hi everyone - haven't been on this forum for ages which is probably a good thing as it means I have no problems that need solving, but need to use all your brilliant advice again. Got a letter from Direct Auto Finance saying I could claim for PPI, they sent a form and also asked for copy of my agreement (which I did have, think was from 2012) filled it all in as we were conned, I remember the sales guy saying we had to take out PPI otherwise we could not get the car without it even though it was over the amount we could afford and kindly left the room for us to "talk about it". Had no option so signed on the dotted line. The total amount of PPI on our finance agreement was £1018.97. Got the letter with breakdown from them today and they have agreed a final settlement of £219.75. What I would like to know is does this amount sound fair or should I appeal. The only reason I don't want them to get away with it as looking back the salesman had no right to say we could not get the car without it. My brother has bought me a ticket to go to New Zealand over Easter to see my nephew so would be brilliant to have some extra money to spoil him. I have attached a copy of the breakdown. PPI.pdf
  9. The company we all can not forget, for their poor quality customer service and who cares attitude which landed yes BUST I had a letter in december from them at my new address, the property was built in 2013 so would of been impossible for them to obtain from me. I checked all of my credit files and no searches, Direct Auto finance claim they got it from equifax... so I ask equifax they say no they have not. Direct Auto finance claims that they have the right to trace my address for legitimate business reasons, and they also have to right to still keep 12 years after the end of my agreement all of my data, drivers license, passport, bank statements etc. ICO says not but 3 month backlog, has anyone else had a letter from them? I have also seeked to reclaim gap using the Plevin case as an example, as they failed to advice what commisions were been paid normal brick wall response from them. Now my agreement was late 2005 so not sure if ombudsman or fca with it but they dont seem to like giving deadlock letters etc. Any advice, also if you have recieved this letter about data SAR them it will cost them todo also.
  10. Hi all, A query regarding very online shopping, hopefully someone can confirm my question. I purchased an item from very on the 18th of october 2017 on a 12 months buy now pay later basis. According to very the full balance was due on the 21st september 2018, i have missed this by 2 days (paid on the 23rd sept) and i have been charged the bnpl interest,very are not willing to refund the interest. I was just wondering whether very have the correct payment due date? It doesnt seem right to me, very work on 28 day statement basis. Can someone who has been in a similar situation clarify if the payment due date is correct please.
  11. Morning all, I have an interesting but perhaps a rather open and shut case with TNT Direct aka Parcel2Go. Purchased courier service to transport a PC from my home to a close friend in the USA. Paid £68.46 on 15/11/2018 for collection on 19/11/2018. Delivery within 1 - 3 days but confirmed for 22/11/2018. Customs paperwork and FCC 740 form was completed and provided. There is very little information out there on how to complete the FCC 740 form but after finding the example version on the FedEx website I completed it and attached with the parcel. 19/11/2018 TNT arrived to collect Parcel and it was handed over. 22/11/2018 comes and no updates on the tracking information. I contacted TNT Direct / P2G via webchat and was told they were missing the FCC 740 form and the parcel was being held in their depot. I explained to them that I had already included the FCC 740 with the customs paperwork as per the instructions. Nevertheless they requested duplicates and I provided those the same day in good faith. 23/11/2018 TNT bring the parcel back to my home address. I was in but as I was not expecting any callers I did not answer the door. So the parcel was taken back to the depot. I contacted TNT and explained what had happened, they advised me it would be resolved and the parcel delivered. 27/11/2018 still no updates on tracking so contacted by webchat again. Was told they did send over the duplicate forms and contacted the depot but this was not followed through correctly. 29/11/2018 Parcel Delivered - But tracking information not showing this and P2G / TNT completely unaware of this also! 03/12/2018 still no tracking updates so another web chat. This time they opened an investigation. But this time I was told "Good afternoon, Order number This is in transit now" 06/12/2018 again no tracking updates so contacted them again and was told an investigation would be opened again and they would contact me within 1 - 2 working days. 11/12/2018 still no updates so I contact them again and begin to lose patience and this is where things started to get a little interesting. I was told: "Consignment showing as Delivered by FedEx 29/11/2018" I had already mentioned and was advised on delivery that a refund would be "looked into" because of the lengthy delay for delivery. But nevertheless the agent I spoke with used just about every excuse under the sun to blame me for the late delivery and said a refund was not possible. When I didn't take no for an answer he then tried to change the date the parcel was sent to the 27/11/2018 so delivery was made within the 1 - 3 days. I wasn't having that either. I then used the example of public transport and that a service is not guaranteed to arrive at the time advertised in the timetable. But if there is a delay the operator will compensate (obviously I know there are exclusions to this, but the principle remains the same) the passenger for late arrival. The agent then tried to say that a service guarantee was not purchased, but this was never offered on the website in the first instance. But go and look at the TNT Direct website for this nice little extract on parcels to the USA: https://direct.tnt.co.uk/services/parcel-delivery-to-usa So a guaranteed service is not a guaranteed service it seems... But the absolute icing on the cake are the terms and conditions on the TNT Direct website: https://direct.tnt.co.uk/legal/terms-and-conditions But the agent seemed to think that the terms and conditions I agreed to are these, on a completely different website: https://www.parcel2go.com/content/about-terms.aspx When I advised the agent they had contradicted themselves they tried to blame the delay for delivery was because of the address used and not because of the paperwork. I had the PC sent to my friends work address, which is a small bank branch in the USA which has a mailroom on site. They use PO Boxes for each staff member, But the mailroom is small enough that staff would know who a parcel should go, even if the PO Box was not put on the label. But nevertheless this is a moot point as they still accepted the order and carried out the contract in a rather amateurish manner. But it just goes to show how they tried to use every excuse available to avoid being responsible. I'm going to take this on as I am satisfied I did not receive the service I paid for, which was delivery within 1 - 3 working days. If they offered a 50% refund at the time of conversation, I would probably have accepted that as they still provided part of the service paid for. Now I most likely will not and am going to look into doing a chargeback for the service. I'm reasonably comfortable with handling this without too much input. But I wanted to document this in case anyone else has the same problem with TNT Direct / P2G. Is it worth writing a formal complaint to the executive office for this or should I just do a chargeback and see what happens? Oh and the tracking website still has the parcel in Liege Euro Hub... So I have no actual proof of delivery, just their agents say so...
  12. Hi there. My husband is trying to claim ppi from Littlewoods/shop direct. He has received a letter from then saying he did have ppi with cover plus. Start date was in 1994. It was fully paid. The thing is, they have enclosed a claim form from the FOS. Why would they do this? Many thanks
  13. Hi All, Looking for some advice and guidance please. I had two accounts littlewoods and very, both had payment protection on them. I run the accounts fine for years and then got into a bad patch financially and couldn't afford to pay them, it didn't help that I was being paid monthly and the statements were 4 weekly. Shop Direct sold the debt to Lowell, I now have a CCJ for the one account. But they piled on a load of charges and interest before they sold the debt to Lowell, and what was a £2k debt between two accounts is now a £3.7k debt. Any advice with this? Or should I just accept it is what it is and continue paying the amount agreed with Lowell. Thanks in advance Sarah
  14. Hi All If FD merge my overdraft , credit card and loan I into 1 debt . Does this make the debt unenforceable ? Many thanks
  15. Hi, I received a letter from Ruthbridge over a DLC debt which has been assigned to them, this is very old although payments were being made to dlc through a dmc in 2011. I received this letter threatening to make me bankrupt! I decided to send a CCA request to them and have just received a reply today returning my postal order. This states 'we write further to your recent correspondence requesting information with regard to our reasons for contacting you. We take note of the points you have raised in your correspondence, however we must advise we are not in a position to reply with your request at this stage as we are required to verify information we have been provided with yourself for the purposes of data protection in compliance with the Data Protection Act 1998. We would appreciate it if you would contact our offices so that we can complete the necessary verification and address and further queries you may have with regards to this matter' Obviously it is a trick to try and get me to call them, but where does this leave me with the CCA request bearing in mind they returned the p order? I should also point out that this debt is no where on my credit file and I think the original agreement must have been way back in about 2004/5, I doubt there is any chance they would have the original agreement. Thanks roadhog
  16. Hi there, Recently i had an accident that wasn't my fault when i veered out the way of an oncoming car that came over onto my side of the road. The cars did not collide and i went into a raised curb, the other driver did not stop and drove away. Major damage to passenger side front wheel, and passenger side suspension with body damage. i have a £3000 excess, with XS direct. They claim the car is a right off and their engineer valued the car at £24,000 when brand new in March 18 it was £37,000 value. They are now claiming it is not economically viable to repair. Car was sent to BMW approve garage as in BMW dealership, estimate of £16,000 all in. They class it as Salvage: S? Please help, is there anyway to convince them to repair the car? Thanks,
  17. Hello, I currently get £8K PA from the government's self directed support and I am not happy with their service and I wish to change to direct payments for more choice and control. It's done through the social care direct service. They want to establish a meeting with them to do what best for me? Do i have to go to this meeting or else I will be rejected direct payments of non attendance and non communication? When the service changed from day care centre which closed down to privatised care they forced me to go to private care rather than give me a choice of direct payments. Why can't social care stop payments to them and provide direct payments? Its sounding like a pip assessment.
  18. So I need some advice. Long story short, I was working for a small lettings agent. I was given a company car however the owner told me to take out personal car insurance, stating that he would pay the monthly direct debit. This was the case and I was working their for a couple of months until unforntualy I had an accident in the car making it a write off. I then had to claim on the insurance, the car was paid out, after that the owner decided he didn't want me to work their anymore. I then lost my job, the owner canceled the direct debit for the insurance which then, in turn, caused Direct Line to cancel the insurance. I then, however, started receiving letters from Direct line insurance stating that I owed the £1809.71 for the rest of the insurance premium as per the terms and conditions. I ignored these letters for months, however, I am now receiving letters from Moorcroft Debt recovery LTD who have been instructed by Direct Line insurance to collect this £1809.71. I need some advice asap, I am currently not in a situation where I can pay off this debt and to be honest I don't really want to.
  19. Morning everyone Received letter from Shop Direct on 28th March to say they sold my Very account to them. Shop Direct is still showing on my credit file. Could anyone advise who I should SAR? Thanks so much
  20. I have a bit of an awkward situation that I can't see anywhere else. I had amassed some debt and in November 2015. I contacted a debt charity at 4am by email and they locked into action immediately and helped me. By 14 December 2015 an IVA had been agreed between the financial company and creditors and now paying that without having missed any payments. However, in the November, whilst my IVA was being set up, I was advised to move my bank account from Santander as they would likely lock my account upon receiving this email IVA request notice. I moved my account in November 2015 to First Direct. The account they provided me with was a Credit Account with a £500 overdraft and I applied online with no prompt to read any T&C's that I can remember and no paperwork received with the exception of my bank card and it's pin. In the first couple of months I had planned with my financial advisor handling my IVA what debts to include. To help reduce the IVA amount, I used most of the £500 overdraft on the First Direct account to clear one of the debts and then I would work the overdraft down over time. Out of the blue, and with therefore no notice, I received a letter from First Direct in March 2016 stating that they would close my account because I was in an IVA and this breached their current account rules and that they would close it in May 2016, giving me 2 months notice. I rang First Direct immediately upon receiving the letter and was essentially told to pay back the overdraft before the account closed and that was my only choice. In May 2016 I rang First Direct again and explained I was still in IVA as they know so couldn't pay off my overdraft in one go like that and had planned to work it down over time that had now been taken away from me at their choice. I was told that they would send me a form once my account closes to complete to set up a repayment plan that would be affordable to me and take into consideration my IVA. This is where my problems began to escalate. I never received any form from First Direct. I emailed them to ask for it in June and July 2016. received responses stating they couldn't discuss my account unless I rung them, which I was suspicious about as surely they must contact on the method I request? I managed to go out of my way and visit a HSBC some miles away and ring them. They agreed to send me the form that they hadn't sent previously. I then waited some weeks and received no form again. Instead, some weeks later I received a letter with a debt collection agency header on it asking for £512 that I now owed. I replied by email, copying in First Direct, explaining that I was still awaiting the repayment form and then never received a response from First Direct nor the Debt Collection Agency. Some weeks later I again got a letter from the Debt Collection Agency, again replied by email copying in First Direct and attaching my previous email and again never got a reply. A couple of months later I then received a letter with a different Debt Collection Agency header. Again I replied with the same email, attaching previous emails and copying in First Direct, and again I received no reply from anyone. I then sent an email to First Direct a few times over the next few months asking for the form and kept getting the same response as before, that they cannot discuss my account. In mid April 2018 I received a letter from Cabot Financial asking for repayment of the £512 for the HSBC debt and that they had bought the debt in August 2017 but weirdly apologised for taking until now to write to me about it?! A day later I received a letter with HSBC header dated BEFORE the Cabot letter chasing repayment for £512 debt. a couple of days later I received another letter dated AFTER the Cabot letter from HSBC saying they had now sold the debt to Cabot and to now deal with Cabot on it. This all seemed very odd to receive these 3 letter within a few days, seemingly contradicting each other and confusing, one claiming Cabot had purchased the debt in August 2017 and one with HSBC dated before the Cabot letter asking me to repay them (and not Cabot). I have replied by email to Cabot and asked for no email or telephone contact and no visits to my home and that I would only correspond in writing and that I would write to them in time on this. I'm now in a position where I am looking for above on what to next. Any help would be much appreciated!
  21. Hi Ive had a reconstituted credit agreement from Shop Direct, can anyone have a look for me, the account was taken out in 13/06/2006. I went into a debt management plan in 2008 and I have been making payments to them for the last 10 years. I found this thread in Jan this year and stopped paying and sent CCA's to all my creditors. I havent claimed anything back on the account as far as I am aware I never had ppi on the account 05-04-2018, 17:37 Office Lens.pdf
  22. Good evening everyone! A friend of mine has just contacted me and told me a story of how she had just visited a Sports Direct store in East Ham, London. She was just looking around there in search of some clothes and when she tried to take a shirt from the hanger, huge insects started falling out of its folds. She began recording this with her smart phone camera and asked the manager to comment the situation. But the manager just told her to stop recording and "get out of the shop!" So she is not going to try and contact Sport Directs anymore and want to proceed with complaint straight to appropriate authorities. Please advise where should she write the complaint and how should she use that video as the evidence. Thank you in advance!
  23. Online retail giant Shop Direct is to close three distribution centres putting almost 2,000 jobs at risk. The company – which owns Littlewoods and Very.co.uk – is to close sites in Shaw, Little Hulton and Raven, all in Greater Manchester, from mid-2020 onwards. It said it plans to build a new warehouse in the East Midlands employing 500 people, but that redundancies were likely. https://uk.yahoo.com/finance/news/2000-jobs-risk-littlewoods-owner-shop-direct-shuts-three-warehouses-135202471.html
  24. Here's the chain of events, any advice appreciated! Thursday 23rd November 2017 - "An authorised driver" parked my wife's car in a restaurant car park in York, went in to the restaurant to ask if a payment could be made to park until Sunday 26th (Minster Baywatch didn't offer anything above a "3 hours + until 6am" option). £15 paid and a hand written receipt was issued, showing the registration number of the car, and confirming authorisation to park from 23rd to 26th. No other writing on the receipt that stated the receipt needed to be kept on display in the car. Friday 24th November - Parking Charge Notice issued by Minster Baywatch, reason stated that no valid parking ticket was being displayed. Sunday 26th November - Car removed from car park within the agreed time. Saturday 30th December - NTK received. We have made no contact so far with Minster Baywatch. The NTK shows photographs of the car confirming no ticket being displayed on the dashboard. My main question is, because the driver went directly to the restaurant and made an agreement with them, with nothing confirming that their receipt needed to be kept on display, does this in any way override any presumed contract with the parking operator? Any advice appreciated. I have redacted scans of the NTK and receipt from the restaurant, so far keep getting an error when I try to upload them , will continue to try and get them uploaded. Thanks! Scans attached.... Doc1.pdf
  25. This company Park direct uk, issued me a PCN while i didnt have time to think to where to park, so i was feeling dizzy and i parked there, and I gave the reason to them, and I'm legally to do so if im in an emergency, and i sent them a appeal and they refused, and this is a private land, can someone help me out please? I attached all the posts that i received from them and what i appealed to them. Many thanks guys
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