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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Another newbie with a question.


Shonk
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Hi folks, I have been reading your forum for a while now and decided to join in.

 

 

I have read a lot about Arrow and CBS Transcom on here and I am having a problem with them. I offered a lump sum to them in full and final settlement, that was a month ago. They haven't refused, or accepted it yet.

 

I have called CBS Transcom who are debt collectors for Arrow and asked for a straight forward 'yes' or 'no' to my offer. I'm just getting fobbed off, no one will give me an answer. I'm still paying them my monthly agreed amount and they are still adding interest while I'm waiting.

 

What can I do? Any ideas?

 

Thanks,

Shonk

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Arrow are chasing me for a debt of £7700 (that's their figure) via CBS Transcom. I wrote to Transcom offering a full and final of £2500 and explained my sitution. This was 6 weeks ago.

 

I have phones Transcom twice and asked for an answer, yes, or no. They won't give me one, they just say they will call me back and don't.

 

In the meantime I have requested a copy of he agreement, statement of account and proof that they own the debt. No reply. This was 14 days ago.

 

Called Transcom, the person who answered the call said that all discussion on this acount must be through the manager. Transferred to the manager who promised to call me back...didn't.

 

I'm really stuck here. I am willing to pay them if they will agree a reduced settlement figure but they won't give me any answers.

 

I won't what's being covered up..why the silence.

 

Help would be appreciated.

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I have requested a copy of he agreement, statement of account and proof that they own the debt.

 

did you do this as an official CCA request (one pound payment, quote CCA etc.)? If you did, they've reached the stage now where they can't take any action against you without court authority, and if they don't supply the agreement within 12+30 days, they are in criminal default.

 

This means that any agreement they have can NOT be enforced, and they really have no option other than to take your offer.

 

If you DIDN'T make an OFFICIAL cca request, then do it NOW.

 

DON'T deal with them on the phone, only in writing.

 

You seem to have the upper hand here already, so don't worry.

 

;)

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Thanks oneofakind, yes I sent the request officially with £1 and quoted CCA, etc.

 

I am still paying them £52 per month and interest is being added to my account. Is it wise to stop payin them?

 

Shonk

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They are not allowed to charge any interest whilst the account is in dispute, ie from when they received your CCA.

 

I'd keep the payments going until they've had 12+30 days from delivery of your CCA. At this point they are in criminal default, and you are not obliged to pay them ANYTHING:D .

 

At that point, I'd write to tell them that they are in default, withdraw any offer of settlement you made, and tell them you won't be making any more payments on their unenforceable alleged debt.

 

you could make another f&f offer, but it's all on your terms now. They can make lots of threats against you, but it's all bull, because they cannot prove you owe them a penny!

 

Lack of an enforceable agreement is a complete defence to any court action they might threaten you with.

 

:D

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Just had a phone call from CBS Transcom,didn't take me through the identity check, just went straight into saying they are chasing the debt and have no record of me contacting them I told them I have a detailed record and to contact me by letter when they have their facts.

 

I am getting really sick of this. I'm actually trying to find a way of paying this off, not trying to get out of it but they just aren't helping me, or even bothering to negotiate.

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Shonk,

 

Freakyleaky is right as always (except on matters of rugby but that's not we're here for).

 

But DO NOT PHONE THE B....... ever again. All communications must be in writing with a copy retained and also sent by signed for recorded delivery.

 

You can choose either to keep the GPO receipts or print out a signed receipt of delivery from www.royalmail.com

 

It's a hassle, will cost £1.04 a time, but is particularly important with this crowd.

 

Good luck.

 

Vandermerwe

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That's another black mark against them... no security as required by the Data Protection Act.

 

This advice may be out of order (been to the pub, won the quiz AGAIN!!) but I suggest you juat put the phone down on them. Deal only in writing!

 

:D :D (speckled hen grin!)

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Good advice I think! I'll just put the phone down next time and just wait until they default on CCA before I decide what to do next.

 

Maybe I'll take the lead from you and have a drink or two. My head is buzzing with reading posts on here!

 

Will post again when anything develops.

 

Thanks,

 

Shonk

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Hi Shonk. You must think you've subscribed to 'The Goon Show' or 'Monty Python' from what's on your thread already!

 

Apart from the chit-chat with Freaky Leaky I must tell you to beware of Arrow. They only recently came into the UK from the US of A to tell us limeys how to collect debts - bit like how they came and won World War II for us.

 

I do not believe you could have run up a debt with them - I'll bet my bottom dollar they have bought a debt from someone else (at a guess I'll say MBNA or one of their other companies) and I think you should transfer your thread to the DCA forum and search for Arrow and/or CBS Transcom.

 

The badinage above should show the site isn't all doom and gloom, and you must read the thread pinkduchess - v - HSBC when you have a day and a half to spare, but before you move your thread I must respond to Freaky L. about the post he found, obviously, mildly amusing:D:D

 

It was my second favourite from "Private Eye" but my most appreciated occurred in 1968, and, at enormous time and trouble I have searched the Vandermerwe Library of Classic Works to find "The Private Eye Story" (which bears the 1982 "Happy Christmas Dad" inscription from Van major and Van minor.)

 

It's also rather relevant to the forum and the type of letter we poor sods receive.

 

In 1971 "Private Eye" was sued for libel as they had alleged 'unsavoury' debt collectors were receiving back-handers. [Can you believe it?:rolleyes:]

 

They received a letter from a somewhat notorious firm of solicitors which read:

 

We act for Mr. Arkell who is Retail Credit Manager of Granada TV Rental Ltd. His attention has been drawn to an article appearing in the issue of 'Private Eye' dated 9th April 1971. The statements made about Mr. Arkell are entirely untrue and clearly highly defamatory. We are therefore instructed to require from you immediately your proposals for dealing with the matter.

 

Mr. Arkell's first concern is that there should be a full retraction at the earliest possible date in 'Private Eye' and he will also want his costs paid. His attitude to damages will be governed by the nature of your reply.

 

Yours etc.

 

Their reply was as follows:

 

We acknowledge your letter of 29th April referring to Mr. J. Arkell.

 

We note that Mr. Arkell's attitude to damages will be governed by the nature of our reply and would therefore be grateful if you could inform us what his attitude to damages would be, were he to learn that the nature of our reply is as follows: **** off.

 

Yours etc.

 

I gather this story has gone into law-student lore as 'Arkell - v - Pressdram.

 

Regards.

 

Van

 

P.S. Don't let pd know I quoted a naughty expression in full!

 

P.P.S. Needn't bother: Big Brother BBCd it. I don't normally use the vulgar tongue in English (but see my Chilean colloquialisms on pd's site referred to above!) though in this case I believe its use essential to appreciate the acerbic reply.

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Well, I've done the 12+2 as advised on this site and have received no CCA. Arrow: Transcom CBS have still refused to reply to my offer of full and final settlement.

 

By the way, they did buy the debt from Chatham Finance who previously bought it from Colonnial Finance. It's been passed around since 1999.

 

They seem to be ignoring me. I can get no information from them at all. Is it worth sending the full and final settlement offer again by recorded delivery and insisting that they reply within 7 days, or I will take it as a refusal to accept my offer of payment?

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I want to find a way of settling this account. I'm quite willing to pay if they can prove that they own the debt, and I'm quite willing to give them a full and final settlement if they will negotiate with me.

 

I'm not happy to just stop payment and ignore it because it could all start again in a few months time and its still hanging over my head.

 

I just get so annoyed that they are ignoring me and fobbing me off with promises of sorting out a solution. Nothing happens. They just leave me hanging and whatever I say, they ignore.

 

I do suffer from clinical depression and asthma and this is making me ill. They are aware of this because I had a major asthma attack while talking to one of their so called managers on the phone.

 

How can I push them into giving me answers?

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Hi Shonk

 

The first thing that strikes me is that the alleged debt might be statute barred which could account for the problem.

 

It's obviously been passed from hand to hand over the last eight years or so (probably at a decreasing cost for each sale) which again suggests it could be a problem for the DCAs.

 

Suggest you research Arrow/Transcom using Google UK.

 

I think you'll then come to the conclusion they are quite new in the UK and could well be having problems with coming to grips with UK practices.

 

Who was the original creditor - do you in fact know?

 

There is a technique for offering a payment in full and final settlement, but the wording must be very precise and there are others (or links) to guide you.

 

By the way I have sent you a PM.

 

Regards.

 

Van

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