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    • Thanks everyone. Will speak with the manager first chance I get later today and let you know.
    • own topic created  tnx the info. dx  
    • this debt: MBNA Bank of Scotland Card debt- LInk got a CCJ - now want payment review - MBNA - Consumer Action Group and a barclaycard loan - did you ever send the a CCA in all these years.....when was it taken out?    
    • Welcome to the Forum. The PCN must be subject to Bye laws as the warning near the bottom of the PCN does not comply with the protection of Freedoms Act 2012 Schedule 4 Under Section 9 [2][f[] of the Act it should say: (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver ,the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Their version states they are pursuing you as the driver [because of the Bye laws they cannot transfer the liability from the driver to the keeper] even though you are the keeper. Should it go to Court Judges do not accept that the driver and the keeper are the same person. Obviously on many occasions another member of the family may be driving instead of the keeper. Indeed anyone with a valid motor insurance policy is able to drive your car. if any of the three cars were not driven by the keeper they are not liable to pay the PCN only the driver is.  as long as they do not divulge who was driving those lovely people at Alliance haven't a hope of winning against them in Court. What a shame. However while those keepers who were not driving are in the clear all is not lost for the other keeper drivers. Alliance still have to prove who was driving which is difficult providing those keepers do not appeal.  It is quite often that on appeal the keeper may say "I entered the car park at....."  immediately giving away that they were the driver. Plus even if you appeal it won't be accepted as a] they lose £100 straight away and b] mostly all the major car parking companies are dishonest scrotes. In the meantime you will be on the receiving end of threatening letters from Alliance, unregulated debt collectors and fifth, sixth or even lower rated solicitors all trying to frighten the life out of you to cough up. They can all be safely ignored since if you don't contact any of them they don't know who was driving so have no information that the can use in Court to identify the driver. Some time in the future they may send you a Letter of Claim which must not be ignored. Just let us know and we will advise a suitable snotty letter to send them which will show that you are not afraid of them and are happy to turn up in court knowing that you will win. Sorry it was a bit long winded.  
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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Halifax Collections


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Hi all. I have an old account with halifax that has a £1400 overdraft on it from when it was a student account. I recently went overdrawn by £60, and made a payment towards it of £20.

 

The collections agent that phoned me said if i paid the rest off by the 2nd October then the calls would stop, however, they added a further £48 in charges, which means I'm now £90 over my overdraft.

 

They call my house numerous times every day while i'm at work, and even though my parents have told them not to phone and to put any issues in writing, they still phone.

I phoned the Halifax last night and was told that the collections department close at 8pm, even though i get calls up til 9pm most nights, and more phonecalls early on saturday and sunday mornings. I have spoken to them and stated that I'll clear it as soon as I can but they don't listen.

Is there anything I can do, (other than paying the arrears) to get them to stop phoning? It's more than just annoying, it's now harrassment

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Dont worry about it WH

 

There are people hear that will help you.

 

Come back if you need ny more help.

 

HAK

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Thanks. I hate the fact that they are rude and even when my dad spoke to them asking them not to phone but to put anything in writing, they just repeat the same thing over and over again. I can't speak to the branch, since they don't have any near where I work and they won't stop phoning even when I tell them I'll make a payment asap. why should they dictate that they are more important than other companies I owe money to?

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There are a couple of other things you can do. Either get call barring or ask your telephone supplier to give you a new phone number on the basis that you are being harassed. They will often be able to change it that same day. There is no legal requirement for Halifax to be able to get in touch with you by phone. Halifax have actually been prosecuted for telephone harassment in the recent past.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Forgot to say if there are charges on this account you can claim those back as they are unlawful. I would however open another account with a different bank depending on how much the charges are (not Bank of Scotland as they are part of the same group) while you are disputing the charges.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have already claimed back charges successfully on this account, and they've gone on to add more charges (£56 so far)

I can't change the number as it's not my phone but I think the best thing will be just to pay it next week when i can afford it. It doesn't stop the nasty phonecalls that they make day and night :mad:

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Hi wildheart, IMO you should not have to pay their penalty charges! And all you should say on the phone, if you are unable to change the number is for them to put it in writing. they are intimidating you and it is working. Request that they refund your charges IN WRITING, requset that they do not contact you by telephone IN WRITING, and please please do not let them get to you!

Good luck Red

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If your parents have a BT phone you could use the 'Choose to Refuse' service which can bar just certain numbers from calling. You can't really take a complaint re harrasment any further until you have made a complaint in writing to the company concerened. Send recorded delivery & keep a copy and if you get no response or an unsatisfactory response you could contact your local trading standards or the OFT ( as they would be in breach of OFT debt collection guidance re ignoring your legitimate wishes as to how & when tobe contacted ).

 

It's not a quick process though so you may want to suggest to your parents that they simply put the phone down...

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Thanks for all your help everyone. I sent a letter to halifax at the weekend telling them that I will only deal with them in writing, as their collections team are now harrassing me and my family daily for less than £100.

I've also got a letter ready to send asking for the further charges they've put on the account to be refuned, so i'll see what kind of reaction I get from them this time.

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Also I would advise that you get in touch with your local trading standards and the office of fair trading, as you certainly sound as though you are being hassled.

This is probably due to the fact that you have paid them in the recent past and therefore they see you as someone who will pay as long as they hassle you.

I really do think that you need to be strong, and fight.

Let us know if we can be of any further help. I think that HAK posted some advice about telephone harrassment, and although it is not instaneous, you should start to see some benefits over the next few weeks.

Red

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I must admit, i think they are only being like this because they refunded my charges recently. I was persuaded to change my account to one of those "rewards" account which come with extra benefits, but i didn't realise it was £10 a month. this was added on for a couple of months without me realising it, and i went overdrawn.

I'll pay the arrears off next week when i get paid again but they're not happy with that, they wanted money by the 2nd oct which i didn't have, so they've phoned on average 4 times a day, every day for the past 3 weeks, i think it is time to get tough and stand my ground with them

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No i've tried to cancel this type of account and put it down to one that's "free" but apparently i can't do this over the phone and need to go into the branch to do it. I don't use the account and haven't for a while, and hopefully I can start repaying the overdraft on it soon.

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Also I would advise that you get in touch with your local trading standards and the office of fair trading, as you certainly sound as though you are being hassled.

 

 

you could contact your local trading standards or the OFT ( as they would be in breach of OFT debt collection guidance re ignoring your legitimate wishes as to how & when tobe contacted ).

 

Great minds...! :)

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Hi wild heart and welcome to CAG.

 

I would send them a letter quoting your acc number saying that you no long wish to have this account as the benefits account that you have and you want a 'free' account.

 

I keep getting letters from lloydstsb about upgrading my account to one with benefits but i keep refusing to accept the new account.

 

Make sure you send that letter buy a tracable delivery so if they say they never recieved it then you can prove them wrong. I would claim these charges back that the are putting against the account as they have obviously settled with you before so they have admitted they are in the wrong.

 

Good luck and keep us informed

 

The GodMother.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Natwest persuaded my son to have an account of this type in a similar situation

 

I asked them if the advice that was offered was in his best interest or was it in the bank's / employee's interest?

 

They quite quicly decided that he had not been advised properly and that they would change the account back and refund the charges

 

Grumpy

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If they are still phoning & you want to get rid of them, get a sipgate phone number (free), set up the answer phone then tell the bank that you have a new number - repeat the message if you have to

 

Then sit back and watch as all the calls are logged. Any messages are saved as mp3s.

 

You can call the answering service number and change the recorded message

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  • 1 year later...

Hi,

 

I am in exactly the same position and just wanted to know to what address do you send the letter claiming back past charges. Is it to your branch, head office or collections?

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