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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Bank account and credit card - all in one?


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Hi could anyone give me some advice. Have been reading all the threads and FAQs and really can't find an answer to this!! I want to claim for my bank charges and CC charges simultaniously and was wondering whether I could send one letter with bank and CC numbers on (and one cheque for £10) or if i should send 2 separate letters (with two cheques)...

 

Seems I will be sending them both to Trinty Road (Sarah Briggs...) so feels abit crazy to send 2 but if that ness then so be it!

 

Thanks lots - this site is fantastic and think I might have about a grand to claim so shall def donate :)

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As far as I'm aware you should treat the accounts as unconnected and issue two letters. Halifax will likely be as awkward as possible so if you don't they'll probably use the dodgy argument of 'different companies.'

 

Also, you should set up a parachute account if you haven't already done so. On my CC default letter they say "If the terms and conditions of your account allow, we may also transfer money from any other accounts you have with us to reduce the debt outstanding." Like with the charges, this may not be legal, but that won't stop them and it would be rather inconvenient!

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Sorry halidebt you are wrong! as long as both accounts are with the same bank you only need one SAR - (Subject Access Request) letter with both account numbers on and one £10 fee! hope this clears things up?:)

 

I agree, then when you go further towards court, because you have one letter from Halifax you can use it to claim in one action.

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  • 2 months later...

Hey all, seems like i have been away a long time.

Have been following other stories with interest but has all been quite straightforward with my accounts til now...

 

Was initially offered poxy payment of about £100 which accepted as part payment. Filed against them with Moneyclaim claiming:

 

£604 charges (both accounts together)

 

£222.66 interest

 

£75.51 in 8% interest

 

 

Have now been sent a letter from Halifax without admission of liability offering £494 in charges and £222.64 in interest, with a paragraph stating

 

"The Halifax does not consider that you are entitled to the further £195.51" that you are claiming. Unless you can provide evidence of this further loss the Halifax will file a defence in respect to this part of the claim"

 

Is this normal??

 

Have only used the spreadsheets from here and am fairly (very!) sure my figures are correct. Am wondering whether I should accept this but am inclined to think that should continue????

 

ANY ADVICE PLEASE!!

Has this happened to anybody else?

 

Thanks all for reading - any opinions gratefully received :eek::eek:

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Hello, wstill wondering if anyone has any advice on the above query?

 

:confused::confused::confused:

 

Has this happened to anybody where they offer part of what you are claiming after the court stage?? :|

 

Sorry to harass :oops: but am a little confused/concerned! :-o

 

Thanks Soph

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Did you send halifax a copy of your spreadsheet? If you did i would ask them to send you a copy of the charges that they have worked out and look to see how they differ from yours. Stress to them that you will not be withdrawing your claim till you have received the full amount or have received proof that the revised amount is correct.

 

Hope this helps you out, good luck

alexthekid

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Could you just clarify things for me...

 

£604 charges (both accounts together)

 

£222.66 interest - is this overdraft interest that was caused solely by those charges? This seems to be very high in relation to the level of charges.

£75.51 in 8% interest

..

.

 

Opinions given herein are made informally by myself 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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