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    • What you've just written complicates things. No, the snotty letter now needs to be changed so don't rush and send something off just yet. We see you've done your reading up - well done - so you'll have seen we have several cases with our mate Kev.  His MO is to hide signs in the undergrowth where no-one will see them, and ignore consideration & grace periods, so he can issue his invoices.  His antics mean that motorists are legally in the right not to pay his invoices.  And so far he hasn't had the bottle to do court. However, your case is different.  As much as we despise Kev, you didn't pay for the private car park that Kev "manages" but instead gave the money to a completely different car park run by the council.  In that case Kev does have the right to be miffed.  I've just a mock booking for Sea View car park on JustPark and it works no problem. I think you have two decisions to make. 1.  Do you want to do a chargeback with your bank to get back the £60 you paid?  I did a chargeback about a year ago for the first time, i didn't have a clue what to do, but the regulars here guided me and everything was painless. 2.  Although you are probably legally in the wrong and may have outed yourself as the driver do you want to refuse to pay Kev for the other two?  If Kev won't do court then after all his bluster you'll be in the clear. However, as there are two tickets involved (potentially three if you go for chargeback) Kev's geed might win over his lack of backbone and he may go for court. There's no easy solution.  Your choice.  We will of course support you all the way with what you decide.
    • Ok thanx  I keeping coming across this term “ holding defence”. Can someone explain what this is. Thanx. 
    • Thank you @lookinforinfo and @FTMDave.  The car park I paid for by mistake instead of this one was Cornwall council, not Alliance. Will the letter still be ok in this instance? Thank you so much again for your help. When you open the Just Park app in the  Alliance car park (Sea View) the first car park that comes up is Polzeath Beach. Both car parks are on the beach. The signs do not give a code for 'Sea View' anywhere. I also have not been able to find the landowner to complain. (not on land registry.) Please confirm whether above letter is ok to send, thanks again.
    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
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Top Shop + Card protection


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Long story short

 

Partner had said card for about 7 years or so then we moved house having cleared the card it was cut up and thrown out.

 

We have today received a bill for £75 for 3 years of payment protection plan that we dont want.

 

She called up and they have after much arguing agreed to reduce it to £30 (very big of them) I have hit the roof we are incredibly hard up and £30 is a lot of money at the moment and I dont see why we should be blackmailed into buying something we dont want and have no use for.

 

Any ideas on this?

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if u dont have the card then u dont have to pay it as far as i know. Have you recieved any letters or statements, Except final statement, from them since disposing of the card?

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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Thanks I will do so.

 

My partner called Top shop up they washed their hands of it and pointed her at the insurance company, she called them up and they said the £70 was for 3 years insurance that they take out at once (what a rip off) and that they would not refund it but that they would reduce it to £30 for one year as a gesture of goodwill.

 

Now I was thinking if they did this it would restart the policy as we have never had any documents and surely then we would be entitled to cancel it under the distance selling regs or if not we be due a cooling off period anyway would that work?

 

I am not sure what approach to take with it as it is a Top Shop store card but they are saying its not a debt owed to them you need to go to the insurance company which sounds really really dodgy to me :(

Up till last week we haven't heard a dicky bird from them, we moved in January and the card was cut up and the balance cleared a long long time before then

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I would contact the insurance company and inform them u are not paying as uyou dont have the card.

 

If you can i would also get some type of written confirmation from Top shop store card to say the debt is cleard and that you no longer have an account with them. they cant collect on a account which is not active.

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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The trouble is the insurance company have already been paid from the top shop card and now the finance co wants that money paid.

 

The whole thing is a bloomin mess, the card protection thing is one of these cover all your cards policy so don't know if that changes anything but we STILL havent had any paperwork through even after speaking to them

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jsut tell me u dont want it and it was cancelled when u cancelled the top shop card.

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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Apparently the paperwork came today so i'll have a look go thru it and see what happens either way its not getting paid so they can take us to court and see what it gets them

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what paperwork would that be?

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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yep maybe it ould also be a good idea for u to cca the insurance company.

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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