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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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12 days up for lowell


Dorabell
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hi all just a update lowells 12 days was up today have not heard a thing whats the next step :o thanks marjie06

Just an update to what ?

 

Have you an existing thread dealing with lowells ? If so you should use that to update on :) That way people trying to help you can see exactly where you are upto and what steps you have taken. It also makes it easier for yourself :)

 

 

saint

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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  • 2 weeks later...

hi all reqested a cca from lowell on the 7th february there 12days was up on the 25th still no cca just received a text message from BT to ring them asp any body received one of these texts before:mad:

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hi all can some one please point me in the right direction for the letter to send to lowell to stop them arrassing me by telephone i have had about 3 in the last hour still no cca:mad: thanks

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Hi all i wrote to capital one requested a cca on the 6th february this is what they have sent me advice would most appriciated thankyou:) i will post the documents up

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Here you go Marjie:

 

Your Street

Town

City

Postcode

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

 

Dear Sirs

Harassment by telephone

 

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully,

 

 

[NAME HERE]

 

If you've send the CCA request and they've sent nothing then sit tight. The ball's in their court, not yours. Send the harrassment letter and forget about it until they come up with something actionable. They won't.

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If that's all you got it's a 'no' from me:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I notice on the CAP 1 letter they refer to 'the document' that they didn't need to send, (Oh really).

 

Are they going out of their way not to call it 'the agreement', or am I just being suspicious of their motives?

 

David

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This is wholly unenforceable

 

They do not even make an attempt to refer to the T and C's in the signature document (for example: "for interest rate see scetion 186.1(a)")

 

Though even if it did it would still be unenforceable, the case of Wilson v Hurstanger at Civil Court of Appeal held that the prescribed terms must be found in the signature document and cannot be found in a seperate document/leaflet

 

They are up the creek without the wooden movement type thingy

 

Good case here for all interest back

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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The non complicace letter i posted on your droyds thread would be fine.

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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As you may have learned from this forum they are quite easily dispatched, even if my third one did need TS:p

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

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You can stop those texts by ringing this number 0800 587 5252.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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HI ALL A UPDATE WITH CAPITAL ONE I HAVE RECEIVED A PHONE CALL OF A VERY URBRUT WORMEN SAYING I NEED TO PHONE CAPITAL ONE URGENTLEY 9 TILL 7 MONDAY TO FRIDAY I PERSUME THEY HAVE RECIEVED MY SECOND REQUEST LETTER ANY ADVICE PLEASE:mad:

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Yes, DON'T PHONE THEM!!!!!

 

You've written to them and they have to respond in writing. :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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hi all a update on our freinds in leeds:lol: received this letter today, still no reply to my request for a copy of a cca i will post it up, any advice on a letter to send next please your advice would be much appriciated :) thanks

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