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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
    • Hi, I'm not sure if I'm asking this in the correct forum.   Ill try to be brief   - last October I contacted a h2b company that said I was eligible for up to £200 off every window and door. I agreed to a company to come and quote.   The quote was given, the windows and doors installed. The initial installation was incomplete however the people installing said for them to be paid for their part I needed to sign both a form that said what was left and that they had done their part. This form was actually an agreement to release the funds from the finance company. I disputed this.   Fensa came to inspect my property finding multiple errors (improper sealing) in addition to those I found (chipped and damaged beading, poor finish and damage to an internal door and blind). The company returned to fix the issues Fensa identified.    I compiled a very hefty report and sent to the window company complaints team with pictures showing the faults. They did apologise and have attempted to remedy some of the issue.   I asked for a price breakdown in December to check exactly what each item cost. This was done as I had agreed to have sills in addition to the windows and i received capping boards instead (i didnt need capping boards).   The price breakdown shows no indication of any saving made as promised by the h2b company. When i highlighted this to the window company they said what they had provided was all they were giving me. I complained again and was given an explanation stating that they gave me a different saving that was larger than would have been offered by the h2b company in the first place. This was not indicated to me at point of sale.   Being that it has been a year I am wondering if I should contact the financial ombudsman about this. I feel as though I have been miss old this product and the company has been dishonest and unhelpful.   Any advice would be great.
    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi, I'm new to this site.

My wife recently received a PCN by post, she allegedly overstayed in a 'up to 75 minutes free' carpark by 16minutes.

£150 (75 if paid within 14days) is a lot of money, considering that they didn't lose income.

I read through these threads, and decided not to respond.

But today we received a letter from LCS Civil Enforcement (tradding style of 1st locate (UK) ltd.). They launching a utility investigation on the address asking the owner/occupier loads of questions. Somehow I feel I don't have to reply, but I'm not sure, becasue I've never come across any of this being mentioned on this forum.

 

Could anyone provide me iformation or guidance on this matter?

 

It'd be greatly appreciated.

 

THX

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this is interesting.

 

have you contacted them at all during this process ?

 

please scan the the 'utility investigation' letter (or digital photo).

and post it up. remove and details which identify you though.

 

are you sure this is related to the PPC issue - LCS have been known to chase up issues for Scottish Power, albeit bogusly on occasion.

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OK first off was the car park a Council car park or a private car park (ie super market type etc).

 

It sounds like it may be a private car park from hearing tha LCS are involved, if so you have nothing to worry about.

 

Utility investigation for a car parking issue (I won't use the word offence or violation because if it is private car park you haven't committed an offence per se) sounds like a new 'scare' tactic a bit like Perky from CPS demanding a copy of the insurance document on another thread, like Perky these lot (LCS) can ask for what they want but that doesn't mean you have to respond or tell them anything.

 

Please post back advising if it was a private car park and we will tell you what to do next.

 

Mossycat

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It was a privatly owned car park, I guess (KFC restaurant in Sheffield).

The most disgusting thing about it, we were customers and having our meals inside - for goodness' sake- not for 75 mins, but 91mins...

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OK forget photo's you don't need them. What you have got is an invoice, nothing more nothing less. It is NOT a fine.

 

I assume parking was free in that car park, if so they have NO claim against you, if there was a fee to park then their claim is limited against you to the amount of the parking fee.

 

You have 2 choices

 

1) Ignore everything and they will eventaully go away

 

2) Respond with the template letter that Bernie The Bolt drafted (you will find it in the stickies), after that ignore everything else

 

I would personally go with the second option because at least then you have responded and in the highly unlikely event (less than 1%) that they are stupid enough to take you to Court you can demonstrate that you tried to resolve this matter (by pointing out to them that they were not entitled to a penny).

 

Expect quite a lot of threatening letters mentioning CCJ's, your credit rating, baliffs, the fact they will sell your daughter into slavery etc etc etc, they are all scare tactics designed to pressure you into paying.

 

DO NOT pay, if you need further reassurances later just post back as and when, in the meantime read other threads you will see that PPC's do not stand a chance (even when they go to Court, as in Perky :) )

 

Mossycat

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Hi, I'm new to this site.

My wife recently received a PCN by post, she allegedly overstayed in a 'up to 75 minutes free' carpark by 16minutes.

£150 (75 if paid within 14days) is a lot of money, considering that they didn't lose income.

I read through these threads, and decided not to respond.

But today we received a letter from LCS Civil Enforcement (tradding style of 1st locate (UK) ltd.). They launching a utility investigation on the address asking the owner/occupier loads of questions. Somehow I feel I don't have to reply, but I'm not sure, becasue I've never come across any of this being mentioned on this forum.

 

Could anyone provide me iformation or guidance on this matter?

 

It'd be greatly appreciated.

 

THX

 

There is no requirement whatsoever to respond to these questions.

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Thanks for that.

their Enforcement notice is a joke. See Fraud Act 2006 section 2.

 

Their utility investigation - very suspicious indeed. e.g. No mention of the client.

they are just trying to reel you in.

I would ignore the utility inquiry letter completely. But keep it safe. they may be crazy enough to issue Court papers. if they do they are stuffed (by both pieces of paper) in my view.

 

in the meantime I would photocopy the UI letter and send a copy to each of your utility suppliers (the Customer Services director at each) demanding to know what is going on, what investigation, you know of no issues etc.

Ask for confirmation of the issue or a clear and unambiguous denial from each supplier. Even include an SAE for their response maybe.

Edited by lamma
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make sure you ask each and every utility supplier if there is an investigation against your name OR your address. cover all the bases. insist (nicely) on clear written answers and in a timely fashion.

if there has been switching of utility suppliers write to the past ones as well the present.

 

It may be some billing system error on the part of a utility - but we just don't know.

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make sure you ask each and every utility supplier if there is an investigation against your name OR your address. cover all the bases. insist (nicely) on clear written answers and in a timely fashion.

if there has been switching of utility suppliers write to the past ones as well the present.

 

It may be some billing system error on the part of a utility - but we just don't know.

 

 

thx.

only one thing I know for sure: we are living on the present address for over a year, didn't switch supplier and paid every time, on time.

 

so, I guess this isn't related to the parking [problem]...is it?

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I agree with lamma, get onto your utility companies and enclose a copy of the letter you received, that should stir up a hornets nest. Don't whatever you do send them any payment and NEVER telphone them.

best regards

Please remember our troops, fighting and dying in our name. God protect them.

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