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    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
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Halifax - interest unfrozen- help!


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Thank you Fred.

Can I ask, did you pay them anything at all?

 

Meanwhile this is the letter I recieved from Halifax:

Our current fixed payment arrangement guidelines ....

if your offer is less than 1% of the outstanding balance, we will assist you with an informal arrangement with reduced or token payments for up to 6 months on the account. If you financial situation remains unchanged following a review after 6 months, we may refer your account to our recovery team who will assist you with long-term debt repayment solution, with the added benefit of permanent suspension of interest. This involves the registration of a default and enables the payments you make to directly reduce the outstanding debt.

If your offer exceeds 1% of the outstanding balance or £10 whichever is greater, we will assist you with a formal arrangement with reduced repayments for 12 months on the account. Only one formal arrangment is permited in the lifetime of each account, therefore the maximum time permitted with no interestapplied is 12 months.

 

I just received last stament. Interest for last month £187.93; next month estimated £ 161.21.

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Thank you Fred.

Can I ask, did you pay them anything at all?

 

Meanwhile this is the letter I recieved from Halifax:

Our current fixed payment arrangement guidelines ....

if your offer is less than 1% of the outstanding balance, we will assist you with an informal arrangement with reduced or token payments for up to 6 months on the account. If you financial situation remains unchanged following a review after 6 months, we may refer your account to our recovery team who will assist you with long-term debt repayment solution, with the added benefit of permanent suspension of interest. This involves the registration of a default and enables the payments you make to directly reduce the outstanding debt.

If your offer exceeds 1% of the outstanding balance or £10 whichever is greater, we will assist you with a formal arrangement with reduced repayments for 12 months on the account. Only one formal arrangment is permited in the lifetime of each account, therefore the maximum time permitted with no interestapplied is 12 months.

 

I just received last stament. Interest for last month £187.93; next month estimated £ 161.21.

 

Flower, I haven't paid them anything since December last year. As far as I'm concerned the account is in dispute. Oddly enough, It was the Halifax and their attempts to raise my payments, which made me pull out of a debt management plan and go it alone. I couldn't do anything at all while I was paying things through the CCCS and I was so frustrated about it that I cancelled the plan and stopped paying certain creditors - those who couldn't provide properly-executed agreements.

 

It's ironic then, that if the Halifax had not pushed me in this way I would probably still be paying them. As it is now they can shove it where the sun don't shine. What I can tell you however, is that I was in a debt management plan for 2 years with the CCCS and during that time, I did not increase my payments, nor did Halifax charge me any interest. They can stop it if they wish, but they are just trying to put the pressure on.

 

Here's the letter I mentioned earlier:

Slide1-7.jpg

Slide2-6.jpg

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I looked through a few websites on debt management and sent them a letter (below)yesterday by recorded delivery together with my financial statement. They keep ringing me on my mobile and work number but I said that I will record conversation if they ring at work one more time and they stopped. If they are not going accept this offer I will stop my payments and invite themto take me to court. Full Stop!!!

Senior Collections Manager

Halifax HBOS Plc

PO Box 607

Trinity Road

Halifax

HX1 2RG

Reference Account 0000000000

I am writing to you to inform that my financial situation has changed. I enclosed the Personal Budget sheet for your attention.

I am sorry that you feel unable to accept the offer of temporary reduced payments to my account. I am also sorry that you feel unable to suspend the interest charges on the above account.

I find it unreasonable that you feel it necessary to threaten me that you will apply additional charges to the account, and I would point out that this will not assist me in my present financial difficulties, and can only serve to increase my total debt and make the situation worse.

The majority of my other creditors have indicated their agreement to the offer made to them, subject to the sight of my financial Budget Statement, and also agreed to suspend any interest charges still accruing. I have commenced payments to them.

As you are aware, I have already paid considerable sums in interest to my account. If interest charges continue, the monthly instalments I am paying will not even cover that interest. Also, the cooperation of our other creditors who have agreed to freeze interest already would be put at risk.

I cannot offer you more because I can only afford £00.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favour of your company. The offer made to you is on a pro rata basis, as used by the county court.

I have enclosed a copy of my financial Budget Statement prepared by National Debt Line on my behalf, and would therefore be grateful if you would reconsider your decision “not to consider my repayment offer and freeze the interest on the account.” In the light of my other creditors agreeing, please would you reconsider my offer?

I look forward to hearing from you as soon as possible.

Sincerely

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Top tip,

 

If they keep calling you on your mobile, pick up a new sim card (free in lots of places) and inform them of the new number. Take a call from them then ditch the sim card.

 

Ultimately, if you have requested they stop calling you and they continue regardless; keep a log of the call take the name of the operator (get employment role number if possible) and hang up. By keeping the log you can report them to FSA or OFT for breach of contract I believe.

 

In my plight with MBNA, I listed over 40 text messages, nearly 100 calls and a handfull of pretty postcards "all illegal mind-you" in a letter and I had a response back within 3 days, sort of saying sorry.

 

Unfortunately I did miss speaking to them as they are so helpful in the customer services department;) oh how I miss you guys....

 

balloon1435

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Personally, I've only just got to the point where I've made the harassment complaint to them. I've been having a bit of fun with them though - usually just by pressing the answer button on my mobile and leaving them to talk to thin air, or by shouting down the 'phone and pretending to be a bit deaf.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thats the ticket,

 

Dont thing your doing wrong here, you have consumer rights and these muppets need reminding.

 

Keeping an exact log is extremely important.

 

If I could give you something to laugh at, I am now getting letters from MBNA recommending me for a Platinum credit card (I`m a cherished customer now) Mmmm what should I do ?????

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Wow!!! Dolly how did you manage to make them do it for you. I am

hustled over this card you will not imagine how much. Although I sent them all my letters (by recorded delivery) I am still a bit in deep thoughts but determine that they will not get it out of me this time.:eek:

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  • 2 weeks later...

Hi everybody. I am back; sorry for silence – was stack with domestic problems.

Things are moving on.

After my last letter and the offer of £4 as a manageable for me monthly repayment amount I received a letter from Senior Collections Manager stating that they are accepted my offer £40 ( which was the money shared between ALL my creditors). They reviewed my individual circumstances and I am apparently qualified for INFORMAL arrangement but reduced interest rate of 12.69% will be applied to my account anyway. Further more, it says that if by September my circumstances will not change I will be referred to a recovery team who will organise a long-term debt repayment solution with permanently suspended interest.

What a greedy lot!!! First: they haven’t even bothered reading my letter and just saw first amount and went ahead with it. Second: even if I pay £40 a month I will gain another £450 will interest charges by September.

TOUGH!! I am not giving up. I have just written another letter asking them to put their spectacles on and bother to read all of it. I will pay £4 this month but if I receive another statement with the interest charged that will be IT. Full stop and I do not care – they can take me to court.

By the way; about phone calls. My tactic: then they call and ask to confirm my personal information – I say that I am not giving my personal details over the phone to somebody I do not know. Work every time!

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Don't forget to remind them for your CCA too, they seem to be conveniently forgetting this, you are right that they won't read your letter, or will at least ignore it, so why waste the ink or your time, you have done as much as you can ?? I think their reponse is to keep pushing you and they know this. So, why not push them on the CCA request instead, this is the key to you getting control of this situation and establishing how far they can actually go with this ie not to court.

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Harry, am I right in saying that they can't continue to add interest while this is in dispute? - which it will be if they haven't satisfied the CCA request.

Regards.

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi Harry

I will send my letter - giving them a last chance and I guess myself too and if nothing changes I will not bother to waste my ink and CCa will go in next.:rolleyes:

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I don't know if they are supposed to, certainly they are not supposed to chase for payment whilst a balance is in dispute. On all of the different accounts I have dealt with interest has continued and indeed is continuing, obviously I will take this into account if and when I deal with them as they can't enforce the debt no matter how much interest they pile on, this is why the question of the existence of a properly executed CCA is so important.

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