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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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re: barclaycard goodwill gesture


antz99
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Hi Antz,

 

Carefully adapt the following letter (courtesy of CurlyBen) to reflect your own case.

 

Edit - see new letter below

Edited by slick132
rethink

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thanks slick and hope you are well...

 

I have drafted a letter that is very similar to this and I believe this is the correct action.

 

I obviously do not owe anything but intended to CCA Bc for the default markers which we have earlier discussed, so Omitting certain parts of this letter as you said is needed. Is there anything that you feel in your opinion that I could include to it for my situation.

 

thanks

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You may take some of this and weave it into your letter but make sure it makes overall sense.

 

Edit - see new letter below at post #32

 

 

If you're not sure how it looks, I can post the whole of the 2nd letter if you haven't seen it elsewhere.

Edited by slick132
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Hi Antz,

 

No probs - I've got to go out now but will sort this for you tonight or tomorrow. Hang on till then. ;-)

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This should do for you, but check it through and amend to suit your own case as necessary. It focuses on the area of defaults and removal thereof.

 

Dear Sir/Madam,

FORMAL COMPLAINT

Account No: xxxx xxxx xxxx xxxx

 

On the **DATE** I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you enter into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

You have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested.

 

Please note you may consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’. You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

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  • 4 weeks later...

Hi everyone

 

sent the letter that slick helped me put together above special delivery on the 26/08/08

 

so was received on the 27/08/08 still not had a response from BC they are ever so close to the deadline .If they think I will just go away they are very much wrong

 

I am reading alphageeks thread and am pleased for the result that he has got, would really like if possible to have some assistance from alphageek and obviously as ever the wonderful slick.

 

thanks Guys

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Hi Antz,

 

BC and all the other financial institutions tend to ignore deadlines unless there are serious consequences - even then, they don't tend to act with any great urgency.

 

Getting Defaults removed is a long and slow process and you need to research the subject here to see what your next moves should be - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

Read threads and go through the Stickies at the top of the forum looking for threads that you think are likely to be off help to you. :)

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Hi alphageek,

 

thanks for the reply..

 

I did not apply online, applied in 2003 at a very small and horrible branch near to where I live :)

 

IN your opinion What do you feel I SHOULD do now as they received my special delivery on the 28th August 2008 which I have seen on the PO website that they have signed for this was my second reminder letter about them sending the CCA as you can see above that Slick helped me put together.

 

It gave them 14 days which they are very close to now.

 

I believe they obv do not have a CCA for me on file and are trying to ignore my requests and believe I will just go away.

 

thanks for your help

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thanks Slick will read through the Threads..

 

Are you telling me B/C can just simply ignore my requests for a CCA.. do they do have to supply me with one when asked?

 

Its all a bit strange as to why they have not sent it out to me ?

 

AAntz

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They DO have to comply with your request.

 

However, the reality is that there are no serious consequences if they fail to comply promptly and they take advantage of this by responding slowly.

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Oh Ok my bad was a bit confused

 

as always...... very helpful

 

So you think I am just playing a waiting game with B/C now? I know I could write to the obudsman but they will take even longer wont they to act.

 

I will not just give up.. will have to decide my course of action.

 

In your opinion what do you think are my options

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Hi Fiesty

 

Ye still waiting for my CCA from B/c they have are down to their last few days :rolleyes: ..

 

In regard to Why?... I am seeing what comes up and what they can produce? I will debate about PPI and also missed payment credit markers which mounted up as they kept applying late payment charges which escalated and had a domino effect as I was constantly chasing my tail.

 

IT caused me some serious hardship the past few years.. They paid me all these back though which I guess is good.

 

have you claimed back any charges from B/C

 

Antz

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If you're determined to see this through, BC will respond, sooner or later.

 

However, don't be too fixated with these deadlines. Let the deadline pass, give them a few days extra and THEN decide on your next move.

 

If they don't reply, you can write to them enclosing copies of your earlier letters, demand a full response within 7 days or you'll report the matter to the FOS.

 

Just trying to save you from stalking the postman every day !! ;)

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sorry pressed enter by mistake ooppsss

 

You were right Slick left it to the last minute ..

 

As I thought they would from reading threads on this site .. they have sent me three pieces of paper one saying

 

barclaycard conditions

 

financial and related conditions

 

barclaycard credit agreement

 

SO NO ACTUAL CREDIT AGREEMENT FOR ME !!!

 

The covering letter states they have included

 

+ A COPY OF YOUR ORIGINAL BARCLAYCARD AGREEMENT AT TIME YOU ENTERED INTO YOUR AGREEMENT

 

AND

 

A COPY OF YOUR CURRENT BARCLAYCARD AGREEMENT

 

I have not received any of this just copies of their terms and coditions hmmmmmm

 

 

It does say at the end you will be receiving your next statement shortly(that is not my credit agreement )

 

WHY HAVE THEY NOT INCLUDED THE ACTUAL AGREEMENT

 

Have they got it !!!! ;)

 

ANTZ

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do the site team feel it will help to get some more opinions if I move my thread to another topic ? maybe legal section ?

 

If so can you move it?

 

Would like some opinions thanks guys as always

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Hi Antz,

 

So what exactly did they send under the third heading "BC credit agreement"

 

Your thread is just fine here I think.

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absolutely nothing :rolleyes:

 

Do you think the clever people at B.C forgot to put it in......

 

OR

 

Has B/c not got one and thought they would just try and say it was included???

 

whats your opinion ?

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absolutely nothing :rolleyes:

 

Do you think the clever people at B.C forgot to put it in......

 

OR

 

Has B/c not got one and thought they would just try and say it was included???

 

whats your opinion ?

 

 

Write back and tell them it was not enclosed & give them 7 days to respond oy you'll complain to the ICO

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