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    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
    • sorry here is the invoice back up, there were several 3.45Mb single page uploads that had exceeded the 4.8MB limit for upload     Dongara marine pty invoice.pdf
    • A great truth in that article HB, the test & trace is a shambles, and Wales bought into that system, when they culd have set up their own like the county of ceredigion did, that has kept it under control.  There is rising unrest and derision and much verbal tolchocking of Drakeford on social media. he also banned halloween, so expect a children's rebellion on October 31st, some are already saying they will dress up and go out regardless, don't think police would look good trying to fine some 10 11 and 12 year olds £1,000  for breaching lockdown, press would be all over it.
    • Good evening.  Just discovered this forum and would like to ask for some help.  I got defaulted credit card acount from Lloyds since Dec2016 and repaying £5 a month to Cabot Financial. (still owing £5085) Also got defaulted credit card from HSBC since Nov 2016 (owing £3889) repaying £5 to Moorcroft debt coll company plus defaulted overdraft HBSC acount since Aug 2017(owing £389) paying £5 a month to Moorcroft.  My situation worsen due to pandemic and my current Lloyds acount is overdrawn by £5000 and is now with Lloyds collection department. All fees and interest been frozen at the moment.  I opened another account so they can't collect any of my income at the moment (it's only Universal Credit at the moment which barely covers my priority bills).  May I ask for some advise what should I do if Lloyds will sell my new debt to debt collection company.?  Sorry for a chaotic letter but english is not my first language. Also I don't fully understand how the english law works so not sure what decisions are wise to make.  I can't find any solution to this situation and it causing me a lot of stress and can't see any light at the end of that tunnel. Me and my wife are trying to get out of this situation somehow but we are really struggling.  Any advise would be greatly appreciated.  E.     
    • They are bailiff s not debt collectors can you scan one of  the letters to pdf please read upload carefully 
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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.
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      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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Does anyone know if this is a valid CCA?

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You can reclaim the penalty charges from whoever added them to the a/c when it was "out of order" - I assume this is HBOS.


You mention that DCA's may have added charges - this is a different matter. Can you clarify exactly what you mean here.

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You can reclaim all unlawful debits, not just the charges. If the charges were added to total debt, they will have added interets to the charges- this interest can also be reclaimed to reduce the "debt"


Same applies to missold PPI charges- if the premiums were added to the total debt, interest will have been added on them as well.


Interestingly, doing this could make the whole thing unenforceable, as the interest applied would not be as stated in the prescribed terms.


The prescribed terms may indeed be on the CCA, but if they are incorrect, particularly if this is because of miss selling (for that read "deceptive selling") the agreement is fatally flawed and they could be piddling in the wind.


And of course, any interest or charges added since the account was terminated is unenforceable anyway.

Edited by noomill060
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Im going down the...


"Interestingly, doing this could make the whole thing unenforceable, as the interest applied would not be as stated in the prescribed terms."


..route with Goldfish soon. :D


They are going to love me- I crucified them by claiming back my charges and contractual interest and also got county court interest at the contractual rate as well.


Total charges £595.


I was awarded a CCJ against them for a few coppers short of £2000.

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Hi, and thanks for your replies.

The charges I refer to were actually added on by blair, oliver and scott. There may be hidden charges too, but it's quite difficult to tell, because the statement of payments was just a printout from a computer. I had thought it would be more like a bank statement, but there you go.

The PPI was added to the loan, so every month I'll have probably paid interest on the loan, on the PPI and a very tiny amount towards the money I borrowed!

I know it's hard to see on the scanned photo, but basically:



INTEREST: £1206.96

TOTAL AMOUNT: £2736.72

Paid in 84 monthly installments of £32.58


APR 18.9% It doesn't state whether that includes the PPI or not. I also elected to have my cheque delivered by courier and that cost £40 - but I needed the money in a hurry!


I will have to work out these sums when I get home from work - I never was very good at working out percentages on a calculator!


Thanks for your help, and good luck with Goldfish! Let us know how you get on?



:o You can't give a baby booze! :o

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Hi Gin and Milk,

Re: the ppi, its worth going down the FOS route, this is what my OH has done and altho they said it was a goodwill gesture they are willing to refund, we are having a little discussion along the lines of Noomill's posts as FOS keep saying that BOS are allowed to make up a new loan which will be advantageous to him but he has said he does not trust them because the figures they have come up with are very vague, one good thing is that the harassment has stopped due to the FOS involvement.

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Thanks for those replies - I'll do that.

As I've said earlier, I know the amount is small, but at one time these people really, really frightened me - and they knew it.


No more Mrs Nice person now though - the gloves are off!!!

:o You can't give a baby booze! :o

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Ooh, very witty - can't stand milk to be honest!!


So, are you saying that you put gin in your tea?



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  • 2 weeks later...

Could someone please help me work out the percentage (apr) rates that are listed on the 'cca' that i scanned earlier in this post? i never was very good with numbers and i just don't know how to work out whether the apr includes the ppi (or even the £40 i paid to have my cheque delivered by courier).

My head is spinning!

:o You can't give a baby booze! :o

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So, are you saying that you put gin in your tea?



No, I pour it on my cornflakes. At the moment I'm going through 4 large boxes of cornflakes a day. Some may say I'm an alcoholic, but actually i'm comfort eating! :grin:

:o You can't give a baby booze! :o

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