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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Forgottenone/Capone CCA/Default


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Guest forgottenone

Hello. I was keeping a record of their calls, along with all other creditors. I don't and haven't been answering them, however. Purely because there is nothing to discuss on the phone and because I've already instructed them not to. So, to avoid getting into the inevitable discussions ... not answered. There is now a block on my phone line as per my letter above. I read somewhere else this week on another source about dealing with these tactics from DCA's creditors ... and apparently this is okay for me to do this ... eg when it becomes apparent they've ignored your request to stop. Had to do it, or ... well, I don't want to be in hospital again.

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Guest forgottenone

Oh, sorry, yes, they were calling twice a day ... up to three before I blocked them. Oddly, those times seemed to coincide straight after I posted here ... may have been pure random coincidence.

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The reason for asking is that they are actually committing a criminal offence - a possibhle route is to get the directors charged under the Protection from Harassment Act 1997 (ss1&2) and the Communications Act 2003 (s127) backed up by the Administration of Justice Act 1970 (s40). I have posted a thread about it in this forum http://www.consumeractiongroup.co.uk/forum/capital-one/152151-volunteer-wanted.html

 

 

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Guest forgottenone

Yes, saw that, but couldn't reply on it then had to dash out. Back now. I agree entirely about the criminal offense thing. Had witheld numbers today and yesterday ... can't be certain it's a creditor but obviously they don't want me to knoe who is calling. Four so far. Logged them, anyway. I'd be willing, but compared to some I may not have had enough calls eg dozens a day.

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  • 3 weeks later...
Guest forgottenone

The situation currently with Capital One is:

 

Produced an application form which was also forged. Application form confirmed being unenforceable on CAG, but also not what I requested. This is presently being queried eg account in dispute but also the different handwriting, amongst other things. Will shortly, on the advice on someone on CAG, be writing to their customer complaints department.

 

So, until they provide what was requested, still in dispute/default. Ongoing.

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I'd be willing, but compared to some I may not have had enough calls eg dozens a day.
Two or 3 a day where you answered over a period of time would be enough IMHO

 

 

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Guest forgottenone

Right this is the situation here ... right now with Capital One. Healthwise I am detiorating very rapidly ... this week received some potentially devastating news in that direction ... and pretty soonish I am not going to be able to deal, handle or even begin to deal with any DCA's or any creditors. You could say things are worse than bad. So, trying to cope with detiorating health, consequences of previous events is enough really to be contending with. And the fact, if what the outcome of hospital this week is verified ... I may not even be around much longer regardless anyway.

 

Received this from Capital One today ...

 

er.jpg

 

As threads have been merged I will update the situation as follows:

 

1 1st request CCA May; no reply for over a month; gained verbal confirmation from Royal Mail July it was untraceable; postal order remained uncashed

 

2 Left with no choice, as obviously I needed the confirmation as proof they had received it - and to produce later should I need to etc - had to CCA them again

 

3 Received an application form, with forged handwriting

 

4 Wrote explaining this, but also that I didn't recognise the handwriting

 

5 Now received this template letter ... doesn't address any of the issues I raised

 

6 Really have not a clue where or what to do from here. So am looking to more help. The reason I don't have a clue is because I am trying to fight against ill health, also deal with a disability that is destroying me mentally and physically every second of every day. And no one can stop it. And now facing another disaster ... keeps on coming ... never stops ... with whatever comes next after this week ... determining how long I have left to live. Sorry, I know how that sounds but this is what I am coping with right now and have been for over 2 months.

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Guest forgottenone

Well anyway ... another member is having exact same trouble as myself ... except in my case they've entered my date of birth, handwriting ... is forged, and is not mine. Also the rest of the 'form' they've sent is dodgy looking as well. Found this letter on the other thread and would it be applicable to my own situation?

 

Account in serious dispute

 

Dear Sirs,

 

Thank you for your response to my request under the Consumer Credit Act section 78..

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act. Furthermore, the signature on the document doesn’t appear to be genuine and may have been forged in an attempt to mislead me into believing that the agreement is legally enforceable. I hope that you take this matter seriously and fully investigate my complaint as matters arising from such actions would be viewed has criminal.

.

I shall also be considering contacting my MP and all regulatory bodies over your conduct.

 

I except a response within 14 days

 

If I can avoid doing so, even though within my rights to ... I want to avoid words like 'reporting the matter to the police'. And TBH Capital One - as the above letter indicates where it says you are welcome to report this to the FOS but we will still pursue the debt anyway ... don't need to say just shows the contempt for regulations Capital One has. It will just provoke a kneejerk reaction; perhaps.

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Guest forgottenone

Okay, getting really mixed up. Been looking around CAG for anything applicable to this situation ... for reference etc ... came across this as it's the same template reply for the same application form aka 'CCA' ...

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/150236-capital-one.html?highlight=capital+one

 

Just I'm reading a lot about ignoring some letters, but not others ... on lots of other similar threads about Capital One agreements. I know this isn't enforceable for example ... so should I 'ignore' at this stage ... as just getting template letters - that letter sent to me isn't even relevent anyway as the account is already 'closed' defaulted *in as much as the default notice itself was dodgy itself* passed to Debitas ... and refers to adverse credit etc ... if payments aren't made ... so much for Capital One keeping on top of correspondence then - and simply wait for the next stage?

 

Looks like I will be trading template letters for example right now. Just getting really confused as what to do next more than anything. Probably not making much sense right now ... trust me .. it's even worse ... for me to try and make sense of anything, let alone put it into words ... just a losing battle it seems. Things just won't function properly anymore it seems. Just really terrifying TBH. Losing sense of things like this.

 

I will send the letter I pasted above but does anything else need to go into it ... or is that okay as it is? What I mean is ... from reading Havinastella's thread ... there's a lot about mailer applications - which this would have been at the time - and photocopies, also where the terms and conditions were eg on the back ... or on separate sheets. Whether I just leave all that stuff out or what?

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I know it is odd, and I may have explained it on this thread before (if so, apologies) but sending an agreement that complies with s78 and sending an agreement that is enforceable are in no way related!

 

For s78 compliance they can send a 'reconstituted' agreement with no signature and T&Cs from a different century.

 

To be enforceable, they must send at least a document (in whatever form) that contains your signature and the prescribed terms - this may be an appliaction form with the prescirberd terms on the back (although they must prove that the prescribed terms are the ones you signed up to). In court, they must produce an original of such a document not a copy.

 

 

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