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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
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    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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jellybabe vs Cahoot Flexi Loan


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Hi Undercover-Elsa,

 

Sorry for late reply, i don't seem to receive emails no more when someone replies to my threads??

 

I will have a look at your time orders link today....i haven't heard anything from them yet, but no doubt it'll soon happen. I try not to worry about my Credit file too much, it's trashed now anyway since my hubby had lost his job last year. It only took him 4 month to find a new one (on a much lower income),but from then on everything went haywire.

 

Thanks very much for all the information,

 

jellybabe x

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  • 4 weeks later...

...a little update on this....

 

i have since my last post received several chase and threat letters from Santander's Debt collectors after not reacting to their faulty DN.

 

Contacted them 3 times, well, 2 letters to the Collectors (which have been ignored) and the last letter i directed straight to Santander, which have now replied saying that i need to ring them to talk about this. I did send a letter asking for lower payments and included a Budget Sheet.

I will not ring them , instead, i think, i will have to remind them again that i will only communicate with them in writing?!

 

One funny thing though...Have also received another letter now from Collectors, saying that my account will be passed back to Santander within 3 weeks. And Santander is in the process of preparing a DN to me??? Have i missed something??? Thought they had sent me one already as showing above....faulty one, but still marked as a DN?

 

Was this just a decoy to scare me and make me think it's a real one so i do quickly pay?? (If i would have had the money, i probably would have fallen for it!)

 

Is this Legal???

 

Any thought anyone??

 

Thanks,

 

xx

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Hi Jellybabe,

As things stand, they can issue another default notice (but there's no guarantee they'll get this right either). Did you say anything to them about the original DN?

It's best to keep quiet if you have a bad one - it's only of use after they issue a claim, as part of a defence.

 

Just hang fire and see what Santander come up with

 

Elsa x

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Hi Elsa,

 

Thanks for your reply.

 

Nope, haven't mentioned the faulty DN at all. Thought it'd be better not to mention it, just in case.

 

Just made me wonder that the Collectors sent me a letter saying that my account will be sent back to santander so they can issue me a DN, as the first one is marked as one.....but i gather that was just a threat making it look like a DN to scare me.

 

I will just keep on paying the amount i offered in my last letter, and see what happens?

 

Should i not contact them to say that i will only communicate in writing?

 

Thanks,

 

Jellybabe x

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Hi JB,

The first one is definitely a Default Notice.

You could if you wish write back and tell them that you can only discuss this in writing as you require a written record of negotiations, reiterate that you have made them a genuine offer of the maximum you can afford and look forward to receiving their acceptance of this in writing.

If you keep paying the figure offered - gives you the moral high ground.

 

Alternatively if you're feeling brave, you could cease payment and ignore them until they default it again and terminate the account, which usually freezes the amount owed and stops interest. THEN make your offer of payment.

This route is faster, but you'd have to put up with the hassling letters and be ready to jump in with a payment offer at the right time. Your choice.

 

I notice you sent a CCA request ages ago. Did you get a response to this?

 

Elsa x

Edited by Undercover-Elsa
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  • 3 months later...

Sorry, not been on here for a while due to health problems.

 

I have approx. 2 weeks ago received another one of those weird DN's and today i have received a letter confirming termination of the said account. And all this on a faulty DN?

 

The thing is, i know they can do that, but i have paid the maximum amount i can, which i had offered them from the beginning. And i paid it on time, as soon as i got paid each month. On the monthly statements it looked to me as if they froze the interest aswell, which i took as their acceptance of my request.

 

Now they tell me that one of the following will be done without further notice:

 

1.outstanding balance will be passed or sold to a debt collection agency for recovery of the outstanding balance.

2.Default information will be passed to the CRA's (which is obvious, i expected that).

 

The letter only states the Arrears on the account.

 

Could someone please advise on what my next step should be now? Should i hold back until i get letters from DCA now or should i contact Cahoot (now Santander) regarding this, and that i thought we had an agreement?

 

Please please, if anyone can help, it would be very much appreciated. :(

 

Thanks,

 

jellybabe

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  • 1 month later...

I have now sent Complaint emails to Santanderlink3.gif for mine and my Husbands account regarding the Loans. We have Moorcroft threatening us with legal action aswell now if we don't pay until the 9th Jan. Only received the letter today.

 

Both accounts haven't received any proper DN, and for one account we have received notice of closure.

 

I just hope these emails will get us somewhere. We had tried to arrange lower payments and made them every months since then, to no avail. We still pay approx. 75% of the minimum payments, which i thought was reasonable...even though we could do with lower ones, but we make do.

 

I have also stated in the emails that we now consider those accounts to be in Dispute....i just hope they accept that, it'll buy us some time maybe.

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shaneo.....I did email the same adress you stated, and i missed a call from someone at Santander. Even though i did state in my email that i would like the reply to be by email or letter only. Should i ring back? or should i send another message reinstating that i want things be done in writing?

 

Undercover-Elsa....i haven't sent a new CCA request off yet. But maybe i should send one to Moorcroft anyway?

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Yes, definitely send one. Now that it's defaulted/terminated have they stopped adding interest?

 

If they don't comply with the CCA I would stop payment until/unless they do comply, but put the money to one side each month with a view to an F&F at some stage. Certainly 75% of usual monthly amount is a high payment on a defaulted account and if you're struggling with this they need a wakeup call (CCA) after which they'll be far more likely to either offer a discount or accept much lower payments within your budget.

 

kind regards,

Elsa x

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I would just simply say:

 

I can see from my phone call log that you have contacted me, my name is 'jellybabe' and I calling regarding my Cahoot Flexi loan account number 666666. Could you please put me through to who called, thank you.

 

Something like that.

 

What they told me was that they where looking into my complaint and will reply with an answer with in 10-14 working days.

 

At the end of the day Jellybabe, they are as much human as you are and to be honest very friendly and approachable in that department.

 

Remember to ask for an email to back up the phone conversation you have just had with them.

 

Good Luck. Call them today friday 13th, break the bad spell of the day :)

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If there is one thing I have learnt with santander is that they never really send you a reply via email as quick as they could over the phone. Talking is better than email. Call them now let me know how you got on.

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Thanks, i just rang and the gentlemen seems to have gone home already..Just my blooming luck :)

 

Never mind, i left a message explaining who i am and what account it is about....i didn't leave my phone nr again (maybe i should have, but totally forgot at that moment), but saying that, he should have it anyway.

 

Don't think he'll ring back until Mon now anyway.

 

Thanks

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Thanks for your help so far shaneo and Undercover Elsa..it is much appreciated.

 

I do hope it turns out good for us, even if it only means we can reduce our payments a bit...that would help a great deal.

 

And Congrats shaneo on your success. How long did it take until you had your refund?

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