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    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   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 added. Shall we raise the 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 parking periods. Especially with no consideration of section 13 in your own trade association's code of practice 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, unmanaged 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 above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “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. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
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Embleton v Natwest Credit card


embleton01
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I'm claiming this one for my OH. As we had all our statements I sent of my Preliminary Letter on 10th July.

 

Today I've received a response from Noreen King of Customer Relations, it reads

 

"Dear Mr xx

Thank you for your letter of the 10 July 2006 concerning NatWest Card Services.

In view of your comments, I have forwarded your correspondence on to the appropriate department who deal with the issues you have raised. I have instructed them to look into this matter and respond to you in due course.

Blah,Blah complaints leaflet enclosed"

 

That's all well and good Noreen but if 'due course' is not within the 14 days of my preliminary letter, I'll be sending my LBA !!!:-D

 

Keep you all posted

 

Emma x

Parachute Deployed !!! :-D

Data Protection sent to Barclays - 04/07/06

Reply from Pete Townsend - 06/07/06

Statements received - 12/08/06 - Claiming £200

Prliminary Letter sent 27/09/06

Reply from Martin Bennett 03/10/06

LBA sent 16/10/06

Partial settlement offered 25/10/06

MCOL Claim 04/11/06

 

OH NatWest Credit Card - Paid in full

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OOOhhhh, hi all, delaying tactics abound.

 

Having sent off my preliminary letter on the 10th and received the response from Noreen above, I've got another letter.

 

This time it's from Eileen Mihill who is a Senior Customer Advisor :rolleyes:

Basically they are sorry we are less than satisfied with the level of service and thank me for letting them know so they can address my problems. But..... they need more time to look into matters further and answer my concerns fully. They will contact me in 10 business days to either propose a resolution or just let me know how things are going :lol:

 

Unfortunately, MY DEADLINE is 24th of July so if they don't cough up before Monday its LBA Time !!!!:lol: :lol: :lol:

 

Will keep you posted

 

Emble x

Parachute Deployed !!! :-D

Data Protection sent to Barclays - 04/07/06

Reply from Pete Townsend - 06/07/06

Statements received - 12/08/06 - Claiming £200

Prliminary Letter sent 27/09/06

Reply from Martin Bennett 03/10/06

LBA sent 16/10/06

Partial settlement offered 25/10/06

MCOL Claim 04/11/06

 

OH NatWest Credit Card - Paid in full

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Hello

 

I do not know if you can help me. I banked with Natwast and Barclays a while a go, and at the time incurred charges for overdrafts and unpaid direct debits, do you know if you can make a claim even if the bank accounts are closed? Or know of anyone that may be able to help me please?

 

I am new to the site and not sure what to do.

 

Thank you

 

Hannah

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Hi Hannah and WELCOME to the site !!

 

Firstly its better to start off your own thread, makes it easier for people to follow your case and help you.

 

Next it doesn't matter if the accounts are closed or not (probably better because they can't threaten to close your accounts and stuff). Just follow the procedures as written in the FAQ's. It's best to spend a few days reading all the FAQ's and other peoples cases. There is quite a bit to get your head round but it is definately worth the effort.

 

Data protection, preliminary letter, letter before action etc. Regardless of the account being current or closed the process is the same.

 

Hope this helps

 

Emble x:)

Parachute Deployed !!! :-D

Data Protection sent to Barclays - 04/07/06

Reply from Pete Townsend - 06/07/06

Statements received - 12/08/06 - Claiming £200

Prliminary Letter sent 27/09/06

Reply from Martin Bennett 03/10/06

LBA sent 16/10/06

Partial settlement offered 25/10/06

MCOL Claim 04/11/06

 

OH NatWest Credit Card - Paid in full

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Hi Hannah,

 

When you come onto the Natwest part of the forum, at the top you'll see a button to click on that says 'Start New Thread'. Click on it and put a title for your thread e.g Hannah Vs Natwest. Then put the question you have in the message box. Also, have a look at the frequently asked questions section http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ and make use of the search facility.

 

Good luck!

 

Steve:)

Cap One here we go!:p

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Hi Emma, have put SAR into Nat West, but nothing yet. My letter was 10/07/06 - should I be more patient? M x

Abbey
- Data Protection Act (S.A.R - (Subject Access Request)) sent 15th July 2006

received usual Microfiche arguement and some statements

20th July - Microfiche letter sent

 

Nat West
- Data Protection Act (S.A.R - (Subject Access Request)) letter sent 10/07/06

 

Halifax Card Services
(Currently still open) - Data Protection Act (S.A.R - (Subject Access Request)) letter sent 19/07/06

Rcvd letter from HBOS plc - Thanking me for specific info - but request for info relating to manual info under no stat req to record this info?"

 

 

 

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:lol: :grin:

 

HOORAY !!!!!

 

Letter this morning from Hannah Salmon - Senior Concerns Officer

 

Your comments have been noted and on this occasion, I have arranged for the two late payment fees of £20.00 to be refunded to your account as a gesture of goodwill'

 

Usual blah,blah regarding the fees being fair resonable and transparent but they caved after a preliminary letter !!! I know this was only £40 but I was quite ready to take them to court and its better off in my pocket than theirs.

 

I'm still waiting for my Barclays Data protection response but this has given me the confidence to push through. Good Luck to everyone still fighting against NatWest

 

WOOO HOOOOO !!!!!!!

 

Emble xx

 

NOTE FOR MODS - Could you amend my Title to include WON !!! and I've completed the survey and donation HAS BEEN MADE!! - Thanks

Parachute Deployed !!! :-D

Data Protection sent to Barclays - 04/07/06

Reply from Pete Townsend - 06/07/06

Statements received - 12/08/06 - Claiming £200

Prliminary Letter sent 27/09/06

Reply from Martin Bennett 03/10/06

LBA sent 16/10/06

Partial settlement offered 25/10/06

MCOL Claim 04/11/06

 

OH NatWest Credit Card - Paid in full

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** bump ** for MODS ** :D

Parachute Deployed !!! :-D

Data Protection sent to Barclays - 04/07/06

Reply from Pete Townsend - 06/07/06

Statements received - 12/08/06 - Claiming £200

Prliminary Letter sent 27/09/06

Reply from Martin Bennett 03/10/06

LBA sent 16/10/06

Partial settlement offered 25/10/06

MCOL Claim 04/11/06

 

OH NatWest Credit Card - Paid in full

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