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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By UsedCarMan · Posted

      Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • GB_Joe
      EPC ANPR PCN - Overstay - Solent Retail Havant Car Park, PO9 1ND

      By GB_Joe · Posted

      Thanks Dave It's not too far away, about 8 or 9 miles, I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • lookinforinfo
      PCM PCN - Royale Leisure Park - W3 (London)

      By lookinforinfo · Posted

      As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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      We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Gazza112 Vs Halifax Credit Card

Gazza112

By Gazza112
in Halifax Bank and Bank of Scotland

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3392 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Hi All

 

Not been on here for a while, just need a bit off advice on this.

Its been very quiet from 1st Credit, until today when i received a threatagram through the post :|.

They actually want money of me in full or else :lol:.

Just a quick reminder this account was a Halifax account, then in 2012 they sold it to 1st Credit.

Here's what the letter said that came to me today.

1stcredit_zpse2c36fb1.jpg

 

 

So just need a bit of advice on what to do next.

 

 

Gazza

 

 

 

 

I take there is still no CCA around?

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SabreSheep

SabreSheep

Posted
Posted

Credit card?

 

How many over limit fees and late payment charges added to this account before it was sold?

 

Reclaim with interest in restitution.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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The GodMother

The GodMother

Posted
Posted

I dont remember if there was one. Tho with it being 6 yrs since last payment then they can jog on

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Bazooka Boo

Bazooka Boo

Posted
Posted

Almost a year to the day to get the threatomatic working, not bad!

 

Still as boring now as they were last year too.... :thumb:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...
SabreSheep

SabreSheep

Posted
Posted

Over limit fees, penalty charges?

 

Is it worth investigating these to see if their is a valid reclaim,

 

Would it not be good to find out that they owe YOU money?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Desperate Daniella

Desperate Daniella

Posted
Posted

Hi Gazza,

 

 

Do you have a copy of the Default Notice anywhere? The latest thinking seems to be that you have to add the time offered to remedy the "non-payment" to the date of the DN before it's SB, but I don't think anyone has yet been taken to court over this and had to defend it.

 

 

Discount offers are good news, as I'm sure you know.

 

 

I had a card which must be SB by now and last year I got about four letters offering me increasingly "attractive" discounts. Then I got statements telling me to deal directly with the DCA appointed to deal with my account - but there was no DCA!!!!

 

 

Hang in there.

 

 

DDxx

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dx100uk

dx100uk

Posted
Posted

ignore them

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The GodMother

The GodMother

Posted
Posted

Wow still chasing after this long

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Gazza112

Gazza112

Posted
  • Author
Posted

Hi All

 

Hope you all had a fab Christmas and like to wish you all a happy new year.

 

Right, just an update on this thread.

 

After receiving half a dozen letters from 1st credit in a fortnight,

they decided to ship this to another company called connaught collections.

 

I've has 4 letters from this company in the last few weeks,

telling me i'm a bad person not resolve the matter and bad things will come to me :sad::sad::!:

 

This is the letter i received today from them.

 

1stcreditletter3_zpsb1c94fb0.jpg

 

 

Gazza

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citizenB

citizenB

Posted
Posted

As you will see from the tiny print at the bottom, Gazza.. Connaught is not a "different" company at all, but part of 1st Credit. So despite their attempts to hoodwink you into believing this has been passed on to another company this is not true.

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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citizenB

citizenB

Posted
Posted

This is too long a thread to try and catch up with, so can you please summarise for us..

 

Date of last payment

Date of Default Notice

Balance they are pursuing and

What is outstanding in respect of any dispute ? CCA ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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SabreSheep

SabreSheep

Posted
Posted
As you will see from the tiny print at the bottom, Gazza.. Connaught is not a "different" company at all, but part of 1st Credit. So despite their attempts to hoodwink you into believing this has been passed on to another company this is not true.

 

A misleading practice where a payday lender had to pay compensation if i recall

 

fire a complaint under ccobs to fos and complain to fca with copies of the letters

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Gazza112

Gazza112

Posted
  • Author
Posted

Hi Citizen

 

Thanks for looking at my thread, no you looked at this a few years back.

Last payment around August 2008, the default notice was not enough tome to reply.

Only an application for which is a different ref number to the one the fighting for.

So in all there's not a lot i think they can go on.

Watch this space :lol::lol:

 

Gazza

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Bazooka Boo

Bazooka Boo

Posted
Posted

Definitely cause for a loud formal complaint to the toothless bodies that claim to police them.

 

If the SLC were exposed for faking these letters then quite why these lot are allowed to continue this practice is beyond me!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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