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    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • 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).
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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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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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.

       

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Link Financial have done a mass mailing of Default Notices re: assigned accounts.


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I['m waiting for them to post me a cd with all the names and addresses of all the debtors in the UK on it....;)

 

ALternatively you can probably find that in a coffee bar near to their office:rolleyes:

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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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Heh, I know nearly everything me. I bugged their offices one cold november day and listen in fairly regularly. Apparently Janice in accounts is having a thing with claude in HR...

 

I then nicked one of their laptops off a train at Euston when they weren't looking...

 

Or, if you think that the above might not be 100% accurate...shame on you!

 

It was just the 11 that threw me. I know they wrote to 13 cos last year so didn't know if you knew something else. I suppose there was the 1st credit thing but even if that was taken off then you are left with 12....

 

Well that's it Kraken, if it is true, then Janice and I are through!!

 

GK

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  • 2 weeks later...

Link Financial Limited are awaiting their CCL to be renewed,

it expired in May 2008, that is 10 months ago...?

 

Application / Licence Details

Licence Number:0446835Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Link Financial Limited 3504939

 

Categories:

Consumer credit

Credit brokerage

Credit reference agency

Debt adjusting/counselling

Debt collecting

 

Right To Canvass Off Trade Premises:Yes

Issued Date: 03-May-1998 Expiry Date: 02-May-2008

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Bernard Albert Ernest Saunders OFFICER

Mr Philippe Marcel Etienne Paillart OFFICER

Paul David Burdell

Robin Wilfred Roberts OFFICER

Selina Lee Burdell OFFICER

Stephan Karl Edward Ludwig OFFICER

 

Historic Individuals that run the organisation:

Name Position

Geraldine Ann Kennel OFFICER

Robert Mark Longden OFFICER

Selina Rigden EXECUTIVE DIRECTOR

Stephen Andrew West OFFICER

 

Nature of Business:

Other

 

Current Address(es):

Address Type Address

Correspondence 89, Albert Embankment, London, SE1 7TP

Principal Place Of Business 89, Albert Embankment, London, SE1 7TP

Registered Office 89, Albert Embankment, London, SE1 7TP

 

Historic Address(es):

Address Type Address

Principal Place Of Business 89, Albert Embankment, Londo, SE1 7TP

Principal Place Of Business Suite 3,01-3,02 Plaza 535, Kings Road, London, SW10 0SZ

Registered Office Suite 3,01-3,02 Plaza 535, Kings Road, London, SW10 0SZ"

 

Just keeping an eye on them!

 

AC

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No, they are not trading unlawfully, their licence is still current, but awaiting renewal;

Hopefully, the OFT will clip their wings a little...

 

Naughty Link, they think that they can circumnavigate the OFT guidelines and get away scot free.

 

Many, many members have complained to the OFT about Link's Unfair Business Practice!

The OFT wheel turns very slowly.

 

AC

 

p.s. keep complaining guys, if you don't Link Financial will just carry on riding roughshod over you ALL.

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Link have bought my car loan from GEMoney/CarCraft rip-off merchants so subbing with interest 8-)

 

ps. anybody know how long it normally takes to renew a licence? would have thought it was just a matter of a stamp on a certificate :)

Edited by AA99
ps
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AA99 they bought my GE account , and they have so far lost 3 payments! it took them over a year to find the one and im still waiting on them looking for the other one....

interesting about the expiry though, i cant see how they can trade if its expired?

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Link have bought my car loan from GEMoney/CarCraft rip-off merchants so subbing with interest 8-)

 

ps. anybody know how long it normally takes to renew a licence? would have thought it was just a matter of a stamp on a certificate :)

 

AA, sorry I dont know the answer to this question. Or is there something I am missing :confused:

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

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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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ps. anybody know how long it normally takes to renew a licence? would have thought it was just a matter of a stamp on a certificate

 

Apparently not...

 

see here for info on the process:

 

http://www.oft.gov.uk/shared_oft/business_leaflets/credit_licences/oft969.pdf

 

and here for timeframes:

 

The Office of Fair Trading: Making an application for a credit licence

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  • 2 weeks later...

On the subject of SOA's... I received another letter from Link telling me that they're still dealing with my complaint made before Xmas! My complaint was that when asked for a SOA they produced one belonging to another customer (reported in this thread many pages back). Meanwhile they still haven't satisfied my request for the SOA (months later) under the CCA, so I'm paying them nothing until they do.... or until they send me a LINI letter ;)

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Arrived today,

 

LINKSTATEMENTOFACCOUNT2APRIL2009.jpg

 

 

I'm sure Mrs P doesn't have an account with Link. Do you think they are making it up ?

I must ask them again to provide the agreement!:D

 

New tactical ploy from our friends at Link at least its more professional than the last lot of DNs:D

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Dont you just love that statement at the bottom

 

"If you have a problem with your agreement, please try and resolve it with us in the first instance" :confused::D

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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Would sending a similar letter to alanfromderbys do any good?

 

 

2nd May 2006

 

 

Dear Sirs,

 

Reference: Your refs:

Please be aware that I do not acknowledge any debt to your company, and therefore require you to supply the following documentation before I will correspond further.

 

Firstly, you must supply me with true copies of the agreements you refer to in these matters. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing statements of account. I enclose a £2 postal order in payment of the statutory fee for each account.

 

I also require that you supply signed true copies of the deeds of assignment of the above referenced agreements.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I am now initiating investigations with MBNA into the validity of the original amount that was claimed to be owed, and will be in contact with you again in due course. In the meantime please be aware that I consider this matter to be “in dispute”.

 

 

Yours faithfully

Edited by phatram
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as long as you change the date phatram :lol::lol:

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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I also require that you supply signed true copies of the deeds of assignment of the above referenced agreements.

 

You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974.

 

This is wrong. You are not entitled to a copy of the deed of assignment under s77/89.

 

I think that it is very unwise to put incorrect info in letters like this; it advertises the fact that you don't fully know what you are talking about.

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This is wrong. You are not entitled to a copy of the deed of assignment under s77/89.

 

I think that it is very unwise to put incorrect info in letters like this; it advertises the fact that you don't fully know what you are talking about.

 

Its alanfromderby's letter not mine. I was trying to help people but you obviously know more than me, sorry for wasting your time.

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