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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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Mbna Cca


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  • 1 month later...
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Hi itc

 

They should not serve a DN for the full amount, only the arrears, asking for the full amount would make the DN invalid IMO. Also they cant terminate the account until a valid DN has been served and the time line has expired, then a termination notice should be sent to you, but in my experience they rarely do.

 

GG

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  • 1 month later...

Have just had S A R back and the account was sold before the remedy date. I have a DN asking for the full balance and account sold before remedy date what do you think my next move should be regarding experto.?

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  • 4 months later...

I have just received a letter from experto telling me they know my financial situation has improved (THATS A JOKE) and I should now sort out my debt.I like a lot of people had a DN but the account was sold before expiry of the DN.I have done an sar and that shows the sale but I am trying to get MBNA to put in writting the date of sale and who it was sold to. How do you think I should respond to the letter just received from experto?

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Have you read the recent Harrison Vs Link Financial case. Basically Link tried it on big time they lost and I would imagine ended up with a huge legal bill this went to the high court.

 

http://www.bailii.org/ew/cases/EWHC/Mercantile/2011/B3.html

 

Lets be honest EC have behaved in a similar manner repeat calls withheld numbers you get the picture.

 

I would personally ignore them. Don't waste a stamp.

 

Pumpytums

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  • 5 months later...

Hi all

just had a letter from Experto advising me that the only way we can sort this is in court.I have a DN asking for the full amount dated 7th sept and on my Sar request it says account sold to experto not varde on the 18th sept. I then have a letter from experto dated 23rd sept saying that mbna had sold to varde.In the latest letter it says I quote you are aware that the default notice does not prevent the sale of a debt and we have nothing on file to suggest you took any realistic steps to agree payment terms with mbna or experto to discharge your indebtedness either before the expiry of the remedy period contained within mbnas original notice.It also says I will be issued with an updated notice of default in order to give me time to readdress the matter.Any ideas asto what I should do?

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Usual Experto sending out a so called MBNA letter in their own envelope (windrush House etc etc?) saying Varde have been assigned the debt? also nothing on file to suggest you have a dispute (oh. their letter threatograms are so boring) they can get MBNA to send a correct Default notice, but your dispute regarding CCA still stands?? other will further advise I am sure.

 

But of course, when experto are involved usually means no CCA or correct CCA in force, Note:- Do not speak to them on the phone - calls from 0118 etc etc is usualy Experto.

 

Also if you have a dispute with any company let them find out what the dispute is, not you telling them and just refer to a date of your dispute letter to MBNA not the contents, also send any letters if you have to Recorded Delivery everytime.

Edited by Old Cogger
:mad2::-x:jaw::sad:
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Should I reply to the letter I have just received from experto or just sit back and wait? I was going to write back and inform them that the debt was sold before expiry of the dn and that the dn asked for the full balance. A lot of us are in the same situation with experto any advice would be very welcome.

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Hi all

just had a letter from Experto advising me that the only way we can sort this is in court.I have a DN asking for the full amount dated 7th sept and on my SAR request it says account sold to experto not varde on the 18th sept. I then have a letter from experto dated 23rd sept saying that MBNA had sold to varde.In the latest letter it says I quote you are aware that the default notice does not prevent the sale of a debt and we have nothing on file to suggest you took any realistic steps to agree payment terms with mbna or experto to discharge your indebtedness either before the expiry of the remedy period contained within mbnas original notice.It also says I will be issued with an updated notice of default in order to give me time to readdress the matter.Any ideas asto what I should do?

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This does look to be a bit of a mess.

 

MBNA issued a default notice for the full amount and sold the account on prior to the remedy date.

 

So not only was the Default notice incorrect, but you would have been unable to remedy the breach anyway.

 

I believe they are permitted to send any number of Default notices .. prior to termination.. However, they are unable to rectify their error as

 

1: the account no longer belongs to them and

 

2: It has to be assumed that they charged off/terminated the account prior to selling.. so theoretically there isnt an account to issue a genuine Default notice on!!

 

You really need a more expert opinion than mine though.

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  • 1 month later...

?An update I have not heard from MBNA since the sale to Experto until today I received a cheque for over 200.00 saying they found an error in the way credits were added to my account and I was due a refund I do not have to do anything as the account is closed. Whats that all about

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I got the same letter and a refund, today, ltc. Lovely surprise, wasn't it? :-D I think it may have been because they charged a higher interest rate then they were entitled to charge: My card was originally with another company, then MBNA bought it out and increased the interest rate by 300% for no reason!!! Methinks perhaps they were not entitled to do so and are refunding their error before they get a rap over the knuckles and have to add some compensation to the refunded interest charges. Just a theory, but I'm blowed if I can think what else it is attributable to. Very odd that they are so vague, isn't it?!

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Makes you wonder what else has been added incorrectly
Indeed! They must have been forced to do this - they certainly wouldn't do it out of the goodness of their hearts! Would love to know for sure what the refund regards, so I could check other accounts for the same error.
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