Jump to content


  • Tweets

  • Posts

    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      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.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Serious Debt Please Help


Teldave
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5608 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

Recommended Posts

  • Replies 78
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Everyone THANK YOU so much for your words I can't tell you how much it means to me it has given me something I thought had long gone HOPE

 

I am taking the advice and going for the CAG's to all of them and the first thing I done after my first post on here went home and unplugged the phone!!! AND YOU KNOW WHAT i INSTANTLY FELT BETTER

 

What can I say CAG literally saved my life maybe we do have that angel on our shoulder as something pointed and helped me to find this site.

 

Again reading some of the truely heart breaking stories on here makes you realise and be grateful for what you have got.

Will let you all know how the story goes - THANKYOU

Link to post
Share on other sites

Hi Teldave

 

:) I went all "goose-bumpy" after reading your last post.

 

I'm delighted that you're feelilng better and more positive. You'll soon start to feel "in control" and things WILL get better.

 

When you start to get replies to your CCA requests, post on here and let us know what they say - the "experts" can then guide you further.

 

"The Bear Garden" forum is a good place to go if you just would like a chat, but I know that you'll get much help and support to get you through this.

 

Stay strong

 

Best wishes.

 

jaxads xx

Edited by jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Hi there Sorry to hear about your financial problems the loss of your loved ones....

 

I couldn't say i know what your going through right now but believe me its not the end of the world and you CAN solve these problems....

 

Have you considered getting an appointment with the citizens adivce bereau or the Consumer credit councelling service? These are two charity orginisations i know help people in your predicament? If you need the numbers i can find the nearest CAB to you...

 

I work for a credit card company, in the collections department, and i happen to know that if you specifically request we remove your number, we must do so by law. So i suggest if you do speak to them again you request they remove your number and corresspond with you in writing. Perfectly reasonable request and also they are obliged to do this...

 

if you want any help from an insider just PM me or something i would be happy to give you some help....

 

TBC.......

Link to post
Share on other sites

Teldave, what I wanted to say this morning but couldn't find the right words is -

Just don't be alone with money worries! We all draw strength from each other, and you are very far from being alone now. Okay? xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Just to add my support. The world is a better place for blondes!

 

TBC - that was a very brave admission! Be warned - you'll get a 1,001 questions now.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

Just adding to the welcomes Teldave - I used to spend all day every day with a knot in my stomach but no longer - just knowing what to do and what those toerags can't do no matter how much they shout is worth its weight in platinum

Edited by RedVixen
spelling that changed the context

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

Link to post
Share on other sites

Just to add my support. The world is a better place for blondes!

 

TBC - that was a very brave admission! Be warned - you'll get a 1,001 questions now.

 

Regards.

 

Fred

 

:p I've got my tin hat on but i have read these forums for a few years and now when i am at work i am dying to tell people about this site but i need to work and as you can imagine that would be a big no no for my bosses :(

Link to post
Share on other sites

Dont let them get you down. I have only been on this site two weeks and they are great. I have sent all my CCA letters and already had £18,000 written off by Natwest!! So it will be worthwhile in the end.

 

You have already had some really good advice. Organize your files in seperate folders and keep everything. Have a good nights sleep and wake up 2moro with the will to beat these people. Remember banks and Credit Cards companies dont care and they have no morals!!! so dont be affraid to challenge them.

Good luck and so sorry to hear of your loss

Natwest loan - lost agreement £18,000. Complaint pending with FOS

 

Britannia Loan - CCA request defaulted - £25,000 not heard anything since

 

RBS Credit Card - lost agreement - £11,000. Complaint to FOS pending

 

RCI Finance - lost agreement -£8281.00

 

Northern Rock loan - pending

 

Halifax Loan - CCA request defauted - £5,181.00 not heard anything since

 

Natwest credit card - in dispute, refusing to dislose Agreement - £5,887.00

Link to post
Share on other sites

:p I've got my tin hat on but i have read these forums for a few years and now when i am at work i am dying to tell people about this site but i need to work and as you can imagine that would be a big no no for my bosses :(

 

I'm trying to put myself in your position here. There must be times when either you feel extremely sorry for somebody who is quite clearly being given a hard time when they don't deserve it, or quite angry when you can see that somebody is simply trying to evade their responsiblities. Does this make your job more difficult?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

Link to post
Share on other sites

Everyone THANK YOU so much for your words I can't tell you how much it means to me it has given me something I thought had long gone HOPE

 

I am taking the advice and going for the CAG's to all of them and the first thing I done after my first post on here went home and unplugged the phone!!! AND YOU KNOW WHAT i INSTANTLY FELT BETTER

 

What can I say CAG literally saved my life maybe we do have that angel on our shoulder as something pointed and helped me to find this site.

 

Again reading some of the truely heart breaking stories on here makes you realise and be grateful for what you have got.

Will let you all know how the story goes - THANKYOU

 

thats excellent, eventually you'll be so uplifted by your own progress it will get to a stage where you can't wait to log on to see how someone else is getting on because your'e 'problems' have paled into insignificance. Be warned, this site is highly addictive.

Edited by blipvert
l
Link to post
Share on other sites

Just adding my support teldave, you will find this site such a nice break from everything, and how to deal with these people - you will feel much better about it when you realise the rules aren't just what they tell you!

 

Lets sort it out :)

Link to post
Share on other sites

I'm trying to put myself in your position here. There must be times when either you feel extremely sorry for somebody who is quite clearly being given a hard time when they don't deserve it, or quite angry when you can see that somebody is simply trying to evade their responsiblities. Does this make your job more difficult?

 

Regards.

 

Fred

 

You have just about hit the nail on the head there mate.

 

its actually quite frustrating at times when i speak to people who are going through a tough patch and all i can say is send us a letter. I wish it was me who makes the rules but sadly it aint :|

Link to post
Share on other sites

"What can I say CAG literally saved my life maybe we do have that angel on our shoulder as something pointed and helped me to find this site."

 

That's exactly how I felt - so we're all in this together.

 

Take comfort in the fact that we've all become friends and are all on the same side!

 

x:)x

Link to post
Share on other sites

Teldave: first off (((((((((((((((((hugs)))))))))))))))))))

 

You have had so much to deal with, but you are still here, and with our help you will be able to not only get through this, but actually laugh about it before long.

 

Firstly, send off the Consumer Credit Agreement letters (included below)to anyone you have a loan or credit card debt with. They cannot be used for mobile phone, utility or nursery debts I believe. Make sure you send them unsigned (very important ~ some debt collections agencies have been known to cut and paste signitures onto agreements) and by recorded delivery and with a £1 postal order in them. Do this on monday (or as soon as you can afford to, but certainly by the end of next week), to all the companies (yes, the debt collection agencies who are doing your head in). They have 12+2 working days to respond with a copy of the Consumer Credit Agreement or the agreement is in default and cannot be enforced.

 

Secondly, I don't know who you bank with or if the debts are within the same group but if you have say a Halifax bank account and a debt is with Halifax or Bank of Scotland then open another basic bank account to have any money and bills paid out of. Banks have been known to take money out of accounts to pay off debts of other banks in their group.

 

Thirdly cancel any direct debit payments you have arranged with these debt collection agencies. They can change the payment amount and date without you knowing.

 

Fourthly, DO NOT SPEAK TO THESE PEOPLE ON THE PHONE. It is their job to get money out of you, and can and will be as nasty as possible to try and get it. In the letter I have put below there is a bit about you not wanting any contact other than in writing.

 

When you get anything back from these companies let us know, some might try and fob you off with application forms for loans or credit cards and hope you do not know that this does not satisfy the law.

 

WE are here for you, we will support you.

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

Re:

Dear Sir,

With reference to the account above I would be grateful if you could send me a copy of the signed credit agreement.

I understand that under the Consumer Credit Act 1974 (sections 77-79); I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand that a copy of the credit agreement should be received within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

 

Be advised that any further telephone calls from your company will be recorded.

 

I await your written confirmation that this matter is now closed.

 

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I expect your due diligence in this matter.

Yours faithfully,

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Link to post
Share on other sites

Everyone once again thank you today not so good I have had to plug the phone back in to be able to work to get broadband yesterday I had 63 calls today not even 11am 28 calls so far my husband is on nightwork and going mental as he cannot get any sleep

 

I am so scared to go to ccs or CAB because of my debt in case the recommend bankruptcy I am self employed contractor and my work involves supporting trading floors (mind you no work around in that field at the moment) so this would then bar me from working in that field if I was made bankrupt. I got a letter from my bank yesterday I have always made sure that I keep up with everything with them as I need them for my salary etc and now they are threatening to pull the rug from under me as they are concerned over my credit file!!!!! I want to fight back but feel so low - anyone out there won by them not having a CCA I have read so much my head is spinning I only seem to see court actions and then it depends on the judge.I flip between being positive and desperate I wish I could just stop crying I just crave some peace. I feel worthless and ashamed how could I end up from being comfortable having a good life to going to bed cold and hungry. Sorry bad day!!!!

Link to post
Share on other sites

Everyone once again thank you today not so good I have had to plug the phone back in to be able to work to get broadband yesterday I had 63 calls today not even 11am 28 calls so far my husband is on nightwork and going mental as he cannot get any sleep

 

I am so scared to go to ccs or CAB because of my debt in case the recommend bankruptcy I am self employed contractor and my work involves supporting trading floors (mind you no work around in that field at the moment) so this would then bar me from working in that field if I was made bankrupt. I got a letter from my bank yesterday I have always made sure that I keep up with everything with them as I need them for my salary etc and now they are threatening to pull the rug from under me as they are concerned over my credit file!!!!! I want to fight back but feel so low - anyone out there won by them not having a CCA I have read so much my head is spinning I only seem to see court actions and then it depends on the judge.I flip between being positive and desperate I wish I could just stop crying I just crave some peace. I feel worthless and ashamed how could I end up from being comfortable having a good life to going to bed cold and hungry. Sorry bad day!!!!

You need to stop those phone calls. Pull the plug out of the phone again! :)

I think you should talk to National Debtline.

Bankruptcy isn't the worst case - your health - and your hubby's health - deteriorating is! xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

There is also a website by a lovely young woman who had to face bankruptcy: if you google Ladiesinthered, you'll find it. She was also self-employed and doing well, but hit a real crisis in her business, hence BR. She got through it, and her pages are an inspiration - very funny as well! :D

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

sorry guys just a bad day feeling down buzzer system in rented property so even with phone unplugged it buzzes every room need to work out how to disconnect every buzz just brings it home what a mess I am in my whole family now gone only have my husband but he is at the end of his tether scared he will walk and I lose him too not looking for sympathy as there are worse off them me!!! some positive win stories please thanks everyone

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...