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    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
    • ther thing we need to do is identify the land correctly, so state where exactly it was. If you mean the Tesco/aldi car park  then there is a sign at the entrance but that isnt an offer pf a parking contract with charges fro breaching it so maybe an invitation to teat at best. Cant tell who it is with though so not good for these bandits
    • Hi,   I've been sent a claim form from Hoist finance UK Holdings, after speaking with them I believe it's with Robinson way.   I dont recall ever being sent a letter of claim beforehand, the debt is a Barclaycard and the amount if around £1500.   Speaking to robinson way they are unwilling to negotiate with me and simply told me to return the claim form.    Is there anything I can do to avoid the CCJ, I'm happy to arrange a payment plan with them and certainly would've if a letter of claim was sent.   Thanks 
    • you have to look back a long way to get all the info you need on contract law that covers the contracts offered by the parking co. let us say wha it is if worded properly, it is a unilateral contract, which is basicaly an advertisement of something that by your actions you accept. they are enforceable as such. CARLILL v Carbolic Smake Ball Co is the mainstay on adverts as contracts.   Burden of proof- well that is a 2 way street in this case as they will say that they had lots of signs so you must have read them. we say that they need to be specific to the circumstance of a motorist entering private land in a car so they ahve to be legible and transparent at the point of entry from the public highway or it isnt a proper offer. Get the signage right and the fact that you drive in a manner that would get you nicked by not paying due care and attention wont allow you to claim that you didnt see the signs. the reality is though that the signs are often piddlingly small, hidden or unlit and usually without the necessary planning permissions so thre illegallya dn thus fail to create a contract.   demand for payment  within 14 days at a a time well after the correct NTK/NTD was issued is OK, problem is that many of the original charge notices are duff so no liability exists.   youcnat ask for other people's personal data, only they can. If you were the keeper at the time then it will be you they are chasing but other than that all you can do is get her to name you as the driver ands ee if they want to obey the law and start all over again against you.   Now as the original Northern Parking services were wound up by the govt for being naughty you should look up the original paperwork you still have and see who the creditor was at the time. Also get pictures of the sigange as all of the signs from the Co I have seen fail to mention the new version of the company and that makes the contract offered by the signage void.   so for example the secod letter of calom that is headed Northern Parking Services - no such company, it was wound up and this lot either dont know who they are or are too lazy or stupid to explain themselves. There is no tie between the 2 companies with similar names so why are they passing themselves off as a bunch of out of business crooks I wonder? I suspect that they took over the books of the wound up co and failed to explain themselves to the old clients and just carried on. Now that will be somehting to explore IF they do take you to court.   We really need to see the signs(ideally as they were back then so streetview archive images plus new photos please) if possible along with the original paperwork and an idea of when they dropped through your letter box with reference to the 12+2 days allowed under the POFA.   If you can get that then it will be fairly easy to compose a stinging response to their LBA.
    • The timeplate only relates to the parking bay. The SYL's are governed by the times on the entry signs to the Controlled Parking Zone. I've looked on Croydons website but can't find the restriction times for Zone W. The T-bar is no longer a requirement, but the SYL must be substantially compliant, which from your photo I would say it is.   You need to get a resident permit or at least visitor permits ASAP or you're going to continue to get more pcn's  
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j.wandless

Comet and HFC finance company

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Hi

 

We had a nasty experience through Comet and were totally ripped off. We purchased a 42" plasma t.v at a cost of £1999. We bought it on 0% interest for the first 9 months - after that it went up to the usual hugely inflated interest rate that these stores charge.

 

However, we had previously purchased a digital camcorder from the same store - on the same terms - and when the interest free period was nearly up they wrote to us informing us that it was coming to an end and that the interest rate would go up if we didn't settle the balance. We assumed they would do the same with the t.v.

 

Our payments for the t.v were approximately £88 a month and the fincance company used by Comet was HFC. When I phoned up the finance company to pay off the outstanding amount - which I thougt was still in the interest free period as we received no letter from them - I was informed that the balance was £1800 (approx). Obviously I queried this and was informed that we had purchased the t.v 11 months ago. So we had paid £968 and had only cleared £200 of the balance. I was furious and asked to speak to a manager. I explained that we had received no letter but they would only reduce the balance by £100.

 

This was about a year ago - I know there's nothing I can do about it now - but just thought I would share my experience - and warn others

 

Debbie


Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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Alot of these 0% interest companies don't warn you - however mates have ahd very good experiences with HFC, they are willing (at times) to remove charges just if you ask nicely - if you miss a payment then phone them up and settle the missed payment they will just take the fees straight off

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Hi

 

My issue with HFC is that for a relatively cheap item ( few hundred pound for camcorder) they did write to us warning us that the 0% period was nearly finished, however, for an expensive item - £2000 - they didn't bother. If they do it for one then they should do it for all. My thinking is that they will make more money from the more expensive items - so it's in their interest not to warn people.

 

Debbie


Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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This is nothing to do with Comet. They sell your debt onto HFC the second you buy the product.

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They dont sell your debt on as such its a credit plan with HFC in the first place (same result but not technically the same thing at all, sorry to be picky)

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even so it is comet giving the incorrect information. as they do not always write to you.


:D

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i bought stuff from comet, and i got credit of a company called capital, anyone have any more info on this company???

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the full name is GE Capital, They have transfered or sold the debt on, but would like to see how much charges they hit me for,

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hi i brough some items from comet. which is GE CAPITAL BANK LIMITED. can i claim my interest back off them or not i took the 12 MONTH INTEREST FREE but then my washing machine and fridge went at nearly the some time so i had to put them on my EDGE card and i am still paying them now, they are charging me 5.65 a month interest only got 150.00 to pay now but i have had one of these cards a few years ago so if anyone can advise me what to do can i get any money back of this company thanks veronica

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No, you can't. It's a legitimate (albeit high) interest rate, and you had the option to pay off the debt before the interest went on.

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I have dealt with HFC a couple of times and i have some advice;

 

Firstly you are often taking out a plan to repay over a large amount of time such as 48 months, only 6 or 9 months of this will be interest free, the amount you are paying off is often very low each month because of this and you need to make extra payments if you want to pay it off before the interest kicks in.

 

personally i currently have an xbox brought from currys which cost around £350, the direct debit is only set up to take £12 per month which is tiny so i set up a standing order for a further £70 per month, meaning i pay off £82 a month and clear it within the 6 months. (to set up a standing order use the sort code and account number on the paper work from hfc).

 

Also I would try to get them to knock at least £19 from the cost of the goods when you buy them because this is the admin fee you will get charged when you make your final payment, not exactly interest free hey?

 

In my experience hfc is not that bad a company, you just need to be clued up as to what to pay each month and just like a credit card, dont ever just pay the minimum off each month EVER!!!.

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I am new to this, so hi.

 

I am just looking at all my finances and to be honest its a bit of a mess, I am having issues with HFC and Marbles and would like some advice, like the above i brought a camcorder and tele from Comets in 2005 and had the "loan" transfered to HFC or Benifical Finance, the total cost was about £1000, I paid off a fair wack in the year but not all as could not afford anymore, to this day I am still paying £56 a month and my balance is around £1700!! I have now stopped paying and need advice if there is anything I can do, PPI claim back or something similar. Hindsight is a wonderful thing and I would have done it different, but over the last few years money has been ok, now its tough and I need to stop paying out to companies that have had there fair share! I am in the same boat with Marbles over a 3 peice sweet purchased in Oct 2005 and although the oringinal cost was only £1100 I still owe about £2000 to them.

 

Any advice would be good.

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Just wanted to confirm is it definatly Comet or is it Currys. As far as i'm aware Comet deal with Santandar and in the past they dealt with GE Money. Currys however have had dealings with HFC.

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Just wanted to confirm is it definatly Comet or is it Currys. As far as i'm aware Comet deal with Santandar and in the past they dealt with GE Money. Currys however have had dealings with HFC.

 

Would Comet have dealt with Marbles? I have never brought from Currys?

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Would Comet have dealt with Marbles? I have never brought from Currys?

Not as far as I'm aware.

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