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    • FTMDave
      Excel/DCBL ANPR PCN - Appealed - 5minutes overstay - iceland gravesend

      By FTMDave · Posted

      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.
    • FTMDave
      PCM vanishing windscreen PCN - Royale Leisure Park - W3 (London)

      By FTMDave · Posted

      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!
    • AllianceParkingHater
      Alliance Parking ANPR PCN (NTK now LOC) - Appeal Refused - 17min Overstay - Harlyn Bay

      By AllianceParkingHater · Posted

      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.  
    • sprouting
      Moorgroup (Moorcroft?) on behalf of eBay

      By sprouting · Posted

      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!!
    • leighb3ta
      Problem with The Sims on Macbook

      By leighb3ta · Posted

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

      BankFodder posted a post in a topic,

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

There is a god, 1st Credit gets a SERIOUS slap from OFT - Re Stat Demands etc

Curlyben

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sillygirl1

sillygirl1

Posted
Posted

My reaction to the twit on the phone who said they would bankrupt me and I would be out of work was funny, I did point out that if I was bankrupt and unable to find employment how did they expect to get funds from me should they be deemed owing... the twit put the phone down at that point.

 

I also had one who was going to 'fast track me to a bailiff' to which I replied 'Not without a court order you can't.' They told me 'there were ways they could do this... and I asked if I could record the call from that point onwards - to be greeted by silence and a dead line.

 

Hopefully now the OFT are beginning to realise what we have been dealt with over the last couple of years by these people and make them 'toe the line'.

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Kraken1

Kraken1

Posted
Posted
Hopefully now the OFT are beginning to realise what we have been dealt with over the last couple of years by these people and make them 'toe the line'.

 

To be honest, until they were given more powers under the 06 cca then I don't think that there was that much they could do then.

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ScarletPimpernel

ScarletPimpernel

Posted
Posted

Further to Richard Spud's useful post above, other public information worth checking is:

 

ICO - has the DCA registered all trading names for data protection?

 

Companies House - has the DCA complied with the Companies Act 2006? Limited companies have to show their registered number, place of registration and registered office (which cannot be a PO Box) address on all stationery and websites.

 

OFT - do the registered office details match those provided to Companies House? A remarkable number don't.

 

Note that any CSA member company in breach of the Companies Act 2006 is also in breach of the CSA Code of Practice (which requires them to operate lawfully), and thus automatically trading unfairly as defined by CPUTR - failing to comply with a code of conduct to which a trader has subscribed.

 

I have spoken to the CSA about this, mentioning several companies, and received an expectedly wooly response. Then again, I don't take the CSA seriously. However, it seems to me that if such facts are reported to them, and they fail to act, then they damage what little credibility they have even more, and add weight to any further complaint made to OFT or the Registrar of Companies.

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cashins

cashins

Posted
Posted
How many £50,000 fines will make them tow the line :confused:

 

OK..........Give up, "How many £50,000 fines.............":D:D

 

As importantly, how will the OFT rquirements hit their income. The OFT have been pretty explicit in their requirements, so it's hard to see even them backsliding on this one.

 

1st seem to have built their business on threats of court action, (even more than the average DCA) and dishing out SD's almost in the first instance. I think they are going to suffer a big drop in income, certainly in the short term anyway.

 

That should take the smirk off their faces!!!

 

David

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sosumi

sosumi

Posted
Posted

Bridgepoint wanted to sell them last year, but didn't get a good enough offer.

here

Meanwhile 1st Credit's site is down (again) and neither the CSA or DSBG have reported the news on their web site. Yet.:cool:

Perhaps we'll all be dazzled by their explanation tomorrow.:rolleyes:

It's a tricky thing to 'turn around' and give a positive spin to. No doubt they'll try, but I'd say they're being rumbled at last.

Remember the CSA's 'Debt Manifesto' last year. What tosh.

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!!! :)

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deepdebt

deepdebt

Posted
Posted
How many £50,000 fines will make them tow the line :confused:

 

Hi babybear39

 

50k is like a grain of salt in an ocean, their profit margins are huge! as you would expect when they pay only a few pence in the pound for debts.

 

Now make the fine 500k and they may sit up and listen.

 

I wonder if Cabot maybe the next DCA to receive some guide lines from the OFT? live in hope.

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fuzzybobble

fuzzybobble

Posted
Posted
How to deal with harassing phone calls by debtors CSA Website

 

Well there's a turnaround:rolleyes:

 

I blame fuzzybobble :-)

 

I hope they've been paying attention, as I'll be testing them soon. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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ODC

ODC

Posted
Posted
Hi babybear39

 

50k is like a grain of salt in an ocean, their profit margins are huge! as you would expect when they pay only a few pence in the pound for debts.

 

Now make the fine 500k and they may sit up and listen.

 

I wonder if Cabot maybe the next DCA to receive some guide lines from the OFT? live in hope.

 

I have a funny feeling the spotlight is shining over West Yorkshire.;)

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B3rty

B3rty

Posted
Posted

Just a thought on this.

 

In their directive to 1st Credit on the back page they list 9 reasons or situations why ist credit shouldn't issue a SD and a couple stand out

 

C/ A valid dispute remains unresolved

E/ Where CAB or another other advice organisations are involved....

 

I am sure most of these could be refered to with other DCAs that are attempting to issue a SD with a threat to report them to OFT should they not withdraw immediately as this is in breech of OFT guidlines....

 

I know its not........ but if they can quote Rankine!!

Live Life-Debt Free

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deepdebt

deepdebt

Posted
Posted
Just a thought on this.

 

In their directive to 1st Credit on the back page they list 9 reasons or situations why ist credit shouldn't issue a SD and a couple stand out

 

C/ A valid dispute remains unresolved

E/ Where CAB or another other advice organisations are involved....

 

Re CAB, after a shaky start it works for me so far.

 

I am sure most of these could be refered to with other DCAs that are attempting to issue a SD with a threat to report them to OFT should they not withdraw immediately as this is in breech of OFT guidlines....

 

I think this would be done automatically / unofficially if you know what I mean, certainly should be.

 

I know its not........ but if they can quote Rankine!! What a mistake this was, hope it gets sorted one day, its all I get from the CAB.[/quote]

 

Happy days.

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Having_A_Knightmare

Having_A_Knightmare

Posted
Posted

Just got back from hols and found this out today.

 

Fantastic news and I am so glad I wrote to my MP.

 

Also a big thankyou to the Sunday Times as they must have had an input.

 

Please write to your MP if you get a SD or any bother of 1st Credit.

This way we are one step closer to getting there credit license revoked!!!

 

HAK

Click here for great help:razz:

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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fuzzybobble

fuzzybobble

Posted
Posted
Just a thought on this.

 

I know its not........ but if they can quote Rankine!! What a mistake this was, hope it gets sorted one day, its all I get from the CAB.[/quote]

 

Happy days.

 

The Rankine matter could be a thing of the past before too long.

 

I can say no more, but you'll know when it happens. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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The GodMother

The GodMother

Posted
Posted

Could u give us a clue Please?

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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Goldlady

Goldlady

Posted
Posted

 

The Rankine matter could be a thing of the past before too long.

 

I can say no more, but you'll know when it happens. ;)

 

 

Oh yes - that is news I will be happy to hear.

 

Let us all bless the Rankines for their contribution to our crusade:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Goldlady

Goldlady

Posted
Posted
:D I wonder if they are still living the high life?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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The GodMother

The GodMother

Posted
Posted

They were on the last programme i saw. They had a penthouse apartment and working whilest running there PAY TO USE website.

 

Oh well maybe they should not have attempted to be greedy.

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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tamarindo

tamarindo

Posted
Posted

Hi all

 

I hope yo do not object writing to this thread. I am desparate and need help!!!

 

I do have a lot of problems dealing with 1st credit ltd and connaught. How do you deal with these guys??

 

You seem to know a lot about them.

Connaught seem to be heavy handed even though I have communicated with 1st Credit that I do not owe them any money. Even if you request cca to them and they default under the Consumer Credit Act 1974, they still keep on coming with legal threats.

 

Any ideas please.

 

Thank you

Tam

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