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    • 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).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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Beachy v Barclaycard/Mercers take 2


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Well Mercers showed their ugly face again today, received a nice red letter giving me 48 hours notice (posted 26th June received 1st July) failure to ring them will result a doorstep 'visitor' (again? still waiting for the last one to turn up), perhaps they'll hand deliver my cca?

 

Just going to hand it to TS, OFT & ICO - I've had enough ! ! !

 

Currently dealing with a family bereavement from yesterday, so Mercers can feck off.

 

Beachy

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They call that a reponse to cpr31.request! LOL :D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Just going to hand it to TS, OFT & ICO - I've had enough ! ! !

 

Currently dealing with a family bereavement from yesterday, so Mercers can feck off.

 

Beachy

 

Sorry to hear that Beachy, keep your cool with the letters, remember they intend to grind you down with letters/threats/passing the account around...

 

I would just ignore all letters/phone calls from them for a while and take time with your family.

 

All the best.

 

S.

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Sorry to hear that Beachy, keep your cool with the letters, remember they intend to grind you down with letters/threats/passing the account around...

 

I would just ignore all letters/phone calls from them for a while and take time with your family.

 

All the best.

 

S.

 

I wholeheartedly agree with Shadow Beachy..... Use your time to be with the family... ignore the threatmonkeys you can deal with them another day.. don't let them get you down now.

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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SF, Shadow & Spam.

 

Thank you all so very much, as I mentioned in the Beer Garden this morning I fully intended to take time away from the forum for a day or so - that was until the postie arrived with Mercers letter.

 

Although it was expected we just lived on prayers & the hope that he would pull through but it wasnt to be, his last few days was spent on a ventilator & following advice from the doctors the family took the painful decision to turn it off.

 

He was an absolute inspiration not only in my life but also that of my brother & sister despite his age was very very active up until this illness took hold. He was the last of my parents generation, I have very fond memories including the day he gave me my first 'driving lesson' down on the farm when I was eight - needless to say the lesson didnt last very long - I could bearly reach the pedals on the tractor. :eek: Ironic really, seeing that I drive for a living!

 

Once again thank you all so very much.

 

Beachy & OH

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Hi Beachy

so sorry to hear about bereavement.and Mercers giving you a hard time i been passed on to Calders now but they seem to be doing exactly the same as Mercers and still Barclayshark! Whate the point in giving same company a different name! when its just mercers in disguise so to speak:rolleyes:

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Beachy Just ignore the silly beggers!and dont let them get to you,I just ignore them now not worth my time anergy and printer ink! all i do now just from time to time is send letters to Barclayshark head office saying sending just unsigned ts and cs not unaceptable .and i will ignore Calders as well! I will only bother communicating with Barclayshark head office now!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Beachy,

 

Sorry to hear about your loss and I hope you and your OH are getting a chance to have some time to yourselves tonight and tomorrow all being well.

 

Sounds to me like the BC ignore the dispute merry-go-round is ongoing with you also.

 

All has went quiet here this last two days which feels strange! No post and no calls.

 

Even CAP1 has finally stopped calling me since the weekend...must have been my CPR letter to Miss Ellie sent in size 32 font since she has thrice previously ignored it! (or had trouble reading it - must have been illegible and unenforceable then....)

 

Take care of your family and let these buggers wait on you.

 

meerkat x

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Sorry to hear about your loss.

 

On the vague off chance that Mercers are not just doing their usual pressure tactics, perhaps a sign by your door.

 

"No hawkers, traders or people from Mercers."

 

Take care.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Sorry to hear about your loss.

 

On the vague off chance that Mercers are not just doing their usual pressure tactics, perhaps a sign by your door.

 

"No hawkers, traders or people from Mercers."

 

Take care.

 

Hi Emma,

 

So good to hear from you, hope your well.

 

Thank you for your kind words.

 

On the Mercers front I had a blue envelope from them today, containing a little red card informing me that they will be inspecting our doorstep tomorrow - the mood I'm in at present they will be inspecting the step a little closer then they can imagine!

 

My sister-in-law took Mrs Beachy out for the day but when she got home she said she didnt enjoy being out because all she could think about was someone from Mercers banging on the door - told her before she went out that mercers are nothing and I would deal with them IF they turn (after all I've had first hand experience of a doorstep visitor in the past P2C on behalf of capone).

 

Once again many thanks for your kind words, although we were prepared for the worst it is non the less painful & upsetting.

 

Beachy

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  • 3 weeks later...

Well done beachy,

 

Keep us informed

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Well done beachy,

 

Yup could well be a long wait mine has been with the FOS now for 6.5 months and they are only just looking at it now.

 

But remember this any award will include the 8% s69 interest on that my friend is adding on by the day.

 

So a long wait but a good reward at the end of it

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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SHOOT ! !

 

I've screwed up big time. :-x

 

Just thought I'd play around with the ppi calculator, messed up with BC spreadsheet - used the monthly interest of 1.34% which on one calculation gave me £4.03 from November '02 to May '09 however after finding the APR of 19.9% that calculation gave me £96.76 for the same period.

 

Have I shot myself in the foot or is it not too late to redo the spreadsheet, still no news from either BC or FOS.

 

Beachy

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beachy i think u will be ok as the FOS would not have started investigations yet with your claim so just redo and send enclose a letter explaining the error

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Phew! Thanks PF,

 

I could kick myself for that error, after me saying research is power yesterday (red faced now).

 

I'll take your advice & recal. the figures - there will be a massive difference, send with a covering letter to FOS, as you said they have not started their investigation yet so I need to act quick smart.

 

Beachy

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dont take it hard on yourself we all make mistakes myself inc and i dare say the banks lol PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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dont take it hard on yourself we all make mistakes myself inc and i dare say the banks lol PF

 

Redone my spreadsheet - by doing it the proper way has added another £1,800 interest to the claim :eek:

 

Have written an apologetic letter to the FOS concerning my error (blamed Mrs Beachy for distracting me with her vacuuming :D ).

 

Should I send an updated copy to BC or allow the FOS that privilage?

 

Already been successful with a claim against Barclays using the same mis selling reasons & without the need to involve the FOS, so hopefully should get a result.

 

Beachy

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No need to contact barclaycard over this as you are now dealing with the fos and barclaycard could not resolve the complaint in the first instance.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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:eek: Mercers have sent a third DN this year for the same arrears, and its only July (again not in the prescribed manner & sent by second class post - in a seperate envelope I been given 48hours to ring them (already expired - letter written four days ago and sent second class), failure to ring MAY result in a local collector calling at my home (not again - they never turned up).

 

Beachy

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barclaycard should not be entering into any dialog with you now as the fos is handling your complaint so everything from u and them has to go via the FOS PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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With regard to my last post, not only are Mercers still trying to beat True Call, sending a third DN for the same account/arrears and a third '48 hr Notice' or a doorstep collector will visit, I have just printed off my weekly True Call log & notice that Calders have been making calls as well.

 

3 defective DN's for the same account

 

3 x 48hr notice or you'll get a visit

 

2 x dca's chasing the same account (I know their all BC really)

 

TS dont give a toss

 

In my favour :-

 

No cca

non compliance of SAR

PPI reclaim with FOS £5,000

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