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    • This has also happened to me 
    • Received the attached today. The centre has free parking provided the number plate is entered on arrival at the surgery, which we forgot about. Given it's another of these private companies, what would be the best route here - ignore until letters either stop or court action threatened? New Note.pdf
    • Hi All, Firstly, many thanks to all that have contributed with advice on this thread - much appreciated. Daughter phoned the court and they said they cannot waive the £275 fee. Also said that if she did set aside it would be heard in an English Court as papers served to an English address even though it is an incorrect address............is this correct? Makes me feel like less likely to win? Received the SAR back from PE and they have stated they received the English address from Experian. We've looked on her credit report and there is a linked address there from a company called Lendable that did 3 searches on her.......... one on her Scottish address, 1 on our neighbours address? and one on the English address. She says she and her ex went to look at buying a car - he cannot drive but was going to get the finance. I can only assume they have done a search on his address? Anyway it got refused unsurprisingly. There are no other links to that address on the credit report and no other searches from outside companies so how did PE obtain this address without a search on her credit report? It should be said copies of all pcn's where included so now we have copies of the original ones that were never received for some unkown reason - exactly the same as 8 mins one (but this one for 21mins over an hour) - stating keeper liability and all addressed to Scottish address. Now on to another matter............yesterday she informed me she has another pcn from a different company and now received a 'legal' letter. I've attached the 3 bits of info she has given me. I'm just worried these may try the same trick, so is it worth actually contacting them before it escalates further and state the no keeper liability in Scotland defence as they are claiming it as keeper liability -  and that she doesn't recognize the offence? Would you believe she actually got this pcn when they went to look at buying a car as mentioned above...............just incredible! Thanks. T. PCNG24.pdf
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    • 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.

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      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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Hi Everyone,

 

My father passed away on the 03.03.09 after a sudden illness. He left a credit card with Capital One with a balance of £800. He had been paying the protection insurance for death, injury etc so i informed Capital One over the telephone of his death and duly sent in a death certificate as requested.

 

A week or so later i recieved a letter from them asking me to contact AXA insurance, where i was then told that he was not covered as he was over 65. My Dad died aged 66 and 5 months, so therefore he had been paying the premiums for some 18 months for nothing.

 

I filled in a form saying that there were no assets and nothing available for creditors, which there isn't, and have just received a letter from Capital One saying there is £700 available for creditors from his estate and they want a prorata offer. (I dont have a clue where they got this figure from!)

 

I have checked thoroughly through Dads paperwork form the last few years and i cannot find any letter from Cap One saying that his insurance is now worthless now that he has hit 65, or any other correspondance except monthly statements in fact.

 

Every other company that i have spoke to after his death have been marvellous and could not do enough for me except Capital One which incidentally was the only one that he had insurance on in case of death.

 

This is now starting to affect my health and the greiving process which surely i am allowed to have.

 

Any help would be greatly appreciated.

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Hi Everyone,

 

My father passed away on the 03.03.09 after a sudden illness. He left a credit card with Capital One with a balance of £800. He had been paying the protection insurance for death, injury etc so i informed Capital One over the telephone of his death and duly sent in a death certificate as requested.

 

A week or so later i recieved a letter from them asking me to contact AXA insurance, where i was then told that he was not covered as he was over 65. My Dad died aged 66 and 5 months, so therefore he had been paying the premiums for some 18 months for nothing.

 

I filled in a form saying that there were no assets and nothing available for creditors, which there isn't, and have just received a letter from Capital One saying there is £700 available for creditors from his estate and they want a prorata offer. (I dont have a clue where they got this figure from!)

 

I have checked thoroughly through Dads paperwork form the last few years and i cannot find any letter from Cap One saying that his insurance is now worthless now that he has hit 65, or any other correspondance except monthly statements in fact.

 

Every other company that i have spoke to after his death have been marvellous and could not do enough for me except Capital One which incidentally was the only one that he had insurance on in case of death.

 

This is now starting to affect my health and the greiving process which surely i am allowed to have.

 

Any help would be greatly appreciated.

 

CC Debts are personal and cannot transfer, if your dad left no estate, i.e. bank accounts / savings accounts / property then there is nothing they can do to reclaim this money from you.

 

As to where they got the £700 from I can only surmise that possibly there is an account entry on his credit file which shows a balance?

 

Also If they have charged him premiums since he hit 65 when clearly the policy THEY SOLD him would not cover him then personally I would tell them to offset this amount that they have taken from him wrongly against the outstanding balance and that is all they will get.

 

S.

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Thanks Shadow,

 

I phoned them yesterday and accused them of STEALING money from him for the last 18 months, maybe not the right thing to do but what the hell!, told them i was reporting to the Ombudsam, FSA, BBC watchdog etc etc.

 

An hour later someone called me back saying that they were closing the account with no more to pay!!

 

RESULT

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Thanks Shadow,

 

I phoned them yesterday and accused them of STEALING money from him for the last 18 months, maybe not the right thing to do but what the hell!, told them i was reporting to the Ombudsam, FSA, BBC watchdog etc etc.

 

An hour later someone called me back saying that they were closing the account with no more to pay!!

 

RESULT

 

Well done! Just goes to show the lengths these firms go to make a little money. Another victory for the little man (no offence intended)

 

S.

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