Jump to content


  • Tweets

  • Posts

    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
  • 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

Capricorn v Lloyds


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3871 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 375
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

you might have to explain that one.

 

not quite sure how to! in my sa r it showed details of a 'router account'. there seems to be some issue as to whether or not a router acc is legitimate.

Edited by Ford
typo correction
Link to post
Share on other sites

here are some eg's on cag re app'n forms enforceability (although not loydsRtsb)

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/609-mbna-agreementsapplication-forms

 

ps, just a thought, but you may want to consider sending them the 'app'n form' letter adding that what they sent you is unreadable.

 

could you point me in the right direction for this one please

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

just looked through and there are references to router (not sure what it means). The header page does say current router PP0. The references in the doc are eg

 

Start of PCO Router

Start of Cycle 6 Router.

 

dont suppose you could translate some of these:

 

DCA Pilot - Monitor (P+)

Charge off to Recs

End of Kernal Router

Start of 1st Place DCA Pilot

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

can anyone comment on the application form/cca? i think I need to respond to them and am getting panicy. Havent really slept all night and kept waking up with all this on my mind. Even thought I should contact them and see if I couuld get a settlement. Anything to make this all go away.

 

What does anyone think I should offer them. Its going to be a struggle to get money together to pay them as my hubby is out of work and my salary doesnt cover our household outgoings.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

hi sheena

 

havent seen you around lately.

 

LLoyds have had their hand forced by the ICO and have located an application form from1998 although the initial account was opened in 1994. It does contain my signature, but they included a set of T&Cs headed bank copy. Not sure where I stand on all this and could do with the greater and good to offer their opinion and advice. As I said earlier, my nerves are shot and am constantly close to tears and have migranes on a daily basis now. Didnt sleep much last night worrying about all this and I want it to end. My husband was made redundant at xmas so we are surviving on my salary and the bit of money he was given. But that will run out soon. I really dont know what to do for the best.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

Calm down Capricorn, fellow migraine sufferer myself, just send them the standard letter re it not complying and being an application form, you can worry about that second page later, look at things like the penalty charges and see if they tie in with the year of issue and anyway if as someone pointed out its illegible that will also make it unenforceable. Don't worry about the 7 days threat, these poeple do this all the time, its meant to and does make your blood run cold, they will not be able to do anything without a court order and a Judge would not make you pay more than you can afford. When in doubt, have a look at the legal successes forum, there are lots of people on there who have gone thro exactly the same worries and won , chin up and hugs to ll:)

Link to post
Share on other sites

so this is that was amongst the SAR:

I would write back to them, thanking them for their efforts, however could you have a legible copy.

 

Add that you do not recognise the Terms and conditions sent as a separate document as the front is not linked in any way to the T&C's.

 

Tell them that you are suspicious of the connection between the 2 pages and that you would like to view the original document at your local branch. Failing that you need a signed statement from a senior official at the bank, confirming that the T&C's were indeed coppied from the reverse of the original, as they will need that document should it ever go to court.

 

Obviously the T&C's being headed Bank Copy, they cannot be the actual terms. There are no printers codes on page 2.

 

From an s78 point of view, they would have probably complied if you could read it easily, but past that they have not.

Link to post
Share on other sites

Thanks Vint and Miss Muppet

 

Should I also add that what they have sent is an application form and not the CCA?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

  • 3 weeks later...

just had a reply back from lloyds:

 

Thank you for your letter

As requested, please find enclosed the best possible copy of your credit card agreement. I must advise that as the document is held on microfiche it will not be possible for you to view it in branch. However I can confirm that both pages do made up your credit agreement.

I hope that this answers your queries….

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

just had a reply back from lloyds:

 

Thank you for your letter

 

As requested, please find enclosed the best possible copy of your credit card agreement. I must advise that as the document is held on microfiche it will not be possible for you to view it in branch. However I can confirm that both pages do made up your credit agreement.

 

I hope that this answers your queries….

 

hi,

 

:) imo, it's not legible, so how can the J determine on it if he/she can't even read it!? is microfiche acceptable?

Edited by Ford
correction
Link to post
Share on other sites

the second copy is clearer, but still doesnt link the two pages together, i only have their word for it and why would it have bank copy as a header.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

the second copy is clearer, but still doesnt link the two pages together, i only have their word for it and why would it have bank copy as a header.

 

how clearer? is it legible?

Link to post
Share on other sites

just about readable

 

is all of it readable? if there is no clear reference/link to tc's (of which must contain the prescribed terms) then it could be unenforceable.

Link to post
Share on other sites

It is just about readable. very small print but you can just make out what it says. \

There are no clear references to the second page. And not sure the alleged second page contains prescribed terms. How shold they appear?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites

It is just about readable. very small print but you can just make out what it says. \

There are no clear references to the second page. And not sure the alleged second page contains prescribed terms. How shold they appear?

It needs to be clearly legible and I would argue now, that the terms are not those on the actual agreement and that it is illegible.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...