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    • 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.
    • 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!
    • 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.  
    • 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!!
    • 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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      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.

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In for a penny!!!


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Just when I was thinking I needed someone new to go after my data arrives yesterday. Spent the evening going through with marker and sent off prelim today. This is great 'cos they only sent me data from 2002 so I can now request the rest back to the 1980s (in theory anyway) while proceeding with this claim. Any idea how far back Halifax data goes people?

 

 

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Oops. 14 days are well and truly over. Never mind, waiting for my new WTC/CTC award letter to arrive so I can claim remission. LBA going in post tomorrow. At this rate I will have 4 seperate claims to file in a fortnight. That'll keep me out of mischief. Will all 4 settle before we go on holiday in August? Come on as usual Howard, I need my extra. 8)

 

 

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It does help Lorraine if you don't send them a bouncing cheque!!!! Silly me. I was busy with other claims so didn't get round to sending a non-compliance letter. I have claimed late/overlimit/unpaid cheque fees and don't forget to add your £10 sar fee. I like Vampiresse's spreadsheets and I have used nos 14(a and b?) which works out 'bank interest on penalties' in last column adding quite a bit onto my claim before I file at court. I only go for statutory as I couldn't get my head round contractual 100%. Now I'm curious so off to Vamp's chambers to see what I will be claiming when I get to court. All the very best with your claim, Sally

 

 

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Thanx very much for that sally i shall be sending SAR to credit card,

Hi I had a claim with the Halifax going for 2 months, they paid the full amount into my account today £5635.05.

N1 filed 23rd May 2007

Deemed served 25th may 2007

Acknowledged 1st June 2007

Keep on fighting and you will get it.

Heres some helpful numbers 01422 391096 or email

[email protected]

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Hi Sally

 

Just caught up with your own thread. Incidently I am also on a payment arrangement through CCCS which includes the Halifax credit card. Assuming you are keeping up the monthly payment to CCCS, there is no way they should have issued a default notice.

 

Have you had any response to LBA?

In my own case, knowing they would never meet the deadline, I gave them a couple of extra weeks and then made a chasing phone call which seemed to do the trick - xtra patience for xtra money!

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Yes, today. It just says I am not going to have the charges refunded as they were applied as per my original agreement. Quick turnaround - I only wrote on the 19th. I will just have to check they have not defaulted me and proceed to court then. I had kept up the payments via the cccs but apparently the arrangement should have been reviewed sometime in the last few months. News to me.

 

 

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Thanks Brett. Wonder why I need a review then. They probably do a spot check now and then. Whe this postal strike is over I have a second request going off for all data going back to the year dot - well as long as they have records for that is. The cccs will be very happy for me.

 

 

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  • 2 weeks later...

Can I throw my toy out of the crib then!!! Just used the rejection letter offering them 10 days to settle. BUT I WANT MY 8%. Still, fair play and all that. Hope they don't settle. If they do offer to but refuse to remove default notice can I still proceed to court as this is one of my conditions? Seems fair to me.

 

 

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Dont worry Sally,

The chances of them settleing as you know is small, so then you go all the way...:D

 

Have a read of Doos cap one thread, she has had her default removed, and she has taken it all the way.

HOW TO...DUMMIES GUIDE TO CAG...Read here

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As a 'goodwill gesture' they have offered me half what I am claiming. Just like the currant a/c then. Rejection letter going in post tomorrow. Will be filing at court next week.
hi sally nice to here from you again !

They did the same thing to me last week and offered me half of what i was claiming and before i could know the money was in my account , i then phoned them straight away and told them to take it back .mentioning to them that i have started court proceedings, and written a rejection letter. Then they changed and said that was a part payment so eh! i have a feeling they are loosing the plot!

I M just waiting for them now !:twisted:

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You're a hard woman ND. Remind me not to cross you - ever!!!

 

Thanks SSL. I had completely forgotten about Doo's cap one thread. Will look it up later. 'Course they won't settle.

 

All this lovely rain and what am I doing in the garden? Digging up and removing bog garden 'cos it got too dry last year and creating lavender garden in it's place. Bog garden going at the bottom of the garden where it is shady. Should I ask Monty Don's advice do you think? I still think the planet is warming up so there.

 

2 of the kittens went to one good home and I only have 2 adults and 2 kittens now which makes the food bill much better. They all get on well too.

 

 

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Hello again Sallly

I was in exactly the same position as you, with the initial half offer on credit card having previously had a full settlement on the bank account.

I made a specific point in the rejection letter of stating the precedence of a full settlement from their brothers in banking (quoting the account and settlement reference) and expecting similar treatment on the credit card front.

This did the trick and they coughed up a full settlement, although admittedly it was some way past the deadline stated in the letter and I was hovering on MCOL. I did the same with MBNA with the same result, saying my son had previously received a full settlement.

The 8% interest can be quite chunky if some of the charges go back awhile so my advice would be stick to the deadline, knowing Halifax hav'nt a chance of making it, and go for court!

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Thanks Brett. I have another claim going through for currant account so I might use the strategy you have employed when it has been served next week. Could do with some extra for summer holidays.

 

Not used to this early start. My youngest has gone off to France for the day with school and I have to pick her up around midnight.

 

 

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  • 2 weeks later...

Filing at court tomorrow - and this time I remembered to ask for default to be removed in my POC. Another one to bite the dust then. Strange to realise I sent off for data last November, but what with other things in the pipeline and issuing 'bouncing cheque' it has taken this long. Note to self - read 'Doo's cap one' thread

 

 

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Hi Sally, have finished my cap one claim now, think I have taken it as far as I can BUT got default removed plus the late markers on my credit file, it all shows a lovely row of 0's now, in my POC as well as asking for default removal I also asked for all negative info to be removed. Good luck, I will be watching, just stay firm and don't accept funds till they confirm they will remove default.:D

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Hiya guys!!:D

 

Looking at this page is like looking at the old threads. :D

 

Doo did you get your last £100 back??

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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No, Cap One in no-uncertain terms told me that the £200 GOGW more than covered this. Just did not think it was worth carrying on with - a big part of my decision was also that my local court send claims to Southend which is quite a way away from here - not worth the hassle. Anyway, I now have Barclaycard and Abbey to fight lol :D

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So your gonna be around for a while yet!!

 

I have an abbey one my freind just asked me to do. She got as far as court and part payment, and panicked!!,

Oh well, just add it to the pile...*sigh*

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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