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    • Many thanks for the replies and advice!   I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated.   [email protected] [email protected]   Re: MET Parking PNC at your Starbucks Southgate site   Dear Ms Rayner, / Dear Heather Christie,   I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s).   Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX   After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television.   It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company.   In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper.   It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015.   I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client.   Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’.   However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015.   As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice.   Kind regards
    • I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
    • Please post up their letter so we understand what they've asked. You need to cover up your name and address and their reference number. HB
    • Hello,  I received the standard letter.  I don't understand No. 3: If this is in relation to a ticket irregularity, then if you were unable to produce a pass because you did not have it with you or if your pass was withdrawn because you were unable to produce a valid photocard to accompany it, please enclose a photocopy of the pass/photocard with your reply. Question: do i enclose my photocard? my partner's freedom pass was confiscated.
    • LFI is spot on. In fact you could sue UKPC for breach of GDPR, as UKPC knew full well right from the start that their case was hopeless.  They should never have asked for your details from the DVLA. Take some time to think if that is a road you want to go down.  
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GE Woodchester Car Finance loan to Link Outsourcing


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I would suggest you put together all the information you DO have and make a formal complaint to the Financial Ombudsman and ask for their assistance. You can say GE Woodchester are being obstructive over the ppi issue and can they help please.

 

You could if you wish telephone them first and ask where you stand.

 

If you opt for the complaint to the FOS then let GE Woodchester know that you ahve done and say you will advise the FOS ref number as soon as you have it.

 

Thanks CB,

 

Everytime I mention FOS they state that I cannot use this line of complaint as they were not regulated at the time of the agreement, THEY say I am only able to use FLA to which they are members.

 

The letter they say that they sent giving me 14 days to respond if they were to investigate couldnt have been sent as stated, I posted letter 28th Jan, allowing 2 days for delivery + another 2 days being a weekend means that they had just two days to process & turn out that letter and 'alledgedly' post the reply.

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Hi beachy,

 

I think people who have helped you are still around, but perhaps can't quite face reading the 140 posts on your thread.

 

Personally I have been trying to help a few different people and can't quite remember all the details of your case.

 

Did they ever produce a CCA signed by you?

 

Didn't we say that there are some unenforceability issues that PT raised?

 

It cannot do you any harm to complain to the FLA and would probably buy some time as well. Who knows, they might even find in your favour!

 

Nobody is ever going to be more informed about your own case than yourself and so you will ultimately have to make a decision whether you are confident enough to stop paying and face the inevitable phone calls, possible home visits, and possible legal action.

 

All of which is defendable if your case is challengeable, and if you have the stomach for it.

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Consider myself told off ! ! !

 

I was only looking for moral support, inview of GE digging their heels in even to the point of stating that they had replied to my last letter giving me 7 days in which to challenge them - although the timescales involved proves that their letter was not sent!

 

Yes my cca is posted on this thread, yes PT has said its flawed, but since then I seem to have been deserted HENCE posting for advice to throw back at GE.

 

Yes I have stopped payments, yes I can handle the phone calls, yes I am prepared to go the distance even if it means court!

 

I have already stated my concerns over going to the FLA (think this is confirmed by GE desire to push me in that direction).

 

As I said all I was after was a bit of moral support, all this is completely new to me, told what was wrong with the agreement then nothing.

 

Perhaps I should employ the services of a consumer solicitor to sort it out.

 

I just afraid of saying the wrong thing & screwing everything up.

 

Thanks for your input, sorry its 140 odd posts !

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Consider myself told off ! ! !

 

.....

 

As I said all I was after was a bit of moral support, all this is completely new to me, told what was wrong with the agreement then nothing.

 

.....

 

I just afraid of saying the wrong thing & screwing everything up.

 

Thanks for your input, sorry its 140 odd posts !

 

Sorry beachy, I didn't mean it like that. Reading back on my post, I guess it wasn't that helpful to you, especially if you are looking for moral support.

 

It is a very difficult point for many people when you stop paying and the creditor starts trying to raise the stakes and threatening you with all sorts of things.

 

It is useful to be able to come on here and get reassurance.

 

One thread that people seem to find helpful is this one:

http://www.consumeractiongroup.co.uk/forum/legal-issues/108467-basic-introduction-consumer-credit.html

It makes you realise that even the worst that they can do to you isn't that bad.

 

In the meantime for your case, if you are prepared to fight them, and you are confident that your understand the arguments put forward by PT, then I would say definitely stay determined and think carefully before taking on a solicitor, as this could cost you a lot of money, with no greater guarantee of success.

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sorry beachy,

 

Im very busy hence why i havent had the chance to look in on your thread, may be worth giving steven4064 a shout , he may be able to help as im away for a while

 

Thanks PT,

 

I do understand that you are extremly busy & I do value your help and assistance (even though I dont fully understand the legal stuff).

 

My biggest problem with GE is that I just cant penatrate their customer service bods.

 

Will contact Steven as suggested.

 

Regards

 

Beachy

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Sorry beachy, I didn't mean it like that. Reading back on my post, I guess it wasn't that helpful to you, especially if you are looking for moral support.

 

It is a very difficult point for many people when you stop paying and the creditor starts trying to raise the stakes and threatening you with all sorts of things.

 

It is useful to be able to come on here and get reassurance.

 

One thread that people seem to find helpful is this one:

http://www.consumeractiongroup.co.uk/forum/legal-issues/108467-basic-introduction-consumer-credit.html

It makes you realise that even the worst that they can do to you isn't that bad.

 

In the meantime for your case, if you are prepared to fight them, and you are confident that your understand the arguments put forward by PT, then I would say definitely stay determined and think carefully before taking on a solicitor, as this could cost you a lot of money, with no greater guarantee of success.

 

Hi MC,

 

No problem - although I have to admit the red mist decended whilst reading your post.

 

I was extremely disappointed with GE letter stating that they wrote to me in Feb (I know dam well they didnt - their date on the copy of the letter does not tally with my letter - 5 day turn around including post days + two of those were a weekend, still I suppose its another tactic in pressure & confusion they use.

 

Once again no problem

 

Beachy

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Beachy, sorry I have been away for a few days on family business:(

 

Did you speak to the helpline at the Financial Ombudsman. As someone recently pointed out they are probably less use than a chocolate fireguard, however they do sometimes give useful advice.

 

Another route could possibly be to speak to the Information Commissioner's office. If GE are refusing you information then that is something they will deal with.

 

Sorry, who are the FLA ??

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CB,

 

Sorry couldnt reply sooner, mother-in-law rushed into hospital suspected heart attack (in her 80's), thankfully she's OK.

 

No not had the opportunity to speak to FOS & IMO yet.

 

FLA is the Finance & Leasing Association to which GE Woodchester are members.

 

missed two calls from the lewis group this morning - possibly GE have gone ahead and employed DCA over this.

 

Beachy

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Sorry to hear about your MiL, must have been a bit scary at the time. I am pleased to hear she is ok :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for the PM Steven.

 

This started initially as a ppi reclaim, as I was self employed at the time and that the loan would stand a better chance of approval if I bought the ppi.

 

PT has found that the agreement has flaws within it, GE state that its fully enforceable and that the ppi could not have been added into the agreement as it was a monthly charge - however checking the statement paperwork again this week I noticed that the PPI element WAS added to the loan upfront (not shown on the agreement but shows in their statement as amount advanced, opening balance (just over £16k :shock: ).

 

My 'goal' is that the account is closed with a zero balance and any adverse markers removed from the CRA's and forget about the ppi issue.

 

Beachy

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Probably then you should write to them explaining in detail the flaws in the agreement and stating what you want. Treat it like a prelim.

 

Personally, I would leave the reclaim of PPI in as you could then use that as a basis of a court claim - it would be diffficult on the other bit, IMO

 

 

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"Personally, I would leave the reclaim of PPI in as you could then use that as a basis of a court claim - it would be diffficult on the other bit, IMO"

 

Thanks Steven, not quite sure what you meant by the above.

 

Loan taken out Dec 2004 just before they became regulated.

 

It has been pointed out to them the flaws in the agreement, their responses are posts #78 & #100.

 

Agreement is in post #44 & #46

 

PT's findings is post #52

 

PT's letter that I sent post #62

 

Thanks again

Beachy

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What I meant was that, if you take them to court, you need a reason for the claim. Not having a valid agreement is difficult - you wouldhave to go fro a ruling under s142. Recalaiming PPI is much easier IMHO

 

 

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  • 4 weeks later...

things are very quiet at the moment.

 

One GE agreement I've been told is improperly executed so as far as I'm concerned is dead, should they decide to go to court then it's a complete counterclaim from me.

 

Awaiting full sar on GE/Debenhams - also CL Finance claim to own the debt but have failed to provide cca so that ones now in dispute.

 

Beachy

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  • 3 weeks later...

After several months of silence & no payments being made, I have just received an I&E review sheet to complete and return, also thanks me for payments up to date ? ? ? there hasnt been any.

 

Failure to provide the information necessary to review my financial situation may result in pro rata agreement being withdrawn (stopped months ago following PT's findings) and full enforcement being impliemented.

 

No phone calls, no letters until now.

 

Any advice peeps/pt

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  • 3 weeks later...

Could do with some help on this one now.

 

About 10 days ago I received a letter stating that GE has been sold to Santander banco and will be trading as Santander Consumer Finance UK.

 

Today I received a very stroppy letter from Santander stating that if I dont pay the arrears within 7 days the debt will be sold to a specialist debt collection company and the debt enforced by legal action.

 

As the agreement is improperly executed, in dispute over this and mis sold ppi plus I now learn that they are adding arrears fees to the account what is the best step to take over this.

 

PT if your around mate.

 

Beachy

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Today I received a very stroppy letter from Santander stating that if I dont pay the arrears within 7 days the debt will be sold to a specialist debt collection company and the debt enforced by legal action.
Were do you start?

 

1. THey cannot sell the debt to anyone without sending you a proper defulat notice

 

2. they cannot start legal action without sending you a proper default notice

 

3. the default notice has to give you 14 clear days to pay te arrears

 

4. All the other theings wrong that yuo list in your post

 

Hasta la vista Santanda

 

 

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