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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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Sarah V Abbey *** WON ***


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still no word, called court today and they said i should have heard by friday if not call again. havent done anything about the letter i received.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Any ideas?
Refer them to section 13.9 of The Banking Code, which states that they will not post anything to credit reference agencies while the account is in dispute. I would also tell them that if they do say anything prejudicial about you to the CRAs you'll just amend your claim to have it removed.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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its short and sweet- does this say enough?

 

We are writing in response to your letter dated 16/09/06 informing us of your intention to register default information against us.

As this account is currently in dispute may we refer you to section 13.9 of the banking code which states that you may not post anything to credit reference agencies while the account is in dispute. We would also like to inform you that if any thing prejudicial about us is passed to the CRAs We shall amend our claim to have it removed.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Sounds fine to me. Concise, to the point, says what it means.:)

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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abbey are soooo funny NOT! received letter today acknowledging my letter of 3rd Aug (the one that says 7 days to respond or i'll take u to court! too late i already have) They apologise for the delay in replying (!)

 

the letter says ' i understand you have already received details of the transactions and charges that are held on our computer system, which was sent to you free of charge (not true, i sent a postal order) within 40 days. you have therefore been given all the transactional data that you are entitled to under Data Protection Act. any details prior to this have been archived onto microfiche. as microfiche records are not held as part of a current filing system, they are not covered by Data Protection Act and will therefore not be provided to you under S.A.R - (Subject Access Request). i can arrange to send you this info, however it is not subject to the 40 days statutory time period. to cover our admin costs, there is a fee... for archived microfichecovering more than 1 months worth of transactional information, the fee is £10 per account.....' blar blar blar.

 

is it even worth replying? why is it none of the shabbey departments seem to speak to each other? I went to the court today to file a claim against GE money, but thats another story.... Anyway I checked progress on this abbey claim and was told it went up to the judge on 22nd so should hear by next week. any advice on the above :-| greatly received.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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  • 2 weeks later...

received letter from abbey dated 10th oct , its the 'sorry that you have been so happy that you felt you must complain...'letter. Don't they know that i'm so unhappy i have started court proceeding against them?!!!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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I hope you read the report on the findings of the investigation into the Abbey Microfiche argument Sarah......... look in the Abbey Section.

 

I summarises that the findings are that the Microfiche system is a relevant data filing system and as such comes under the DPA.

 

Contact them Monday quoting this and ask what you may........... but don't give them a further 40 days or more than a week.

 

Their sorry ass's are yours.............:D

srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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got letter today in reply to my letter of 26th sept telling them they must not give information to credit reference agencies as this account is in dispute. They say ' I understnad that you disagree with the charges and the balance on the abbey bank account and are seeking a claim against us. However, abbey do not consider your account to be in dispute as the charges are valid under terms and conditions of the account. Therefore i cannot uphold your request' blar blar referring me to fos.

 

they are total b*****! Rang court again today and was advised hearing date has been set for early december and to expect confirmation in post soon. Bring it on abbey!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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Received 'notice of pre trial review' @18th December @11am with District Judge Rutland - time to get a court buddy!

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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am looking thru all my stuff regarding this case- tring to get it in order! just a quick question- as this abbey account is still active (now without an agreed od) the charges are still amounting- can i add these to my claim and take them to court? or do they have to go on another claim?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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am looking thru all my stuff regarding this case- tring to get it in order! just a quick question- as this abbey account is still active (now without an agreed od) the charges are still amounting- can i add these to my claim and take them to court? or do they have to go on another claim?

 

also i havent claimed 'interest incurred while you were overdrawn' before but now as they have cancelled the overdraft it is nearly £50 per month- can i get this back too?

 

thanks for any help!:-)

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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got letter today in reply to my letter of 26th sept telling them they must not give information to credit reference agencies as this account is in dispute. They say ' I understnad that you disagree with the charges and the balance on the abbey bank account and are seeking a claim against us. However, abbey do not consider your account to be in dispute as the charges are valid under terms and conditions of the account. Therefore i cannot uphold your request' blar blar referring me to fos.

 

they are total b*****! Rang court again today and was advised hearing date has been set for early december and to expect confirmation in post soon. Bring it on abbey!

Thay don't consider the account to be in dispute??? Why are they going to court then? I would write back telling them that you note their comments, and that you've added their letter to your claim documents at the court. When the review hearing comes along you can ask the judge to order them not to send anything to CRAs while the matter is ongoing, and to remove anything that they've posted in since the dispute began. Make sure to include the relevent sections of The Banking Code.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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thanks very much for your reply, will sort that letter and get it out as soon as i can. thanks again robertx c.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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am looking thru all my stuff regarding this case- tring to get it in order! just a quick question- as this abbey account is still active (now without an agreed od) the charges are still amounting- can i add these to my claim and take them to court? or do they have to go on another claim?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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please help - i need to know whether i can add the still amounting charges to this claim or whether i have to start a new one?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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I'm not sure about the procedure in England. I suggest you phone the court and ask them how you amend your statement of claim.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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right, have been reading lots of faqs and stumbled upon lisamellor v abbey- very helpful indeed. i am going to follow her lead and call abbey tomorrow and ask if they want to settle, 1 small problem is i am missing all statements between july 2001 - aug 2004 (microfilche) . am eager to get this resolved as quickly as possible, would it be acceptable to estimate for this period when asking to settle?

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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called today to ask if they would like to settle. they took my number and said they will call me back next week. whilst i wait for that i will continue to assemble my court bundle.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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called today to ask if they would like to settle. they took my number and said they will call me back next week. whilst i wait for that i will continue to assemble my court bundle.
You phoned them and asked them to settle? :confused: Generaly speaking, we advise people never ever to phone them once a claim's started - especially not to ask them to settle! When you do that, what you're really doing is saying that YOU want to settle, and that puts you in a very weak position. :(

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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i called them after reading lisamellors thread in which she called them and then got a full settlement.

 

how does this weaken my position? :confused: i asked them if they would like to settle, however if they decline i will go all the way at court on 18th December.

I've beat HSBC, GE Money and Abbey

 

Court pending V Barclays and Time Retail

 

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