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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Hotel not refunding my money


leslety
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I had placed a reservation with a hotel in London but had to cancel a week prior to the date I was due to stay at this hotel. I had sent them my request to cancel via their contact us form which is on their website (Hotel accommodation in London Kings Cross - Wardonia Hotel)

 

After returning from my travels I find they had deducted the money from my bank account anyway. I have waited on a reply from them via email for 11 days then after that almost a month to get another reply (even then, I had chased it up) and they are now telling me that they receive nothing from this form and that they are very sorry as it has happened to another customer and they are "working" on removing this.

 

I'm just not happy at all. This form jumps out at you as soon as you visit that page and there is absolutely no warning that it does not work. I had no reason to believe it did not work! As I was travelling I had no spare time to ensure this was cancelled, I trusted this form worked and would deliver my request to cancel to them.

 

Am I just being stubborn and wasting my time here? Do I have any rights? I don't feel like giving up yet!:cool: but a tiny part of me thinks I am maybe in the wrong here given the fact I could be lying but I want to check anyway, any advice would be much, muchly appreciated!!

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you have every right to a refund.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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How long had you booked for and how much did they take? According to their own terms (which can only be found on the reservation page, VERY poor form), they'll only take 1 night accomodation if you fail to cancel in time anyway.

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from doing a bit of research most consider 3 days notice sufficient warning to not incur a charge you should get your money back in full.

 

just as a side note: if you paid by credit card, do a chargeback.

 

now the email was a good idea, but sadly it was done online at their site, you could however indicate you have proof from your computer by looking at the history tab that you visited the site on the day you cancelled.

 

if its their website thats failed you should not have to be penalised for it!

thats their tough luck!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It is a fact that all things done on a computer are logged by the computer and are not erased.

Data is not erased even if you format the drive, so you would not be telling any lies.

 

If you delete an email, it goes into the 'Delete que', if you then delete it from the Delete que, it is still not deleted, just the name of the file is altered so it cannot be seen any longer, but is still there to be found if your looking for it, as long as it hasn't been overwritten with something else.

Edited by Conniff
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It is a fact that all things done on a computer are logged by the computer and are not erased.

Data is not erased even if you format the drive, so you would not be telling any lies.

 

I know, I'm just worried they might turn around and say yeah sure get him down:p I know this isn't likely but I like to cover my back.

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Were you not concerned that there was no acknowledgement from them CONFIRMIMG the cancellation? For the last 4 years or so, I always distrust systems and would again contact them, or use a different method - ESPECIALLY when they have the ability to take money from me.

 

Many hotels use intermediate consolidation booking services, that will email the relevant hotel on behalf of the customer, but as these are intermediaries, a cancellation to them is NOT the same as a cancellation directly with the hotel. I agree, it may be difficult to tell - but if they were not aware of your change of mind, and the room was held for you on the basis of the CC number you gave, that cost remains legitimate.

 

A chargeback will also probably not be successful, as they'll simply say you hadn't cancelled and the charge is correct, as I assume the £45 is just one night's accommodation.

 

If you give out your numbers for anything, and you change your mind - you need valid confirmation of cancellation, it is not sufficient to hope it gets through. You should be given a cancellation number that can be used to rebuff any erroneous charge.

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Like I said I was travelling and so I had no access to emails at all. This is the first time this has happened to me so obviously I will now learn from this "mistake". I had no reason to distrust their website, if I could trust they received my reservation via their website (which they did) why should I not trust they would receive my cancellation in a similar way? Had I had access to emails I would have been concerned if I had no confirmation but this was not possible.

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In the last 5 years or so - the 'cancellation number' is your protection against such charges. Disputes over whether notice was given or recieved were legion, as were the disputes. The provision of the number put paid to this, as it was evidence thaqt you spoke with someone and if they subsequently failled to process the cancellation, they carry the cost - not you. Neither do I think it was a mistake on your part - until it happens, you'll remain unaware that such a thing exists!

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Not at all - but don't be surprised if you don't get anywhere. An acknowledgement that the cancellation has been noted and processed provides verification. It won;t be for the first time that someone has claimed they cancelled and for one reason or another, the message didn;t make it. Paying with plastic has its downside too, as you are no longer in control, and this should be remembered every time the number is given out. Demanding a chargeback is no longer the easy redress it once was. With a cancellation number, it becomes a no contest.

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