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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi

 

I have received a PCN from the above company. I have read a lot of the previous threads but they all seem to be from people who have exceeded the time limit. The car park that I was parked in has 90 minutes free parking.

 

Now, my PC was with PC World for upgrading & this car park is to be used by their customers. I parked in the carpark & called into PC World at 11 in the morning to enquire if the PC was ready as it is murder to speak to them on the phone. I then drove out of the car park & went about my business for the rest of the day. PC World rang me at home in the evening & my wife collected the PC. We couldn't get the PC to load so drove back to PCWorld, sorted out the problem & drove home again. All in all we paid 3 visits to the carpark, not even exceeding the 90 minutes in total all day.

 

Surprise Surprise I recd a PCN showing the car entering on the 1st visit & the car exiting on the last visit.

 

I know the common sense option would be to ignore this & they will eventually go away, but part of me wants them to take me to court. Has anyone actually been to court with them?

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I agree, this would be brilliant before a Judge. Would make the G24 look incredibly stupid.

 

TFT

09/07/09 :)Business Studies BA(Hons) 2:1:)

 

eCar Insurance overpayment - £325

Settled in full - 15/09/08

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Settled under hardship scheme - 08/06/09

Natwest Business A/C bank charges - £60

Settled in full as GOGW - 20/04/09

Santander Consumer Finance late payment fees - £60

Part settled for £48 - 01/03/08

Peugeot Finance late payment fees - £50

Settled in full before county court hearing - 01/09/09

Peugeot Finance overpayment of £247

Settled in full - 01/12/08

Valley Leisure - complaint about collections agent

£160 part refund of gym membership in compensation - 01/02/09

HFC Bank - complaint about payment deducted from my account on wrong date

GOGW £10 - 01/05/09

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G24 don't do court. they know their claims are bogus and a judge would hammer them into the ground. In THIS CASE ONLY I would write back to them with just a very short message "See you in court".

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  • 2 months later...

Well Just to keep you updated.

 

I sent them a letter explaing what happened to give them the opportunity to cancel the charge but if they intended to persue then to give me the court date & I would provide the court the evidence that the car was elsewhere for the majority of the time they say it was in the car park.

 

Needless to say they ignored my letter so it is only polite that I now do the same to theirs!

 

I am now on the 1st debt collectors letter from CCS Collect

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I have just received a pcn from this company on very similar and ridiculous terms.

 

My car is alleged to have parked unauthorised in the car park for 524 minutes but at no stage does the photographic evidence show that I have stopped or parked at the site but only that I was driving through the site on 2 separate occasions. The photographs completely omit the fact that there is also an exit to the car park at the other side leading onto where I was able to exit the site as soon as I had driven in.

 

I had parked my car outside a friend's house and in the morning had to drive through the car park again, at no time stopping or parking. It is so ridiculous I thought it was a joke at first.

 

I have written to the DVLA to say that my details have been obtained from them unlawfullly so hopefully they take some action.

 

Please keep me updated on your claim and let me know what happens with the debt collectors and any possible court action.

 

As my username suggests, I am a law student and will be going to my tutors who are all qualified lawyers to ask them what to do.

 

Hi

 

I have received a PCN from the above company. I have read a lot of the previous threads but they all seem to be from people who have exceeded the time limit. The car park that I was parked in has 90 minutes free parking.

 

Now, my PC was with PC World for upgrading & this car park is to be used by their customers. I parked in the carpark & called into PC World at 11 in the morning to enquire if the PC was ready as it is murder to speak to them on the phone. I then drove out of the car park & went about my business for the rest of the day. PC World rang me at home in the evening & my wife collected the PC. We couldn't get the PC to load so drove back to PCWorld, sorted out the problem & drove home again. All in all we paid 3 visits to the carpark, not even exceeding the 90 minutes in total all day.

 

Surprise Surprise I recd a PCN showing the car entering on the 1st visit & the car exiting on the last visit.

 

I know the common sense option would be to ignore this & they will eventually go away, but part of me wants them to take me to court. Has anyone actually been to court with them?

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My car is alleged to have parked unauthorised in the car park for 524 minutes but at no stage does the photographic evidence show that I have stopped or parked at the site but only that I was driving through the site on 2 separate occasions. The photographs completely omit the fact that there is also an exit to the car park at the other side leading onto where I was able to exit the site as soon as I had driven in.

 

Don't get too carried away about the photographs, they are evidence of nothing.

 

I had parked my car outside a friend's house and in the morning had to drive through the car park again, at no time stopping or parking. It is so ridiculous I thought it was a joke at first.

 

These ppc's are a joke.

 

I have written to the DVLA to say that my details have been obtained from them unlawfullly so hopefully they take some action.

 

How have they obtained them unlawfully? DVLA are duty bound to provide the RK details to anybody with reasonable cause, sadly that covers even the ppc ****.

 

Please keep me updated on your claim and let me know what happens with the debt collectors and any possible court action.

 

Debt collectors are people with absolutely no powers except to send letters in scary red ink. Don't hold your breath expecting to go to court anytime soon.

 

As my username suggests, I am a law student and will be going to my tutors who are all qualified lawyers to ask them what to do.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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  • 1 month later...

re the above threads I had a a parking notice from G24 last year. The first one explained that I had parked in there car park exceeding the time stay. They offered the fact that if I payed the fine then that would be the end of it however if I failed and did not pay with 14 days it would increase to about ninety something pounds.

They enclosed a copy of a photograph of my car showing the registered number and stated that I had been in the car park for about 4hours.

Having reaf all the info on the company I ignored the letters until I had one from them threatening Debt Collectors.

In view of that I wrote to them informing them that the contract for the parking of the vehicle in that car park was with the DRIVER and NOT the registered keeper and that I as the registered keeper was only obliged to supply certain people with the details of the driver at a particular time and that G24 WAS NOT one of those people. I also added that if they continue to write to me I would take that as a form of harassment and I would consult my solicitor should it continue. As a final message they were informed that should they send any form of debt collector to my property they would be directed to the foot path as I would not want them on my property useing sufficient force as required.

I have not heard from them since.

There are a number of threads in relation to this company and templates of letters that can be sent.

I would send only one letter and thats it:grin:

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There are a number of threads in relation to this company and templates of letters that can be sent.

I would send only one letter and thats it:grin:

Which is one more than most would send, but everyone to their own.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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