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    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. So I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app. And then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. So if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully. 
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
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Tesco just 1 of 14 Credit Cards Help


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I have received 3 Default Sum Notices all for Late Payment Fees £12 during Nov/Dec/Jan.

 

No other Default Sums and No Default Notice as yet.

 

All 3 same as this one

 

TescoDefault1of2.jpg

 

TescoDefault2of2.jpg

Edited by steve2577

All my postings are Without Prejudice and as such can not be used in any Court.

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Those are not default notices. They are default charges.

 

To be honest, at the moment I would not bother with them (considering how much chaos you have with the banks re CCA agreement applications, dispute letters, proper default notices etc).

 

Once you sort your affairs then you can have a read on here (not my interested subject so cannot help you) and see how to send an SAR and apply to get them refunded.

 

But once again, my advise is to get your records sorted, get them into line and then move on. You went and challenged something like 14 cards at the same time. Now unless you sort the paperwork out it can overtake you.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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Yes I agree to put it mildly.

 

I asked this on the Tesco Thread but for the majority amd some have confirmed they dont have agreements to show me. Can they enforce yes or No?

 

If No whats the consequences apart from DCA's Telephone Calls Letters House Visits and a trashed Credit File.

 

 

 

 

 

 

Steve

All my postings are Without Prejudice and as such can not be used in any Court.

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Yes I agree to put it mildly.

 

I asked this on the Tesco Thread but for the majority amd some have confirmed they dont have agreements to show me. Can they enforce yes or No? Legally no they cannot enforce (unless you find a dodgy Judge. Once again read Humblemans thread if you want to learn more). Will they try? Read my pm regarding what I love to do to DCA's.

 

If No whats the consequences apart from DCA's If it goes to a DCA then there are solutions as well. Telephone Calls There are solutions to stop telephone calls. Letters Comes in handy when that double soft tissue has run out :D:D:D House Visits Read the OFT Guidelines re home visits and a trashed Credit File.

 

 

 

 

 

 

Steve

Already answered in the thread Steve v HFC. And you have just shown that you have not done much homework before you started challenging the banks did you? Seems you read a couple of posts, thought "Heck........ seems ok lets go for it" and decided to take "The nice lollipop out of the banks mouth and they will not cry and scream to have it back".

 

I would suggest you post so that members on here can take an idea of what is what. Then get advise. Split each problem and do NOT think they are all the same. And take notes of what is being told to you. Then when the time comes, it may either be a strike out or, if it goes to Court you should have enough information in your hands to be able to fight it, put a good argument forward and win.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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Nick

 

No didn't want to jump into this was going to carry on working and killing myself to keep afloat. But got made redundant aged 50 can find a decent job and thought might as well face the music now. I was told it was easier than it is turning out but I am also now mentally prepared to lose everything which has taken the actually worry out of the situation because it was this that stresses you out big time.

 

 

 

 

Thanks for your help today (oops yesterday mean)

All my postings are Without Prejudice and as such can not be used in any Court.

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But once again, my advise is to get your records sorted, get them into line and then move on. You went and challenged something like 14 cards at the same time. Now unless you sort the paperwork out it can overtake you.

 

Steve, Nick's quite right here. I have a similar number of issues to you. Spent a whole weekend at the beginning getting the paperqork in order and now takes up the majority of space in 3 cupboards!!!

 

But makes the whole thing so much easier to deal with. Buy a few of those box filing systems. If you get one that does go to court the volume of paperwork generated is huge!

 

M

 

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Default Notice arrived just Now (26th Jan) dated 21st Jan (sent 1st Class Post) giving me 17 days from the date of this letter (no time to post at the moment).

All my postings are Without Prejudice and as such can not be used in any Court.

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Default Notice arrived just Now (26th Jan) dated 21st Jan (sent 1st Class Post) giving me 17 days from the date of this letter (no time to post at the moment).
Keep the envolope if DN reeds 17 days from it is not in the prescibed form . The enforcment default and termination notices 1983 clearly state "the date being a date" lots of other things to look for to so post it up .
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Correct, they should put a "proper date". However, that is a de minimus issue and will probably not be relevant.

 

I would be inclined to mark on the envelope that you received it today.

 

Is the amount of arrears they are asking for correct. eg are there any late payment / over limit charges included in the figure. They can only ask for what is genuinely due. and charges arent.

 

Other than that, I dont see too much wrong with the DN. sorry :(

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Correct, they should put a "proper date". However, that is a de minimus issue and will probably not be relevant.

 

I would be inclined to mark on the envelope that you received it today.

 

Is the amount of arrears they are asking for correct. eg are there any late payment / over limit charges included in the figure. They can only ask for what is genuinely due. and charges arent.

 

Other than that, I dont see too much wrong with the DN. sorry :(

Agree as the date is 21 Jan. It says 17 days starting from the next day after the date. That makes it 17 days starting from the 22nd.

 

To me even if posted and claimed it is second hand post it still gives 14 days. As citizenB said check the figures. That may make it invalid and faulty. Otherwise, 21 plus 4 days post makes it should have been delivered yesterday but 17 days to remedy (when should have 14) still allows for the one day delay in post.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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Actually, having given this a bit more thought, 21st was Thursday. Allow 4 WORKING DAYS for delivery from next day. So next day is 22nd (Friday). Plus 3 more days (starting from Monday) makes it delivery should be on 27th.

 

Might, just might, fall in as invalid due to not 14 clear days to remedy.

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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Correct, they should put a "proper date". However, that is a de minimus issue and will probably not be relevant.

 

I would be inclined to mark on the envelope that you received it today.

 

Is the amount of arrears they are asking for correct. eg are there any late payment / over limit charges included in the figure. They can only ask for what is genuinely due. and charges arent.

 

Other than that, I dont see too much wrong with the DN. sorry :(

 

 

Late payment fees of £12 in Nov Dec Jan all these included the final figure.

 

Are you saying these Late Payment Fees are not part of the total owed and therefore should not be part of the DN?

All my postings are Without Prejudice and as such can not be used in any Court.

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Late payment fees of £12 in Nov Dec Jan all these included the final figure.

 

Are you saying these Late Payment Fees are not part of the total owed and therefore should not be part of the DN?

 

I believe that is correct Steve, the DN should only include your missed contractural payments - not additional charges.

 

M

 

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See they also talk about PPI (Protection Payment Insurance) on the DN.

 

Have you got this? :D:D

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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See they also talk about PPI (Protection Payment Insurance) on the DN.

 

Have you got this? :D:D

 

 

Did not have any PPI on any card.

 

When I made my initial informal request on 29th Oct 2009 (without prejudice). I was told to make sure I stopped using any cards by a forum member. I checked and this was the only card I actually used on a day to day basis and noticed I had a subscription to Which Magazine which I wasn't aware of which I cancelled straight away so the final purchase on this card was 18th Nov 2009. I then made my official CCA request 23rd Nov (there was no other purchases on this card after the 18th Nov).

 

Sorry to omit this but this is the main card out of 14 that I actually used for any purchases all the other card were balance transfers every six months or so.

All my postings are Without Prejudice and as such can not be used in any Court.

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this is the main card out of 14 that I actually used for any purchases all the other card were balance transfers every six months or so.

Right. Now to show you how easily a person can make a mistake and that can be used against that person (which is why you have to THINK before you OPEN you gob).

 

Playing the Devils Advocate:

 

Question: You say that this was the card used for any purchases. All the other cards were balance transfers every six months or so. So if you take one card and you transfer that balance to another card, how come on the card that you transfered from you still owe money?

 

Now answer that question.

 

What you have to also understand is that a Judge will be evaluating how you reply and what you say. The honesty. The integrity. Shall he believe you or not.

 

And, actually this was told to me by my own solicitor..................

 

In Court they can throw a load of $hit at the ceiling and hope that some of it sticks. The idea is to simply discredit you. (Yep. My solicitor is very polite and uses words of choice :D:D:D).

If I have helped you or made you laugh by some witty remark and brightened your day................ the scales to click are over to your left hand side. :D:D

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