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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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Offer from Welscum


mrjoolz
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Here is the letter I had back. Decided to scan and convert and paste here.

 

 

Compliance Department

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

Tel: 0845 618 7819 Fax: 0115 984 9386

FINAL RESPONSE

Dear Sir

We write further to your letter dated 24 December 2009. Please accept our apologies for the delay in responding.

We assert that the agreement supplied in response to your section 77 request complied with the relevant provisions. We draw your attention to Regulation 3(1) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 which states a "true copy" must be provided.

A "true copy" need not be an exact copy, though it must contain "every material provision" {Burchell v Thompson [1920] 2 KB 80). Regulation 3(2) allows for certain omissions from the copy to be provided. These include the signature box, witness box and the signature of the customer. Therefore, in the absence of the original executed agreement, a "reconstituted" copy is sufficient for these purposes.

Should you disagree with the above, please provide us with the legal authority upon which you rely.

For the avoidance of doubt, it is wholly denied that the loan agreement is unenforceable, for the reasons given or at all. Furthermore, we do not accept that the account is in dispute.

In any event, we refer you to the recent judgment in McGuffick v Royal Bank of Scotland [2009] EWHC 2386 (Comm), which stated that the following are not classified as enforcement (whether the agreement is unenforceable or not):

reporting the status of any account to a credit reference agency (CRA);

demanding payment from the debtor;

issuing a default notice to the debtor

Threatening legal action

Instructing a third party to demand payment or otherwise procure payment

bringing legal proceedings against the debtor

We therefore reserve our rights under the loan agreement. You are obliged to continue making payments and we reserve our rights to pursue you for any arrears

Please accept this as our final response in the matter

Should the issue not have been resolved satisfactorily, you do have the right to refer this matter to the FOS within six months of the date at the head of this letter, or seek redress via the court system

If you decide to go down either of these routes, please send all correspondence to the address above.

 

Yours sincerely

Welcome Financial Services

 

 

any ideas on what I do now. ????

 

Ta

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I am also watching this thread, very interesting!

 

I am new to all this but surely Welcome cannot decide that there letter is final. They really do think they are a law upon themsleves.

 

I am still waiting for my CCA although i did recieve correspondence from them acknowledging a SAR i did not request!!

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I started asking Welcome for my SAR information back in September, and they failed to provide me with all information, so I sent in CCA request. Once again, I had letter saying they were processing it, but nothing sent back to me at all. So then I sent in letter about account is dispute and they said No to that, and that I should still make payments. I have refrained from sending money and changed my D.Card information, as they took two payments, in one month. They did say they would send one back, but never did. I have no intention of paying any more money to them until I receive my correct and complete file.

 

I was thinking of making an offer to get rid of loan, but again, until I know what it is I owe, less all my charges etc, I am unsure what to offer.

 

:o)

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I am also watching this thread, very interesting!

 

I am new to all this but surely Welcome cannot decide that there letter is final. They really do think they are a law upon themsleves.

 

I am still waiting for my CCA although i did recieve correspondence from them acknowledging a SAR i did not request!!

 

Same here...requested CCA and they confirmed SAR...nothing received so far.

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I spoke to someone in the colleactions departent today, who stated they could take an offer from me to settle but would need to e-mail this to the directs? I owe £14,210 and offered £10,000. It was declined!!! I am upto date with all payments and havent missed do you think this will effect it?

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  • 1 month later...

Hi Post

 

After sending my letter off saying account is dispute, I got a snotty letter back saying they had sent me all my information, although I havent signed for anything.

 

CCA wasnt sent at all.

 

They refuse to accept account in dispute, but I havent had any contact from them since November last year. Do I need to do anything else, or leave it. The actually end date for the agreement, if it was paid off will be either this month (end of March) or end of April. Cant remember exactly

 

What will happen when the end date comes, and nothing more has been paid on the account ?!

 

any help appreciated.

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To Be Honest You Have The Recorded Delivery Receipts Asking For Theagreement

 

Welcome Are Well In Default

 

I Would Ignore, Its Obviouse They Have No Agreement.

 

Fancy Trying To Pass Off A 2007 Agreement On A 2004 One

 

Realy

 

If You Get Any Future Grief, Give A Bell

 

He Debt Exsists, Its Just That It Cant Be Enforced

 

 

If You Require A Definate Answer On The Agreement, Doing A Request Under Cpr 31.16 Is The Answer

 

Ive Used It And It Works But As Welcome Are Quiet With You, Do You Want To Open A Can Of Worms Again

 

Its Your Choice

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Hi Post,

 

I had a letter from a collections company over the weekend, saying that I have to pay the full balance of £4500 by the 31st March 2010, or else the company will start legal proceedings.

 

However I never received the information I requested from Welcome, and have no intention of paying them anything.

 

What should I do with this letter, should I reply to it ?

 

Many thanks

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Hello mrjoolz firstly dont panic they run from court cases you need to send a CPR request for the underwriting sheets which will proove secret commissions, they will ignore this but if you want you can have a copy of mine which they sent me by mistake this alone gives reasonable evidence to suspect that secret commission has been added to your account, when they ignore your requests, which they will simply use thier refusal as part of your defence and include the copy of the underwriting sheet to show evidence of this fradulent practice and request that the court orders disclosure of the documents requested, someone here will be able to give you the templates for the CPR requests and the request for disclosure to the court and believe me they will withdraw from any court action, as they did with mine, but now I wont let them withdraw as I have issued a counter claim.

Hope this helps

jdene

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Many thanks for the advice. Anyone got this CPR request letter. I also sent off letter that post placed.

 

I dont have a copy to hand but i believe there are some in the templates library in the main forum :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

Update :

 

I have now received a letter from Lewis Group saying that they want the money to clear my account. Followed three days later, by a card only in an envelope saying call this number urgently (nothing more)

 

I am not interested really in calling Lewis Group at all, as Welcome failed to send me complete SAR and when I asked for CCA, I never got anything back at all.

 

Thoughts please ?!

what should I do now ?

 

Ta muchly

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