Jump to content


  • Tweets

  • Posts

    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

SCM Collections (Lloyds) lies and deceit


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5285 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

advice req'd :

 

I spoke to SCM this morning (they collect for LLoyds TSB Loans) and tried to make a payment over the phone with my debit card. I gave them the card number etc and the person said 'the payment as been rejected im afraid' so we tried again and she said again that the payment had been rejected so i said i would try again tomorrow.

 

I ve just been into my bank account and they've taken the payment 4 times from my account!!!!!

 

it's left me with literally no money for the next 2 weeks. Gutted.

 

It is obvious now that the person from SCM (ie Lloyds) were lying when they said the payment had been rejected.

 

So they've taken 4 x my agreed payment deliberately and lied on the phone while doing it.

 

Im fuming about this. Should i make a formal complaint to the Bank and the Banking Ombudsmen?

 

Can I force them to repay the other 3 payments?

 

Thanks :(

Link to post
Share on other sites

Do you bank with Lloyds?

 

If not call your bank and explain and get them to return the payments

 

NEVER, EVER speak to them on the phone - by letter only

 

Have you written asking for a copy of the loan areement?

 

How old is the debt?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

Link to post
Share on other sites

I bank with RBS

 

The LLoyds loan is from 2006

 

I also have a credit card with Lloyds as well

 

I know SCM is a trading name under Lloyds Bank so they're not a pitbull DCA in the sense that Rockwell is but they lied to me and took 4 payments. Appalling deception

 

Right that's it, ive played ball with them and now its time for proper action

 

Is this the way forward:

 

Request the CCA for :

 

LLoyds Current AC (Overdrawn and in suspension)

LLoyds Loan

LLoyds Credit CArd

 

next step is what?

 

thanks

Link to post
Share on other sites

Quite Feasible but hard for you your self to prove, Your bank 'should' be able to assist in this, go in their in person, explain what happened.

 

This is taken off their website to report card fraud:

Do you suspect that you've been the victim of fraud - or have you noticed any suspicious transactions on your Royal Bank of Scotland account?

You can report this to us by telephoning 0845 300 3986 (Monday to Friday 8am-8pm and Saturday 8am-6pm) or by contacting one of our branches. From outside the United Kingdom, please telephone (0044) 131 523 8383 (24 hours a day). You can reverse the charges on calls from abroad.

 

Your bank should be able to see exactly what times these transactions occurred, whether they were done at the time you were on the phone, or afterwards.

 

Tell your bank to return 3 of the 4 payments, then lodge a formal complaint with Lloyds using their complaints procedure;

Lloyds TSB - Complaints procedure

 

Do not EVER give your card details to Lloyds again, they had the opportunity and abused it.

Set up a standing order to pay this amount in the future with them, DO NOT set up a DD, otherwise the same thing will happen.

 

CCA them for the Loan & CC, and when you CCA them for the OD, they will invariably tell you it does not come under the CCA, if they do then pop back and we will give you the exact section of the Act it falls under.

Send everything to them from now on via recorded delivery, print your name at the bottom of the letters and do not sign anything.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

i spoke to SCM this morning again and I explained that one of their employees had confirmed the payments i tried to make had failed but yet she still removed 4 payments from my accounts and this was essentially deception and that i was making a formal complaint to the Banking Ombudsmen and the Police (that sh*t them up) and they promised to refund the three payments they 'mistakenly' deducted. result

 

thanks mate

Link to post
Share on other sites

SCM record all inbound calls. Ask for the transcript of the call or threaten a DSAR.

 

I've just threatened exactly this to lloyds, told them I am requesting a log and transcripts of all calls to the bank - already have a dsar in with them. They rectified their mistakes quite quickly.

 

I recommend going into the branch and doing it infront of other customers - if you have the balls;) - they like to help when they are trying to flog crap to other customers.

 

With me they continued making payments from an account we had asked them to close months ago, racking up £400 worth of charges - totally unbelievable!!!

Link to post
Share on other sites

I recommend going into the branch and doing it infront of other customers - if you have the balls;)

 

funny enough I do, great big water melon ones that I have to push around in a wheelbarrow:eek: but thats a whole different story!:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

i spoke to SCM this morning again and I explained that one of their employees had confirmed the payments i tried to make had failed but yet she still removed 4 payments from my accounts and this was essentially deception and that i was making a formal complaint to the Banking Ombudsmen and the Police (that sh*t them up) and they promised to refund the three payments they 'mistakenly' deducted. result

thanks mate

 

Well done, another good result, have you spoken to them about setting up a standing order so that this does not 'mistakenly' happen again?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...