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    • 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/
    • OK. Thank you all for the input.  I'll ignore their letters of demand but NEVER ignore a letter of claim. I'm bracing myself for the stress as their demands £££ goes up and the case gets sent to debt collectors. 
    • OK.  It was worth a try. Their case is still pants and they have broken their own Code of Practice numerous times.
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Yes Car And Charging Order ** WON **


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we have all been most grateful for your help gdk i am just a bit surprised didnt know you had another problem that you needed help with...just thought you were posting it for info....i will most certainly help out if i can....i take it that you had an agreement with welcome which states it is now not collectable and that they have sold it on suggest you send this to dca...

ACCOUNT IN DISPUTE

 

Date:

 

Dear Sir or Madam,

 

Account number: XXXX XXXX XXXX XXXX

 

I am in receipt of your letter dated XXXXX

 

This account is in dispute with **original creditor/DCA** and has been since DATE .

Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My previous dispute from **DATE** has NOT been answered.

 

As **original creditor/name of debt collection agency** are now in default of my Consumer Credit Act agreementrequest and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

hope this helps...

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DEBT4GET

We got the car in 2006 (it was swapped as the original car (mazda had faults)

So we paid to have major repairs and kept up with the finance payments and in constant contact with welcome and the garage in question but all to no avail.(mondeo)

we were told we would have refunds for the insurances (ha)still waiting from 2006

anyway we decieded to pay off the loan in june/july 06 but few problems with new house move we never paid then (to pay off loan then was £4200 ) so we contacted welcome and explained this

no hassles we still paid the finance payments

Then december 06 we were in the position to pay loan off

well it had jumped to £5800 and when queried they said its how the insurance worked............

anyway fare to say the car went back

after that they got a judgement which we swiftly jumped on and then sent them all paperwork for the repair costs and a covering letter detailing

all the problems encounted

2 days later i had a phone call telling me they were going no further

that was aug 2007

now they sell the debt, and again they have the paperwork!

and the agreeement they sent me has no collectable on it

and the word fraud ( as i complained to them telling them this had been alterd after i signed it

thats on the agreement

but i have both agreements for both cars and the insurances have been ticked after i signed them but the mondeo one has 1 extra than the mazda agreement

Anyway update its in the hand of solicitors as we speak they are giving the a choice write it off and we walk away..............

Or carry on and we claim all the money we spent repairing the car

The insurance payments we paid upto they date the car went back

And compensation for harassment

THE BALL IS IN THERE PART OF THE FIELD AS WE SPEAK

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  • 3 weeks later...

gdk had a prob with some mods apparantly and aint been on for some time now..think he did get deed of release but has another problem now with welcome..i think...what is your status re godebt now leon? how has it panned out m8?

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I had a car from YCC in approx 2005, i fell behind with a couple of payments and they took the car away, i have been getting letters from Go Debt and recently they have been threatening to go to court to file for bankruptcy.. Today my sister called me and said they had left a message on her home phone line answer machine asking questions about me and if we are related!! How dare they harrass my sister about this! I have no idea how they got her number and we are both married so we havent got same names...

I have no paperwork on the agreement or anything and it has been years since ive had contact from them.. The last time i spoke to them was approx 3yrs ago when they rang my then next door neighbours asking questions about me! It was embarrassing when they came round to tell me a company had been calling them regarding me, i rang them and gave them a roasting on the phone and told them to take me to court. It seems they just wont go away...

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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hi klasskitty and welcome..godebt are a really tenacious little bunch who send out stat demands for bankruptcy like confetti....if they are calling other people i would certainly put in a complaint to the OFT via website...godebt wont actually initiate county court action if they can help it..it seems they prefer to go down the stat demand route....if they do issue let us know and we can apply to get it set aside and hopefully win you a few hundred quid in costs to boot

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and i never even got a sniff so if thats the case i cannot be botherd offering help or even ask someones opinion if they dont have the courtesy

to acknowledge you....

and after i sent across some valuable paperwork to help future caggers

and get hassle off the moderators on here how ungrateful is that

erm i have been a moderator on here for 2 years and i have no idea whatsoever what the hell you are on about?

 

who hassled you? what reasons were there given?

 

to make such a comment is shocking, this is a SELF help forum primarily, so its placing the onus on you to look around and find the info you need, and where necessary to bring your issues to the attention of the site team, via pm if needed.

 

So if your comment is that no one helped you then did you take the initiative and ask the team for help?

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I have just spoken to my sister again, she told me Go Debt have called my Mum and Grandad today as well as her.. They have called her 2 times today and told her they wanted to contact me regarding some paperwork and if they didnt get in touch with me they would have to take me to court but they didnt want to do that and didnt want to send anyone to my house if they could help it.. He told her he couldnt say too much but he was from Auto Direct.. It really annoys me that my family are getting harrassed by these clowns and hope they dont contact my new neighbours as we really dont get on too well with them

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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is there a reason why they cannot contact yourself? what i concerned about is that they may try and get a ccj by a backdoor route and the first you know about it is when one of your family find it on their doorstep...that said...i sort of have mixed feelings about contacting them and giving them too much information..but in this case if your family is being hassled i do suggest you complain in no uncertain terms to the OFT..i would think that godebt are trying to issue a stat demand...it is their usual modus operandi....unfortunately apart from complaining if you dont want them contacting family neighbours etc. you may have to bite the bullet and contact them yourself...even if it is by letter...in fact we tell posters on here never phone dca's but always deal by letter

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Yes they are contacting family because i guess they are trying to confirm where i live, they have started sending letters to my address, ive only lived here 11 months and only 14 months in my previous house, i also got married almost 3yrs ago so my name has changed, maybe they are having trouble keeping track of me!

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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Ive got no paperwork for them at all, they didnt contact me for so long i thought they might leave me alone.. no such luck

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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i would suggest sending for the cca...when you get it let us know as most of the ycc agreements are absolutely bog roll....they arent worth the paper they are written on....i do not think that godebt will desist in fact if they go by their usual pattern they will issue a stat demand and try for bankruptcy..either that or they may try a ccj through back door and first you know bout it is it is awarded...it is a difficult one this as they obviously think they have their hooks in you...and by harrassing your family you will poke your head above the parapet...and they can then shoot at you...

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How would i go about doing that? sorry if it has been asked before but im finding this hard to process, im facing eviction atm too, so got alot going on..

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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start by sending them this

CONSUMER CREDIT ACT 1974

Xxxxxxx

Xxxxxxx

Xxxxxx

Date xx/xx/xx

 

 

 

To Whom It May Concern:

 

Your Reference: Agreement Number:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

With reference to the above account, I request that you send me a true copy of this Credit Agreement before I will correspond further on this matter.

 

This is my right under the legislation contained within Section 77 (1) and Section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my Credit Agreement on request.

Your obligation also extends to providing me with a statement of account. I enclose a £1 Postal Order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my Credit Agreement should be supplied within 12 working days from the date of this letter.

I also understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the Agreement under these sections of the Act.

In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER :

1. True copy of original Credit Agreement

2. Statement of Account

3. Copy of the executed Deed Of Assignment

The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed Credit Agreement within 12 + 2 working days of a proper Consumer Credit Agreement request. If you intend to send a reconstituted copy of the Consumer Credit Agreement you must declare the reason why it has been reconstituted and if the original still exists and in what form (microfiche) etc

As you are aware, a Credit Agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Further to the above, please ensure that any contact by you is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment - Administration of Justice Act 1970, Protection from Harassment Act 1997, and Communications Act 2003. If you continue to harass me by telephone I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully

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Thanks

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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GUYs GUYs GUYs

 

I haven't been on in while and am sorry to dissapear after all your help but it was all done for self security and now have very very good news....

 

My case with Go Debt is now :-o CLOSED :-o:D:D:D Waaa Heyyyyyy!!!

***Deed of release is in my hands as I speak***

 

After losing my set aside and the court ruling against me I was all ready to setup a repayment plan with Go Debt when I thought giving Stephensons a call wouldn't hurt..

 

I had a good chat with them and forwarded everything I had on Go Debt and they agreed they were 80% sure they could help (as nothing is 100% as I found out with set aside :(:()

I decided to go ahead with it costing me £250.00 to get the ball rolling within 2 weeks of Stephensons dealing with my case Go Debt agreed to write of my debt and sign a deed of release. The whole Process proberly took around a month from the initial call to getting the Deed of release and only cost me a total of £250.00 (my initial down payment)

 

It was the Best £250.00 I have ever spent as the total debt witten off ended up being £8625.00. (Great Trade In My Eyes)

 

A BIG BIG thank you to everyone who helped me and hope this tread serves as a great place to see a start to finish case and the struggles you may see along the journey...

 

And finally a apology to Debt4Get as you replyed to my message I left on GDK's Thread the other day asking how I was getting on... I wanted to reply but until I got this Deed in my hand I was keeping very HUSH ;):rolleyes:...

 

As you can imagine I am over the moon this morning...

 

 

Leon.

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leon i am really really pleased for you m8 i really felt for you when you lost the set aside..i thought you really got shafted by the dj...i am glad everything worked out for you...amazing really after the big let down you had...i always knew godebt didnt have a leg to stand on..but when you comeup against a dj who knew nothing about consumer law it was a real bu**er..once again m8 excellent news

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I havent sent the CCA yet as i must of thrown out the last letter from GoDebt and couldnt find anything to reply with ref no.. I knew it wouldnt be long before they wrote again and today i have received 2 letters - 1 from GoDebt well its actually just a card saying 'This is serious' with a section to fill in my details and monthly payment offer. The other is from Hollis Briggs solicitors stating if i dont pay GoDebt £7143.70 within 5 days from the date of the letter (14th May) or contact them with reasons for withholding payment they will commence legal action.

Do i send CCA to Hollis Briggs or GoDebt?

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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  • 3 weeks later...
gdk had a prob with some mods apparantly and aint been on for some time now..think he did get deed of release but has another problem now with welcome..i think...what is your status re godebt now leon? how has it panned out m8?

 

GDK2711 HERE

The welcome problem is with solicitors...

And i have since found all paperwork from welcome not getting order and all my paperwork from all major repairs done to car

STILL WAITING

KEEP YOU POSTED AND WILL E-MAIL ANY GOOD DOCS

WHICH MAY HELP FUTURE CAGGERS

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