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    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   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 added. Shall we raise the 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 parking periods. Especially with no consideration of section 13 in your own trade association's code of practice 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, unmanaged 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 above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “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. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
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companies who pursue unenforceable credit agreements - help please


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Hi all,

 

I'm hoping for some advice please.

 

I have 4 credit cards all pre 2007 and hope the agreements maybe uneforceable. I did try about 6 months ago to follow the process DIY using the letter templates, but found it difficult to keep on top of and see it through till the end.

 

I am with CCCS (debt management service) and therefore some of the debt had been sold on making it more difficult to pursue with confidence.

 

I had a call from a representaive of claimback Uk and they have advised they provide a no fee no win if I decide to go with them.

 

In essence, they have said it will cost me £250 per card (so £1k in total) if they successfully render the agreements unenforceable and obviously free of charge if any are enforceable.

 

I would like to know if these types of companies are reputable or are there dangers I need to watch out for?

 

Also are there any other providers who could do it cheaper, if so who are they and how much would I be looking at paying?

 

I have asked them to see what the cheapest they will go to and they are going to call back on Wednesday.

 

I lack the time and confidence to do it myself, so would really appreciate some help on this.

 

Many Thanks

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Hi all,

 

I'm hoping for some advice please.

 

I have 4 credit cards all pre 2007 and hope the agreements maybe uneforceable. I did try about 6 months ago to follow the process DIY using the letter templates, but found it difficult to keep on top of and see it through till the end.

 

I am with CCCS (debt management service) and therefore some of the debt had been sold on making it more difficult to pursue with confidence.

 

I had a call from a representaive of claimback Uk and they have advised they provide a no fee no win if I decide to go with them.

 

In essence, they have said it will cost me £250 per card (so £1k in total) if they successfully render the agreements unenforceable and obviously free of charge if any are enforceable.

 

I would like to know if these types of companies are reputable or are there dangers I need to watch out for?

 

Also are there any other providers who could do it cheaper, if so who are they and how much would I be looking at paying?

 

I have asked them to see what the cheapest they will go to and they are going to call back on Wednesday.

 

I lack the time and confidence to do it myself, so would really appreciate some help on this.

 

Many Thanks

 

 

No go from me.

:mad2::-x:jaw::sad:
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These types of companies are not recommnded on CAG. Basically they charge do the same things as you can do yourself for free.

 

With some guidance from all of us here you'll soon have the confidence to handle this yourself.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Thanks Palomino.

 

I did try myself and sent a number of the template letters off. The difficulty I had was the confidence to know what I was doing as I am with CCCS paying £50 pm off currently and was worried that once I stopped paying, I would end up in more difficulties.

 

I also lack the legal knowledge to know what to do at each stage and as my debts have been sold on from the original credit card companies, I found it even more difficult trying to resolve it.

 

In addition, I did put a few posts on here and sometimes I was not getting any replies, so I thought if I pay someone it would address my concerns.

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