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    • 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).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
    • Welcome - One of the team will take a look shortly
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      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.

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Hi To All

 

Got a letter today from Allied Int Credit Ltd ( re Lloyds )

 

Basically my OH has a loan with Lloyds and 8 month ago they accepted £50.00 per month instead of the original £200.00 per month.

 

She then without my knowledge enlisted the help of the Alchemy Org to do a PPI ( previous post's ) I was forever chasing Alc but to no avail as to what was happening, I then received a letter of acceptance from Lloyds saying here is £1900.00 please sign + return the sum will come off your owed balance.

 

I asked questions of Alc and got zilch, so with the advise from dx and other cagers I sent a letter blah blah, to this day I have had no response from Alch etc and they wont speak to me on the phone, they also advised my oh that she could not do a cca whilst making a ppi claim?.

 

Now Allied want the full balance of the loan or else...Bailiffs..Assets..Charging orders etc. this has sent my OH spiraling, what is the best way forward on this?

 

Bye the way I have not ever cca'd Lloyds but want to etc, will this put a halt on what they are threatning ?

 

Cheers

 

Mr W

Regards..Mr Worried :)

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I would definitely kick these clowns into touch The Alchemy Organisation - PPI Complaints Management

 

Tell them to sling their hook, services no longer required.

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!

 

 

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Hi Cerb and Baz

 

I dont know where to start as I have written to Alc but they dont respond and how can I send a letter in dispute when I have never cca'd them?

 

Can anybody do a letter that I can write to these as I need to respond asap, I feel comfortable that I can deal with this and I am confident to do so with yr help, but it feels like a total mess and I need pointers please.

 

Mr W

Regards..Mr Worried :)

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Just send the CCA request straight to Allied International Credit, if they fail or refuse to provide it send the 'In Dispute' letter & make a complaint to Trading Standards, OFT & the ico.

 

 

Hi Cerb

 

Thanks for that, will be in the post on Saturday. then what shall I do about Alch ?

 

Mr W

Regards..Mr Worried :)

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Yep. OFT and ICO are definites. As for TS, your local one will be more help than the Glasgow one (unless you're a Glasgow resident).

 

Glasgow Trading Standards WILL attempt to fob you off - I speak from personal experience here, but it's worth complaining to them all the same just to see what they come back with.

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why do you need to contact them?

as for the refund, do you know this figure is correct?

how has it beed calculated?

and if you are not in arrears lloyds cannot take it off the 'outstanding balance' they can only take 'arrears' the rest must go to you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Mr W:)

 

I agree with dx about the PPI refund - from experience their figures are often incorrect and/or they don't give detailed breakdowns of how they reached them. Unless you are absolutely certain the refund offered is correct (including interest) your OH should not sign any acceptance form.

 

Good Luck with this!

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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why do you need to contact them?

as for the refund, do you know this figure is correct?

how has it beed calculated?

and if you are not in arrears lloyds cannot take it off the 'outstanding balance' they can only take 'arrears' the rest must go to you.

 

dx

 

Hi dx

I need to contact them cos thet dont contact us and they never have, no calculations given but Alch said it was correct? acc is in arrears aswell.

 

Mr W

Regards..Mr Worried :)

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