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    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Leilani v creation ***WON***


leilani
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I am trying to claim the charges back on my account. I had all the statements and wrote them a prelim letter along with charges schedule, sent it to them recorded of which they received.

 

They have not acknowledged my letter in writing, continued to write threatening letters, on occassion threatening phone calls as I have a call monitor now on my mobile with a specific message telling them they are harassing me, which has lessened the frequency of calls. Although I did have one message left stating that they had received my letter re charges and to call them...well I don't call anyone or answer any of the calls (just too stressful).

 

Here is the letter:

Dear Sir/Madam,

 

CARD/ACCOUNT NUMBER:

 

I now understand that the regime of fees which you have been applying to my account in relation to late fees, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that in respect to Account:you have taken £140 plus £26.33 which I hereby claim as interest in restitution based upon the case of Sepra Metals, giving a total of Total £166.33

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice.

 

Yours faithfully,

 

Also the original amount was for £20 or so and has spiralled out of control now.

 

So what is my best route of action with these people? I based this letter on my Barclaycard prelim letter and it's been now over the 14 days, should I bother writing to them again with an updated schedule? Or should I just go straight to filing court action or do I go to FOS for what it's worth by what I understand.

 

Any advice would be greatly appreciated!

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Hi,

 

I've never dealt with Creation, best thing to do would be to have a look at other threads on them, there's a few, this will give you some idea of how they work regarding charges.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...

Well this is done and dusted! My first victory!:-D

 

I wrote to them again along with an updated Schedule. My snotty letter obviously scared the pants off them, because within a few days I got every single penny I asked for, including interest...balance cleared and in credit by £70 odd! Just have to now write and get that credit sent as real monies as this account is getting CLOSED!

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Good stuff leilani, well done.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Sorry for the delay.

 

Creation Financial Services Ltd

Chadwick House

Blenheim Court

Solihull B91 2AA

 

Good luck!

 

They ignore mail so you have to be persistent. I may have got my charges back but not in cash form...sent them a letter over 10 days ago asking them to close my account and refund me the balance...Nada

 

Time to get nasty with them me thinks!

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i've taken the won off the title of the thread till you actually get it!!

 

keep us posted

 

dx

siteteam

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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That's brilliant. What exactly did you you have to do? I have paid £100 a month for nearly two years (on an £1000 limit account) and notified them when I changed addresses and heard nothing. I have now had a letter from IQOR (?) demanding £1376.

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  • 2 weeks later...

Almost there! (no cheque in paws yet) after 2 letters, last threatening them with FOS (not that it probably applies but it worked) I have had a letter back acknowledging my request for monies to be returned (7-10) from 5th November 2010 and the account closed however they refuse to clear credit history as they say it's a true reflection of how the account was run... Should I just collect my money and be done with it? I have lots more fish to fry and I guess my credit history is shot to pieces anyway with BC and Barclays...

 

@Next Call in my communications with these people it has always taken two letters to get a response, it's like the ignore the first one and then take their time over their response to answer the next one...wish you good luck with your case!

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Hi lei

 

Well Done, hopefully more victories on the way.

 

You could send a letter stating that it's not a true reflection of how the account has been run, it's been effected to a large extent by the Penalty Charges that have been applied to the account by them which they have just refunded. They don't know the conduct of the account if they hadn't built up charges plus interest.

It's a cost of a stamp worth a go.

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Good stuff, leilani.

 

Well done :-D

 

I'll stick the ***WON*** back on.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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