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    • The postcode is an important point. You cannot be in two postcodes at the same time and the contract only covers the F area and not the E area where Met placed your car. See there is some   advantages in with idiots.🙂 The other fact about the electric spaces is that as you are not allowed to park there, the sign is prohibitory so cannot  offer a contract anyway. and another biggie in your favour is you were not the driver and the PCN does not comply with PoFA. I had another look yesterday at the PCN and there is another error since it does not say that the driver is responsible to pay the charge during the first 28 days. Schedule 4 Section 9 [2][b] (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; so that is another nail in their coffin and it s something I would include in  your WS since that is one that every Judge would accept as a failure to comply. As far as their WS is concerned some of them leave it to the last minute to prevent Defendants being able to counteract their claims. However if they leave it too late [ie after the stipulated time] you can email yours to the Court on the last day and complain at the bottom of your WS that you have not received it and therefore you are asking the Court not to accept their WS. In your case it isn't that important since you have a virtual walkover in Court. I would be surprised if they don't concede beforehand. It is a lost cause for them. Not that I would advocate parking in their electric bay in future with a petrol driven car again.🙂
    • I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version.
    • Thank you Dave for jumping in yesterday and advising not to send off the letter I wrote. I am sorry Clou but I thought at the time that both car parks were owned by Alliance. Before doing a snotty letter does anyone in your family able to alos drive your car apart from yourself and are you the keeper?
    • Thanks for this. UPS never said they delivered to the wrong address. Tracking just showed as delivered. EBay couldn’t find it for weeks and then said they found it and it had chocolate in it. Something clearly doesn’t add up here.
    • Try to think things through logically & legally - the two go together as the civil court system in England is pretty decent and easy to get your head round. 1.  Say you & I got into legal dispute.  Who could sue who?  Well I could sue you and you could sue me.  My next-door neighbour couldn't sue you and your best mate couldn't sue me because the case would have nowt to do with them.  The same goes for a DCA.  It's not their debt.  They can do nothing. 2.  Of course a DCA can't affect your credit score.  If they could, then there would be nothing stopping you picking on someone you dislike, saying they owed you a billion pounds, and affecting their credit score.  Logically there must be more to it than some daft allegation.  CCJs are issued and credit scores wrecked after a judge has decided on the matter and the losing party has still refused to pay.  With nine grand in play the matter will not magically go away but you need to gen up and seperate daft threats from paper tigers from concrete threats which could really cause you trouble. The others are right - you need to inform the original creditor of your address in order to avoid a backdoor CCJ. Also, why did you decide not to sue UPS who have admitted to delivering to the wrong address which in turn led to the theft of your goods?
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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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I need some help with reliable collections please


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just filled in the spreadsheet. whats compound interest? and im not sure what to put in 'days elapsed'

 

Umm, if you have completed the form correctly.. the days elapsed should be calculating automatically !!

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In the Blue bit at the top you should have entered the APR that is shown on your agreement/statement

 

Then in the white bits you need to enter

 

the date under the "The Date of Charge"

 

Under "Nature of Charge" enter either PPI premium.. PPI payment.. or Default Charge.

 

Under "amount of charge" you need to enter the amount of the PPI premium or the Default Charge.

 

Days elapsed and compund interest should automatically formulate.. you dont put anything in there.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It doesnt seem to be working for me. it says #NAME? in the 'days elapsed' and 'compound interest' boxes

 

does it need to be opened in excel? as ive got it open in office.

 

Spreadsheet needs to be used in Excel

 

If you haven't got Excel let me know what you have got and I'll see what I can do

 

ims

Edited by ims21

 

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i only have open office

 

Hi

 

I have attached the Open Office version. Download it and then rename the file so that you change the last three letters (xls) to the extension used for open office spreadsheets (ODS I think).

 

That will then work for you

 

ims

 

CISheetOF.xls

 

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It worked perfectly, thank you. not sure what letter im to send this with, could you point me in the right direction please? and what am i meant to do about not hearing from them at all? is there another letter to send after the 2nd one?

 

Many thanks for all the help, you guys are great!

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Hi Amy

 

So you now have your spreadsheet of claim....what APR did you use?

 

Does the figure shown by the spreadsheet exceed what you owe?

 

In any event, you need to send a preliminary letter to the original creditor requesting a refund of the charges plus the interest, i.e. the figure on your spreadsheet. You also enclose a copy of teh spreadsheet. Ensure that the "Claim To" date is today.....it should automatically update every day you open the sheet.

 

The preliminary letter template is here....amed to suit.

 

http://www.consumeractiongroup.co.uk/forum/content.php?605-Credit-Store-Card-Letter-Template

 

 

ims

 

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i used 39.6 apr, thats the one they sent me in the letter on the agreements the forged. (consumer credit act 1974) apparently i owe £2,079,92 and the total claim comes up as £1,177.56. is that right? im so confused as thats more than the charges added together are! how does compound interest come into this?

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Hi

 

OK so the charges plus interest comes to £1,177 using the rate that they have on the "agreement". If that is what they say the rate is then that is the rate you use for your claim.

 

So after the charges and interest come back you will owe them about £900. Compund interest is the amount of interest showing on the spreadsheet.

 

Print a copy of the spreadsheet and send it with a preliminary letter of reclaim to them.

 

ims

Edited by ims21

 

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  • 3 weeks later...

Hi Amy. I've been through all this myself over the last 12 months with reliable. And I agree with Brig - a very odd letter. Also, I don't think that it is a response to your letter reclaiming the charges. More like one final attempt to rattle you into paying before it ends up on the dca merry-go-round. You'll get another letter shortly refusing to refund the charges because it is in their terms and conditions which you can clearly see on your 'reconstituted' agreement, which is unenforcable. Don't worry too much over the letter. Just wait for a real response.

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subbing, dealing with these halfwits for the wife. Same detail as you increased amount, loads of charges. I've not paid them for over a year now, Acct in Dispute, I did read on here a couple of days ago about Reconstituted agreements and challenging them under CPUTR 08 (think that is what the regulations are). You ack the agreement is reconstructed but you ask for proof they have one with your signature on. I've not been on here for quite some time so I've got 7 months worth of catching up to do, but the CPUTR 08 thing jumped out at me when I logged on a couple of days ago, it could be of some help. I've got to find it again myself when i find it I'll put a link on here for you. PM

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Hi Amy, just read the thread on the CCA forgery, I personally would put the account in dispute (if not already) and file away the rubbish they continue to send you. Leave the CCA forgery letter in the back pocket along with the CPUTR 08 request. But as everyone says on here, never speak on the phone, everything registered or recorded and sign nothing. If you start getting telephone calls, i found asking them security questions before speaking to them worked a treat. I even rang them back a few times, after they'd hung up on me and did the same the phone calls stopped!!! DCAs are like CS gas seem life threatening initially but disappear in time!
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