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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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hafilax 1/HBOS CC - no cca but we have an agreement and will produce evidence in court!


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Thanks to everyone for the advice. I have a better understanding of the situation now. I have a lot of loans that have been "stopped" by my dispute letters because the agreements are illegible, do not exist or do not comply, and I was worried about a flurry of claims with amazingly reconstituted agreements. I now know that is not the case.

 

With your help, battling on,

 

Many thanks,

Rocky

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Keep us updated Rocky,, I await my first CCA request...well two actually, one from CABOT for a 1993 YB Visa card. Only did that as they were adding 12% interest how they expect me to ever pay it off when its only beeing paid by token payments at the moment beggars belief. All my other creditors stopped interest years ago...

[sIGPIC][/sIGPIC]Happyhippy1959

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Thanks broke,,, silly me,,,, have been ill this weekend still a bit under the weather and doped up..( legal prescription guys and galls) So what does that mean. I agreed due to my circumstances to pay YB £1.00 a month and without fail I did. They sell to CABOT who have agreed to £1.00 a month but are going to add 12% interest. I have written a letter with the CCA request asking them not too but want to see the Terms and conditions of the original CCA...

[sIGPIC][/sIGPIC]Happyhippy1959

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If they buy the debt with all the rights

and obligations of the original agreement

then they inherit the variations and the arrangement.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I argued this point with cabot untill i was blue in the face, but they would not capitulate, insisting they had the right to charge interest. In the end we agreed to differ, I'll give them their one piece of silver each month so long as they do not add the interest, and they'll retain the right to add it if I stop paying them.

 

If I don't get anything to replace my IB this is one debt that is going to baloon, but hey, this stone ain't bleedin'

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The problem is with Cabot is there intellect

is severely weak to say the least their ''script''

has to be spouted whatever the situation:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I argued this point with cabot untill i was blue in the face, but they would not capitulate, insisting they had the right to charge interest. In the end we agreed to differ, I'll give them their one piece of silver each month so long as they do not add the interest, and they'll retain the right to add it if I stop paying them.

 

If I don't get anything to replace my IB this is one debt that is going to baloon, but hey, this stone ain't bleedin'

 

Was this argument in writing...... because Cabot never even tried to add interest to one of my bought accounts..... although no CCA meant they got nothing anyway; phantom interest or otherwise.

 

:-)

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They didn't other than implying they where above the law and could do what they wanted. They claimed that as interest was allowed under the agreement with Egg, and it was variable they could charge what they liked. The agreement with Egg that was cancelled by Egg before the defaulted balance was written off against tax and sold on.

 

Not too bothered, they can claim what they like, interest or no interest it'll never be paid off in my lifetime. Depending on what happens with my ESA claim it's possible they'll get no more anyway. As I said somewhere else "this stone ain't bleenin'".

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OOOPS, Hippy has opened a can of slime worms here. Count is right, so is BB's mantra, they are only getting what I can afford. they now have the request for my original CCA and lets go from there. NO CCA, NO pay,,,, there shear greed will be there downfall on that if that is the case..... Knowing my luck up will come the original pristine and new out of YB's vaults even from 1991...

 

As the count says, they won't get it in my life time.... 52 already, job on a knife edge,,,, who cares... me BR money is safe and if job goes, House goes, and hippy goes down to court... ( I think I get a bit back if I have ended up on benefits is that right??? ) not the whole £750

[sIGPIC][/sIGPIC]Happyhippy1959

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