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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • 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/
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Barclaycard / egg transfer nightmare


HP Mum
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I was thinking more along the lines of threatening enforcement or court action AFTER they've been told the a/c is in clear dispute.

 

If they push ahead with collection, making threats of intended legal action, despite being told there's a dispute, they could be in trouble for NOT taking measures to ensure the debt is properly collectible by Marlin.

 

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  • 2 weeks later...

Good Afternoon !

 

An update:

 

I wrote to MC solicitors and simply told them to stop writing to me as I was disputing the alleged debt held by Marlin.

I also questioned their collection behaviour considering they shared a building (+ potential front reception who signed for my CCA Request) with Marlin....

 

I have not heard back from MC yet.

 

However, I have just received a letter from Marlin.

 

Marlin acknowledge my complaint and will be looking into it over the next 8 weeks (2 months).....

 

Is 8 weeks a statutory timing ?

It is the first I have heard that a dca needs to check details within an 8 week period ??

 

Clearly Marlin has missed the CCA request deadline for my request which was, to date, 5 or 6 weeks ago.

So is there a 3-4 month deadline Marlin has to abide by? Or is Marlin just making up the boundaries as they go along !!??

 

I also am wondering if this is strategic - like Marlin or MC will deliberately send out letters with short deadlines, to reply during August when people may well be away on holidays....

Just a thought....

You know how people always seem to get debt collecting letters in the weeks running up to Christmas ....

 

One good thing - the sun is shining :-)

xx

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Hi

 

Think they are talking about the FOS timetables if you wish to take it further. You have complained they have 8 weeks to respond. Either they will with a final response or you are free to go to FOS. I have done this with a DCA on a another matter and its same same wording as ours. Went to FOS as the DCA was jerking us about and todate have won £150 in compo via FOS. Also done pretty quickly as they seem to be seperating PPI away from other stuff.

 

I would be pretty happy tbh honest as you now have got a response. Before it was starting to look like you were on the path to a claim.

 

Forget the times they are outside the 12+2 days so are in default and the account is now unenforceable for the time being. They cant say they havnt recieved the request either as they are now looking into your complaint.

 

A small victory as you and one other poster were the only two with looming solicitors across all the forums so far.

 

Yay and as you say its a sunshiny day.

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just the other day I had to sort out some details with my accounts @ Barclays. The desk person showed me the screen as he was working. My eyes glanced across the screen at all the details. And sitting there in all its glory was an egg card account number with a glorious "closed" beside it....

Will be interesting exactly what M bought and what details Barc have given them - bearing in mind that egg never replied to my CCA / SAR requests either...

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I liked your post early days on all of this and have followed your thread since.

 

Alot thought this was going to be a walk in the park. Still might be but it should be treated as the threat it clearly is.

 

Marlin will have scared many many people into paying. For everyone on here there will be many many people out there who just had this set of letters fall through the post boxes who never thought they could fight back.

 

You never know thats all this could be. A big con as they know the paperworks pants. Anyone who challenges just leave in abeyance. If they admit nothing they could come back at it one day or just write it off.

 

Anybody who hasnt replied either by paying up or asking for paperwork will get the solicitors letters now. More will pay and am sure some will be taken to court for a default judgment. Once they have that paperwork becomes irrelevant. Why waste time on a 100 odd refusniks (Bet across all forums you would be hard pressed to find even this many) asking for paperwork now when you could get default judgments on lots?

 

If egg didnt have it then good chance nothing there now. But now you got a new CCA request in all the better. Cant say they dont have it.

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Hi HPMum,

 

I really doesn't matter what amount of time Marlin allow themselves to respond to your complaint. Until they comply with your CCA request, they cannot pursue for payments. So you can let them take as long as they choose.

 

There's no point in complaining about the time they take to respond as you'd have to go to the FOS who will allow them 8 weeks for every reply to a letter.

 

The only other option, if you run out of patience, is to take direct action using BCOBC.

 

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Evening Slick

I am delighted that Marlin have acknowledged the letters I sent in and are dealing with my complaints. I have tons of patience ! I don't care how long they take as long as they don't sneak in a judgment - which it seems they can't yet.

 

I have noted, upon re-reading the letter, that Marlin have made no mention about the signed for CCA request, just my complaint letters that they will look into. However, I guess that these letters make direct reference to my CCA Request and their failure to respond, so indirectly they are acknowledging my request.

 

I really hope that my case will stand out as a template for others to get rid of egg, Marlin and MC !!

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  • 4 weeks later...

Evening,

Another update.

Marlin have written again - saying they are still investigating my complaints and following up my requests.

I am not quite sure what that really means ;-)

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Hi Mum,

 

That's fine - until they supply the goods, they can do nothing.

 

:wink:

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  • 1 month later...

An update :-)

 

Marlin have written back.

They confirm they have not provided the docs I requested via Sect 77-79 of the CCA '74.

They say they have requested these docs from the original creditor and will be supplied as soon as poss.

They confirm that until these docs have been provided that the credit agreement has become unenforceable.

However, they say that this does not mean the debt can be written off.

 

Marlin then outline the Can and Cannot details:

i.e.: Marlin CAN

- ask me to pay what I owe (allegedly)

- send me a default notice

- pass info on to a credit reference agency

- pass info to a debt collector

- sell the debt to someone else

- take the case to court

 

and Marlin CANNOT:

- make me pay the debt before I am supposed to

- get a court judgment against me

- take back anything hired or bought on credit, or take anything used as security in the agreement

 

SO....

does this mean...

They can ask but can't enforce ?

Can take the case to court but can't get a judgment cos they can not prove the debt is mine ? So why take it to court ? What can the court do then ?

they can sell the alleged debt, but that person or company can't chase the debt either...

 

I am a little bit confused as to what this really means.

It kind of seems they are stuffed But then and again I am not sure....

 

Any feedback ???

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simply put THEY KNOW THEY ARE STUFFED!!

 

if they have exceeded the 12+2 WORKING day limit

 

then fires off [if not already]

 

the failure to comply letter.

 

then all done.

 

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 Mum,

 

They can take you to court but, without a credit agreement, their case could be doomed to fail.

 

They can ask you to pay but you're not obliged to do so.

 

If they choose to sell the a/c on, the new owner will still be in the same position, being unable to enforce.

 

:-D

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Thanks Dx

Is there a failure to comply letter template somewhere here ?

What exactly would a foc letter tell marlin ?

 

They are well beyond 12+2. But I kind of read those dates as irrelevant if they ended up producing original docs from egg anyway ?

Which I sincerely doubt they will. Given egg's circumstances.

I hope my situation gives hope to others now....

 

One other slightly worrying thing:

I have recently had correspondence from Barclaycard, My visa card has been suspended due to "my other account". I don't have another card with them. Am wondering if they mean egg card. Which I thought they had sold to Marlin and had nothing to do with anymore...

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Hi Mum,

 

BC will be aware of the ex-Egg a/c dispute because they took over all Egg a/c's so they'll be wary of you defaulting on the BC Visa card.

 

Probably little you can do about this suspension, I'm sorry to say.

 

This template may suit re the Marlin dispute - http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent

 

:-)

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yep

 

send this one

 

then until they produce an enforceable cca

 

no cca = no pay

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

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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Are we starting to get a feel for where these old Egg debts are?

 

Has the paperwork been destroyed?

 

Did Barclays and Egg's IT systems talk to each other?

If not, how accurate is the information that went to Barclays?

 

It would be safe to assume that accounts that were in good order would have transferred no problem, probably with a bit of assistance from the account holders, and are providing them with a return on investment.

 

Certainly the information presented to me has been inaccurate, and there is still no sign of a CCA.

 

I'm not going to get complacent with this, though.

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BEC - I think the solution is to write to which ever dca has your account now. Get the paperwork moving and maybe force their hand - like I seem to have done. If people ignore the dca that seems to be where court action is taken

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I agree.

I think I just got off my backside in time.

 

If I hadn't replied I think I would have been a good candidate for a default judgement.

 

I wonder how many people just cough-up small amounts that they cannot afford (probably out of their food/heating budget) through sheer bullying.

 

People - like businesses - can become insolvent for any number of reasons.

Businesses can fold and re-emerge very easily (or even get bailed out by the taxpayer), but individuals who have fallen on hard times are being sentenced to year upon year of bullying and threats: having their lives destroyed by it.

 

It's wrong, and it is very easy to separate can't pay from won't pay, so there is no excuse for these terrible situations.

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  • 2 months later...

Hello ...Again :shock:

 

I just received A-N-Other letter from Marlin. Following on from post #87 !

Interestingly it is almost end September and it is dated early August !! So I am wondering if this is some kind of under-handed ploy. I don't think I am going to throw the envelope away in this instance... Just in case.

 

So... Simply the letter says:

 

Account Ref: xxxx

Creditor: Marlin etc

Original Acc #: xxxx Barclays Bank plc trading as Barclaycard

Agreement Date: XXX 2003

Account Type: Credit/Storecards

 

Statement of Account

Following is a statement of your account covering xx early Feb 2013-start Aug 2013

Opening Balance in Feb = £ xx

Closing Balance in Aug = £ xx

 

If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a specific order, which is set out in the next paragraph of this statement.

The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the balance is cleared completely.

 

Payments of less that the full amount will be allocated in the following order:

1) to pay any amounts of interest applied to your account,

2) to pay any costs and charges applied to your account, and

3) to pay the principal sum owed.

 

No interest is currently payable on the amount outstanding.

 

Dispute Resolution

If you have a problem with your agreement, please try to resolve it with us in the first instance.

If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service.

If you do not take up your problem with us first you not be able to complain to the Ombudsman.

We can provide details of how to contact the Ombudsman.

If you would like to discuss this statement of your account please contact our agent, MFS etc etc

 

Please note that this is not a demand for immediate payment and the closing balance does not represent a settlement quotation.

Yours faithfully,

MCE Ltd.

 

So what is M playing at ? I can't figure it out.

Any thoughts

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We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 2 months later...

OK - An update:

 

I just received a letter from the Compliance Dept at Marlin.

 

it is entitled Barclays t/a Barclaycard (originally Egg)

"I write further to the above matter. Please find enclosed a copy of your agreement and statement. I hope this is of assistance to you"

 

Marlin have attached a 14 page document - an Agreement but certainly not MY agreement as there is no signature or details relating this document to ME. Then there is 1 page of a different type face statement - just a few lines with my name and address and a balance....

 

Has anyone else received this ??

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