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    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
    • ther thing we need to do is identify the land correctly, so state where exactly it was. If you mean the Tesco/aldi car park  then there is a sign at the entrance but that isnt an offer pf a parking contract with charges fro breaching it so maybe an invitation to teat at best. Cant tell who it is with though so not good for these bandits
    • Hi,   I've been sent a claim form from Hoist finance UK Holdings, after speaking with them I believe it's with Robinson way.   I dont recall ever being sent a letter of claim beforehand, the debt is a Barclaycard and the amount if around £1500.   Speaking to robinson way they are unwilling to negotiate with me and simply told me to return the claim form.    Is there anything I can do to avoid the CCJ, I'm happy to arrange a payment plan with them and certainly would've if a letter of claim was sent.   Thanks 
    • you have to look back a long way to get all the info you need on contract law that covers the contracts offered by the parking co. let us say wha it is if worded properly, it is a unilateral contract, which is basicaly an advertisement of something that by your actions you accept. they are enforceable as such. CARLILL v Carbolic Smake Ball Co is the mainstay on adverts as contracts.   Burden of proof- well that is a 2 way street in this case as they will say that they had lots of signs so you must have read them. we say that they need to be specific to the circumstance of a motorist entering private land in a car so they ahve to be legible and transparent at the point of entry from the public highway or it isnt a proper offer. Get the signage right and the fact that you drive in a manner that would get you nicked by not paying due care and attention wont allow you to claim that you didnt see the signs. the reality is though that the signs are often piddlingly small, hidden or unlit and usually without the necessary planning permissions so thre illegallya dn thus fail to create a contract.   demand for payment  within 14 days at a a time well after the correct NTK/NTD was issued is OK, problem is that many of the original charge notices are duff so no liability exists.   youcnat ask for other people's personal data, only they can. If you were the keeper at the time then it will be you they are chasing but other than that all you can do is get her to name you as the driver ands ee if they want to obey the law and start all over again against you.   Now as the original Northern Parking services were wound up by the govt for being naughty you should look up the original paperwork you still have and see who the creditor was at the time. Also get pictures of the sigange as all of the signs from the Co I have seen fail to mention the new version of the company and that makes the contract offered by the signage void.   so for example the secod letter of calom that is headed Northern Parking Services - no such company, it was wound up and this lot either dont know who they are or are too lazy or stupid to explain themselves. There is no tie between the 2 companies with similar names so why are they passing themselves off as a bunch of out of business crooks I wonder? I suspect that they took over the books of the wound up co and failed to explain themselves to the old clients and just carried on. Now that will be somehting to explore IF they do take you to court.   We really need to see the signs(ideally as they were back then so streetview archive images plus new photos please) if possible along with the original paperwork and an idea of when they dropped through your letter box with reference to the 12+2 days allowed under the POFA.   If you can get that then it will be fairly easy to compose a stinging response to their LBA.
    • The timeplate only relates to the parking bay. The SYL's are governed by the times on the entry signs to the Controlled Parking Zone. I've looked on Croydons website but can't find the restriction times for Zone W. The T-bar is no longer a requirement, but the SYL must be substantially compliant, which from your photo I would say it is.   You need to get a resident permit or at least visitor permits ASAP or you're going to continue to get more pcn's  
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James220

Very.co.uk Debt, Advice needed

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Thanks for the great advice Guys although I'm still unsure if its worth sending a CCA,

 

I Recieved a acknowledgement letter for the SAR so hopefully they should be sending me details on all the charges asap,

 

Im not sure what you mean by "Catalogue cd" Ford?

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Thread has been moved to the correct forum.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

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1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

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its a cat debt

cat forum.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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..........Im not sure what you mean by "Catalogue cd" Ford?

 

meant the catalogue card


IMO

:-):rant:

 

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meant the catalogue card

 

I opend the account with very around 5 years ago

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I finaliy received all the infomation requested with the SAR and each of the £12 charges amount to £324,

 

Now all I need to do is workout the interest thats been added to the charges as they date back from 2007 upto 2012.

 

The interest rate states 44.9% on my account so how would you best advice I work this out? as like i said the charges date back to 2007,

 

Thanks

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx,

 

I've completed the The CI Sheet, So now I asume I send a print out of the completed CI sheet with the Reclaim charges Letter template to very?

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok so as well as sending The completed CI Sheet with a reclaim charges letter, I should also send a complaint letter in a seperate envelope?

 

Also I'm in the process of setting up a debt managment plan with CCCS so would you advise me to deal with getting these charges back now or after the dmp is in place?

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makes no odds really

 

SOC and Complaint leter in same env is ok

 

what was you total?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok great thanks' I'll get them posted out first thing tomorrow.

 

The total to reclaim stands at £534 so heres hoping its swiftly dealt with :)

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Hello James i had a debt with very from 2006, After the same issue of mass intrest and mass charges i decided to CCA them as of the advice from this site, I owed them £1,785 after all the charges etc, They had no signed agreement they tried fobbing me off with current terms and conditions, but after a letter back they sent me a letter back telling me they no longer will be persuing me for the debt, NDR money took ages to actually speak to very to get it sorted but since September 2011 heard nothing and the debt is no longer on my Credit report. So for a £1 CCA request get on it mate

 

Cheers

 

Journey Man

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Hi journy man, A signed copy of the consumer credit agreement, which I must have signed back in 2005 came with all my other account information after sending the SAR ,

 

So unfortunately I can't get them to write the debt off like you did :x

 

The signed consumer credit agreement they sent me does state a interest rate of 32.9% though so maybe i can get somthing back there? As the current interest rate is 44.9%

Edited by James220

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Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

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Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

 

start a new thread

see below

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dx100uk is advising you to start your own thread so it will be personal to your circumstances.

 

Below his initials, dx, there is in bold red a link that says How To Start Your Own Thread, click on it and follow what it says.

 

Follow this guide

Edited by daverules

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Just to update on this:

 

I have not received any money back from very or a reply to The completed CI Sheet with a reclaim charges letter,( sent twice via recorded post)

 

Although I did get a reply from the complaint letter basicly Telling me that they felt I was delt with fairly and they now consider my complaint matter closed (so that was a waste of time)

 

They have now stopped the charges but only because I'm now on a debt management plan with CCS,

 

Do you think I still should be able claim back the charges and if so whats my next step?

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If that was their final response then escalate the matter to the FOS.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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if this is their first refusal

 

write back stating the fsa stuff about their findings did not give creditors permission to levy a PENALTY charge

whatever its level, esp a fixed blanket one , without giving a true accoun of their costs incurred

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry for unearthing such an old thread. But i am in a simialr situation and need a little advice. I fell into arrears with my Very account simply because those BNPL charges hit rather costly, which in turn made my monthly installments reach a whopping 200+ per month. I politely contacted them around a year ago and after many back and forth telephone calls and emails managed to agree a year payment plan of £70.

 

I haven't missed a payment since setting this up, then this morning I recieved two letter on through my door. The first being one demanding a payment in full of a staggering £489 arrears payment followed by the same for the foreseeable future. The second was a letter telling me my payment reached them a day late, how and why this happened I don;t now, as I pay this every month at my local post office ono the exact same day, and this has never arisen before now! I'm both letters arrived on the same day, so even if I had the spare almost £500 floating around I wouldnt have had time to correct the problem at hand.

 

I'm really not keen on calling them, as everytime I have done in the past they are very rude and rather obnoxious with me, and I find myself getting past from pillar to post with little to no resolution being offered at the end of it for my efforts. What can I do leaglly to correct this matter? As all I want to do is make them a sensible offer and get this debt paid up without the threats and nasty letters arriving through my door.

 

Thanks in advance for any help you may have, It's all very much appreciated.

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You need to start a new thread

Of your own please

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thread now closed to stop newbie bumpings since 2012


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1044 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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