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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

car finance charges


thematrix28
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i bought a car on finance

its with british credit trust finance

im in arrears with it due to a change in my work hours

 

i agree to a payment plan but i didnt pay on time with a few payments and only paid half on 1 payment at xmas coz of so many bills and presents

i didnt work my money out so my cash never stretched far enough

 

i had a call from the recovery department who were ok to a point

i asked for a breakdown of the charges which they said they would send a statement

 

the past year its £130 for late and half payments

i think it worked out around £25 each late payment

when i asked for them to show any loss on there accounts to make these charges to me

thats when they became angry

saying i have no chance of that info.

 

i ask why if im paying for charges i would like to know what im paying for so can you justify the charge i got some crap about terms and conditions

i said i was not aware of the late charges they said its all in your T&C i said i dont understand it all

 

im not trying to get out of paying but i would like to know where i stand with the charges they put on me also the finance was for 4 years i only have £1400 left to pay its about 7 months left to settle the debt and i think i may have some late charges from the last 2 years also :-x

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get reclaiming

 

stick their int rate in D15

 

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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thanks mate but the attached sheet has errors on it going off my microsoft.works se ver 9.0 i got the page to open but not everything is clear is there a info file because the notes are not clear they are very brief can you give me some help on how to use it please if you get a min.

Edited by thematrix28
missed a bit out
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i'll see what i can do

std by...

 

dx

  • Confused 1

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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thanks mate but the attached sheet has errors on it going off my microsoft.works se ver 9.0 i got the page to open but not everything is clear is there a info file because the notes are not clear they are very brief can you give me some help on how to use it please if you get a min.

 

Hi

 

dx asked me to drop in.

 

The spreadsheets will not work in MS works.

 

Best thing is to grab yourself a copy of OpenOffice from here

 

A very good office suite and its free. The sheet work in OpenOffice

 

ims

  • Confused 1

 

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thanks for both your help but anothr thing io forgot to add was they said i havent paid the charges as they are put on the end of my settlement so im guessing if i add all the charges up and say it comes to £300 when i end up with just £300 left to pay can i refuse to pay it as they are unfair charges or do i get a slap in the face for doing that lol

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Opened in OpenOffice now it makes sense and the notes make sense so just to make sure im doing this right put my details in the companys details in account # claim from (is the date the charges started) claim to (last date i was charged) APR

 

ok and from row 20 i just put in the relevent info to all the charges

once ive filled it all in what do i do with it after that will it auto cal. the charges and do i print it and send it to them sorry im new to this form and claiming stuff but you have been most helpful up to now i just need a little bit more

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claim to will be auto done i think

use the apr from the agreement.

 

then you need to write a letter of complaint/refund please

 

see the notes in my sig.

 

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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no.3. below

 

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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£6286 car price

£1700 deposit

APR 28.5

intrest £2758 on total amount

arrangement fee £480

settlement fee £120

 

here are my charges all in 2010

1st Nov arrears letter fee £25

19th nov arrears letter fee £25

29th nov late payment fee £14.64

19th nov late payment fee £7.69

now 2011

12th JAN notice of default fee £25

29th jan late payment fee £12.66

12th feb notice of default fee £25

 

i took the finance on 19th march 2008 in the key info it mentions charges that are set out in the conditions no one told me about the charges i was just given the T&C to read thats it any one help do i have a case for the charges back if my T&C say there is charges thanks in confused :-x

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everyones t&c says that

they are PENALTY FEES

 

and as the OFT says

'penalty fees are unlawful.'

 

you REALLY need to read a few thread on charges

try the welcome finance forum

 

all those bar arrangement fee and settlement fee

 

though i cant for the life of me think what that means

pers i'd put them down TOO

but i'll ask ims.

 

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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Ok i sent a letter to them saying along the lines of you have charged me im claiming them back in full with interest

only a court can decide charges and the office of fair trading will step in on my behalf because of the charges.

 

I asked for proof of what the cost are at there end and if they send the evidence ill send it to (OFT) for clarifacation

i give then 14 days to reply that was sent on the 20th jan 2012

ill update you when and if i get a reply and what it says if not ill send another letter giving 14 days to reply if they dont i win by default

also i hear instead of going to court with them there is a court website that you put your details in against a company

and they do the rest you dont have to lift a finger is this true anyone.

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dunno where you are getting all the crap from

probably a stupid reclaims co website

sreer clear of those, they'll fleece you blind.

 

asadvised you need to follow link 3 in my sig below

 

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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dunno where you are getting all the crap from

probably a stupid reclaims co website

excuse me i got the infomation from your sig number 3 besides the bit about court website which a person from CAB told me about. Your sig 3 states (the OFT) would intervene on behalf of the consumer. They did not state that £12 was lawful - in fact they stated that only a court can decide. "A fair default charge should not exceed a reasonable estimate of certain limited administrative costs which the credit card issuer reasonably expects to incur as a result of default"

 

also Both of our letters give 14 days for a response. Together, these give the banks at least 28 days to settle your claim - an acceptable timescale for a court.

 

i put in for interests your sig 3 states You can claim up to £5000 net of costs and interest and this will not affect the track allocation.

so just a few points to your sig 3 which i put in my letter and you say is all crap unless im reading it wrong or took it out of context

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I asked for proof of what the cost are at there end and if they send the evidence ill send it to (OFT) for clarifacation

i give then 14 days to reply that was sent on the 20th jan 2012

ill update you when and if i get a reply and what it says if not ill send another letter giving 14 days to reply if they dont i win by default

also i hear instead of going to court with them there is a court website that you put your details in against a company

and they do the rest you dont have to lift a finger is this true anyone.

 

where?

 

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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also i hear instead of going to court with them there is a court website that you put your details in against a company

and they do the rest you dont have to lift a finger is this true anyone.

 

where?

 

dx

 

ok type in google moneyclaim its a goverment website its basically a online court check it out let me know what you think about it

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MCOL: but there is not enough room to file a ppi nor a charges reclaim POC properly

 

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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i am sure if people call the MCOL helpdesk they will advise on how to do ppi and other money matters i think i need to research a bit more of MCOL as i have only brushed over the surface of it but at least it is there if we need it thanks thematrix28 for bringing light to the MCOL website oh your welcome lol

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its a very well known website

 

you cant

thats why its done by an N1

 

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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ok so the N1 form gives more space and MCOL dont so it will be ok for credit card company charges and bank charges of late payment fees default fee claims and the cost of N1 and MCOL is the same but MCOL is much easier if you dont need alot of infomation to pass over im sure it can only be a good thing for the smaller claims.

Edited by thematrix28
missed a bit
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