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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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      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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Payday Battle


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Thanks, actually I just started a log but didn't think to actually answer then hang up, will do that. They are still calling even though I have said what you wrote before!! They are a nightmare!

 

They are a nightmare. Remember, they are loan sharks with a license. They will do anything they can to bully and harass you to pay back more than you owe and to agree to repayments you cannot afford. As i said before, answer the phone as normal, ask who is it. If they say theyre from a PDL, then simply hang up and record the date and time along with the PDL name, or state that you have no wish to talk to them by phone, and hang up and record.

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

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Capital Finance - good luck!! They took over £600 out of my account when I got paid despite the fact I had a repayment plan with them and are still refusing a refund. be very very careful with them. MT Collect is the debt collecter they hand over to (although I am pretty sure it is just a division of their company not a seperate company). They were quite rude at first but I finally spoke to someone who was really helpful and set up a payment plan of £20.00 a month straight away for me and I haven't had problems with them so far. Problem with Cap Finance I found is that they have never once answered any of my emails. So I was forced to do it over the phone - which as you can see from here is NOT the way to do it!

 

Do you have a repayment plan with Minicredit? I'm having so much trouble with them, they refuse every payment plan I suggest!

 

well done on your other negotiations :) don't worry I completley gatecrashed this thread aswell!!

 

 

How did they take the £600. Because You could be able to sue them or contact the police for theft, since you did not agree to them taking payment, and they refuse to refund it. There are ways around it, but we'd need to know the method of payment first.

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

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Guest Poguesy
Don't mean to gatecrash your thread but had 3 successful negotiations paid today - Txtloan paid off F+F of £89.73 despite asking for £190, 1monthloan paid off at £76 despite wanting £134 and Wagedayadvance wanted £194, offered £55 and settled at £70.76.

 

Pleased with that, just minicredit and Cap Finance 1 to go, I've repaid minicredit £55 and 4 x £40 to Freds on their behalf, might say that's your lot with that one. Only one I need to make inroads to is CFO but they're a nightmare.

 

Bloody gate crashers! :p

 

Well done, so far :D

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Guest Poguesy
Hiya

 

I have sent about 2-3 emails a day. I finally got a reply today but it just asked for an income expenditure form, so will do that and then see what happens. can't believe how long it is taking!!

 

Can't wait for that day I really can't!! How have you been getting on?

 

You're doing great and you'll get there eventually :)

 

I'm still having problems with the Money Shop but everything else is sorted.

 

Think i'll try a f+f with them at the end of the month and see what they say.

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Guest Poguesy
Shows that the main question you need to ask yourself before taking out loans like this is: are you organised and can you pay them back properly?

 

I agree.

 

I've noticed many people state they can't pay back due to "unforseen circumstances" but in reality we all just took them out without thinking and knowing we can't pay it back.

 

I'm not ashamed to admit doing so.

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Neither am I! my stance is we had the money in the first place and it needs re-paying Though I hate the charges they put on the paying people - that will never be justified I've now repaid 5 out of 6 and believe not one company has suffered

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Me neither, i admit to being rubbish with money. However had I not lost my job, I may well have been able to clear them all off by now. In the current climate with wage cuts, reduced hours and jobs going the risk of those unforseen circumstances vastly increases

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How did they take the £600. Because You could be able to sue them or contact the police for theft, since you did not agree to them taking payment, and they refuse to refund it. There are ways around it, but we'd need to know the method of payment first.

 

My debt had been handed over to MT Collect and I had set up a repayment plan with them (unfortunatley by phone) I requested a letter or email confirmation which I didn't receive. Then on my payday Capital Finance took over £600 in several transactions. When I rang MT Collect they said it was nothing to do with them as Capital Finance took the money. Spoke to Capital Finance after going back and forth for a week or so they then told me I had violated the contract by applying for other loans with them while I had my current one (which I never did!) My bank said if I had proof of the payment plan they might be able to help but of course that never arrived.

 

I have continued to send emails but they have all been ignored so far. Apparently for 33 days after they hand the debt to MT Collect they reserve the right to try for part or all of the payments - I wasn't told this. I have no idea what else to do now!

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Shows that the main question you need to ask yourself before taking out loans like this is: are you organised and can you pay them back properly?

 

Good on you for being one of the people who are doing it the right way!

 

Completley agree, I never looked far enough into the future to realise I wouldn't be able to pay this back. Am terrible with money but buried my head in the sand for far too long! Have learnt my lesson the hard way though

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Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

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Simply send them a letter back stating that you revoke all permission under common law for themselves or their representatives to come on to your property. If they do come on to your property or knock on your door, then they will be committing trespass and the police will be called.

 

If they ignore this and they do come and knock on the door, tell them in whatever way you like to go away. If they dont, then call the police. If you open the door and they try to stop you closing it, call the police and state that you have an intruder and you fear for your life.

 

As one of the admins on this site rightly said,when it comes to doorstep collectors, or indeed ANYONE apart from the postman or legal authority (such as court appointed baliff or the police) , your next door neighbours cat has more legal rights then them.

 

Sent them the email or letter clearly stating this. DO NOT PHONE THEM AND TELL THEM.

 

If they do turn up ( its very unlikely they will), do as i said above. Tell them in no uncertain terms and whatever english words you like where they can go, and call the police immediately if they will not leave or if they even try to enter your property or stop you closing your door.

 

Please note, property includes gardens, houses, cars or any other place you may be located at that belongs to you.

 

 

Again, they are NOT allowed onto or into any of your property. If they do, they are committing a criminal act and you should treat it as such. Tell your parents do not worry as they have no legal rights and the law is 100% on your side. If they have any doubts, tell them to come and visit this website and check the multiple guides on dealing with doorstep collectors.

 

You can even go to http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10034289 and read the regulations for yourself. You should also note, that since they say they can visit, you are also legally able to revoke all permission for them to come to your property. Same as you would for anyone else you dont want on your land.

Edited by renegadeimp

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

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Good to know, thanks! I have spoken to them on the phone already (I did record it) but I will also send a letter and email. I hope it won't come to them actually turning up but thanks for the advice if they do

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I edited my post to give a bit more detail.

 

Also, in future, don't use the phone. You may be recording the conversation, however they can easily say that the person who answered was not authorised to deal with the situation and as such its null and void. Thats why this site and any legal representative will always say to make sure it is always dealt with in writing, as well as written details being the best way to keep a good dossier of evidence.

 

Keep us updated.

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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Thank you, I will get my parents to look on here that should ease their worry somewhat. Ok, I have now sent an email stating this and am composing a letter aswell to send them. Will let you know what happens!

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Hi Guys looks like many people having problems with this company and i am one many also, so far its been enjoyable in the fact they don't seem understand what Data Protection Act means to them and they feel they can break the law on that they also like feel scaring customers into paying full up or be sent to debt recoverty team who is Money Shop !!! that funny because they parnters also so far been sent to head office Express Finance who again just make be laugh to.

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Guest Poguesy
Also - has anyone had any dealings with Mini credit? I received a letter yesterday FINAL DOORSTEP COLLECTOR NOTICE. It says that I will be visited by 30/03 for the payment. When I spoke to them earlier in the week by email I said that this was illegal and they needed a court order but they told me that it is different as it is not a bailiff and the person just comes and asks for the money and leave with or without the money. Is this true, can they do this? My parents unfortunatley opened the letter and are extremely distressed by the thought of someone coming to the door especially if I am not here. Feel awful having put them in this situation.

 

From other posts it would appear they don't actually do this, but do add charges for it.

 

You'll probably have to wait until this **** pass it onto a debt collector.

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From other posts it would appear they don't actually do this, but do add charges for it.

 

You'll probably have to wait until this **** pass it onto a debt collector.

 

And if it EVER gets to court, those charges will be completely wiped from the debt.

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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:whoo:

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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Congrats to all. It shows that knowledge and dogged persistance wins all.

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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