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    • Thanks for your help. I've redacted the PNC number and I've re-uploaded here. I'll see if I can get out there to photograph the signs, but this may be tricky due as its not that close baby schedules don't afford me alot of free time.   Edited to add - its not in Plymouth, its in Stafford.   UKCPS NTK udated.pdf
    • hi ya can you pop the NTD up as a PDF please Read upload Carefully. you'd left the barcodes showing which can be read remove those and pop it up as a PDF   dx  
    • can you please answer my question?   dx
    • Hi all. I've attached what was my first letter from Smart, didn't get an NTK in the first place. Emailed in from this asking for more details, no admission of driver etc. Didn't get a satisfactory response so ignored everything up to the recent shoddy LBC   See below:   1 The date of infringement? 29th October 2019   2 Have you yet appealed to the parking company yet? [Y/N?] Only asked for more details via website as NTK wasn't received and informed Smart that multiple drivers have access to car and 2 drivers use same carpark.   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]   has there been a response? Short letter saying that as 'per the BPA code of practice appeals must be submitted before 28 days' however it wasn't an appeal, just a request for more information   please post it up as well, suitably redacted. [as a PDF- follow the upload guide]   If you haven't appealed yet - ,.........DONT ! seek advice on your topic first.   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] NO   what date is on it NA   Did the NTK provide photographic evidence? Probably, but don't know   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NA   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] NA   5 Who is the parking company? Smart   6. where exactly [Carpark name and town] did you park? Goose Green, Altrincham  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Groovy, 99% ready to go that, plan to have it in tomorrows post

 

for the missing April 1999 to August 2001 statements I put £10 pm PPI as that seem to be average for the following 10 months but put that section down as estimated

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  • 4 weeks later...

Writing only

Else you have no papertrail if you have to goto the FOS

 

There q's are usually loaded in their favour to minimise or negate a pay out anyway

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 rang and they wanted to arrange an over the phone interview

 

I asked her what questions they wanted to ask, she told me some of the questions, I of course gave no answers to them, these questions were already answered on the FOS questionnaire

 

They are going to ring me 11am Monday, I will see what they say, will refer to them to the FOS questionnaire I have already sent, and ask them very firmly why have they only sent texts messages and phone calls, why no letters

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  • 1 month later...

Text received from NatWest

 

Dear Mr *********
Re PPI ref:********. We have sent you a letter detailing the outcome of our investigation into your concerns. Please allow 10 working days for receipt. 
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well done let us know when it arrives and ill mark this as  won.

 

I think its an R50? tax wise.

it on the HMRC site

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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