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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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Experto/Varde now Arrow/Shoos Claimform - old MBNA card debt


roygoodbeat
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  • 3 weeks later...

No response from the company regarding my subject access request.

 

Have had a letter from MBNA. They claim they have not unlawfully rescended their agreement and that they did not sell the debt until the end of October.

 

According the the company they have sold it to, they claimed mid October they had been sold the debt and they verbally confirmed this was sold approx beginning of October.

 

Still waiting for the subject access request I sent them.

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After a few letters and random phone call all went quiet.

 

Now I have a Mr Green calling me on behalf of MBNA. Does not do any security checks when he calls, just goes straight into I am calling you regarding your MBNA debt or the money you owe MBNA.

 

Speaks very agressively on the phone.

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Find out what company he works for if you can, and report them to the ICO for failing to carry out security checks - clear breach of the Data Protection Act.

 

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  • 2 weeks later...
Spoke to the new company after receiving a series of demands from them. They do not appear to have a copy of my subject access request despite them signing for it. Getting frustrated with this as this will simply prove unlawful recession.

 

Hi Roy,

 

Who did you send the SAR to out of interest?

 

Those of us that have found out the 'true' sold date have got that info through a SAR to MBNA. If you have sent this before to MBNA (I think you have without reading back) you may need to send them another one to get the info since your last SAR. Apologies if i've misunderstood, but your post above reads that you've sent SAR to the 'new people'.

 

M

 

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  • 3 weeks later...

They have passed the deadline for 40 days after sending a subject access request. They sent me some basic info and stated that the rest will need to be sent from MBNA eg: Deed of assignement. They have not produced proof or proof of date when they were sold the debt.

 

I have sent them notice that they must respond within 10 days or else I would consider taking legal action against them. That's expired too and still no info.

 

I looked at my credit report and it does not state when it was sold to the new company.

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Have requested this. The only thing they sent was a page from a PC. Looks like it was loaded on the 30th Sep which coincides with when they verbally told me that they would have purchased the debt. They wrote on the 14th Oct to say that they had been sold this.

 

MBNA claim this was not sold until 31st Oct but was identified before hand.

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  • 3 weeks later...

What to do next??

 

I have now written to the Information Commissioner and threatened the new owners legal action as they have not complied with my Sunject Access Request.

 

MBNA have denied unlawful recession, they have said that they have done nothing wrong and the debt now belongs to another party.

 

My credit record does not show when the new debt was aquired.

 

What to do next?

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Roy, they told me that my sale was identified beforehand but I have the evidence both in the letter from Hillesdens (dlc) and MBNA's comms log.

 

You may need to do another SAR to get this from MBNA (not who it has been sold to) if your original SAR was a while ago, then this information wouldn't have been showing then.

 

As far as the CRA's are concerned, perhaps MBNA have wised up on this!

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I was thinking that the new owner could get "creative". If you have the comms log from MBN@ it will tie everything up nice.

 

Knowing Exspurtos typing skills you will be luck to get anything out of them.

 

Pumpytums

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MBN@,

do tend to send most of the info you need if you wish mention the communications log in your SAR. They were a little late with mine but only by about a week.

 

I would be interested to hear what you managed to get out of Exspurto with your SAR?

 

Pumpytums

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Nothing apart from a couple of computer print outs and a screen shot showing the date of 30th Sep. The default notice was sent on the 7th October and should have finished 14 (plus 2) days after that. I received a letter dated 14th October stating that it had been sold to Experto.

 

The default notice did not comply with the regs.

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april 2009 and to the new company in feb 2010.

 

Just had the new compnay send me statements but not deed of assignment or proof that they legally own the debt. I have now written to the information comissioner.

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Hi Roy,

 

I would definately SAR MBNA again and specifically request the comms log, I agree with MandM, I do not think you will get the sale date confirmation from anywhere else and I would mention that you are after this confirmation just in case they have the ability to amend dates on their systems!

Not that I am suspicious! ;)

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  • 2 months later...

Latest update:

 

Someone from Experto called and started demanding when I would pay them. Furthermore, when I explained that they had not sent me a deed of assignment, he said that they had sent everything, I should realy know what I am talking about as the recent Waksman ruling stated that they could enforce the debt and was frankly rude and agressive in tone.

 

A little bit annoyed as they have not proved that they own the debt and refuse to send me this. MBNA just write back and say;"speak to experto" or they have not unlawfully rescended this agreement.

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Now had a series of calls from Aegis? who keep calling me on my work mobile. I have advised them not to call on my work mobile number, but they keep doing it.

 

In this case, they have issued an unforceable agreement and have issued me with an incorrect default notice.

 

Does anyone know what I am liable for? I beleave it is the max that was outstanding at the time of the deafult notice. I understand I can offset this with costs and interest. Anyone know what amounts?

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