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    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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.
       
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    • 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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Hi,

I went to Morissons supermarket this morning and could not find a space. Everywhere was taken up so I parked my car on the end of a row. There was no obstruction and I was literally 2 mins (I have a reciept to prove it) and when I came back I saw a parking ticket placed under my wiper and a slightly wet 'executive lolipop man' stood there with a smirk on his face. I took the ticket, walked up to him and said this is pointless, you have no power to enforce the ticket and threw it back at him, got in my car and drove off. A friend told me about the recent '1st October Freedom of information act' and I'm wondering if Euro Car Parks have any authority to up hold the charge.

 

A bit of knowledge would be appreciated and I do not have the ticket.

 

James.

*I forgot to add, the car park was free

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+1 ^^^^^^^^^^^^^^

 

The Protection of Freedoms Act (POFA) essentially makes no difference. In order to enforce their speculative invoices a private parking company (PPC) would need to win at court whether they went after the driver - were they able to identify who that was - or whether they made use of the provisions of POFA and went after the registered keeper. Seeing as Euro Car Parks have never done court then anything they did in this direction would be a first.

 

Besides POFA there have been some notable cases this year and PPC's are well aware that unless they can demonstrate that they have a proprietary interest in the land they claim to be enforcing upon then any case they take to court is going to end up down the pan.

 

Sit back, put your feet up and treat yourself to a nice glass of wine/beer/ mug of tea/coffee or a fag (which ever is your poison of choice) and relax.

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Correction, Euro have been to court once, but they lost spectacularly (from another forum,dated 10 October this year):-

 

"They took me to court for "£2,560", and yesterday, the judge quite correctly dismissed the case.

 

 

- No evidence of contract between Sainsburys and ECP

- No witness statement

- Nothing to show the claimant has the right to issue proceedings

- No proof of system of data collection, no evidence to show the cameras were working and that it's safe to rely on their evidence

- No proof of breach of contract

- No submission of of evidence of quantifiable losses, therefore their ludicrous "parking charge notices" are nothing more than unenforceable penalties"

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Correction, Euro have been to court once, but they lost spectacularly (from another forum,dated 10 October this year):-

 

"They took me to court for "£2,560", and yesterday, the judge quite correctly dismissed the case.

 

 

- No evidence of contract between Sainsburys and ECP

- No witness statement

- Nothing to show the claimant has the right to issue proceedings

- No proof of system of data collection, no evidence to show the cameras were working and that it's safe to rely on their evidence

- No proof of breach of contract

- No submission of of evidence of quantifiable losses, therefore their ludicrous "parking charge notices" are nothing more than unenforceable penalties"

That was a judgment brought about by a very good defence and I think a solicitor was responsible. Do you have a link to it?

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Correction, Euro have been to court once, but they lost spectacularly (from another forum,dated 10 October this year):-

 

"They took me to court for "£2,560", and yesterday, the judge quite correctly dismissed the case.

 

 

- No evidence of contract between Sainsburys and ECP

- No witness statement

- Nothing to show the claimant has the right to issue proceedings

- No proof of system of data collection, no evidence to show the cameras were working and that it's safe to rely on their evidence

- No proof of breach of contract

- No submission of of evidence of quantifiable losses, therefore their ludicrous "parking charge notices" are nothing more than unenforceable penalties"

Thanks DBC. I'd missed that one. I was relying on personal knowledge and the FOI data for 2011. That'll teach me to rely on my memory.

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