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    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Minii credit / Opos


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Thanks

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Firstly i would just like to say, i have read these forums and they have been such a big help to me. Its great to see that im not alone in the situation that i have with these crooks!

 

I have received numerous times the email that everyone gets from Opos regarding the loan i took out with Minicredit. For a £100 loan that i took out with them, my balance now apparently stands at £749.00.

 

I have emailed them to ask for a breakdown in the total that they say i owe and i have not received a reply.

These guys have now started calling my house up to 10 times a day and its really getting me down, and the rest of the people that live here. I spoke to them yesterday to try and sort this mess out as they wouldn't answer my emails, Basically the guy on the phone said that i needed to make a payment today of £45 and he would then after the payment had cleared "get back to me to see if Minicredit would accept monthly repayments of £250"

 

I refuse to pay them any money in the hope they will accept a repayment plan, not only because if they say no then that is my money gone, but also because i dont believe i should be repaying any where near the amount they say that i owe.

 

Does anyone have any advice of what steps i can take next, and also how i can get these people to stop calling me?

 

Thanks

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Firstly send them an email and state that you will only deal with them via letter or email. They are not allowed to ring you more than 3 times a day or it is classed as harassment. Only deal with them via email. Offer them the £100, plus one month interest (£30) and the first default fee, that's what I have done, stick to your guns and they will give in. They were trying me for £1045 on a £100 debt, I have today received an email offering to settle my account on my offer of £155 less payment made to date. When I made my first offer they came back with an reduced settlement of £523, but I ignored them and repeated my original offer. Good luck it is an effort but its worth it!

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  • 2 weeks later...

These guys are playing so hard to get. Ive sent them emails every day for over a week and still no reply, yet they still try and contact me by phone.

 

Ive also received a text from "Optima solicitors" (very professional, no?) regarding this debt, as it has apparently been passed on to them.. conveniently with the same ref number.. they really dont think these things through.

 

Ive just sent another email requesting they send me a full break down, and also that they stop harassing me by phone. I've also CC'd myself in to all emails as a back up.

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With this abuse of process i am inclined to tell them where to stick it. I do not believe there is any set definition of harassment and it can be argued that if you don't answer the phone they can call again. Harrison v link set out some rules ( i think). Why not write to them and email them saying no phone calls writing only. [email protected]. And kristle.martinson @minicredit.co.uk

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