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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.
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NRAM Repossession - Second Time


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OK, which payments did you miss and have you made any payments since then ?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi, I am a first time user and reading the comments & information has been great . Makes me feel that I am not the only one with problems with NRAM. We have had a suspended order on us since Dec 2009 paying arrears then of £16,000 at £118 per month on top of the mortgage. In October received last salary as and paid the Mortgage in full. November company went into admin so got no salary Nov or Dec. Phoned NRAM told them what had happened and that new owners would be paying salaries. NRAM have applied for eviction order. when I spoke to them they want extra £500 per

month and £4000 instant payment . Dohhh ! if I had £4000 I would not be behind. So now waiting for a date. but want to tell them where to stick the property and rent for half the price.

how can I get an extension on the eviction order to give us time to find a property and move ?

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Hi, you can apply to the court on an N244 form to ask for a hearing in front of a judge and explain what happened and make your offer of payments. Have a look at the guide here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession where you will see examples of how to complete the N244. If you need help with a statement for Q.10 of the form please ask.

 

Also have a look at the repossession successes forum - you will see that you won't lose your home if you can make monthly payments plus an amount towards the arrears. The fact that you have been making payments towards the arrears since 2009 will help your case enormously.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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You're best to wait for the notice from the court before putting in the N244 - if NRAM have only just applied for an eviction order then you should write to them (by special delivery) refer them to the telephone conversation you had regarding your salary from new employer and advise them you will be able to continue payments as you have done since 2009. Keep a copy of the letter so you can affix it to the N244, this will help your case. If you need help with the letter please ask and I can let you have a draft.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi cagger, thanks for this, I will get the letter done and then wait for the order before sending in the N244. We are seriously looking now

at going into rented property as the amount of money that NRAM want means the house will never be ours anyhow.

wonder if we can get an extension to give us time to move out, or wondering if we can put the house on sale whilst we look

this would be a better deal for NRAM, its in negative equity.

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Hi cagger, thanks for this, I will get the letter done and then wait for the order before sending in the N244. We are seriously looking now

 

at going into rented property as the amount of money that NRAM want means the house will never be ours anyhow.

 

wonder if we can get an extension to give us time to move out, or wondering if we can put the house on sale whilst we look

 

this would be a better deal for NRAM, its in negative equity.

 

 

 

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I wish you luck this forums has been great for help in the past I got eviction notice in 2010 and agreed a payment plan in court fell behind end of 2011 again and judge gave another chance then September last year I was a week late with a payment and again they took me to court and I won again and got payment reduced.sadly in the beginning of December my wife's bank closed the overdraft eating her wages so msde payment almost a month late. Got letter on forth for eviction and its set for 24th I really can't see me winning this time but I'm filling out a n244 and asking for more time to find rental property really don't think the judge would give me another chance but here's hopeing

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Hey Good Luck with yours, Going to push for a reduction in payments and to have the order suspended again, and looking for a property to rent. NRAM had me on Mortgage plus £118 to apy arrears back over 12 years already done 2 when I missed the payment, now they want extra £500 month plus £4000 !!! This seems like the magic figure charge everyone £4000 whta you cant pay, then

get you evicted, the house gets sold for a pittance , but the main thing is that its taken off NRAMs ( our goverment ) books then write off the balance. One less to pay interest to the Goverment on.

and the "Mandate" team . Its the same person who you talk to when you call, they pretend to walk to another dept put you on hold then answer you, Try asking to speak to the Mandate dept

they have no phone line !!!. I reckon we should all get together and lobby the goverment about their actions. Dont let the bastards get you down.

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Hey Good Luck with yours, Going to push for a reduction in payments and to have the order suspended again, and looking for a property to rent. NRAM had me on Mortgage plus £118 to apy arrears back over 12 years already done 2 when I missed the payment, now they want extra £500 month plus £4000 !!! This seems like the magic figure charge everyone £4000 whta you cant pay, then

 

get you evicted, the house gets sold for a pittance , but the main thing is that its taken off NRAMs ( our goverment ) books then write off the balance. One less to pay interest to the Goverment on.

 

and the "Mandate" team . Its the same person who you talk to when you call, they pretend to walk to another dept put you on hold then answer you, Try asking to speak to the Mandate dept

 

they have no phone line !!!. I reckon we should all get together and lobby the goverment about their actions. Dont let the bastards get you down.

 

 

 

Cheers they won't get me down were resigned to go into rented accommodation but to be honest this stress hasn't done my health any good do once we get over the initial shock of loosing home we might start living life again and enjoying it

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  • 4 weeks later...

Thanks to all who posted for me. Had a court hearing 29th Jan ( my Birthday ! ) supported by CAB and they were brilliant. I did not have to say anything

and the judge suspended the eviction order. On the 7th Feb NRAM called me , I thought to confirm the court order/new arrangement, No it was to tell me

that my family was to be evicted on the 12th Feb !!!! unless I paid £4000 immediatley and £500 per month extra . Told them about the court descision,

which they new nothing about and it was not on my records so they did not believe me . They are absolute tossers, took me about an hour to get them to call

thier legals and get the truth. Yipeee . but no apology

NRAM are absolute waste of time if you have a problem with them - get straight onto CAB as they have loads of cases involving them.

Thanks once again for all your support

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Nram are tossers no one knows what they are doing there one person tells you one thing you ring back and someone else tells you something else and the third you speak to has no idea why the other 2 would tell you what they did im gouing through crap with them again i have posted a thread today hoping i can get the advice i need

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