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    • I can understand that you mean well (cheers for that and I appreciate it) but really its the kind of upbringing I had where being mean to mean people is highly discouraged as it leaves one struggling to distinguish between good and bad. I have slightly modified the letter as recommended by honeybee13. Please let me know your thoughts guys. Thank you   Dear Simple-Simon, VCS invoice no: VCS4***** You clearly are not as simple as you sound. Why would I part ways with my hard earned cash and hand it over to a to a company that has no locus standi here and has fallen into the same trap as OPS v W at Lewes CC 24th April 2020, particularly paras 52-65. Your prohibitive signs are just that and no offer of a contract. Even if they were a legitimate offer of a contract, they completely ignore the 5-10 minute grace period usually afforded in such cases anyway.   I believe VCS is already in breach of GDPR as it had no legitimate reason to ask for my details. If you want to take me to Court, you’re more than welcome as I will be seeking a full costs recovery through a recovery order. No liability or debt is owed to VCS so please refrain from sending any future letters demanding money. Finally I'll refer you to the Arkell v Pressdram case and the letter from Private Eye magazine, act on that!
    • Apologies that this is similar to other posts but not quite what I need   I'm a home owner but took the mortgage when I lived with my mum as she wasn't in full time employment, and I paid it as board after she gifted me the house sale money from when her and my dad divorced. so although I'm the owner it really is my mums house. £12,000 mortgage and £9,000 secured loan remainig   I've had a gambling debt before and paid it all off using payplan apart from a loan I got against the house when I lived with my mum.   I'm now married but not on the mortgage of our house and my wife is the owner   January 2019 I gambled again using paypal - There was a switch you could tick and I didn't need any funds on my account. I chased and chased and ended up losing £54,000 over a couple of days.   I quickly got loans as my credit had got better as it was 6+ years after my IVU for what I could and used overdrafts and credit cards to pay as much as I could back to Paypal. I had no idea how much Id lost until it came through a few days later.   I still owe paypal £15,100 who have now passed their debt on to wescot    I contacted paypal at the time and said it shouldn't be allowed to deposit that much without some sort of check but they said as they don't lend they don't have to comply with a lending agreement. seems worse than a payday loan to me ? has anyone took this similar situation to court or anything. I know I was wrong for gambling but I genuinely thought at the time I would win more and pay it back which is why I kept going !   So now I owe    Paypal - Wescot - 15,100 no agreement to pay anything back ratesetter loan £11,150 - they wouldn't agree a plan to pay £1 per month but seems they've passed it on to Cabot financial and I've not contacted them yet. Aqua master card 5,800 - passed on to cabot financial and £1 payment agreed per month Hitachi loan £14,500 - no agreement in place just received a letter saying I now owe the full balance Halifax loan £4,500 - agreed to pay £1 per month Halifax overdraft £210.00 - agreed to pay £1 per month Santander overdraft £1,238 - on hold Barclays credit card £2,200 - on hold Next shopping account  £293.74 on hold   is it conceivable that I'll pay £1 for the rest of my life to these companies ?    What are my options ?   Thanks for your help                    
    • Hi dx, HB and Dave    Thank you very much for your messages and attending to my posting so fast. My wife is max impressed with you all working on a Saturday.   Thank you dx - Yes Counter Claim - i will try and convince my wife. Its just more work and cause more delay I guess. I feel and advised my wife that rather than counter claim she should serve a writ on the Landlords and her previous employers. its their carelessness and aperthy which I think are the root of the problem   Regarding the documents i posted - yes please get rid of them all after you have had a chance to look at them because i dont think they will be of use to anyone else.   My plan tomorrow morning is to apply to the Court to have their case dismissed for not following CPR procedures    Have a great Sunday Best/BF
    • For PCN's received through the post [ ANPR camera capture]   please answer the following questions.   1 Date of the infringement 24-Feb-20     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 02-Mar-20   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 12-Mar-20     4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No     5 Is there any photographic evidence of the event? Yes. already uploaded alongside my 2nd post.     6 Have you appealed? [Y/N?] post up your appeal] Yes. It was done online on myparkingcharge.co.uk but unable to find now as it says this ticket is not valid. I had asked the PCN to be cancelled on the basis that plot where I parked the car at 05:05 in the morning was away from the main road and away from double red lines.   Have you had a response? [Y/N?] post it up Yes. " We refer to your appeal in respect of the above Charge Notice (CN) received on 23/03/2020. 26/03/2020 Having considered the points you have raised and reviewed our records, we are unable to accept your appeal. Our main reason(s) for this decision are as follows: The signs at the entrance to the East Midlands International Airport and the access roads within, clearly state "No Stopping", giving clear notice that the land is private property and that a Charge of £100 will be levied if vehicles do stop. The above detailed vehicle stopped in a zone where stopping is prohibited and the driver became liable to pay that Charge. In your appeal you have confirmed to us that on the date in question, you stopped your vehicle on the access road, which is an area where stopping is not permitted. A review of our CCTV evidence has confirmed that on the date in question, your vehicle stopped to drop off a passenger on the access road where restrictions apply. There are over 240 high profile signs advising drivers not to stop and warning that if a driver does stop, a charge of £100 is payable. The signs exceed recognised industry standards, with some as large as 2m by 1.1m (6ft 6in by 3ft 7in) which clearly state "No Stopping" alongside the nationally recognised Highway Code symbol for a Clearway (No Stopping). Furthermore, the signage on the approach road is reflective and positioned to face oncoming vehicles and the text size used is relative to the average approach speed of a vehicle in relation to the speed limit in force at that location. We have fully reviewed this case and we are satisfied that the Charge Notice was correctly issued. We are unable to accept the mitigating circumstances raised in your representations, your appeal is therefore rejected and the Charge will stand; photographic evidence which supports this can be viewed at www.myparkingcharge.co.uk..   7 Who is the parking company? VCS     8. Where exactly [carpark name and town] East Midlands Airport, castle Donington, DE74 2TQ     For either option, does it say which appeals body they operate under. IAS     There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here Received 02 more comms titled "Demand for Payment" and "Final Demand" before the LBC. in demand for payment letter they have made a reference to "ParkingEye Limited v Beavis (2015} UKSC 67 in which the Supreme Court held that parking charges serve a legitimate commercial interest and are neither extravagant nor unconscionable."   copy the windscreen or ANPR section to your thread and answer the questions... …….... in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY   NOTES FOR TICKETS ISSUED IN SCOTLAND   if the Private PCN is issued for a car park within Scotland   you are safe to totally ignore ..but not everything!! do not respond and tell them who the driver is better to not respond at all...   NEVER EVER ignore a court claim or a letter entitled letter of/before claim/action   you are very safe to ignore anything from a DCA or a fake/tame solicitor simply mentioning court  ALL_VCS_Correspondence_(Redacted).pdf
    • Hello, I am a victim, probably like many others, of Hermes and Paclink 'losing' items of high value and only compensating £25 which is akin to theft.   As we prepare for our baby's arrival we've been clearing out and selling stuff on ebay. I had sold a few items and used Hermes no problems. When we sold a higher value item, a Burlington Shower, (rrp £700) for £522, I again selected Hermes next day delivery for £6.94 via Ebay's own delivery platform, paclink.    This was 9th March 2020.  By 26th March 2020, the item had not arrived and I had to refund the buyer.    Paclink tracking number: GB2020EBAY0004909689  Hermes tracking number: 5641 2587 5736 9215   Paclink and Hermes freely admitted they'd lost the item and offered me a refund of the £6.94 delivery fee, plus £25 standard compensation, leaving me nearly £500 out of pocket. Paclink sent me £25 and closed the case.  I never spoke to a real person.    I used the European Resolver body to contact Hermes who responded that    Unfortunately Hermes and Paclink are two separate companies and we cannot get involved with Paclink regarding any claims. I can confirm we have no reason to suspect foul play regarding your parcel.    Kind regards,    Amanda Hutchinson, Hermes Escalations Department, Hermes, 1 Capitol Close, Moreley, Leeds, LS27 0WH T: 0344 522 7341.   I don't know what to do in this situation, feel exploited and powerless. Its a terrible state of affairs and feels like it could even be criminal. Someone somewhere is using a loophole to not care about the service being sold and profiteering from other people's losses.  I saw the Channel 4 program 'Joe Lycett's got your back' and saw van loads of well labelled packages being sold off to an auction house in Birmingham. What happens to the proceeds of those sales? It all seems very strange and nefarious and I would love some help to get my money back please!   Thank you, Annadina 
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Mjenko

Cardsave Cancellation Trap

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My apologies if this appears in the wrong place which I think it is, but I am new and when I tried to post in the Bank sector I was messaged 'This forum is not accepting new posts!'

 

I have a Cardsave Merchant Services online facility which I have never used. I have been paying £24/month. I knew I was in a 12 month contract, so waited until twelve months were up then cancelled my contract. I am then told by the cancellations department that I needed to cancel before the end of 12 months giving 30 days notice otherwise the contract rolls over into another 12 months. I therefore needed to cancel in month 23, or it would roll over again! I am therefore to be charged £150 cancellation fee plus a further 12 months at £24/month. £438! Nice little earner!

 

1) Is this even lawful?

2) Does anyone have any suggestions on how to deal with this one?

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Have moved you into the Bank and Finance Subforums:- holder.gifGeneral.

 

They are having a laugh and rolling contracts are not lawful. Stop your payments.

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They can recover their loss and that is the balance of your contract for the year you cancel in. The cancellation fee is mentioned in ther contract in section 7 but i am stumped as to find a reason for this on top of anything else as it is not a loss they have suffered or expect to do so.

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My apologies if this appears in the wrong place which I think it is, but I am new and when I tried to post in the Bank sector I was messaged 'This forum is not accepting new posts!'

 

I have a Cardsave Merchant Services online facility which I have never used. I have been paying £24/month. I knew I was in a 12 month contract, so waited until twelve months were up then cancelled my contract. I am then told by the cancellations department that I needed to cancel before the end of 12 months giving 30 days notice otherwise the contract rolls over into another 12 months. I therefore needed to cancel in month 23, or it would roll over again! I am therefore to be charged £150 cancellation fee plus a further 12 months at £24/month. £438! Nice little earner!

 

1) Is this even lawful?

2) Does anyone have any suggestions on how to deal with this one?

 

 

 

I've had the same problem as yourself. I recently ceased trading this year and cancelled my contract with Cardsave. They issued me a bill of £150 + vat for cancelling the contract and a further £200 as they want me to pay line rental up to the next rolling contract date (in 2014).

I have since read up on the Consumer Credit Act 1974 which states that if your a sole trader in a contract over 18months you are able to cancel the contract free of these fees Cardsave are charging. The act states you may have to pay a 'restocking fee' but I'm not sure how much Cardsave believe this to be.

I am currently taking this matter with Cardsave further and they are now demanding an extra £500+vat for the terminal (not sure why as I have proof this was collected from me).

Please let me know how you have got on and if anyone else has took on Cardsave and won.

 

For anyone else wanting to sign up with Cardsave please avoid them at all costs! Cardsave will tell you it is a 12 month contract but fail to mention it is a rolling contract, try it... Ring up and ask them if they offer just a 12 month contract - they will say yes, just 12 months!

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