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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Argos Store card default Charges


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Hi,

 

I thought I would make this post, I have found a couple of other posts on here on this subject but they don't go anywhere or get finished. I always finish something I set out to do so I will follow through with this thread to it's conclusion.

 

I have set out claiming refunds from all of the people I have had financial dealings with and so far through being bull headed I have had successes with Blackhorse (full refund of charges) and Lombard (full refund of charges) the next two on my radar are Argos store card (Home Retail Group) and Asda Credit card (Santander) both have rejected my claims to date.

 

This post is about Argos, I have attached a copy of their reject letter, can you please have a look through it and give me your thoughts, I do not really want to go to the ombudsmen, I think I know that they will agree with Argos, so I believe my alternative is small claims.

 

 

Please let me know what you think. My claim is for £155.25 (£108 charges).

 

AS

Idem/ACM and RBS Lombard Full refund of fees.

Blackhorse Car Loan Full refund of fees without argument.

Argos store card (Home Retail Group) are fighting back. see my posts.

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Their charges are unlawful and unenforceable. Go to the FOS instead of court. The charges also dont come under the limitation act iirc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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http://www.moneysavingexpert.com/reclaim/credit-card-charges

 

Thats for credit cards, but the idea is still the same

 

http://www.money.co.uk/article/1003229-how-to-reclaim-your-credit-card-charges.htm

 

1. Stick to your guns:

Credit card companies don’t like giving money back so they’ll try to put you off, even citing the changes around bank charges as a reason to delay your credit card claim. Don’t let them get away with it – they have to deal with your claim now, one way or another.

 

Read more: http://www.money.co.uk/article/1003229-how-to-reclaim-your-credit-card-charges.htm#ixzz2sNlpEpSr

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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charge are covered by the 6yrs

but you can goto court and challenge that.

 

the FOS are a waste of time of charges

they will not make a decision.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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any PENALTY charge is unlawful.

 

until/unless they publish their cost

regardless of employing some bod to assess them

[same trick as what GE pulled]

 

however they are correct that they can offset as all CCC's can do

as long as they own the account.

 

so sounds like they are going to do that.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanks for all of the info, excellent as usual, dx the good news is the account is paid in full so they do owe me.

 

I am going to do the same as I did with Arden (Lombard) and ask them for a break down of their costs. It alleges in the letter that it costs £12 to send a letter, two of the charges I am claiming are letter fees.

 

AS

Idem/ACM and RBS Lombard Full refund of fees.

Blackhorse Car Loan Full refund of fees without argument.

Argos store card (Home Retail Group) are fighting back. see my posts.

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that's the way to do it!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 month later...

I have received a further rejection letter from Argos Store Card, this time it looks like even a team leader hasn't got a clue what they are doing. I have never mentioned Coversafe Insurance, I didn't have any insurance on this card.

 

I now have to make a decision wether to go the LBA, Court route or try out the FOS, I am still not confident in the FOS.

 

If I go to court can I get access to the documents they intend to use as Evidence in their defence? As it states in this letter.

 

Any experience other caggers have or advice would be appreciated, I am not giving up this easily, they cannot justify £12 to send a letter.

 

Thanks

 

AS

Idem/ACM and RBS Lombard Full refund of fees.

Blackhorse Car Loan Full refund of fees without argument.

Argos store card (Home Retail Group) are fighting back. see my posts.

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until they publish their costs then they remain a PENALTY charge and thus unlawful.

 

even the OFT/FSA doc says so.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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