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    • Hello,   following proper advice, I pulled into the services after a long drive for a rest as I was literally falling asleep at the wheel.    this was cobham services on a2 in Kent for 59mins.   I pass through here often and have never noticed you have to pay £1 to stay there longer than 35mins.   today I received a PCN for £100!!!     please answer the following questions.   1 Date of the infringement 15/10/20     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 21/10/20   3 Date received 24/10/20   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] yes   5 Is there any photographic evidence of the event? Photo of numberplate    6 Have you appealed? [Y/N?] post up your appeal] N   Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? Euro car park    8. Where exactly [carpark name and town] Esso cobham services gravesend, A2 trunk road da12 3bh   For either option, does it say which appeals body they operate under. POPLA /BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   thank you all in advance for advice   
    • Can't see the reasoning on stationary, bored children half term no pens, paper pencils and colouring books  not a good mix.
    • But if 'non-essential' retail outlets can still deliver even though they have to close the shop what's the reasoning behind not allowing supermarkets to deliver the same items?  I read a whole article this morning on how deliveries are fine but click and collect isn't.   And as an aside, what's he got against office supplies for everyone WFH?  I could have a whole other discussion about his allowing unlimited sales of batteries - can't work, can't clothe your children but you should devote your time to battery powered devices.  You have to wonder.
    • He is stopping retailers allowed to open selling what is on the Non Essential list as he says not fair supermarketys can sell what the shops he forced to close sell, he is looking at restricting online shopping to exclude non essential items don't think he can though.  Argos closed their retail outlets but are taking online orders for delivery.
    • It has been established in several cases that Delivering isn't parking, and in any case if it was the 10 minutes grace would apply.  they would be silly to take a delivery driver to court if on deliveries. Were you in a van or car?
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
      • 3 replies
    • 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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Halifax Mortgage Overcharging


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Hi, On 4th June I made a large transfer to pay off my mortgage to the halifax. The sum I transferred was the sum I was told from one of their advisors. I then logged onto my account a few days later to see my balance was reading around negative £1900. I immediately phoned up the advisor who told me I had transferred too much. I didn't understand as this was the amount I was told by the original adviser. Anyway I obviously happily accepted this and was told the money would be transferred back to me within 10 days. 10 days passed and no money was in the account so again I phoned up to explain the situation and was again told (by a different adviser) that everything was ok and it sometimes could take up to 15 days. So today (20/06) I phoned up to check what was going on, only to be told I had infact made the correct payment and I wouldn't be receiving any money back. As you can imagine having been told by two separate advisors that I would be receiving the money this came as a huge shock to me, especially since I had just paid for a family holiday with the money I was told id be getting back!! So this leaves me £1800 out of pocket!! I raised an initial complaint and after some apologising I was offered £300. What about the rest of the money that I have already spent which leaves me out of pocket! Am I entitled to get all this money back? The phone calls are all recorded they told me so I have proof.

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So the mortgage payment was made as you had originally requested for them to do.

 

There was a bit of confusion about the payment being applied in the meantime - which was the basis of your complaint.

 

And now they've paid you £1800.

 

Amazing. Either you're incredibly polite & a pleasure to talk to on the phone or the complaints handler (and also their manager) was in a very good mood!

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With all due respect, I dont think you should have pledged/spent the money, until it was in your account :(

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