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    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
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pre-ticked box for online applications


jay2014
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Hi

 

Wondering can you claim back cash advance fees from Cap1

 

i'll tell you what i found on my bills lots of little £3 cash advance fees for gala coral

 

i went through a stage when i was playing a lot of online bingo using my cap1 card

 

not knowing that i would be charged for every single time i made a deposit

 

before gala were took over by coral payments on my cap1 card shown up as aquapay and there was no fee

 

at the time coral took over i had a bit of a bingo bug and well cap1 must be thinking happy days

 

because they made about £400 in cash advance fees from me

 

just wondered if anyone knew if i could try to claim them back, surely cap1 should have told me about the charges

 

anyway i honestly thought i was buying online tickets, not going to the cash point

 

any help would be great help Jay

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

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no sadly you cannot.

 

 

its in the T&C's that taking cash out costs you.

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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  • 2 weeks later...

Hi

 

does anyone have any information about cap1 use of pre-ticked boxes for ppi for online applications back in 2001

 

the reason i ask is cause my partner noticed ppi on her bill back in 2011

 

we then rang up cap1 and stopped it then, never noticed in all the years before

 

so we decided to make a ppi claim not so long ago

 

and as you guess they come up with the norm you choose the ppi box on your online application back in 2001

 

but to our surprise they said they don't have to prove that to us

 

so we seem to have got stung by the clever cap1 gits like many other people

 

so is there anyway to get around this problem, ten years of ppi that we didnt want, or know about

 

Jay

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

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make them prove it.

 

 

did you sar them.

 

 

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

Hi

 

Yes we did sar them and are waiting for that back

 

we asked them to prove it, they said they do not need to prove it ??

 

that's why we did the sar but to be honest i dont see how the sar can help prove it

 

Jay

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

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the sar must contain the proof they are relying on. 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 dx

 

we shall await the SAR

 

had my own SAR back from cap1 the other day, and they don't seem to like giving up all the info

i didn't need all my info, but just to get on their nerves i called them up and are making them send me everything, my monthly bills, letters and phone calls :lol:

 

Jay

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

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