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    • 1 Date of the infringement 23/10/2019     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] No idea on original but Debt Recovery Plus states their notice is 07/01/2021   [scan up BOTHSIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received 11/01/2021   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Back of letter mentions it.   5 Is there any photographic evidence of the event? Photographic evidence I went in and out of the car park, also I have evidence the payment machine was not working.   6 Have you appealed? [Y/N?] post up your appeal] No as didn't know I had it.   Have you had a response? [Y/N?] post it up n/a   7 Who is the parking company? Smart Parking Ltd   8. Where exactly [carpark name and town] Bell Centre Melton Mowbray   For either option, does it say which appeals body they operate under. Not been given the option   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 Second letter demanding payment by 29/01/2021     Parking.pdf
    • Sorry, what you've typed above seems to be a bit of a jumble and I'm not sure what the various bold text and coloured text sentences are meant to be. Please could you just post up what you are intending to write. Also, are you sure the DPD local is actually P2G?   Who did you make your contract with? Who provide you with a receipt? With whom do you have the account? Presumably at the bottom of some of the documents you've been receiving, there are the company registration details for DPD local. If that is right then I would have thought that you should simply be suing DPD local. You have the documents in front of you are not me – so you will have to decide that it seems to me that they are poised to reject a claim on the basis that you are suing the wrong identity – and that would mean a waste of money and having to begin again. They are obviously trying to be quite slippery with all their their identities. I think you should examine your account and who you paid.  
    • @Tartan Barty   Tartan Barty's Content (consumeractiongroup.co.uk)    
    • Yes, you're right - hoping they would just do the right thing I guess. So template if not a business would be    Dear   [Reference: (Your products and service)   I am writing to complain about the service you provided when [describe].   We agreed that the service would be performed on (date) However (description of what happened) It has now become apparent that the service you have provided is deficient in the following respects [describe].   Section 49 of The Consumer Rights Act 2015 requires you to carry out your service with reasonable skill and care. The problems described above show that you failed in your legal obligations. I therefore have a claim against you for breach of contract.   As a result of the incident I have suffered consequential losses, which you are liable to compensate me for. These losses are [value/details].   Section 57 of The Consumer Rights Act 2015 prohibits any terms and conditions from restricting a consumer’s rights under the Act.   Under The Consumer Rights Act 2015 remedies for breach of contract must be performed within a reasonable amount of time, without significant inconvenience to me, and whilst the company bears all necessary costs.   I therefore look forward to receiving your reply within the next 14 days.   So could it be  Letter of Claim.   **** – TTL - is claiming £541.89 from Parcel2Go.com Ltd, trading as DPD-Local-Online.co.uk  - DPDLO. This is to cover the costs of TTL having to send a replacement parcel to a customer, as a result of DPDLO refusing to provide the delivery information (courier company and local tracking number) required for TTL to refute a non-delivery claim by the customer. Parcel sent August 20 2020 and delivered August 28th 11.30am (according to DPD tracking)    The customer contacted TTL in September to confirm non-delivery. TTL contacted DPDLO to obtain their information on the shipment, and they raised a Case, and subsequently attempted to close the Case : We’re pleased to let you know that your parcel DPD4227962 has been located. This enquiry has been closed as your parcel has received new tracking events or has been delivered.   TTL asked DPDLO by email for the details behind the above – who made the delivery, where to, who to – obviously basic information needed to check the School’s claim for non-delivery, and which would be expected to be readily available from the DPDLO records.  Despite numerous repeated email requests, DPDLO consistently refused to give TTL this information, and also declined to give TTL information to enable direct contact with the local courier who actually made the delivery on behalf of DPDLO.   Without this information it was obviously impossible for TTL to refute the School’s claim for non-delivery.   Even when, Dec 2nd, DPDLO confirmed that DHL was the local courier, they declined to give TTL the DPDLO / DHL tracking number that would have enabled DHL to identify the delivery.   As a direct result of DPDLO’s refusal to provide the perfectly reasonable information requested, confirming the delivery to the School, TTL is unable to refute the School’s claim for non-delivery, and is left with the full cost of sending a replacement parcel to the School.   The detailed claim comprises AU Customs Declared Goods Value £ 425.00 and shipping £116.89 I look forward to receiving your reply within 14 days.     
    • as said before you NEVER ring a DCA or their dogs ever ..they will LIE TO YOU.   trustonline.org using your old name and address. get the CCJ numer then go ring northants bulk as advised earlier.    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Lottie v Pay Day Loans and FOS complaint


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Citizen's Advice believe that the majority of payday loans could be complained about; their in depth analysis of 665 payday loan cases, reported to its consumer service between 1 January and 30 June 2013, finds that at least 76% could have grounds for an official complaint to the Financial Ombudsman including:

 

1 in 5 were possible cases of fraud – where a person was chased for a loan they hadn’t taken out.

More than a third involved issues with continuous payment authorities including money that was not authorised to be taken.

12% involved harassment whereby lenders pester people with phone calls and text messages rather than accept affordable repayment offers.

1 in 10 were about lenders’ unfair treatment of people in financial difficulties.

 

Why you should complain to the FOS

 

Every creditor is allowed 25 free investigations by the FOS, all subsequent investigations will be charged at £550 each to the lender. You can read more about the way the FOS charges here: http://www.financial-ombudsman.org.uk/publications/technical_notes/QG1.pdf

 

Given that payday loans are generally given for small amounts, the charge made by the FOS is often very high by comparison - usually more than the actual loan amount. As such complaining could put a massive dent in a payday loan lender's profits. In addition, you may find that a lender agrees to write-off a loan as it could be financially cheaper than allowing a FOS investigation.

 

Get complaining, it makes a LOT of sense.

 

Complaints just been emailed off for 9 different PDL companies!

 

Didn't take long! Everyone should do it!

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Year 2012-2013

Payday loans

 

how-consumers-can-take-complaints-further.jpg Natalie Ceeney, chief financial ombudsman,

However, there was an 83pc increase in the number of complaints about payday lenders – from 296 cases to 542. Many complaints about payday firms involved them unexpectedly draining struggling borrowers’ accounts of cash. There were also complaints from customers who had never taken out a payday loan but were being chased for money. Some lenders made repeated attempts to withdraw money from their customer’s accounts and charged fees and interest every time.

 

I feel the F.O.S had better brace themselves.rolleyes.gif

Quote-Lottielox85

 

Complaints just been emailed off for 9 different PDL companies!

Didn't take long! Everyone should do it !:clap2:

 

 

Remember what some have put you through.

It is the right thing to do.

And letting them know about the turmoil you have been through may change things.

And help others.

 

You could find you get a refund for an unauthorised payment or compensation for unfair treatment. "By making your voice heard you will expose the bad behaviour of lenders and put pressure on them to clean up their act which could help stop similar problems happening to other people."

The chances are also high that the ombudsman will uphold a payday loan complaint in the consumer's favour.

Of 160 complaints made to the ombudsman between April and June this year about payday loans, 72% were upheld.

Edited by tawnyowl
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Did you list all nine in one complaint or separately ?

 

Separately as I had different issues with each company. In fact only one of the ten companies we stupidly borrowed from have escaped complaint. They were piggy bank. Borrowed £400 from them, defaultd, they gave us their bank details next day and agreed immediately to our repayment plan. As they played ball, didnt add any fees or charges and were decent we have actually cleared that debt. All the others have had complaints made and I hope we cost them money cos none of our loans, plus interest have been worth £550 so would be judgement in them.

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Lottie, would you please keep us updated with the way in which the FOS deals with these :)

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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

HI there,

 

I'm seriously thinking about doing this - is it best to use the template on the CAB website?

 

Also, it said about 5 days for them to acknowledge your complaint. Does this mean that if the companies don't write back in that time you have a case?

 

Sorry if I'm been a little stupid, I just need to get everything straight before I go up against these lot.

 

Thanks

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Then I guess I fall into the 1/5 that they couldn't be bothered with

 

What was the outcome?

Was it a complaint that fell within the jurisdiction of the FOS?

Did you appeal the final decision?

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  • 1 month later...
Then I guess I fall into the 1/5 that they couldn't be bothered with

 

Do you have a thread that will help us understand why your complaint was not upheld ?

 

Sadly some consumers simply give up at the first rejection - there is the right to escalate a complaint to the Ombudsman.

 

In some cases, consumers have been unable to articulate their problem sufficiently for the adjudicator to understand it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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