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    • Plus most solicitors are not especially well versed in parking contracts, so you could be paying good money for bad advice.   Sometimes a parking company will send somebody from a local firm of solicitors to save them traveling. They nearly always lose when they come up against a well-prepped defendant because they have no specialist knowledge.
    • So I could make a payment with my new debit card and this won’t link it to PayPal in anyway? Make payment over the phone not via the website? 
    • Standing order, payment via a debit card to online account ?  If you are making payment from your end, it is you authorising and not them having your bank details.            
    • You are the OP of this thread. As I said, I doubt the OP of the original question is following this as she has more important things to worry about.   I'll ask you this:   1. have you ever been in a Magistrates' Court when a Statutory Declaration to set aside a motoring conviction was made?   2. If so did you ever see the maker quizzed or questioned  to test their honesty in connection with the SD?   3. Have you ever seen such a Declaration rejected for want of truthfulness (rather than a procedural or administrative error or mistake)?   My answers to the above would be as follows:   1. Yes on, I would estimate, at least two hundred occasions (six or seven on one day last week alone). It may be more, I've never kept a proper count.   2. No, never.   3. No, never.   Now it could be of course that I have been particularly fortuitous and that all the makers of those SDs were paragons of virtue and/or that all the Magistrates concerned were exceedingly gullible and believed everything they were told without question. On the other hand it could be that during their training the Magistrates were instructed that when hearing an SD they were simply witnessing that it had been made before them and that they were not testing its truth. I imagine they were either shown or have probably seen since a copy of this form which is completed before making an SD:   https://www.justice.gov.uk/courts/procedure-rules/criminal/docs/2014/crim-pr-form-part37-statutory-declaration-revised-feb-2014.pdf   In the "Notes for Guidance" is this:   "Under the Statutory Declarations Act 1835, the defendant’s declaration can be made before anyone who is authorised by law to hear it (e.g. a solicitor), or before any Justice of the Peace (a magistrate or District Judge (Magistrates’ Courts). The person who hears the declaration need not enquire into the truth of it. That person’s function is limited to hearing the declaration, and certifying that he or she has done so by signing it. If the declaration turns out to be untrue, the defendant making it may be punished for perjury."    The bold type is my emphasis so I think I know which of my two scenarios above is more likely. I hope this wasn't too rude or arrogant for you and  I'll leave it at that now. But I will ask you (politely) once again to please stop providing misleading information to people who have enough to worry about. It confuses them, others have to correct it and it leads to unnecessary stress for the posters.
    • Thank you for your help, just to clarify please. In the CPR 31:14  request do I just ask for 1. the agreement .....etc and delete the the items 2. to 6. as listed since these have already been sent to me by the claimant (btw the 'solicitor' is IDEM's litigation dept) or do I ask for all the documents again as they are part of the 'Particulars of the Claim'    Thank you again
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Lucky7even

A warning not to use the Financial Ombudsman Service

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I am upset and angry that the Financial Ombudsman Service clearly has no regard for vulnerable consumers using their service.

 

I would like to warn people DO NOT use the Financial Ombudsman Service.

 

My first complaint was against my bank Halifax, lending me money I could not afford to pay back, breaching parts of the lending code, and that they had leant to me whilst breaching their own lending criteria.

 

FOS sided with Halifax saying they did nothing wrong, even though I'm nearly £14 in debt.

 

My second complaint was against Debt Free Direct.

 

I had complained that they had used my DLA as income, the FOS said they had to.

 

They still insisted I was getting £962 per month, this is not correct as it was £888 per month.

 

Said Debt Free Direct had done nothing wrong, no surprise there.

 

I moaned about the fact I had paid in "2790 and they had only paid £158 to my creditors, they said they couldn't.

 

I am sat here in tears, the FOS are an utter bloody disgrace who do not help the consumer.

 

]I would warn people do not use them at any cost.

 

Totally flabbergasted!!

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This is why you so often see on cag to take banks etc to court. Send SARS and claim charges.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Thanks, I will be doing that.

 

I am just so shocked that its twice they have stitched me up.

 

What is the point of a service like this if they never seem to help consumers?

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They are as much use as a chocolate teapot employing staff with no experience in the financial sector, minimal training and pressurising staff to clear cases as quickly as possible. You could ask for it to be reviewed higher up the food chain.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Are you paying fees to these crooks?

 

WHY are you using them, you need to find out what they are doing with your money!

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No point in going to the independent assessor, they are just as bad as the adjudicators.

 

I stopped paying my IVA over a year ago out of the £2790 I paid into the IVA only £158 has been paid towards my debts.

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No point in going to the independent assessor, they are just as bad as the adjudicators.

 

I stopped paying my IVA over a year ago out of the £2790 I paid into the IVA only £158 has been paid towards my debts.

 

Seems about right for nominee fees, usually around the £2k mark + 15-20% of realisations

 

If you entered into an IVA and it failed because you declined to service at the agreed rate then it seems highly unlikely the FOS would find in your favour

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