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    • Well that will lead to more backdoor CCJs. I think you need to complain to all and sundry.  Let's start with the BPA.  The BPA are PE's mates, so they will never decide that PE have done anything wrong.  But that's not the point, correspondence between the two may lead to PE promising to write to the Scottish address, which is all you want.  Check the below for accuracy as methinks you have sent more correspondence that what I've quoted.  How about something like - Dear BPA, Re : Parkingeye Ltd PCN no.XXXXX, Claim no.XXXXX PCN no.XXXXX I am writing to complain about your above-mentioned member. I understand of course that you cannot enter into the merits of why a PCN was issued. The reason for my complaint is that, instead of writing to me at my address at XXXXX, Scotland, your member insists in writing to me at XXXXX, England, which is an address which I have never lived at.  I have always resided at the Scottish address.  The address registered with the DVLA for the vehicle is my Scottish address. I first because aware of this mess when the person who lives at the English address kindly contacted me, to tell me that a County Court Judgement for me had arrived at that address.  I requested that Parking Eye agree to a set aside by consent.  However, they refused.  I ended up paying £XXX despite having had no chance to defend myself. Regardng the second PCN, I attach correspondence dated XX February and XX March.  The latter was a complaint - which your operator has completely ignored.  Even worse, they have instructed debt collecting agencies twice to write to the English address.  On top of this, the person at the English address is moving out next week which means I am in danger a second time of losing a court case by default. I would therefore like to complain about your operator and would request that you instruct them to do what should be a simple thing - to write to me at my correct address. Yours, XXXXX
    • The lucky winner put the £100 into Premium Bonds just over a year ago. Check who scooped the £1million jackpot and all other major prices above £1,000 in our tables.View the full article
    • Hello DX -  So an update:  Resolvecall have written to say they have closed the account with them and passed it back to Capquest after receipt of my SB letter. Capquest have written twice, once offering a payment plan and the second letter after receiving my SB letter saying they are looking into my complaint and will respond within 8 weeks.   Absolutely no mention of what the debt is, was or from when or any details still.   Is this a case now of waiting to see what they come back with or is now the moment for me to send another letter via Solicitor please?
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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QQ complaint over irresponsible lending, over a 4 year period **WON +£7K thru FOS**


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I have put in a complaint to QQ for irresponsible lending, over a 4 year period. I don't think they examined my case very much. Got what seems like a cut and paste reply rejecting my complaint and them saying they are happy with the checks they do. I think this will go to the FOS as there is clear evidence of rolling over loans long term and the business is short term lending ?? I think they hope most people will go away at the rejection e mail.

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QQ rejected my complaint at first. Then I asked if it was final offer and sent them details proving I had defaults etc at the time of loans they then wrote back and wipe out existing loan £600 + interest and sent me £150 for inconvenience. I probably had paid more in interest but just wanted to be get rid of debt. As long as you can prove through credit report loans were irresponsible you should have no problem. I use noddle as it is free and shows all loans and defaults.

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Thanks Janes, I am in the process of filling out the FOS forms. Looking at the FOS website and the complaints against QQ (CASHEURONET IS THE COMPANY) over the last 12 months 75-80% of claims have been found in favour of the customer. I am confident the FOS will find in my favour as it is quite straight forward rolling loans throughout.

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own thread created

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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Hi guys,

 

I have complained to a Wonga, and quickquid, which Wonga have paid out. I am waiting for wonga to reply, they have until Wednesday... However when I initially emailed them I asked for a copy of my transaction history, this was so I could piece together what loans I had and over what duration. What was strange was that even though I had not mentioned complaining, QQ emailed me back.. within 2 hours.. explaining they had extensively looked into my account and could find no evidence of wrong doing. I emailed them back saying this was all well and good, but I until that point had not complained. It was at this point I started to get some real answers....

 

Remember when complaining you have the automatic right to a Complaint number, and if you arent satisfied in the 8 weeks following posting your cdmplaint, go to the FOS.

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  • 1 month later...

Hi. I should have replied sooner but the FOS were excellent. Very quickly found in my favour. Credit to QQ they didn't argue once the adjudicator had made his judgement and paid in excess of a 7k refund. I feel justice has prevailed.

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thanks for updating the thread

title amended to reflect your win

 

 

glad cag could help

 

 

please consider donating to the sites upkeep

 

 

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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Hi. I should have replied sooner but the FOS were excellent. Very quickly found in my favour. Credit to QQ they didn't argue once the adjudicator had made his judgement and paid in excess of a 7k refund. I feel justice has prevailed.

 

Hi,

could I ask what you did as an initial letter?

 

 

I'm about to start a claim as I was in the same position as you and ended up with a flex credit account somehow that I had to borrow from others to pay off.

 

 

Do I just write asking for a breakdown of the account history first,

 

 

or complain and ask for one?

 

 

Any help would be greatly appreciated.

 

Thanks.

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Hi, would you mind having a look at my thread? I think it's very similar to tigers66 and just want to make sure I do the correct things?

 

 

It's here.. http://www.consumeractiongroup.co.uk/forum/showthread.php?457337-QQ-Want-to-complain-for-Irresponsible-lending-Need-advice

 

 

Thanks guys.

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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