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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Lowell and Provi doorstep loan CCA


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provident/vanquis all the same lot!!

but you go after provi for IR claim if the cap fits..

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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i wouldn't not you problem..

 

 

CAG Guide To PDL Reclaims

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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i have looked at the loans and there is a lot overlaping and clear evidence that i was struggling to pay one off not 2

i am now writing a complaint to provi with my concerns and evidence and will update on reply

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with all due respect

let us see it.

 

 

you make so many schoolboy errors another might screw this.

 

 

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

this one i did although it is my first time at it

 

Name

Address

e mail address

Reference/Account number

 

Date

 

Complaint about irresponsible lending

 

Dear Sir/Madam

 

I am writing to you regarding the loans I took out between 11/12/2008 and 28/05/2010 for which I have the necessary Documents which I obtained under SAR.

As you are in possession of these Documents as well there is no need for me to supply you with copies. If however you cannot find these documents I am more than willing to supply you with a copy.

According to your Documents you have rolled my loans over on a number of occasions and also you have supplied me with loan after loan when it was clearly obvious from your documents that I was not financially able to pay the existing loan, you should have realised that when you made a credit check on my file on every application you would have also realised that I was in default on other loans this you did not take into consideration when you supplied me with a loan. Furthermore your agent did not at any time ask about my financial position nor was any questions asked about my income and expenditure at any time.

 

You should have not have given me these unaffordable loans therefore I would ask you to refund the interest charges and any other charges that occurred .

 

The Financial Ombudsman suggest that statutory interest is added to this sort of refund.

 

I only found out that I could make this irresponsible lending complaint in July 2017.

 

I also understand that the Financial Ombudsman will consider all of my loans including those that are over 6 years old.

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simply make it short and simple.

 

between date and date

you allowed me to take out numerous loans, sometimes two at a time, sometimes rolling many loans into one new loan, when it was evident l could not afford them.

 

Not once did your doorstep agent ever ask to see any financial details, nor to my knowledge carry out any affordability checks.

 

I wish you to investigate this serious complaint complain please before I forward all my paperwork on to the FOS.

 

Have already sort advice from them, I believe you have XX days to do so.

 

something like that

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

befre I send it for your approval

Name

Address

e mail address

Provi address

 

Reference/Account number list them.

 

Date

 

Complaint about irresponsible lending

 

Dear Sir/Madam

 

Between the 11th of December 2008 and the 28th of may 2010 you allowed me to take out numerous loans with your company sometimes 2 at a time sometimes rolling many loans into A single new loan when it was evident that I could not afford them.

 

Not once did your doorstop agent ask to see my financial details, or to the best of my knowledge carry out any affordability checks.

 

I wish you to investigate this serious complaint before I submit my evidence to the Financial Ombudsman Service.

 

I have already sort advice from the Financial Ombudsman Service regarding this and I believe that you have 56days (8 weeks) to respond to my claim.

 

Should you fail to respond to my claim within this time period or fail to satisfactorily resolve my complaint I will submit my claim to the Financial Ombudsman Service without further notice to yourselves.

 

Thank you

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blue bits

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

  • 1 month later...

oh well worth a try

 

 

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

what is the actual time frame for this

it says the time period for making a complaint to the ombudsman is six months from the financial decision of the financial business.

 

 

The time period within the which any complaint bought to the business is six years from the event being complained about or if later .

three years from when you knew or could reasonably have known you had a cause to complain.

 

To an ordinary layman this seems like that if knew i could complain last month then the 3 years period came into effect?????

 

can anyone help out on this ruling please

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OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

I think provi are trying to apply the ppi/ccl rules to general complaints

I don't these apply

I was looking at your stuff last night too

might have something for you to muse at later

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

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