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    • hsbc don't need their own data back. but yes send them a copy of the FOS CQ.   you are quite entitled to send the FOS a covering letter.
    • hi Laya and welcome to CAG   They are just trying their luck and you should ignore these demands with no reply at all.   Don't call or email or respond in any way - when they realise you're not taking their threats seriously, they'll move on to weaker prey.   There will be no court proceedings at all so don't worry about this. They have no grounds for court action and that's not how they operate.   😎
    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
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lostforwords

Same offence in less than an hour. Do I have to pay?

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Good morning. Few days ago I urgently drove my friend to A&E and I unawarely made a prohibited (right) turn. 40 minutes later I drove my friend back home and committed the same contravention. I didn't see the "no right turn" sign at all, so it is completely my fault. I could also add that the road was quite deserted (although I imagine is not an excuse). I am just checking with you if there is any possibility I can only pay it once. I am quite shocked as it is my second (and third) penalty charge in over 40 years. Not mentioning the costs!! Thanks for any help or suggestion. Have a good day.

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I'm afraid that you will have to pay twice.


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Oh gosh! Any chance applies to "can't be fined twice in the same day for the same offence"? a friend told me something like that...

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I committed two murders in one day, can I only be done for one.....

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I clearly did not see the sign. Or I am dumb. But with only 1 penalty in 40 years I could stand a chance to explain it? I drive my car almost every day in London.

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I think that may be your friend was referring to a Parking event where the vehicle did not move. Depending upon any timeplate only one windscreen PCN can be applied in a 24 hour period.

 

Yours is a totally different scenario.

 

Before giving up hope, Street view or photographs of the location and signs, posted here, would allow those who are experts in these matters to see if there are grounds for appeal. At the very least on the first one you could ask for mitigation as you were providing an emergency service to your friend. The council do not have to allow it, but a well worded appeal could bear dividends..

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My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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Thank you Gick and BankFodder. I am afraid I will have to pay 130£ then. Have a good day.

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I clearly did not see the sign. Or I am dumb. But with only 1 penalty in 40 years I could stand a chance to explain it? I drive my car almost every day in London.

 

 

Then as a driver your not paying enough attention to the road.

You may of onlyhad one penalty in 40 years.

Id say you have only been caught once in 40 years

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I dont need anger management, I need to be kept away from idiots!!!

 

Joking aside, sorry t was a bit harsh..

 

The only defense you really have is if the signage is not compliant.

Or you had someone 2 seconds from deaths door and your rushing them to A AND E.

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Apologies accepted. Every thing is compliant unfortunately. She is my neighbour and was having a very heavy haemorrhage due to feminine problems. I was driving her to A&E as quick as I could. I did not find my way into the A&E parking at first attempt so had to go round the block again. I did not know/see that it was prohibited. When she then was released I drove back from the same "position" hence made the same mistake. As I said it is completely my fault. I just hoped I could explain it or find a legal way out of the second one. Anyway, I'll pay it. Hopefully I won't re-offend soon.

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