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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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VCS Windscreeen PCN Letter before claim no permit - S13 9DP, Sheffield (On PCN letter is Innovation, Sheffield, S13 9DR)


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You said in your first post that you had 8 letters from VCS including the last one which was a Letter before Claim. . Could you please post it up so that we can see where

we can advise you. Though I am bound to say that EB's letter might well stop them in their tracks and they won't carry out their intentions as they know they will lose in Court.

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had to hid that

page 10 has a ref number

and on other pages you need to remove the address barcodes

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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Thank you for posting up the NTK-I notice they do not mention POFA which is good for you as keeper as long as you do not divulge who the driver was.

 

You did say though on your first post that the last letter you had received from VCS [letter 8] was a Letter before Claim and that was the one I hoped you would post up.

To give you the best help we can that Notice is the one we need to see and soon please.

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Thanks for your comment.

If I do understand your message correctly you did not find in this attachment "Letter Before Claim" ?

 

In PDF file page number 10 is "Letter Before Claim

 

If there is any problem with viewing this letter(especially page 10 and below) please let me know.

If you mean something else could you please specify?

LBC.pdf

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That's what I wanted-thank you.

Have you acknowledged it on the MCOL website?

 

If you haven't sent off a CPR 31.14 to their solicitors please do it now-

https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim)

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the letter you propose is only applicable IF they have issued a court claim so having siad you ahve a letter before claim have they actually issued a court claim on a proper N1 court form?

 

If not then your letter is not applicable and not helpful.

What exactly have you received in the way of paperwork from the day your vehicle was parked. Pleas give them in date order.

Also DO NOT PHONE THEM EVER. #Once we know exactly where you are as far as a possible claim goes we can help you write what you need to write and send it to the appropriate place.

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the letter you propose is only applicable IF they have issued a court claim so having siad you ahve a letter before claim have they actually issued a court claim on a proper N1 court form?

 

If not then your letter is not applicable and not helpful.

What exactly have you received in the way of paperwork from the day your vehicle was parked. Pleas give them in date order.

Also DO NOT PHONE THEM EVER. #Once we know exactly where you are as far as a possible claim goes we can help you write what you need to write and send it to the appropriate place.

 

Ok, I understand your point. Thanks for explanation.

 

At the moment I am on stage where I received "Letter Before Claim". All letters are attached in PDF file there is 14 pages they are in date order (name of PDF file is "new8in1")

Post number #29. I will poste this letter again just in case.

So again last letter which I received was 23/08/2018.

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the letter you propose is only applicable IF they have issued a court claim so having siad you ahve a letter before claim have they actually issued a court claim on a proper N1 court form?

 

If not then your letter is not applicable and not helpful.

What exactly have you received in the way of paperwork from the day your vehicle was parked. Pleas give them in date order.

Also DO NOT PHONE THEM EVER. #Once we know exactly where you are as far as a possible claim goes we can help you write what you need to write and send it to the appropriate place.

 

Here is all letters which I have received from the beginning in date order (Letter Before Claim is on page 9).

If there is a problems with viewing this PDF file please let me know.

new8in1.pdf

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Have you actually received a claim ?

 

Cant use CPR requests without a claim being served...cant use CPR 18 on it anyway as it will be small claims track.

 

Andy

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well, their letter before claim uses annexes that apply to people who have a credit agreement, not for this matter so you can ignore them

.

I would send a simple letter stating that no monies are owed because there has been no breach of contract by the driver and that the sigange is prohibitive in nature so a contract has not been offered and the demand is thus an unlawful penalty. As such this will be vigourously defended if VCS are intent on wasting a court's time over this when they should know by now they are wrong.

 

they may still decide to sue you because they are greedy and stupid but play a numbers game. they also drop the matter just before court as they know they are wrong and hope to avoid a costs order. 85% of people pay up so it is worth their while trying it on.

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  • 1 month later...

Hello guys,

Just would like to update my case. Maybe will be useful for someone.

Now it past more then a month since I send letter to the VCS and they did not respond to it.

I know that they still may take me to the court, if it will happen I will update it.

 

I would like to say thank to all of you guys for your support in this case it was very helpful! Thanks very much!

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We've just received a donation from you - thank you very much.

 

However, don't think that it is all over yet. I don't want to be too pessimistic - but these things can sometimes fire up again just when you think that it has all gone away.

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