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    • @fkofilee thanks that’s definitely what I intend to do 😁. I Would just like to know if there is any course of action to stop them from spamming me with letters/emails in the future?   @dx100uk I know you are just trying to help however I think you have misunderstood. I have only dealt with them via post. They replied to me via email which I assume they have from when I signed up for the gym originally, which is why I stated I had yet to receive any further postal communication. I hope that clears up any confusion.
    • Hello i was hoping someone might be able to give me some advice please. It’s a bit complicated, but I’ve ended up with a claim form and I’m terrified.  I moved house two years ago. At my old address I was with npower. I lived there for 3 years. We had some financial issues and we were in arrears with npower, but we also were making some payments to them, as agreed with them. When we moved, I had health issues (problematic pregnancy)  and was in hospital a bit and I don’t straight away try to resolve the npower issues. I heard no more from them u til just over a year ago when I got a letter from William chapman solicitors, it was demanding over £4000 from us for npower. They said they’d sent me an incoming and outgoing letter which I hadn’t received, so they emailed me a copy, I sent it back to them and heard no more from them and didn’t chase them. I then received a letter before action a few weeks ago and I now have a claim form from them, dated 14th May. I don’t dispute that I owe npower some money, but I have no idea how the bill can possibly be as high as they’re saying. Even if I hadn’t paid at all for three years that would still be a high bill, but we did pay, even though I know there were arrears. I don’t know how to proceed at all. I can’t afford to pay them over £5000 which they now have the bill at, and I also can’t afford to get a ccj. I’d like to come up with a payment plan but they didn’t respond last time I sent them one. I’d really appreciate any advice please!  
    • what part of never use email did you not understand?
    • If they have refused it - Then you ignore them at this point. Nothing they can do 
    • Try this - https://www.resolver.co.uk/companies/british-airways-complaints
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
Brian Fantana

G24 Parking charge notice at B&M Stores, Falkirk

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I have received a PCN for an alleged offence at the same location,

https://www.consumeractiongroup.co.uk/forum/showthread.php?487668-G24-Parking-charge-while-shopping-B-amp-M-Stores-Falkirk&p=5170354#post5170354

dating the parking offence as 30th November.

 

It alleges the driver overstayed the permitted 2hours by 11 mins

 

I now live in England but as the alleged offence happened in Scotland am I correct that Scottish Law applies, so pursuing the keeper is illegal?

Edited by dx100uk
posts moved

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I have received a PCN for an alleged offence at the above location, dating the parking offence as 30th November. It alleges the driver overstayed the permitted 2 hours parking by 11 mins

I ignored the original letter and have just received a "Final Notice" and am a bit worried. I have looked through this and other online help and the advice seems to be to ignore.

 

I now live in England but as the alleged offence happened in Scotland am I correct that Scottish Law applies, making pursuing the keeper illegal?

 

Any advice greatly appreciated.

Edited by honeybee13
Paras

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it doesnt matter where you live, you could live on the moon and Scottish law would still apply becsue the event was in Scotland.

 

Pursuing the keeper isnt illegal, there is no criminality involved so what is important is there is no keeper liability and therefore as they have used ANPR rather than a ticket slapped on the car to bring it to the attention of the DRIVER, they have told lies to the DVLA to access your persdoanl details and that gives you grounds to sue them for damages.

 

Final notice? does that mean they are now going to do the right thing and go away? I hope so but as the parking co's are liars and cheats I dont hold my breath. I sispect they will waste some money on employing a rentathreat company like DR+ to wite some scary letters with an increased bill for £160 that can also be ignored for a myriad of reasons.

 

If you do get a proper letter before action or letter before claim then come back here for advice on how to robustly respond but you can safely ignore letters that only hint at hell and damnation (read them carefully and they dont say they will do anything, just they will consider or recommend or might) regardless who they are from.

 

Lastly never ignore an actual court claim, contrary to soem of the scribble on some other sites the sending of fake ones is very rare and ones issued from Northampton CC dont have a rubber stamp on them and are still valid.

Edited by honeybee13
Paras

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