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    • So I'm the one that's paying the mortgage for my kids to have a home so I have to let them no what goes in and comes out and pay them payments with my card so he just authorized me to talk to them when he ohones as they always have to as me questions and what not
    • Because I pay all the household Bill's my partner as always had to authorise them to speak to me on his behalf as I'm the only earner in the house 
    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
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    • 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
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Dave962

VCS/BW PCN - Letter Before Claim

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Thanks Ericsbrother for your replies.

 

Just to keep you updated I've now had a txt message to remind me if I'd like to pay BW off.

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haha they are funny

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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block them and report as spammers to your service provider

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Hi everyone

 

Just by way of an update, the latest love letter off BW, costs have now risen again...

 

Principle Dept, and initial legal costs £154.00

Est. Interest £5.06

Est Court Fees £25.00

Est Solicitor Costs £50.00

Est Total £234.06

 

I've got till 27t July to avoid proceedings being commenced.

 

The tossers have also tried calling me again.

 

Any advice you can offer will as always be appreciated.

 

Thanks

Dave

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so they want you to pay their estimated costs before they actually incur them.

 

 

As you know, BW can say what they want but they are only paid to send out letters so if someone doesnt pay them more money they will just shut up.

 

If you want to respond a repeat of the

 

 

"A lack of contractual obligation makes your demands spurious, please refer back to your client and desist this harassment" will do.

 

 

They know the truth but want some free money.

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and it doesn't say will anything.

read the letter properly!

 

 

proceeding don't mean legal proceedings..

just more scary letters.....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks as always for your replies.

 

I will now send out a brief letter to BW, with the quote mentioned above.

 

Cheers

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good, dont add anything else or they will think that you are awaverer and try and ramp up the pressure.

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Hi

 

VCS have just sent out a Letter Before Claim to me, 3 years after their last correspondence!

 

June 16 was the last time I was on this message board and I received some great advice, and I thought that was going to be the end of it. I am unable to respond to my original thread now as it is so dated, so will anyone else still be able to view it?

 

If somebody could please offer some advice on how to respond it would be much appreciated, and if you require further details of course I will provide them.

 

Many thanks

Dave

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By clicking on your user name it uncovers your posts in 2016. I am sure that ericsbrother will read them and re-familiarise himself with the thread and give you advice.


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 star. Thank you

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Thanks Gick that’s a great start 🤞 Ericsbrother gets back or DX seemed to be helpful also.

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simply send one of ericbrothers snotty/insulting letters back to them.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Go as per DX use what EB suggests as a guide, along the lines of you had no legitimate claim 3 years ago, i haven't and you, I and BW legal know this, and I haven't forgotten, sure EB will call in and suggest something suitable

 

If they do decide to be silly, the fact that you and they did that there was no basis for a claim 3 years ago, and you have just now reiterated this to them will not help them at all they could get a tolchocking by a Judge at a hearing.

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Thanks gents looking forward to seeing one of Ericsbrothers snotty replies and sending it on to them.

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not being funny dave

you've been here since 2016

 

more than enough time to realise cag is also a self help forum and we have a very good custom google search box on the left after clicking our top left logo in the top red banner for you to research your issue.

 

you need to understand WHY such a letter is sent, not get it on a plate without the background as to why its worded in such a manner.

this will further your case cause oneday you could be in a courtroom with a judge being cross examined by the claimants solicitor, flipping ones lips and making silly noises wont cut it.

 

dx

 

 

  • Haha 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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How about tis-

Dear sirs, I am surprised that Simple Simon is wasting his money hiring the parking world's second worst solicitors to chase up a claim that both you and he knows is spurious.. Should you between you decide to take civil action I shall ask for a full costs recovery order as the claim is vex. I am also minded to sue VCS under Vidal Hall and others v Google  and VCS v Phillip Liverpool CC Dec 2016 as they have no justification for obtaining and processing my personal data.

 

That should hopefully have the desired effect, VCS havent used either Gladdys or BWL for a while preferring to lose defended claims off their own bat recently.

 

Now you need to prepare for court just in case they do carry on so start gathering evidence now

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Thanks Ericsbrother, looks good to me. I’ll send such a letter back to them and they can take it from there.

 

Thanks DX for replying again also. I’ll look into the background of these things further like you say. However not sure where that last part of your message come from, it was you that made the original silly remark wasn’t it? Or have I missed something there??

 

Cheers

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there is a serious point you need to understand though,

we can advise but we cant stand next to you if they do want to try their luck and sue so you need to know what it is all about rather than relying on what others tell you.

 

this means reading up a lot about private parking and the law surrounding the issues people face and also learning about how the companies behave.

 

they have sent you a threatogram because they think after this time you have binned all of your paperwork.

 

Now the good news is that it would be a very rare occasion that they would actually show their faces in court just to receive an earwigging from a judge about abuses of procedure when they are just slapping in claims as a method of coercing you into paying when they know that there is no real cause for action, like in your case>

 

however, as the law stands they can do this as often as they want as long as they dont keep suing the same person and invite a charge of vexatious litigation.

 

you will find examples where people like Alex Shipp have tried their damndest to bait the parking co's to take them to court but all that happens is they then start to do a bit of quality control and whitelist certain people's car reg or address.

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Thanks Ericsbrother.

 

I’m just amazed that 3 years down the road these people are still at it.

 

Is this a new tactic or an old chestnut? 

Thankfully Ive still got a record of all my previous correspondence with them.

 

It seems a lot to take in looking at historical cases and not all of it is easy to find.

Obviously I have my old records to back me up should it go any further, but if it did end up in court would I require the services of a solicitor or do I fight off my own back.

Apologies for my ignorance.

 

in the meantime I’ll fire off that letter back to VCS and if I do hear any more I’ll let you know.

 

Thanks again for your help though I really appreciate it and it’s amazing you and DX etc offer your support.

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no its not a new tactic

its designed that way from the get go.

mostly hoping people have moved etc etc

then they go for a backdoor CCJ that you'll know nowt about till it blocks something requiring a clean credit record or the court send bailiffs around.

 

which is why it SO important to know the score


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks DX.

 

Letter sent now. Ive also had a look at the cases EB mentioned earlier, which is all very interesting reading like you said. It’s reassuring to know cases have been won against them, and its amazing what lengths they seem to go to, to try and reel you in.

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you wont need a solicitor, you would struggle to find one that knows about parking law as a specific topic so you are better off learning for yourself.

 

Now my thoughts are on whether they want to pay BWL to lose for them or cut their losses.

 

Look up champerty and maintenance as we believe that the practices of Gladstones and BWL in offering a type of no win no fee arrangement may well risk crossing that line if for example this letter was sent out without the express instruction of VCS

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