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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Garu vs Nationwide


Garu
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Just a quick first post (hello)...

 

Not started proceedings yet, just researching before I launch the assault.

 

In the past six years, Nationwide have taken at least £4324 from me in charges. However, I am six statements missing, does anyone think it's worth going the DPA route for these, or should I just estimate to £4999 (to keep within small claims) and let them worry about downsizing it?

 

(estimating figures based on months close to missing statements (they are scattered) it's quite believable it will be just over 5k, but I assume it's better to get 97% of something than 100% of nothing.)

 

My (current) thinking is that I will be going for their contractual unauthorised overdraft rate of 1.87% per month, and compounded.

 

I also have statements \ charges beyond 6years, but I think I'll go for the "easy" under 5k \ under 6yrs claim first.

 

Thanks for reading,

 

G.

G.

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Hi Garu!

I would send a S.A.R. for ALL your charges and associated interest, since the start of your account with the Nationwide.

The longest it should delay U would be 40days...but it has taken others a lot less time to get their statements.

U will be able to claim back your £10 when U submit you claim.

It's up to U if U want to split your claim e.g 6yrs + more than 6yrs.

Some others have and won...some haven't and also won.

Likewise, some have claimed for more than £5000 and won via the Fast Track and others have played safe and Underclaimed, so as to keep the re-claimed figure within the Small Claims threshold and have played safe.

I agree with U that the Compounded Contractual Unauthorised O/D % Interest Rate (24.9% APR) is the correct one to Charge Nationwide for UNLAWFULLY Borrowing your money.

...However, Banks compound their interest Daily...NOT monthly!

Just put the 24.9% APR and your personal details into the following spreadsheet (courtesy of Mindzai) and it's all done for U.

http://www.consumeractiongroup.co.uk/forum/general/51736-excel-contractual-interest-spreadsheet.html

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Mini update, went to create a parachute account today, failed credit scoring for premier account with a.n.other bank - makes little sense as borrowed nearly 10k in March to purchase a car with no problems, of which half is paid (no lates etc) and several thousand to deposit with new bank.

 

Head office offered lower account, I guess I need somewhere to put my money when nationwide close this one so will probably accept. Alternatively, girl in local branch was surprised by refusal and says she wants to appeal to underwriter, so all may change yet.

G.

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Hi Garu!

 

Try looking at your Credit Report via the Experian free 30 day trial (U can cancel within 30 days) web page...It may reveal hidden credit problems?!

 

A+L (...I assume it's them U applied to?) may think that U are too over-exposed with your current borrowing levels to be able to offer U their top % interest paying account (...wih low % level O/D). Being the best value current account, they may just be being picky?!

U could always re-apply for their top account after a few months of banking with them with the account they've offered U?

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Hi MTM... (need to spread around the rep before I can give you more, I did try!)

 

Yes, I think I will do just that, take the lower one and then try and move up in 3-6months. Ulitmately a) I want my money from nationwide and b) I will need somewhere to put it \ my salary, so a few less perks \ interest rate isn't the end of the world.

 

Or, I can stay with all the perks of Nationwide, and they can keep my £5k.... I think not :D

 

(I do need to get my credit report sorted)

 

Thanks again.

G.

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Credit report checked, no nasty surprises.

 

We have one default, £85 of all things in May 2001, but marked as satisfied so nothing more we can do about that. I guess we will see an upturn in June 2007 when that drops off our credit history and we have no defaults etc.

G.

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Hi again Garu!

 

Credit report checked, no nasty surprises.

 

We have one default, £85 of all things in May 2001, but marked as satisfied so nothing more we can do about that. I guess we will see an upturn in June 2007 when that drops off our credit history and we have no defaults etc.

 

Just playing Devil's Advocate...

But what about the circumstances of the imposition of that DEFAULT?

There has been one or two CAG Members who have threads that detail their progress about having had their defaults removed earlier than 6yrs!!!

Up to U if U want to wait until June...

(...or could be even longer dependant on when the particular account gets updated!!!)

...Or U may just want to get your life back before then???...lol...:);)

 

Hope this gives U further food for thought?!

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Hmm.. I like your thinking!

 

It wasn't Nationwide that placed the default but a CC company, how would you get a third party to accept it "wasn't your fault" and remove it?

 

I'll do a search! Thanks again!

G.

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Okay, done a search, seems there are ways of requesting a bank to remove a default if they applied it as a result of charges.

 

Also, seems there are ways of removing a default in isolation, but they are unrelated to charges that may have caused this.

 

I'm going to put that "on the back burner" and concentrate on the bank claim.

 

I am going to send my prelim letter, I note that you should not claim for 8% until court, but as I am going for contractual compound do I mention this in my first letter, or wait till court?

G.

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If the default is in relation to the bank charges then it would be a good idea to conquer the two at the same time.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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If the default is in relation to the bank charges then it would be a good idea to conquer the two at the same time.

 

I agree, if it was the bank that applied it, but I cannot see GE capital agreeing to remove it on my stating "it's all nationwide's fault".

 

It expires in May anyway.

G.

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Happy New Year Garu!

Contractual Interest has to be claimed in the Preliminary letter and U have to mention it at each letter stage, so that the Bank has a chance to pay it or dispute it.

Just enclose an updated version of your spreadsheet with every letter to let them know where your figures are coming from.

Hope this helps?!

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Created my own spreadsheet so that, should it come to court, I have no problems explaining the charges interest.

 

Have created a letter based on templates here and on the money programme site, so I fully understand what I am asking of them.

 

It is also an LBA, in my opinion there is little point giving them 14days, then another 14days, when both first letters are asking the same, and we know will get the same response. They have 14days to pay back *my* money or I will file in court, and quite prepared to step into the courtroom if they wish.

 

Sent off this morning.

 

(I decided against sending off a S.A.R - (Subject Access Request) as I only have a couple of statements missing and 40days will "cost" me a month or two's worth of charges back at the beginning of my claim.)

G.

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Created my own spreadsheet so that, should it come to court, I have no problems explaining the charges interest.

 

Have created a letter based on templates here and on the money programme, so I fully understand what I am asking of them.

 

It is also an LBA, in my opinion there is little point giving them 14days, then another 14days, when both first letters are asking the same, and we know will get the same response. They have 14days to pay back *my* money or I will file in court, and quite prepared to step into the courtroom if they wish.

 

Sent off this morning.

 

(I decided against sending off a S.A.R - (Subject Access Request) as I only have a couple of statements missing and 40days will "cost" me a month or two's worth of charges back at the beginning of my claim.)

I would be interested to see how you get on with only sending one LBA.

 

Not heard that one before !!

 

Just to confirm, have you just sent your LBA or your Court Action ?

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Not filed court yet, giving them opportunity to pay me back my charges and avoid court costs.

 

Whether or not they have the sense to do that is another matter.

G.

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Hi Garu!

 

Have U read some other CAG member's threads that have had their Claims severely delayed during the Court stage, cos Banks have managed to claim that they were NOT given enough time to prepare their Defence etc?

 

Methinks that trying to shortcut the well documented process may actually backfire on U!!!

 

Hopefully I'm wrong?!

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They will have plenty \ the usual amount of time to prepare their defence, I feel 14days is plenty enough time to make a decision whether or not to pay me back.

 

We both know what their decision will be.

G.

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