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    • This is the entrance until recently.   Is this place near you?  Would it be easy to go back and take photos of the signs as they are now, especially at the entrance? Arndale entrance.pdf
    • well 10/10 for opening a parachute account and stopping LLoyds dipping into your meagre income.   who are moorcrofts stated client please on their letters?   as for cabot, send them a CCA request when did you take this card out please?    
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    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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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.
       
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      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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Big Claim aginst RBOS


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Thinking back now, RBS sent my first S.A.R - (Subject Access Request) back with check enclosed.

 

I think Mrs Robbinson has shot herself in the foot by claiming the date on your router account was the date the CMS archive system was introduced.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Here is the biggest laugh of all along with this witness statement they have submitted a bill of costs for attending a 2 hr hearing......wait for it..............£ 3,725.32 plus travel.............:p:rolleyes::D

 

 

E-BAH-GUM. I can't see the DJ awarding costs that are inflated just to intimidate the LIP. Cobbetts are a disgrace. The DJ in my recent application hearing allowed only half the costs submitted as he knew they were seriously taking the pi** and made the solicitor fully aware of the fact.

 

You can bet your life that the Barrister is brought up from London, and that he travels first class.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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By the way everyone did I tell you that they are sending a solicitor AND a Barrister to this Application hearing against me a litigant in person to an informal application hearing.

 

Who???? is a little bit worried do you think????

sparkie

 

I rather suspsect it isnt you that is worried :D

 

I sat up on my laptop last night and did some more maths home work, I hope it can be understood what I have now come up with..

 

The Bank have stated that this “router account” is in fact my personal account with a different “internal” number.

 

So if that is the case it should mirror exactly my personal account statements, would everyone agree on my reasoning??

 

You would think so, yes :)

 

Therefore there must be records somewhere of what this £171.57 shown as the “Book Debt” on this document, when it first became that debt and what it consists of?

Would everyone agree on that???

 

Absolutely.:)

There are no records or breakdown been given /shown.

Is it unreasonable that I should request these??

 

Not at all :)

 

Is it unreasonable to ask for an explanation as to why this sum of £171.57 is not shown on any of my personal account statements Numbered 40 to 49 which covers a period from Dec 2000 to September

2002.??

 

Perfectly reasonable request:)

 

Is it also unreasonable to request where the sum of £24.00 that is shown on the “router account” added to the Book Debt of £171.57 is shown on any of my personal account statements Numbered 40 to 49 which covers the period stated above??

 

Another perfectly reasonable request:)

 

Roll on Thursday :D

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Sparkie

 

Why is it so important about the date of the 'Router Account'? I know they lied and said that these didn't exist untill 1999 but why did they say this? What have they got to gain by saying this?.

 

By the way,the docs should be in hyou in box by now.

 

Thanks

 

D & D

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Hi,

a

Amillion thanks for the email stuff.

They are attempting to convince the court that this "router account" is my personal account and that router accounts were only introduced on 19th June 1999 and the book debt IS my personal account as at that date of £171.27 DR.........BUT my personal account was in credit on that date they say it was created, can you follow my gist...

I can prove that my router account is a falsley created account and from the dates shown on yours prove to the judge that they have made fraudulent false statements in 2 statements of truth by saying this system was only introduced in 1999....your account shows and proves they were in existence in 1996.

I don't think they can gain anything except put themselves in a very serious position.

 

I know looks complicated but it isn't really......

 

 

sparkie

 

You're going to need a witness statement from DandD to say that this is a router account, what date it was opened, and swearing the document shared with you is true and accurate.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

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Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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I'll throw mine into the mix. Looks like they've been up to their blue peter antics again.

 

 

rbsstatement.jpg

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Sparkie. The program's the same, but the bank claim the archive was set up on the date on your router, i beg to differ.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Oh, I would so like to be there on Thursday:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just made a very interesting discovery the OIDFL01R Program is an archive program for dead,... written off,.... paid up,.... transferred accounts etc

The TIDFL05R Program is a live running program for "debt management" and this is the reason I HAVE got TWO accounts as I have clamed all along

No 1 Account The written off Book Debt of £171.57 account OIDFL1R.....thats gone

No 2 Account, is being run by the other "live program" TIDFL05R both of these accounts are my personal account also closed but its still running, and thats why I ve got Two book debts for the same account

THEY are in the Sxxxt on Thursday.

 

sparkie

 

Interesting. You've been doing your homework i see.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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