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    • @BearLake1   I have a similar PCN from the same place. I've just received 'Letter Before Claim' today. I wonder if you are able to share your reply to CVS? Did you send your reply by email or mail?   Thanks!
    • Will this work?   I disupte this debt because, Firstly i only ever used my phone via wifi, there was never a notification regarding usage and data. The rules regarding roaming usage has changed,  the default was illegal and was disputed. This matter is between O2 and myself.   The debt purchaser has yet to provide any or all of the required documentation.
    • Hi all   Wow, do I have a situation to contend with now! I shall include as many important facts as needed.   I have received a solicitors letter today, by instruction of MY PARENTS claiming they are beneficially entitled to a property I purchased in 1999.   This property belonged to my Grandad who sadly passed away in 1993. He had hand written a will, not witnessed by anyone, leaving the property to my Mother and not his Son. Of course my Mothers Brother wasn’t happy with this and contested it which ended up in court. This dragged on for a long time, it could have been years? Until it was decided the house be sold and money divided equally. From memory I think the legal feels were around £30k ish.   At this time my parents didn’t have jobs and I was able to obtain a mortgage in 1999 and after going on the market purchased the house for £50k as it needed a lot of work. At the time I was very close to my parents and it felt a good thing to keep the house in the family circle as such (like cars sometimes) but was obviously in my name as the owner. I paid the mortgage and utilities on it and it sat empty for ten years whilst deciding what to do, more my Mother not wanting anyone to touch it and change memories.   The council kept writing to me until eventually said it would be a forced sale if nothing done with it. I then obtained additional borrowing to fund the complete renovation and then rented it out with the idea if it reducing the mortgage. Around the same time and during the crash I manged to buy another house needing work, by using equity on first as a deposit and a mortgage on the new house.   My parents would always refer to the 1999 as my house although this felt awkward. A few years along the way (2010/1/2) my Dad purchased their council house at a reduced rate.   I moved out of my parents home in 2014 and into the second house once it was all modernised, which since the relationship with parents has just deteriorated a lot. Arguing about lots and them saying I need to ‘sign the house back over to them’ on more than one occasion.   To fast forward, the tenants moved out of the property recently and my parents found because as creepy as it sounds, I think they used to drive by or watch them. The signing back over has been demanded recently to which I said was ridiculous etc…   Today I get this letter with 29 paragraphs and crux of which being to transfer to property, with vacant possession and mortgage free, to them and in addition any surplus rent from the previous ten years!   The letter is full of lies my parents have told the solicitor such as:   I lived with them rent free in lieu of paying the mortgage They paid all the utility bills and council tax They paid for and carried out most of the work back on the house in between purchase and 2008 when renovated My Father dealt with the letting agents recently and I ‘merely’ signed the tenancy agreement   There was a time, as my parents have always been high maintenance, I had written something for my Mum to say although I own the house, morally it belongs to her as probably thought it would help the relationship. A copy of this has been included, although I think looks slightly different to what I had printed and also says…about asking their permission to sell it and they could move in if they ever wanted, I really do not recall saying that! This piece of paper I refer to has no date or signature.   My goodness, this has completely knocked me for six. Its like history repeating itself!   I have checked with Eon, Council tax etc… so far and all have been in my name and paid for by me.   The letter also says ‘the facts of this case are familiar to you and you ought not to require any further enquiry’ which almost is like the solicitor knows this is all hearsay/BS and no proof? Also that I should respond to the claim within 28 days. The letter was also not recorded in case it makes a difference.   Another paragraph says advises my parents 'have a strong claim that I am holding the property on trust for them absolutely by way of constrictive trust and/or proprietary estoppel' I have no idea what this means!   One thing I should point out, I used to be very much in my parents bubble, asking them for advice, wanting their approval, very much lacking confidence in awareness of my own abilities. It is since I have started thinking for myself they don't have the hold on me their behavior  have become worse.   What are your thoughts please? I really have no idea what to think!   Many thanks in advance as always   E!
    • So I got a phone call on Saturday on my private mobile phone. This call was from Moriarty law ...I had sent my PAP docs back with no e mail address or phone number ...they said they had used a tracing company to find my details ....I have since called them and put in a complaint that they have breached GDPR regs ..they have now suspended any action pending a full investigation. The agent who called me was not very bright to say the least ..he wanted me to make an offer of payment even though as I told him it was only an allegation that I owed the money as ADCB had not sent the original paperwork back..... he then told me that they could take me to court even if I had not got a copy of my signed credit agreement ....I basically told him to jog on ...I'll let you all know the outcome of Moriartys GDPR breach investigation .
    • or should I sent a copy of Ericsbrother's template  ?    Please help!     Unfortunately for you, I was not born yesterday so I will not be paying the demand as there is no liability in this matter because the signage is prohibitive and not an offer of a contract so none has been breached and anyway the POFA limits any charge to the specified sum so your demand for £160.00 is nonsense. As VCS (Vehicle Control Services Ltd) has been spanked at court on this very same thing several times before I suggest that you discontinue this foolishness. Should VCS decide to continue then I shall be asking for a full costs recovery order for unreasonable behaviour and then seek damages for the breach of the DPA/ GDPR as per VCS V Philip, Liverpool CC Dec 2016. Even Will and John, the parking world’s worst solicitors seem to have got fed up with Simple Simon’s stupidity and greed and presumably that it why you are wasting your ink on his behalf.
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richardc

Lloyds TSB Card Services Claim

style="text-align:center;"> Please note that this topic has not had any new posts for the last 5003 days.

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Have today requested DPA information. Used revised proforma in Library.

Will keep you up to date. :evil:


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Have today requested DPA information. Used revised proforma in Library.

Will keep you up to date. :evil:


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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I requested my credit card statements under DPA on 15 Feb and apart from a letter of acknowledgement I've yet to receive anything.

 

I've this morning followed it up with a reminder. Let us know how you get on.

 

Lotta

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I started off just by asking for statements which came in about 2 weeks.

 

Then, following that fatuous interview when the banks claimed that the high cost was due manual intervention, I submitted further application to David Just for records of manual intervention. I received a couple of days later a form(together with request for £10) from their Data Protection Request Team in Andover. I filled in the parts I wanted to and sent back on 2 Mar.

 

Incidentally, you can request copies of any telephone calls if you know who and when you spoke.


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Personally I like to keep things like this in writing rather than phone calls but that's useful to know. Thanks.

 

Lotta

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I agree, but reading through other fora some people have managed to get admissions regarding penalties etc, so it they can retrieve........


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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It'd be great if anyone did have such a conversation with Lloyds and could get a recording to B.A.G as a soundfile.

 

Lotta

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Or any bank. If you have a note of the date, time and person to whom you were talking, request under DPA - it'll cost £10 but would be invaluable.


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Received copy of data today. No records of manual intervention.

What a surprise!


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Did they actually confirm that there were no manual interventions as you asked them to in your letter? or were there just none listed? If there were none listed and you have had some DD's (or other transactions) refused doesn't this prove that what Ian Mullen said about 2 people having to manually intervene in transactions was untrue? Could you use this as a defence in court along with the transcript of his interview?


Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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NO they did not say there were none. There just weren't any shown? That is surprising because when I was seriously ill a couple of years ago I did persuade to stop the interest for a few months - no record of that!


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Hmm seems to me that SOMEHOW (and I haven't got an answer to how!) we have to get them to confirm that there were no manual interventions. Maybe a follow-up letter to a DPA response could say ..."thank you very much....however you have not confirmed, as requested in my letter that there were no manual interventions. In the absence of any being listed (and the requirement of the DPA that any manual intervention should be??) I will proceed on the basis that you agree that there have been none, should I not hear to the contrary from you within 7 days......

 

Thoughts anyone?


Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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The go back and complain that you consider that the file is incomplete. Tll them that the clock is still ticking and that a complaint will be made if they do not comply.


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Letter already produced and am about to post it!


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Hi Richard, could you post a sopy of your letter hear too please (personal bits removed) so that we may all make use of it.


regards,

 

InterSimi

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Sorry no scanner at the moment, but letter merely says"Further to my previous correspondence, please find enclosed copies of your Credit Card staements as requested."


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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What about the letter you just sent to them?


regards,

 

InterSimi

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Your Refxxxxxxxxx

 

Thank you for your letter of 10 Mar o6 together with the enclosed Credit Card Statements.

 

However, I my letter of 23 Feb 06 I additionally asked for for disclosure of details of manual intervention or if there none to confirm that this was the case.

 

As there were no such details unless I hear from you within 7 days I will assume that there were none.

 

Yours sincerely,

 

For BF: LET THEM HANG THEMSELVES ON THIS!


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Nice one Richard thanks. Your wording is a little off by the way, I hope you rushed the post on the not the letter.

 

Your Refxxxxxxxxx

 

Thank you for your letter of 10 Mar o6 together with the enclosed Credit Card Statements.

 

However, I my letter of 23 Feb 06 I additionally asked for for disclosure of details of manual intervention or if there none to confirm that this was the case.

 

As there were no such details unless I hear from you within 7 days I will assume that there were none.

 

Yours sincerely,

 

I personally would have worded it like this:

 

Your Refxxxxxxxxx

 

Thank you for your letter dated 10 Mar 06 together with the enclosed Credit Card Statements.

 

However, in my letter dated 23 Feb 06, I additionally asked for for disclosure of details of manual intervention or in the case that no manual intervention was taken to indicate this in your reply .

 

Your reply did not indicate that any manual intervention had taken place, so I can conclude from your reply, that an automated process was used. If this is not the case, please reply within 7 days to correct your last reply.

 

Yours sincerely,


regards,

 

InterSimi

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Rushed the post but,

 

quod scripsi, scripsi


The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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This topic was closed on 03/05/19.

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The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5003 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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