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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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vick* V Littlewoods & Kays catalogues


vick*
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Both accounts closed, but both incurred lots of charges.

 

Just found out that Kays is actually Littlewoods too, which made me more cross :-x

 

Anyhow, SAR sent off recorded delivery today.

 

Also sent to Halifax Visa, Capital One, and First Direct.

 

They've had enough off me over the years, time for a pay back I reckon :cool:

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Hi - good luck. I claimed back all of my charges from Halifax - have a read of my thread and see how I got on. They were actually very good (apart from taking the charges from me in the first place!!!) I'm also about to tackle littlewoods for a friend of mine and Capital One for myself, so will watch your threads with interest. Best wishes - power to the people!!

 

jaxads

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Yeah, I've got started now I'm just impatiently waiting for my statements to arrive.

 

Great source of information and support this forum though, now I'm learning to find my way around it!!

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Hi Vick*

 

I'm going to be watching you, too, as I'm also going to be going after Littlewoods, (Index FlexAccount), on behalf of my dear wife. ;)

 

So, good luck from me, too.

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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  • 2 weeks later...

had a letter back from Littlewoods (20.2.07) saying that they were doing the data retrieval and would have the documents to me asap....

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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My statements came today (24.207)00, surprisingly quickly.

 

They're not the easiest to work through but there is a summary attached which details about £170 of admin charges. But I'm sure I was charged for other thing too so I'll have to trawl through the statements.

 

I'm guessing I could try to claim contractual interest on this amount, at the rate that the catalogue would've charged me.

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Vick,

 

Can you confirm what address you sent your SAR to, please?

 

Thanks.

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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Hi OB,

 

I'm not at home at the minute so can't check but the address 'Staley Avenue' seems to come to mind... does that make any sense?!

 

I will check for defo either tonight or tomorrow.

 

BTW, although I've had the letter and statements from Littlewoods I've heard sweet b*gger all from their other arm Kays :(

time for me to get back what is rightfully mine

 

:)

 

The hitlist:

 

Capital One: S.A.R sent (6.2.7)

Littlewoods Catalogue: SAR sent (6.2.7); letter arrives 20.2.7

Kays Catalogue: SAR sent (6.2.7)

Halifax Credit Card: S.A.R sent (6.2.7)

First Direct: S.A.R sent (6.2.7); statements arrive (19.2.7)

My partner's RBS account

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Thanks Vick,

 

I got the address from their website and my wife's statement. SAR is typed and ready to go.

 

OB

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

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sorry to jump in on the thread

i sent a default removal letter on the 13th feb to this address

 

Littlewoods Shop Direct Home Shopping Limited. 1st Floor, Skyways House, Speke Road, Speke, Liverpool,

L70 1AB

 

was that the one you used as i've heard nothing and need to chase them up.

the 28days have gone and im wondering if they have now defaulted & the enties on my credit record must be removed

 

dx100uk:)

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hello and good luck

I am also going for Littlewoods and Kays I have sent a SAR and waiting also put in complaint about insurance, I think I have been done there as well. I have just read about sending for CCA agreement, if they can't send one the debt did not happen and it gets written off!!! Hope that is true. All very exciting and giving us a fighting chance. This site is fab.

I have sent one letter for both accounts and I think that is now causing confusion did you do the same?

Won NatWest. Bank charges returned £2,500 November 2006

 

S.A.R - (Subject Access Request) Littlewoods April 2007

Ombudsman complaint July 2007

Littlewoods admit no CCA agreement

Refuse to refund PPI

Letter to TS August 2007

 

SAR Lloyds August 2007

CCa lloyds August 12th

SAR and CCa Halifax 12th Aug

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if a CCA request is not met after 12[+2for posting] working days, any payments can stop until they provide the requested docs to your satisfaction.

then after a further calander month, it becomes a criminal offence for them to try to enforce the debt or its payment. however, if they do produce within this further month. then payments should resume [thats the way i read it no court order required ].

 

they could also then write the debt off, if they do, then it should be in writing to you, it does automatically mean it has gone forever if they do not.

 

they could always re-enforce the debt, but only through a court order & they will look pretty stupid if they turn up at court and say 'ah yes we found it [the agreement].

so read of that situation what you like.

 

never did get anything BTW but i was after default removal

 

given up, lifes compass is pointing elsewhere at present.

dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Why don't you write and ask them why they are now willing to write off the debt, if they admit that they cannot find your original agreement then you can then ask for you £90 back as well.

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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  • 2 weeks later...

Thank you for your email about complete list of transactions and charges

relating to your financial history with Kays.

 

Unfortunately we only have access to your last 6 month statements which

you can see on our website Kays - online shopping

 

Sorry for any inconvenience caused.

 

Regards

Sue Clayton

Customer Support

Kays

Kays - online shopping

 

To contact us by e-mail simply click here Kays - online shopping and click into

contact us or call 0870 151 0541.

 

Our Customer Charter is our pledge to you the customer. It contains our

promise for safe, honest and happy shopping. To view our Customer Charter

please click on the help section of our website. what is that all about??!

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