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    • The "grief tech" firms helping users create talking avatars of their dead relatives.View the full article
    • 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!!
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO services and Cabot finance


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  • 3 weeks later...
will take more than a day to type it all in gem but i will get it done asap....

just got this in post today

just got the post now,

HFO say

I have been reveiwing your account history and i can confirm that because of your personal circumstances you qualify for a substantial discount on your outstanding balance,however ,this offer will only be available for 5 days so you need to call me as soon as possible. if you call me today,you can stop worrying about this debt.

if you fail to get in touch,HFO will have no optionbut to instruct solicitors to sue you in order to recover the debt Once the solicitors are involved i will no longer be in a position to help you .HFO will not write of your debt so there is no point in ignoring this situation

 

i,ll do everything i can to help you ,whatever the circumstances.Please give me a call

yours sincerely

jane parker

well miss nosey( oops) parker i do not owe you a penny do what you have to do...before you do please do not ignore my last correspondance with you 10/01/2008 many thanks

oh ps.please send the CONTRACT as required thank you

for your caring letter

patrickq1

To cut a long story short. They have nothing or else they would not be offering you a discount.

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my reply

,ll do everything i can to help you ,whatever the circumstances.Please give me a call

yours sincerely

jane parker

well miss nosey( oops) parker i do not owe you a penny do what you have to do...before you do please do not ignore my last correspondance with you 10/01/2008 many thanks

oh ps.please send the CONTRACT as required thank you

for your caring letter

 

I am in receipt of your letter, ref case no.xxxxxxxx

Many thanks for your response to my CCA REQUEST ,

It seems you have forgotten to include this in with your letter .I have also sent notification to MORGAN STANLEY GOLDFISH, about my concerns about your harassment by phone. we have also instructed MORGAN STANLEY/GOLDFISH to begin their prosecution, this would be most welcome, as for yourselves you may pass your data to, TURNBULL AND RUTHERFORD SOLICITORS upstairs , with the view to considering legal action,

I look forward to any actions you wish to persue in fact I welcome it

I shall not bother at this stage to repeat myself concerning the CCA NOTIFICATION sent by recorded delivery and received by your office ?but I shall pass your details and all recorded phone calls made by yourselves to the FOS who are awaiting the final

Compilation of information from me concerning your harassment and breach of the legal system and rules that you are supposed to be guided by, again I repeat please begin your actions as soon as you possibly can if you like I can forward a copy of this e mail to Turnbull and Rutherford for you just to save you some postage and not to mention the strain on your legs walking up the stairs to their office

Many thanks

exclude the top paragraph lol

patrickq1

ROFPMSL:D :D :D

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Unfortuneately your plan would not work Seahorse as the handsets of DCAs do not pick up any conversation unless the Magic words OK I'll pay are issued. The threatomatic is cleverly designed to edit out such words as UNENFORCEABLE, STATUTE BARRED, NO CCA NO PAY, and CAG not to mention the other well known words like Feck Off and Barstewards

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DCAs do not intimidate or harrass. They behave at all times in a professional an courteous manner. They never breach the rules whilst chasin you rogue debtors.

 

 

 

 

 

 

 

 

 

 

Ooooops there goes another flying pig.:D

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  • 2 weeks later...

Be VERY careful who you share information with. The DCAs are always on the lookout for information as to who is who on here. Beware the Men in Black. Not all are as obvious as Mr Senseless:o

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  • 3 weeks later...

Chewy

 

They are a long way off court yet despite what they may say. My advice would be to let your partner know. Come back here when you get the threat letter from HFO and we will advise you best how to respond

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CCJ is a long way off yet. They have many more hoops to go through before then. I know your bf works in the Court. Who better to help you wipe the floor with these people and their interpretation of the law.

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Ball 942 I suggest you start your own thread on this so as you can get the proper help you need. I would however think that your sister would be in a position to cause thei ''William Black'' untold harm. If the courts were asked to take the word of a serving police officer against that of a lowlife DCA operative its fairly obvious who they would be leave.

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  • 4 months later...

What 'Brian' is doing is unlawful and should be reported. What you need to do next time this bullying barsteward phones is to take charge. Tell him you are recording the call and that you will not discuss anything on the phone. Set the phone down and go and do something useful. Have they written to you yet. Have you sent them the great DCA silencer letter A CCA REQUEST??

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  • 2 weeks later...

They are alson in breach of the OFT guidelines on debt collection by ringing before 8 am and after 9pm. A recording of them using illegal tactics is excellent and great ammunition which must be reported to the relevant authorities. It would be nice to hear on You Tube.

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Just as the employees of DCAs use 'Publically available' information to trace alleged debtors then the alleged debtors can use the same publically avaiable information to find out as much as they want about btheir tormentors. If its good enough for them to use it then its good enough for us. After all each of us have as MUCH LEGAL POWER as a DCA in fact some of us have more power than these cretinious bullies.

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Sorry Sarah you maybe picked me up wrong. I would certainly never condone any illegal activity against anyone. All I was stating was that this information IS publically available. Of course the families of the Threat monkeys are not responsible for the activities of their partners.

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  • 4 weeks later...

They are talking bullshot. Keep a copy of their voicemail and make a formal complaint to them. Its none of their business where you go on holiday or how you paid for it. Do not get involved in any telephone discussion with these barstewards under any circumstances. They are talking absolute nonsense. They have several legal hoops to go through before they could even take you to court. They CANNOT instruct Balliffs. Baliffs are instructed by the Courts and only then would they be sent to your home if these counts were able to get a judgement against you and you did not comply with the court order. As I said earlier they have a few legal hopops to go through first

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