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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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Harvest V FD


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What a mess....Advice Needed Please!

 

1. Received another offer from First Direct (Paul Adams) when the post arrived half an hour ago. It is for the full amount Before I submitted my form to the court.

 

2. It is for the same amount I had asked for before I realised last week that they had already refunded me money back in 2003.

 

3. My claim submitted to the court was for charges which before interest (contractual) is added, is less than their offer but which if I include interest is slightly more than their offer.

 

4. If I include my court fee but NOT interest their offer is a little bit above.

 

5. If I include my court fee AND Interest claimed their offer is a bit below the total.

 

All this after they had told me in a phonecall that they had withdrawn their last offer.

 

They obviously haven't received the court notice otherwise I'm sure they wouldn't have made this latest offer?

 

Oh dear...what to do.

 

I'm tempted just to accept their offer which is about right excluding the interest. It certainly covers all my charges and my court fee (and a little bit extra for my efforts).

 

Decisions, decisions...:confused:

Claim against First Direct - WON - 29th March 2007

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"LEGAL CHARGES LETTER REQ REFUND OF £XXXX.XX ON A/C xxxxxxxx REQ BREAKDOWN STATS ORDERED LTYC SENT

 

"PLEASE IGNORE ABOVE NOTE CREL TO REVIEW FEES SLA. COM REQUESTED £XXXX.XX BUT ALREADY HAD REFUND OF £XXX.XX AND £49 WAIVED ACCRUING OF £30 SO OFFERED £XXXX.XX WILL APPLY ONCE DEC RETURNED."

 

"AGREED TO HONOUR AS EXC ACC HISTORY SINCE 96 AND NO ISSUES"

 

Don't worry about the Manual Intervention stuff you have received. All it is, is notes left on your file from when you call up to FD and ask them to do something. The advisor will leave a wee note on the system just so if you phone up again the new adviser can see what has happened before (thats the plan anyway...:cool: ). It can also be used in disputes and that sort of thing as evidence so to speak.

 

We are always getting told at work not to leave nasty/funny notes about particularly annoying, shall we say, customers etc cause under the Data Protection Act a customer can ask for to see them all...which is what you now have in front of you!

 

Nothing to worry about just something sent under the Data Protection rights.

 

Cheers,

superward

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Thanks Superward

 

Do you work for FD then?

 

If so, how does it feel claiming against your own employer? Bit weird I expect. Do they take a dim view?

 

Only asked because I noticed in your signature that you've got claims against RBS and FD.

 

Thanks again:)

Claim against First Direct - WON - 29th March 2007

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boy, that was complicated!

i may be totally wrong here - but this is what i'm thinking -

send a letter saying thanks for the offer but you need to include my court fee as i've filed. i'd take it and run - mainly because - my take on contractual interest is that you need to let them know from the first letter that you are claiming for it and i sense - sort of got - that you were going to do 8% interest before they made you upset - then decided to go for contractual - and as such - i think you could maybe have a problem defending it down the line - i think you'd be happy with a resolution that was what they have now offered plus your filing fee, yes or no?

 

if you like this approach - use this letter and tweak it.

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

Unfortunately your offer has failed to include my court filing fee of £XXX and therefore I am unable to accept your offer as full and final settlement until you agree to refund this amount. The total amount I wish to be refunded is £XXXXX (here - put their offer + court filing fee)

 

As soon as I receive confirmation from you that you agree to this increased figure I will accept the new offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim of £XXX

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I look forward to receiving your revised offer

Yours Sincerely

 

that last sentence is a bit of cheeky fun a lot have used - use it (with the figures which would bring it to your full offer or put £100 or put whatever you want) or leave it out.

 

 

just double check that that wording refers to what you used in your particulars as i know nothing about cc claims - i'm just applying my experience to you situation.

 

as i seldom get onto this site - let me know on my aq thread what you decide and how you get on.

hth

 

p.s. as i haven't specifically addressed the question of the questionable charges - refund, not refund, etc. forget it!

your letter on the previous page was brill and if they didn't get it from that - i say take the offer (plus the filing fee which i think you will get) and go!

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Hi Harvest,

 

I used to work in the Personal Loans department in First Direct a couple of years ago and we sometimes had to do overflow banking calls so I got to know how the system worked. Worked for RBS and Clydesdale Bank also actually and they are all pretty similar systems wise.

 

I dont feel any different about claiming back against an old employer as its not really a personal thing. Both were pretty decent to work for - so no revenge tactics or anything!

 

Now I work for Abbey.... :rolleyes: .

 

Cheers,

superward

superward vs First Direct - WON!!!

superward vs RBS - WON!!!

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Good for you Superward - as they would say (the banks that is): "It's nothing personal...if we repossess your house or take your money, it's just business".

 

OK - I accepted their full offer today using (mainly) Lattie's letter above (thanks Lattie) with some amendments.

 

I did sign their 'declaration form' because all it said was 'I accept this sum in full and final payment' and I made clear in my letter that I reserve the right to make future claims and to carry on with this claim if the money isn't credited to my account within 7 days.

 

So that's it - I've won - pending the account being credited. Feels like a bit of an anti-climax after just over 4 or 5 weeks from start to finish.

 

Don't get me wrong - I'm not complaining or anything - I know people have waited far longer - it just feels weird.

 

So as soon as the money's in my account I'll make my donation and pop back to offer encouragement to others.

 

Thank you to everyone for their encouragement and support on this site - I think we all really do need a helping hand with this, especially when we first start off.:)

Claim against First Direct - WON - 29th March 2007

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New to all this but after reading some of your thread you have insired me to pursue my claim with FD, Today i have recieved an offer from FD for 50% of what i initially tried to cliam back and the letter also stated that they did'nt have to pay me back any of the recall charges and interest, when writting my decline of offer letter how long should i give them to respond? has anyone had a successful claim over two account of over 8K Excluding interest and has anyone been successful claiming back an amount like this and got the interest back too?:confused:

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Nice one mate!

 

By the way, you've got me hooked on all of this. The sad thing is, despite years of being in a punk band this is probably the most punk rock thing I've done!! I'm thinking of changing my name to Wolfie or Che - all I need is a beret and I'm there...

 

Power to the people!

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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:) hey, harvest - that was pretty fast!

and i had to come looking - weren't you going to tell me!!!!!!!

congratulations, well done!

hope you don't feel deflated - i think you may have gotten away with murder almost - it could have been a lot trickier!

i'm very pleased for you! an excellent result in my book - and you just sent that letter a few days ago - remarkable!

good for you.

i'm well chuffed for you!

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Thank you so much Lattie, Givememymoney, tomcody, madhouse5 and Koala Attack.

 

The money has been paid into my account by FD today!!!

 

I'm now going to make my donation, complete the survey and PM the mods to change my thread title to those magic wordsw 'Won' and put it in successful claims if that's what they do.

 

Thanks again. I think I'll start reading the threads on claiming beyond 6 years...Nat West here I come!!

Claim against First Direct - WON - 29th March 2007

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In the words of Mr Bates "good work fella"!:D

 

We'll have a drink to your, and my impending (!), victory on Saturday mate. Looks like I'm joining J for football in the afternoon (first competitive match in 3 years I think!) so I may look a bit worse for wear - we'll still celebrate though mate.

 

Nice one!

Prelim letter received by Barclays: 26/03/07

**************no reply***************

 

LBA received by Barclays: 10/04/07

**************no reply***************

 

N1 filed at court: 25/04/07

N1 received by Barclays: 04/05/07

Offer of £1,885.00: 04/05/07 (turned down)

Offer rejection received by B'clays: 08/05/07

Barclays Acknowledge Claim: 11/05/07

Barclays Defence Filed: 18/05/07

 

Directions Hearing Date Set: 06/08/07

Case Stayed Until Feb '08

 

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Thanks Tiffla - thanks for all your support.

 

KA - thanks mate. I'll see you on Saturday.

 

My brother wants me to help him with his claim (he's been using other websites and it sounds like he's been getting confused/ bad advice) - he's got four closed accounts (Personal, business etc) all with claims looking at about £4K each.

 

..onwards and upwards:)

Claim against First Direct - WON - 29th March 2007

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Well done Harvest, you must be thrilled.

 

Lets hope its that quick for all of us

 

:-D:-D:-D:-D:-D

If at first you don't succeed, dig your heels in!!!!!!!!!!:D

 

First Direct - SAR 27/2/07 ; Statements received 30/3/07; Prelim sent 31/3/07

 

Barclaycard - SAR 27/2/07; Statements to '04 received

 

Hit List - Halifax; Lloyds TSB; M&S Credit Card

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Thankyou 28bagk - much appreciated.

 

Yes, I am thrilled, especially as I was waiting for a BACS payment today (delayed because of the problems) so the refund means I haven't gone overdrawn and they can't sting me for charges (again!) :-D

Claim against First Direct - WON - 29th March 2007

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