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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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      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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mrs THFC4EVER v Debenhams (GE Money)**WON**


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Hi,

 

After reading lots on this site, I decided to start the process of reclaiming charges on my Debenhams (GE Money) store card. Here is where I'm up to:

 

05/02/2007 We sent "Preliminary Approach For Repayment" letter

 

15/02/2007 They sent a letter which was a 100% offer with conditions

 

16/02/2007 They sent the cheque corresponding to their 100% offer with conditions letter

 

18/02/2007 We sent "Rejection of Settlement Offer (conditions attached)" letter

 

22/02/2007 We sent "Credit or Store Card - Letter Before Action" letter

 

22/02/2007 They sent amended 100% offer letter without the offending condition, and enclosed the previous cheque. (Note: this arrived after we'd sent the above letter)

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Hello THF

 

Glad I have found your thread! I am in the process of starting a claim against Debenhams (GE) on behalf of my mum.

 

Out of interest - what were the conditions? where they requesting you repay what you owe? Or that you cut up the card etc etc. I ask as my mum is rather attached to her card!!! DB is her fav store!!!

 

Have you accepted their offer??

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Hi MBK,

 

The condition that I objected to was the phrase "in full and final settlement of this matter". I've read on the CAG website that we should not accept any conditions with an offer, and I don't see why I should sign away my right to take any action in the future if things change.

 

I also objected to this same condition with Egg and they, like GE Money in this case, sent me back the same letter but with the offending words deleted! To me this proves that the phrase is not necessary, and that they were just trying to be sneaky - don't let them get away with it, just as you're not letting them get away with taking your money!

 

The balance on the card was zero, but I've banked the cheque (as it was 100% of what I claimed) and will write to accept the offer once it has cleared.

 

Hope this helps, and good luck with your claim(s) :)

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Hi THF

 

thanks for that...I will keep that in mind. Def don't want any conditions attached to any settlement offered. I am at the very early stages....wanting to read up on all that I can. There is so much info to digest!!!

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  • 3 weeks later...

05/03/2007 Their cheque has cleared so we sent "Acceptance Of Settlement Offer (only if they've attached no conditions)" letter. This is now over. We won :-)

 

The amount of this claim was (only) £15.00, and we received £15.00.

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  • 2 weeks later...
Hi,

 

After reading lots on this site, I decided to start the process of reclaiming charges on my Debenhams (GE Money) store card. Here is where I'm up to:

 

05/02/2007 We sent "Preliminary Approach For Repayment" letter

 

15/02/2007 They sent a letter which was a 100% offer with conditions

 

16/02/2007 They sent the cheque corresponding to their 100% offer with conditions letter

 

18/02/2007 We sent "Rejection of Settlement Offer (conditions

attached)" letter

 

22/02/2007 We sent "Credit or Store Card - Letter Before Action" letter

 

22/02/2007 They sent amended 100% offer letter without the offending condition, and enclosed the previous cheque. (Note: this arrived after we'd sent the above letter)

 

 

Could you please let me know the address to Ge Money, Ive send 2 letters to GE Capital Bank , 6 Agar st wc2n 4hr on the 21/3 but still havent arrived according to royal mail so I think is better to send them as you say to GE Money (I didnt know theyve change names) I am also looking for the address for TIME RETAIL FINANCE (Comet) card I have Selectapost 17 S97 3Bs

I will appreciate your information. Thanks:D

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Estela,

 

The first address that I used was:

GE Capital Bank Limited

Customer Services Department

Trent House

Torre Road

Leeds

LS99 2BD

but the replies came from a different address, so I used that in all future correspondence. That address was:

GE Money

PO Box 700

Leeds

LS99 2BD

I did a search on Google for "TIME RETAIL FINANCE" and it came up with:

Time Retail Finance

Hepworth House

Claypit Lane

Leeds

LS2 8AE

West Yorkshire

Tel: 0870 240 0884

Fax: 0870 3302032

 

Hope this helps :)

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Estela,

 

The first address that I used was:

GE Capital Bank Limited

Customer Services Department

Trent House

Torre Road

Leeds

LS99 2BD

 

but the replies came from a different address, so I used that in all future correspondence. That address was:

GE Money

PO Box 700

Leeds

LS99 2BD

 

I did a search on Google for "TIME RETAIL FINANCE" and it came up with:

Time Retail Finance

Hepworth House

Claypit Lane

Leeds

LS2 8AE

West Yorkshire

 

Tel:

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Estela,

 

I didn't understand that last post of yours! :confused:

 

Do you want to give it another go?!?

Sorry is a copy of yours!!! I dont know how this happened but thank you for your information:D :p

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  • 3 weeks later...

Didnt know until yesterday that claims can be made against cards too-so is it acceptable to make claim against HSBC as my husband and daughter both have accounts and are being charged £12 for each late payment which is only a day or so.If so,is the same preliminary letter sent-with maybe just a few modifications?Appreciate any help on this matter.

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Pattacake,

 

Yes, you certainly can claim for these.

 

Have a look at the Bank Templates Library - there is a letter template there for credit/store cards: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Also, have a look at the following step-by-step guide for an overview of the process:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Finally, start a new thread for each claim in the "HSBC Bank" forum so that you can keep us up to date and ask any questions there.

 

Good luck - know up-front that it takes time but stick to your guns and you WILL win :cool:

 

 

THFC4EVER.

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