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    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
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srfrench

French v. Abbey (3) - Into the breach once more my friends!

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Excellent CARO.....always looking out for the others, that's why you're so popular :D

 

I do remeber receiving a Court Order when they were stayed, since then I've mislaid it.

 

However, looking back through my thread I see it says that the stay willbe in place until (Ithink) early 2008 regardless following the cessation of the High Court Test Case.

 

We all know the history of the Test Case now and was lead to believe that the stay remained until the FINAL Judgement in the Test CAse though I can't remeber receiving anything else.

 

That's why I phoned the Court to find out the status of my stayed claim.

 

My other claim was struck out in my local Court but I got that re-instated stating that the Test Case was still in progress. Success :D This is only at the stage that needs a defence filing from the Banks.

 

This claim as you know has gone past the AQ and Pre-Trial Hearing stage and was just awaiting final instaructions for exchange of docs and a Court Date. I think in all honesty, we may see no further AQ's but a Witness Satement and Document exchange and Court Dates.


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Thanks for the compliment.

 

It's interesting that Leeds seem to have done this quite quickly, and apparently without prompting. This does seem to me to be some kind of pre-trial or case management hearing. I could be wrong (I often am :rolleyes:) but no doubt you'll receive something in writing confirming what it's about. I still think it's very positive and shows the judicial system are still taking the matter seriously.


 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think you may be right about this CARO.

 

Either way as soon as I hear or receive anything from the Court or Abbey, I'll post it up in full it's full technicolour horror ;)

 

Elsewhere in the forums it seems Lloyds are being asked to negotiate a settlement with Claimants and vice versa by the Courts. If no success by late Feb then they are being listed as to either be struck out or for the parties to apply to unstay the claim.


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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I think you may be right about this CARO.

 

Either way as soon as I hear or receive anything from the Court or Abbey, I'll post it up in full it's full technicolour horror ;)

 

Elsewhere in the forums it seems Lloyds are being asked to negotiate a settlement with Claimants and vice versa by the Courts. If no success by late Feb then they are being listed as to either be struck out or for the parties to apply to unstay the claim.

 

New stays to negotiate a settlement in light of the test case I guess.

 

Interesting times.:|


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Nothing in writing yet I assume?


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Nothing yet CARO but then again it's been Xmas and New Year so damn sure nothing has been coming out of the admin side ofthe Courts.

 

I think I'll be writing the Abbey to request their agreement to amend my POC's this coming week giving them a week or two to reply then writing to the Court to either extend my stay or unstay my claim.

 

Should give me a little breathing space in that period for anything to happen methinks?


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Well...that was an interesting meeting with my Solicitor.

 

Firstly, yes he agrees you can submit as "Adiitional Information" to support your claim. HOWEVER, he agrees also, and for safety's sake that the way forward would be to amend your POC's.

 

Glad that issue was discussed and now resolved!! :wink:

 

My Solicitor also has suggested that I give him (so he can forward onto a friend who is a QC) copies of my claim correspondence et al so that he can look it over and with the additional info (laws etc) advice me to see if it's worthwhile pursuing and in the alternate take it on on a no-win, no-fee basis. Meeting is set for Thurs afternoon, so am getting all my current docs sorted and including seperately all the additional arguments and statements in the light of post-SCoJ judgement ready to give to him to not only get his opnion but also to frame a new POC and argument using what new info we have been given so as:

 

UTCCR Reg 5(1)

CCA

Competion Act

Misrepresentation

Undue Influence (Common Law)

Penalties (Common Law)

 

It's also interesting to note that I have already sent a CPR Part 18 request asking them to disclose their T&C;s from 1996-2001 with no response and it was sent Special Delivery as well.

 

I already had a copy (ish) of their T&C's from 2001-2004 and it quite clearly states that if I BREACH these conditions of your overdraft....

 

Quite numerous mentions of BREACHING T&C's in it........

 

If anyone wants it posting up I'll hand type.....


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Does anyone have a copy of Abbey's T & C's from 1996, 1997, 1998, 1999, 2000 and/or 2001?

 

If so can you let me know please.

 

Many thanks :D


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Would appreciate a posting of any T&Cs...Thanks!

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Hi loveluck. Do you have a similar case to Frenchie? Perhaps you could start a thread and tell us what you're doing and what you need.

 

Will check the situation regarding T&Cs for the years stated.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hmmm we have a 1800 overdraft and both lost our jobs.Abbey are adding interest everyday and as of today it is nearly 2200 and is going up every month.We have explained we have no cash but of course they dont wanna know.Can I send them the above letter and if so I can only ask for the 400 back as the 1800 was what we agreed?? Also how do I stop them adding again if they do pay us back the charges thanks x

 

Infact just looked at leter and it says overdraft limit 0 so I take it they want everything back which totals £2,154.76 and its a defaut notice

Edited by discod

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aahhhhhhhhhhhhhhhhhhh!!! the calm before the storm!! :cool:


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Ooooooooo ooooooo shock of shocks......

 

Just received a letter from the Leeds Merc Courts today and in it it says....

 

That the claim be transferred from the Leeds Merc Courts back to the Leeds County Courts.

 

That's it.....no mention of stays or whether it's in the High Court or Small Claims...or anything else.

 

I'll think I'll write to the Court to ask if the case can be re-transferred back to my local Court or at the very least back to the Harrogate Courts (the original local Court)

 

I was expecting a further CMC.....or maybe that's next?


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Ooooooooo ooooooo shock of shocks......

 

Just received a letter from the Leeds Merc Courts today and in it it says....

 

That the claim be transferred from the Leeds Merc Courts back to the Leeds County Courts.

 

That's it.....no mention of stays or whether it's in the High Court or Small Claims...or anything else.

 

I'll think I'll write to the Court to ask if the case can be re-transferred back to my local Court or at the very least back to the Harrogate Courts (the original local Court)

 

I was expecting a further CMC.....or maybe that's next?

 

What are they messing about at? First it's a date in January, then February and now this. Why don't they want to rule on it?


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I really wish I knew Caro......

 

However, the upside is that I have a little more time and the Leeds Courts will have to issue directions regardless so I might still get a notice of a further CMC.....we'll just have to wait.

 

On the plus-side they haven't entertained a reply by a date or a strike-out will be done letter?

 

Stay tuned to the next thrilling episode of "The Frenchy Connection".....if only I could join the dots to where these transferences will lead? :D


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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** APPEAL**APPEAL**APPEAL**

 

Guys, has anyone got a copy of any letter Abbey has sent to you in response to an unpaid DD or STO please?


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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** APPEAL**APPEAL**APPEAL**

 

Guys, has anyone got a copy of any letter Abbey has sent to you in response to an unpaid DD or STO please?

 

 

probabaly, but it'll be at least 5 years old if that's any good


All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Hi Charley.......yes even older if you have one?

 

If you can blank out your details and PM me with it I will be grateful. :D


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Well.....some bl**dy damning evidence has now been found and my new amended POC has been drafted in readiness.

 

It's a corker and this time......it's personal! :D

 

Still nothing from the Leeds Courts following the transfer of the case from the Mercantile.

 

Might chase it next month sometime? :cool:


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Look forward to reading more Frenchy.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Letter from the Court last week ststing that the Judge is now reviewing the case and will be issuing directions.

 

God's strewth......might as well join them for drinkies in the Boys Bar :grin:


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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Justice and the Courts: The Magna Carta set up permanent courts for different kinds of cases, and forced royal officials who accused someone of a crime to produce witnesses to prove their case. It protected free men from fines that would ruin them or that were out of proportion to their crime, and protected nobles from being fined except by the rest of the nobility. On the other hand, the Magna Carta also established that priests could be fined under the same rules as lay people.

One of the most significant and lasting clauses in the Magna Carta is Clause 39, which protects free men from being arrested or punished in any way unless the punishment has been agreed by a jury of their equals or decreed by law. This is called the right of habeas corpus. John also had to promise that, “To no one will we sell, to no one deny or delay right or justice.”

 

:rolleyes:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm verily impressed oh learned one 8)

 

It's embarrasing to admit that whilst I know my history the substance I lack.

 

I bow most humbly to your pro-offered knowledge and say that is a ruddy good price to quote.


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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I'm verily impressed oh learned one 8)

 

It's embarrasing to admit that whilst I know my history the substance I lack.

 

I bow most humbly to your pro-offered knowledge and say that is a ruddy good price to quote.

 

:lol::lol:

 

Nice of you to say so but I happened to catch summat on t'wireless t'other day about magna carta and not delaying justice.

 

There's progress for you.:roll:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Incredible isn't it:

 

Just received a letter from Abbey/Santander yesterday stating that they are looking at my complaint and it will take them * weeks to complete it.

 

My Court claim was at the hearing date stage before it was stayed 3 years ago.

 

If this is the incompetance shown then I think we're all in for an easy ride!!! ;)


srfrench :eek:

 

Fight incompetance, stupidity, greed and unfairness......There's no excuse and no place for it in society, unless they really are! :wink:

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