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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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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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Credit AGREEMENT -or- APPLICATION? RBS Advantage Card


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Hi Pam - I suggested that the letter NOT be sent at this stage - it looks like a sort of knee jerk reaction? - any comments? (and I agree with all your amendments, of course!)

 

Hi LB

 

Yes, totally agree that no letter needs to be sent (if at all) until the full time limit is up. It's not our place to help them avoid the consequences of not complying! :-D

 

My concern with this site now is that little snippets of news about rights/possible courses of action are getting passed around between many threads and some people may be jumping in with all guns blazing without doing the necessary research first. :eek:

 

IMO this is potentially very dangerous and in extreme cases, misinfomation 'might' backfire with damaging consequences to a particular case.

 

If you are going to take on these dinosaurs, you need to make sure your clubs are up to the job! :-D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

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Hello all,

 

I have found this information to be extremely useful and this thread is really informative. I love this debate.:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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for those that wanted to see it ...here it is... cany you spot any glaring errors

 

oh btw I was also unemployed and it was signed at home as well

 

welcome.jpg

  • Haha 1

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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ermmm it was signed by both I erased it for sake of security

 

I really thought I was screwed until I REALLY studied it !!!

 

it seemed to have everything it should.....but !!!!

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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ermmm it was signed by both I erased it for sake of security

 

I really thought I was screwed until I REALLY studied it !!!

 

it seemed to have everything it should.....but !!!!

 

Dave

 

So sorry, i couldnt tell it was signed then erased, I didnt mean to give you a coronary, lol,

regards, rinkydinkydoo:-D

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I must admit I'm amazed welcome wrote that off so easily. Fixed sum agreements aren't my strong point (yet), but most of the key stuff is there - although presumably they should have put in something about cancellation rights. Maybe they've been really bloodied in court lately.

 

Like you dfw I'd have expected a battle. Nice result.

 

Regards

 

Lantana

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This is the letter I sent.... their reply was a VERY apologetic letter and a removal of defaults

 

Welcome Finance

 

Agreement no. 1475014

 

Dear Sirs

With regard to my alleged debt to your company, it has come to my notice that the documents sent to me after my request to view the original signed executed agreement do not seem to comply with terms laid down by the CCA 1974.

 

After being hounded and called endlessly because of missed payments due to unemployment, your representative came to my home and convinced me to sign a new agreement on the spot. This was done at my front door in the dark and NO terms and conditions were available to view. I felt pressurised and unable to refuse.

On further examination I have concluded that some of the statements on the document were also wrong.

In your agreement in the customer declarations it states that (d) you signed this agreement at our business premises. And (h) You confirm that you are in full time employment.

Neither of those statements were true as I signed at my home address and was still unemployed at the time.

 

Further the agreement does not seem to adhere to the guidelines laid out under the consumer credit act in that section 60 does not seem to have been complied with, in that:-

(a) the amount and rate of the total charge for credit (in the case of a consumer credit agreement), has not been shown

(b) the protection and remedies available to him under this Act

 

©there is no reference to the right to cancel

 

(d) the amount of loan appears to be wrong

As such It is now clear that the document does not seem to be a properly executed agreement within the meaning of the act. Therefore this agreement seems to be unenforceable.

 

As such I now require you to remove any and all defaults that you have placed against my account. If this is not done within 7 days I shall seek legal remedies and call into question your fitness to hold a consumer credit license.

I await your response

 

 

---------------------------

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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ermmm it was signed by both I erased it for sake of security

 

I really thought I was screwed until I REALLY studied it !!!

 

it seemed to have everything it should.....but !!!!

 

Dave

 

Hi

 

The agreement does have the total amount payable, interest rate, repayments, APR etc. so even if all necessary statutory statements are not present it doesn't look like one that would be totally unenforceable - only 'maybe' enforceable only with a court order, unless I've missed something obvious.

 

Out of interest, what was it that you challenged this agreement over, that prompted them to write off the debt?

 

Congrats. by the way!! :-D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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read my prior post....you must have just missed it

 

the total loan was (if you do the maths) £2737.26 which is 36.99 * 74

this was not on the document

 

the total charge for credit was not on the document

 

The right to cancel was not on the document

 

It said I signed it at their office (I signed at home)

 

it said I was employed (I was unemployed at the time)

 

They added an acceptance fee before the interest

 

plus some other stuff

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi again

 

Just read your last post and can see what you said about the amount and rate of total charge for credit. The omission of this alone makes the agreement unenforceable.

 

But, it did not need cancellation statements because cancellable agreements are only those in which the negotiations take place ON trade premises, but the customer signs OFF trade premises. Some non-cancellable agreements may be given cancellable status e.g. credit cards have, but it's not the norm. This is why the document tries to get your agreement that it was signed ON trade premises - so it would not be cancellable. Unfortunately for them they have c**cked up!. This is similar to the circumstances of my case a couple of years back.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Dave,

 

forgive my ignorance but what relevance does the fact that the acceptance fee is added before the interest (i dont understand what you mean and why)

 

Johnny

Dont Rush - Take Your Time - Dont always take me seriously

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Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

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According to the OFT guidelines a cancellable agreement is

Cancellable agreements are those where a trader discusses credit arrangements (and/or the goods to be supplied) face-to-face with the customer and the customer signs the agreement off trade premises.

 

If this description is accurate then Dave's agreement should be cancellable.

 

Whatever the reason, Dave - well done. You must feel really good about the result.

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Dave,

 

forgive my ignorance but what relevance does the fact that the acceptance fee is added before the interest (i dont understand what you mean and why)

 

Johnny

 

well if they add the acceptance fee FIRST the 6+ years of interest goes on that as well.... not a bad earner

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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According to the OFT guidelines a cancellable agreement is

 

 

If this description is accurate then Dave's agreement should be cancellable.

 

Whatever the reason, Dave - well done. You must feel really good about the result.

 

WELL PLEASED......

 

just goes to show that there are probaly loads of agreements that are invalid, if you just take the time to look. I'm not advocating getting out of your moral obligations here, but they choose to ignore they law when it suits them and use the law when it benefits them. its time we gave them some back. My original quest was to enter into negotiations to remove an added £1000+ to the debt, but YES i am pleased a the result.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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If this description is accurate then Dave's agreement should be cancellable.

 

 

Hi, yes you're quite right - I stand corrected! :D

 

So. a complete b****up all round! Nice one!

 

Calling all W F customers - check those agreements! :roll:;):eek:

 

Regards, Pam

  • Haha 1

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hello everyone,

Just subscribing....Very intresting thread...relevant info...

I am a Welcome customer as well..already in the court stage Claiming PPI and Medicare insurances back...I have exactly same argeement as Dave..but i had signed it at the branch..The one thing is that on insurance declaration thay put me as a home owner-I wasn't and i am not...anyways, Dave, i would like to know what Mr S-n replied to the letter you had sent..I do not want to Haijack this thread..but everybody is more than welcome to look at my thread Itsme VS Welcome Finance. Dave is right they did put acceptance fee before the interest......etc

There is my other claim with Creation Finance:

My question is...if the account is closed but i am currently claiming the charges back and the company produced me only with copy of the application form "as an agreement" with only my signature....???? is it anything could be done about it? how can i present it to the company?

Sorry if the question is not clear..i am just trying to use recently acquired information i have found in this thread.

 

 

Kind regards,

 

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hello everyone,

Just subscribing....Very intresting thread...relevant info...

I am a Welcome customer as well..already in the court stage Claiming PPI and Medicare insurances back...I have exactly same argeement as Dave..but i had signed it at the branch..The one thing is that on insurance declaration thay put me as a home owner-I wasn't and i am not...anyways, Dave, i would like to know what Mr S-n replied to the letter you had sent..I do not want to Haijack this thread..but everybody is more than welcome to look at my thread Itsme VS Welcome Finance. Dave is right they did put acceptance fee before the interest......etc

There is my other claim with Creation Finance:

My question is...if the account is closed but i am currently claiming the charges back and the company produced me only with copy of the application form "as an agreement" with only my signature....???? is it anything could be done about it? how can i present it to the company?

Sorry if the question is not clear..i am just trying to use recently acquired information i have found in this thread.

 

 

Kind regards,

 

 

Maria

 

Hi Maria

 

Glad I'm not the only one still not in bed!! :eek:

 

In your thread, you have said that there is a difference in the way the figures on your agreement add up.

 

Do you have access to a scanner so you could scan a copy of your agreement for me to see, either on this site or to my email address? You can use a programme called 'Photobucket' to upload the images (you'll find this by searching on the web).

 

Otherwise, could you post up in your thread all the different amounts exactly in the order they are shown on your agreement and what they relate to?

 

I would be interested to see the whole agreement really as serious errors 'could/may' have been made in it.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hello Pam..waiting for the new printer-scanner..as mine has "died" a week ago...I can send you a copies from my camera......:)))))))))))Hopefully new printer will arrive monday-tuesday:)))

Ok...not sure about dave's agreement but mine has a T&C on the back...i believe it looks like legal and forceble...BUT...

With the agreement i have received a "Customer Declaration Form" and 2 Policy Schedules for the Payment Protection Insurances and Medicare 24- was missold as part and parcel of the loan...

 

Now..as Dave said they charged an interest on the acceptance fee...On the agreement there is no final amount of the payment..well there isn't the Total Amount (with the Interest,Insurances).. that had to be paid by the end of the agreement...It does give you the loan amount+ APR and monthly APR+ amount of months+ Insurances...But you wouldn't see the total to be paid at the end of the agreement...at all....

Next..In the "Declaration"(in black and white that i want to take those insurances) it says that the loan is secured.......I didn't have house that time...but as i didn't have a time to read..i had signed...a secured loan agreement.....:)

Next..when i asked them to cancel PPI and Medicare..they refused and sent me a copy of Policy Schedule with Different cancellation section...different to the one i received with the agreement...(that allows me to cancel Medicare only in 30 days)....Mine hasdifferent wording- cancellation on the request and refund

When i point it to them..they apologised, confirmed loan wasn't secured, cancelled Medicare and PPI... refunded £22.44(from £1146.36+ interest paid) anything...so now i am in court ...well nearly there:)) I have 2 month left with them...But i want all those money back

 

Phew:))))))))))Very hard...to explain my whole 3 month battle in single post...

 

Pam, i am more than happy to send you all the copies or to anybody else...

 

Any help with supporting my claim would be highly appreciated...:))

 

xxxx

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hi

 

I understand that there are several issues with this agreement but the one that is likely to have the most impact is the way in which the terms of the agreement are shown - particularly the total amount payable not being present and the interest added after acceptance fee.

 

These 2 elements could be very serious indeed, but I would really need to see the documents for myself before I could give an honest opinion.

 

Post them up as soon as you can but don't forget to blank out all your personal details from them. (Or PM me when you're ready and I'll send you my email address)

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Thanks Pam, will wait till the printer arrives...but really i can't wait:))) as i have only 2 payments left and 2 weeks for WF to submit there defence..I am glad i have found you guys here...Better late than never:))))Will PM you when i am ready with proper scanned documents:)))

 

Regards,

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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